Online Fraud, E-Crime, and Internet Scams Essay examples -- Computers

Online Fraud, E-Crime, and Internet Scams In the mid-1980’s, PC related wrongdoings showed up in the United States. PC related violations have now produced into Internet wrongdoings, and have raised issues with respect to Internet security. Basically, the Internet has become a play area for criminal naughtiness. Essentially, 21st-century innovation and Internet availability are giving fields to crooks to utilize antiquated procedures to exploit shoppers. As of late, Internet crime percentages have soar. The FTC detailed that over the most recent two years, Internet-related-shopping protests have ascended from being 10% of all customer grievances to 30% of purchaser objections. A year ago, 75% of online vendors were worried about online extortion and e-wrongdoing. This year, over 83% of online shippers are dreadful that online misrepresentation and e-wrongdoing could influence them. It is anticipated that this year alone, online Visa extortion will increment by 24%. Survivors of Online Fraud and E-Crime Lose Big Obviously, vendors are careful about online plans and tricks since when they are the victims†¦they continue gigantic misfortunes. Web exchanges made with a Mastercard are regarded as â€Å"card-not-present† exchanges. In this way, dealers have no review against charge card extortion. Basically, shippers are answerable for the money related harms of online extortion in light of the fact that lone charge card numbers are required for an online exchange and a cardholder’s mark isn't required. Additionally, Mastercard organizations require the shipper to pay $25 to $100 in control back expenses. In spite of the fact that the financial expenses to traders are considerable, most shippers state cash isn't their essential concern. Traders are progressively dreadful that whe... ...peech and security concerns. Toward the beginning of November, the British government declared it would burn through $35.79 million on a bundle to assist neighborhood with policing battle wafers and pedophiles who utilize the Internet. Pretty much every created country with Internet get to has as of late embraced steps to battle e-wrongdoing. End It appears as though overall endeavors are being centered around lessening cybercrime. Notwithstanding, there is actually no really powerful legal standard for rebuffing e-lawbreakers. The Computer Fraud and Abuse Act permits crooks to sneak past its provisos, and European countries have quite recently as of late drafted enactment prohibiting on the web criminal conduct. For now, the most evident approach to abstain from succumbing to an e-criminal is to turn into an informed shopper and dodge Internet exercises that are known to be powerless to underhandedness and misrepresentation.

Bibliographical Study of Giovanni Boccaccio Essay

Bibliographical Study of Giovanni Boccaccio - Essay Example Giovanni Boccaccio spent his childhood in the slopes about Settignago in the forested areas over the Mensola and the valley of the Affrico. There is little data accessible with respect to his initial years. As indicated by the compositions of Giovanni , he had the option to peruse and compose at seven years old, further with Giovanni di Domenico Mazzuoli da Strada he started the investigation of punctuation. (Hutton, E. 12) After that Giovanni was set to consider Mathematics and the more he thought about bookkeeping and accounting, the more he abhorred it. As yet wanting to see the child prosperous in an old style way, Giovanni’s father sent him Naples to turn into a shipper. Giovanni composes later, that â€Å"If my dad had managed me I may have been among the incredible poets.† (Hutton, E. 19) Either along these lines or different, Giovanni wound up considering law, which, as it appears, he appreciated not any more at that point banking. The concentrating of the law p ermitted him to set up great contact with understudies. Humanists Barbato da Sulmona and Giovanni Barrili, and the scholar Dionigi da San Sepolcro ought to be stressed with regards to talking about the early impacts of Boccaccio. Giovanni figured out how to endure his stepmother until the occasion, when she brought forth his stepbrother †Francesco. The impressions of Giovanni back on his youth appear to be loaded up with distress and distress. (Hutton, E. 15-20). Boccaccio saw Maria d'Acquino, a wedded lady and normal girl of King Robert, in 1334 just because. The lady was the motivation of his initial works, when coming into his life, she never left him. The brilliant hair, sparkling eyes, and the milk-white skin, her affection was the best prize of his childhood. (Hutton, E. 30) Even however the way that Boccaccio discovered his motivation in a lady can barely be questioned, still there is no documental evidence that Maria at any point existed and was not a result of wild cre ative mind of perhaps the best essayist that had ever existed. The motivation behind why specific thought ought to be given to the early long stretches of Boccaccio and his first sentimental love is that these occasions pre-decided his further life. Maria acquainted Boccaccio with court and combined him to compose. 2. Petrarch: Lifelong Friend and Teacher In the wake of being gotten back to by father to Florence in 1341, Boccaccio met his deep rooted companion and ace Petrarch. Without a doubt, since the time the second in 1350, when Boccaccio met Petrarch, he was under his impact. This brought about a

Scarlet Letter Reflection Essays - English-language Films

Red Letter Reflection Nathaniel Hawthorne has an adequate explanation behind over and over creation reference to reflects all through his refined novel, The Scarlet Letter. The utilization of mirrors in the story fill a valuable need of giving the peruser a window to the character's spirit. The fact of the matter is constantly depicted in the creator's mirrors; along these lines, his contemplative gadgets will persistently call attention to the defects to whom looks in it. Hester's A has now become the most recognizable piece of not just her physical highlights, yet her otherworldly being. The impression of Pearl Prynne reveals her hard shell and draws out the forlornness, the guiltless wildness, and the wild magnificence inside her. Reverend Dimesdale's picture as it were transmits the dull, bleak truth of his polluting influences. The mirror Nathaniel Hawthorne puts before his characters, along these lines, centers around the domains that every onlooker endeavors to escape their general surroundings. In part two while Hester is remaining on the platform, she attempts to run from reality by thinking back of her childhood. At that point, she saw her own face, shining with juvenile magnificence, and lighting up all the inside of the dim mirror where she had been wont to look at it. Sadly, the mirror will never again give Hester that faultless reflection. Rather, the picture will consistently take after that of the breastplate at the representative's house in section seven, attributable to the curious impact of this curved mirror, the red letter was spoken to in misrepresented and colossal extents, in order to be extraordinarily the most noticeable highlight to her appearance. Ironically, the two images of her transgression and enduring, the red letter and Pearl, are presently the most noteworthy components of her life. Hester is no longer taken a gander at as a lady in the public eye, and in the reflect, she appeared to be totally taken cover behind it (the red letter). As for her kid, that look of devious cheerfulness was in like manner reflected in the reflect, with so much broadness and power of impact, that it made Hester Prynne feel as though it couldn't be the picture of her own youngster, however of a demon who was trying to form itself into Pearl's shape. Pearl's naughty looks are amplified in the reflecting surface to remind Hester that her youngster is in truth a some portion of the discipline of her transgression. When this shocking, elvish cast came into the kid's eyes while Hester was seeing her own picture in them. . . . she liked that she observed, not her own little representation, yet another face, in the little dark reflection of Pearl's eye. It was a face, fiendlike, loaded with grinning perniciousness, yet bearing the likeness of highlights that she had known full all things considered, through sometimes with a grin, and never with perniciousness in them. This is another marker in part six that Pearl's quality does in reality frequent Hester. It additionally talks reality that Roger Chillingworth isn't a similar man he used to be, and Hester will keep on being spooky by him moreover. Nathaniel Hawthorne's utilization of mirrors has a urgent impact in depicting the concealed side of Pearl Prynne. In spite of the fact that Pearl has a notoriety to be of black magic and gives the peruser an impression of being an imp, the youngster has a very delicate and charming soul that meanders on the opposite side of the reflecting surface. In section fourteen by the sea, Pearl arrived at a full stop, and peeped inquisitively into a pool, left by the resigning tide as a mirror for Pearl to see her face in. Forward peeped at her, out of the pool, with dim shimmering twists around her head and a mythical being grin in her eyes, the picture of a little house cleaner, whom Pearl, having no other companion, welcome to grasp her hand and run a race with her. The reflecting pool depicts Pearl as a guiltless and delightful kid who is forlorn. That is truly justifiable, for Pearl isn't care for the other kids; her lone two companions are nature and her mom, Hester. In part fifteen, Pearl played whimsically with her own picture in a pool of water, coaxing the apparition forward, and- - as it declined adventure - looking for a section for herself into its circle of indistinct earth and unreachable sky. Before long finding in any case, that it is possible that she or the picture was stunning, she turned somewhere else for better interest. Pearl's appearance is genuine, and section sixteen easily proceeds with this idea through another waterway - the creek in the woodland. Pearl took after the stream, because a mind-blowing current spouted from.

How does Shakespeare present the first meeting between Romeo and Juliet Essay Example For Students

How does Shakespeare present the main gathering among Romeo and Juliet Essay The story Romeo and Juliet was composed generally between 1594-1595 by William Shakespeare, In Shakespeares time England was an all-Christian nation. All youngsters were brought into the world submersed into the Church of England. In those days the congregation was exceptionally exacting, in the event that somebody missed church without a decent reason they were rebuffed with a fine. Just young men had the option to go to schools, they began at four years old at insignificant school, here they adapted primarily how to peruse and compose. At seven years old if the young men father had the option to manage the cost of it, the kid had the option to language structure school, here they adapted mostly how to peruse and compose Latin. In people groups free occasions the most mainstream wellspring of diversion was to go to see a play, these were played in bars, corridors or yards, yet in 1599 Shakespeares Globe theater was fabricated. Theater was for everybody from infants to grown-up or fr om poor to rich, everyone was welcome. Most plays in the sixteenth Century were either; love, disaster, satire or riddle. Shakespeare likewise just has the primary characters talk in rhyming couplets, not the hirelings who are in the play to show the diverse social classes there were and just to present how well the ball is needed to go, and the exertion put in to make it a triumph.

Why E Cigarettes Are Healthier Than Traditional Cigarettes - 275 Words

Why E Cigarettes Are Healthier Than Traditional Cigarettes (Research Paper Sample) Content: Why E cigarettes are healthier than traditional cigarettesNameInstitutional AffiliationInnovation has brought about the revolution that has not left behind personal leisure. Smoking has been one of the recreational activities that some people find a lot of interest in this act. The technological transformation has moved the action a notch higher by introducing the e-cigarettes to replace the traditional cigarettes. With the introduction of E-cigarettes, there has been a debate whether the e-cigarettes are healthier than the traditional cigarettes. Surely it should be common knowledge that e-cigarettes are healthier than the traditional cigarettes.E-cigarettes from research carried out, show that they have reduced instances of cancer deaths. Research has shown that the traditional cigarettes increase incidence of lips, throats and lung cancer. It was because of this very reason that the e-cigarettes were invented to help the smokers. Further research revealed that ann ually about 1.5 million smokers die worldwide. The mortality rates of smokes if tallied, it was realized that in a group of ten smokers only three who smoke e-cigarettes would die (Primack et al. 2015). It is this very reason that makes it healthier than the traditional cigarettes.Traditional cigarettes are hazardous not only to the smokes but also to the environment. It releases a lot of smoke that pollutes the environment. Besides, the smoke polluting the environment, it also has a detrimental effect on the people around the smoker. E-cigarettes on the contrary never use matchsticks or emit smoke. It uses batteries which makes it environmentally friendly (Callahan-Lyon, 2014). Besides, it is not prone to causing accidents that often cause fire out breakages when carelessly disposed of by the smokers.E-cigarettes offer smokers a wide range of offers at low costs. It cost only $ 20 to $ 40 a month to smoke and maintain E-cigarettes compared to the costs that are spent on a daily ba sis on traditional cigarettes. Research has it that despite the fact that e-cigarettes have no restriction of smoking zones which gives the smokers the liberty to smoke anywhere and anytime, it reduces instances of addictions, unlike the traditional cigarettes that though its nicotine causes addiction to the smokers.Smokers would wish to be discreet concerning their vaping act. E-cigs offers them that chance since it does not produce smokes that would stick on their shirts, ties or caps. Instead, the smoke released by traditional cigars ...

A formative analysis of securities within the financial market - Free Essay Example

Unexpected changes in money supply can be due to tax actions, changes in interest rates, changes in discount rates among other factors. Stock returns are generally positive or negative. In this essay, the motive is to find whether the statement, unexpected changes in money supply and stock returns are inversely related, holds ground or is not valid. To begin with, we will first look at the money supply process in brief and see which factors affect stock return. Post this we will confirm the empirical validity of this statement with the help of evidence available in the literature. The Money Supply Process Bodie, Kane, Marcus and Mohanty (2009, p.592) explain that the Government can manipulate the money supply through the use of fiscal and monetary policies. Fiscal policy refers to government spending and tax actions and is considered the most direct way to stimulate or slow the economy. Federal Reserve System (FED) determines the monetary policy which generally functions through its impact on interest rates. Short term interest rates decrease due to increase in money supply, ultimately encouraging investment and consumption demand. Over long periods, however, most economists believe a higher money supply leads to higher price levels. An example of monetary policy functioning through open market operations can be illustrated as below: *Note: Unlike us, the FED can pay for security without drawing down funds at a bank account From Bodie, Kane, Marcus and Mohanty (2009), we can narrow down the following factors related to money supply affect stock return: Inflation Interest rate (discount rate) Monetary growth Empirical Evidence Whether unexpected changes in money supply are positively or negatively related to stock returns seems to be a topic debated by many researchers. At one end where many international researchers have found a significant negative relationship (Bodie, 1976; Jaffe and Mandelker, 1976; Fama and Schwert, 1977; Amihud, 1996; Hu and Willett, 2000; Hagmann and Lenz, 2004), on the other hand a positive relationship is proved by quite a few researchers (Fama, 1981; Geske and Roll, 1983; Kaul, 1987; Zhao, 1999; Luintel and Paudyal, 2006). Effect of Discount Rate/ Interest rate on Stock return Chen et al. (1999) found that equity returns generally respond negatively and significantly to the unexpected announcements of discount rates. They reason this out by stating: A discount rate increase, ceteris paribus, decreases the expected future equity cash flows because firms must borrow at a higher cost. At the same time, the increase also raises the risk-free rate which, in turn, increases the required rate equity investors use to discount the future cash flows. As a result, an unexpected increase in market interest rates depresses equity prices, and, therefore, one would expect an unexpected change in the Federal Reserve discount rate to cause changes in equity prices. However, there have been contrasting views relating to the pre-1979 period. Research carried out by Smirlock and Yawitz (1985 cited in Thorbecke and Alami, 1994, p.14) have found that changes in the discount rate had no effect on the NYSE index over the pre-1979 period. Pearce and Roley (1985 cited in Thorbecke and Alami, 1994, p.14) did find that innovations in the weekly money supply announcements lowered stock prices during this period. A further research by Thorbecke and Alami (1994), over the September 1974 to September 1979 period, concludes that the Fed raising (lowering) the federal funds rate target caused stock prices to decline (increase) immediately. Effect of Inflation on stock re turn The rate at which general levels of prices rise is called inflation (Bodie, Kane, Marcus and Mohanty, 2009) According to the efficient market hypothesis, stock prices are a sign of all available public information; therefore, only the unexpected inflation rate, which contains new information, will influence stock returns at the time when the announcement is released (Joyce and Read, 2002). Consistent with the efficient market hypothesis, L. Li et al. (2010) found that the expected inflation rate has very little impact on stock returns while the unexpected inflation rate has a statistically significant and negative effect on stock returns. Amihud (1996) states The evidence that stock prices are affected by unexpected inflation seemed puzzling given that stocks are claims on income generated by real assets. But unexpected inflation indicates an economic shock, hence its effect depends on its source. Aggregate demand shocks should create positive correlation between th e resulting unexpected inflation and stock prices, whereas aggregate supply shocks should create negative correlation. The research on Israel concluded that inflation has a significant negative effect on stock prices. The effect of inflation on stock returns, in terms of time horizons is cited by Luintel and Paudyal (2006) in their research. They state, event studies, which look at the effects of inflation announcements on stock returns, report a negative relation between inflation and stock returns (e.g., Amihud 1996). Short-horizon studies that use monthly data covering what is typically 10 to 15 years also report either a negative or an insignificant relation between stock returns and inflation (e.g., Jaffe and Mandelker 1976). In contrast, long-horizon studies (e.g., Boudoukh, Richardson, and Whitelaw 1994) and studies that test for cointegration between stock and commodity price indexes (e.g., Ely and Robinson 1997) find a positive and significant relation between stock retu rns and inflation. Effect of monetary growth on stock returns Paudyal (1990) points out that money growth and stock returns are inversely related. Pearce and Roley (1983) shed more light on this topic. They infer that first, stock prices respond only to the unanticipated change in the money supply as predicted by the efficient markets hypothesis. Second, an unanticipated increase in the announced money supply depresses stock prices while an unanticipated decrease elevates stock prices. Third, the stock price response does not depend on the relationship of the money supply to the long-run ranges of the Federal Reserve. Using weekly data 1977-1982, they estimated the following model, ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Pt= a + b (ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Mat ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Met) + ÃÆ' Ãƒâ€šÃ‚ µt Where ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Pt is the percentage change in the stock price, ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Mat is the announced change in the money stock, and ÃÆ' ¢Ãƒâ€¹Ã¢â‚¬  Ãƒ ¢Ã¢â€š ¬Ã‚  Met is the expected change in the money stock. They estimated the model for three sub-periods and obtained a negative estimate of b parameter in each sub-period. Conclusion As stated earlier, unexpected changes in money supply can be due to tax actions, changes in interest rates, changes in discount rates among other factors. Stock returns are generally positive or negative. In this essay, I initially explained the money supply process. Next, we studied some empirical evidence to check if unexpected changes in money supply had an inverse effect on stock return or not. Although few results did state the otherwise, most results showed that factors which affect money supply did have an inverse effect on stock returns. In conclusion we can further look at a few more precise points made in certain research papers. Chen et al. (1999) find that few equity returns respond negatively and significantly to the unexpect ed announcements of discount rate changes, while the expected changes generally have no bearing on the equity returns. On average, stock returns change by 0.5% for every 10 basis point change in the discount rate. Equity returns measured by the Dow Jones industrial index respond rather rapidly to the unexpected announcement of discount rate changes. Within the trading period/hour after the information is released, the market impounds the information. Hardouvelis (1987) has discussed, a higher real interest rate would reduce stock prices because firstly it would curtail real activity and hence earnings and secondly it would increase the discount rate at which those earnings were discounted. L. Li et al. (2010) determine that 1 day returns of the FTA fall by 0.17% in response to an increase in the unexpected inflation rate of 1% on the announcement day. Therefore, an unexpected increase in the inflation rate is considered bad news for the stock market since this leads to a reduc tion in stock prices. Thus through the empirical evidence we have assessed, we can infer that the statement unexpected changes in money supply and stock returns are inversely related, holds ground to a respectable extent.

Personal Statement On Motivation Management - 995 Words

In recent years, job satisfaction is a prevalent issue around the world. There are diverse methods to be successful in career, such as intrinsic and external motivation. Definition and conceptualisation of internal motivation is achieving the goals and aims personally and within favourable, and self-confirmation. However, it is within anticipation that some of the employees are indulged in external motivation of money and emphasises rewards. It can be argued that monetary rewards may lead to motivated and capable degradation. Therefore, it need to manage internal motivation to create job satisfaction. This essay will argue that internal motivation management could obtain satisfaction from a career. First, it may need to realise the job purpose and personal ideology in order to create the first satisfaction. Next, this is necessary to understand the workplace and the environment of a company owing to participate in society. Finally, to develop the last step of satisfaction is introspe ction and improve the weakness. Firstly, in order to create the basic job satisfaction it may need to be aware of oneself correctly, the aims of working, and mange internal motivation. In accomplishing the aims, identify which basic psychological needs is correspond with the first goal of career. Basically, it is within anticipation that there are a great deal of employees probably decide monetary rewards is the aim of jobs. However, Crabb (cited in Owler 2012, p. 66) suggest that, theShow MoreRelatedEssay On Health Care Development1509 Words   |  7 Pagesfirst section of this paper discusses the description of the proposed unit including a mission statement, prioritized values, and an organizational chart depicting how all employees from the unit are connected. This is followed by a description of my preferred leadership style and managerial role, empowerment strategies, conflict resolution, and important interventions. 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The shift moved management from a production orientation (classical leadership theory) to a leadership style focused on the workers human need for work- related satisfaction and good working conditions before theorists started writing about employee satisfaction and good working conditions, management consideredRead MoreThe Lack Of Leadership Management1318 Words   |  6 PagesThe Lack of Leadership The management problem is about a Chief Executive Officer (CEO) of Precision Imaging Centers (PIC), which affects the corporate guidance, display ineffective communication skills, lack of employee motivation, presents questionable actions of moral leadership, and inspire the need for corporate change. First of all, the CEO does not present a mission for the PICs corporation and no vision can be formed; therefore, lacks corporate direction and lacks supportive communication

How to Take Notes in Law School

No matter how much material you think you can retain just by memory, note taking will be one of the most important skills to develop and perfect as you make your way through law school. Good notes will help you keep up during class discussions and will also become crucial when its time to outline and study for final exams. How to Take Notes in Law School: 5 Dos DO choose a method of note taking and stick with it. There are now lots of options for law school note taking from software programs to the good old paper and pen method. Try some out early on in the semester, but decide quickly which one suits your learning style best and then keep going with it. The link section below has some reviews of note taking software if you need a starting point.DO consider preparing your own notes before class. Whether you do the classic case brief or something more free-flowing and whether youre using computer software or handwritten notes, use a different color or entirely different pages to separate class notes from your personal notes. As the semester wears on, you should see the two increasingly converging; if not, youre probably not picking up important concepts and what your professors want  you to focus on, so get thee to office hours!DO write down important concepts, rules of law, and lines of reasoning. These things may be difficult to pinpoint at first, but youll get better at this as your law school years go on.DO take note of recurring themes in your professors lectures. Does he bring public policy into every discussion? Does he painstakingly parse words of statutes? When you find these themes, pay special attention and take particularly copious notes as to how the professors reasoning is flowing; this way you know what questions to prepare for both for lectures and exams.DO review your notes after class to make sure you understand what youve recorded. If something is unclear either conceptually or factually, now is the time to clear it up either with your classmates in a study group or with the professor. Dont Do This When Taking Law School Notes DONT write down everything the professor says verbatim. This holds especially true if youre using a laptop. It can be tempting to transcribe lectures if you have the typing ability, but youll be losing valuable time in which you should be engaging with the material and group discussion. This, after all, is where learning takes place in law school, not simply from memorizing and regurgitating rules and laws. DONT write down what your fellow law students say. Yes, theyre smart and some may even be right, but unless your professor puts her explicit seal of approval on a students contribution to the discussion, its most likely not worth a spot in your notes. You will not be tested on your fellow law students opinions, so theres no sense in recording them for posterity.DONT waste time writing down facts of the case. All the facts you need to discuss a case will be in your casebook. If particular facts are important, highlight, underline, or circle them in your textbook with a note in the margins to remind you why theyre important.DONT be afraid to go back through several days of notes at the same time to try to make connections and fill in gaps. This review process will help you at the time with class discussions and later when youre outlining and studying for exams.DONT forego taking notes because you can get the notes of a classmate. Everyone processes information differently, so you are always going to be the best person to record notes for your future study sessions. Its great to compare notes, but your own notes should always be your primary source for studying. This is why commercial outlines and those prepared by previous law students arent always the most helpful either. Throughout the semester, your professor gives you a map of what the exam will be like throughout the course; it is your job to record it and study it.

Marketing Analysis Health Marketing Communications Essay

In summary, Thai people are becoming more concerns about health including their body weight, which causes the high number of sales growth of alternative healthy foods and supplements in the country. While weight management supplements, has been forecasted to dominate 40% of consumer health products in the year 2020, bringing more opportunities for brands to penetrate into this market segment. However, brands have to carefully consider the credibility of marketing tools when approaching health-conscious consumers since they have been growing up among information rich society. At the same time, they are familiar with traditional marketing and sales tactics. Therefore, they tend to have an open mind to initiative marketing and authentic contents rather than direct advertising. Also, it has been noted that visual contents distributed through online platforms, in particular, social media have priority over their media consumption behaviour. In this regards, a better understanding on the c haracteristic of Gen Y and their communication preference had guided the researcher more appropriately select content marketing representatives for conducting the primary research. 2.3. Health marketing communications This section has been divided into two dimensions, the former focuses on the strategies that were widely used to support the effective communication within the healthcare industry, but in a different way; Social Marketing and Content Marketing. However,Show MoreRelatedPet Health Insurance For Pet Owners1704 Words   |  7 PagesDuring week four, while doing an analysis on potential or existing competition we found pet health insurance has an increase in the United States where pet owners are starting to purchase health insurance for their dogs and cats. Even though pet insurance has increased in the United States, it still doesn’t compare to the pet insurance that pet owners have for their pets in Europe. 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Fairy Tales By The Brother s Grimm, Rapunzel And Cinderella

Throughout history, fairy tales have been told with the intent of teaching a lesson. These stories have been altered numerous times, varying with a changing society. Classic fairy tales by the Brother’s Grimm, Rapunzel and Cinderella, were published in the mid 1800s. Many years later Disney released its own versions of these Grimm fairy tales called Tangled, a modern take on Rapunzel, and Cinderella published in 2010 and 1950 respectfully. Both fairy tales compare and contrast with the more modern versions. The most potent similarities and differences are seen through the characters, plot, and lesson to be learned. Beginning with the analysis of Rapunzel and Tangled, both tales have Rapunzel and Mother Gothel, however other key characters†¦show more content†¦On the other hand the fairy tale story and movie of Cinderella have many identical characters, both having a Cinderella, a Prince, an evil stepmother and two evil step sisters. 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Experience Homelessness Alcohol Disorders -Myassignmenthelp.Com

Question: How Do Alcohol And Other Drugs Affect A Person's Mental Health? Answer: Introducation Good mental health is a sign of a positive life which an individual lives. Excessive use of alcohol and some drugs can lead to short and long-term changes in the brain. This causes serious mental issues like depression, anxiety, aggression and many other problems. There are many people who are addicted so much that other mental disorders could also diagnosed like Paranoia and hallucinations. Alcohol and drugs like cannabis and heroin give direct impact on the mood of the individual. The changes in the behavior of the individual are due to the consumption of alcohol or drugs that changes the mindset of the person (Martin and Pear, 2015). Alcohol and drugs interfere with the chemicals present in the brain. This affects the information that chemical present in the brain is trying to send. The short-term effects of drugs on the mental health are many like drug induces anxiety disorder of an individual. In this, the person can have severe attacks as it increases the heart rate and also causes a fear of losing control. The person feels like the surroundings are strange and unreal. The second short-term effect is drug induces psychosis. In this, the individual hears and see things that are not present. The third short-term effect is it induces the mood disorder. There are many situations in which the individual feel depressed and lose the pleasure. This is known as mood disorder caused by alcohol and drugs. Especially like heroin, cocaine and many others (Collins et al., 2017). Many drugs cause health problems that remain for a long time. It can only be reduced if one person stops using the drugs. Long term drug can affect neurotransmitter of the brain in the individual. The effect is seen on the mental health of the individual. The person starts losing motivation and also does less work in college or office. The person creates a negative outlook on life and has sudden changes in the mood. For instance: the research showed that cannabis can increase the overall chances of getting schizophrenia (Volkow et al., 2016). If the person consumes less amount of alcohol then it can make feel more confident and sociable. The more person drinks the more likely he or she will feel unwell and confused. If the person drinks alcohol on regular basis then it can create serious physical and mental harm. It also reduces the quality of the life if an individual consumes more. It is also seen that mental health of the individual is affected by dual diagnosis problem. It is the term that is considered for the people who have a problem with drugs or alcohol. It is seen that addiction and mood disorder are connected. Many studies proved that there are many people who suffer from a mood disorder and this is due to drugs and alcohol (Connor et al., 2016). Dual Diagnosis Problem According to SAMHSA, as much as55 percentof people with a dual diagnosis dont get any treatment, compared to7%that get treated for both. So, the individual should not consume any drugs as it gives negative effect on the mental health. Alcohol should also be consumed in less quantity so that the negative impact cannot be seen on the mental health of the individual. References Collins, S.E., Taylor, E., Jones, C., Haelsig, L., Grazioli, V.S., Mackelprang, J.L., Holttum, J., Koker, M., Hatsukami, A., Baker, M. and Clifasefi, S.L., 2017. Content analysis of advantages and disadvantages of drinking among individuals with the lived experience of homelessness and alcohol use disorders.Substance use misuse, pp.1-10. Connor, J.P., Haber, P.S. and Hall, W.D., 2016. Alcohol use disorders.The Lancet,387(10022), pp.988-998. Martin, G. and Pear, J.J., 2015.Behavior modification: What it is and how to do it. Psychology Press. Volkow, N.D., Koob, G.F. and McLellan, A.T., 2016. Neurobiologic advances from the brain disease model of addiction.New England Journal of Medicine,374(4), pp.363-371.

Evaluating International Marketing Opportunities

Question: Discuss about theEvaluating International Marketing Opportunities. Answer: Toyota is one of the most competitive global automotive firms. Its market is diverse in terms of o and global market conditions and consumer preferences. Because of this, the companys, market matrix is designed to the many variations. Toyota Corporation was founded in 1973, and since then, it has grown firm a local business to a global firm. Today, it has operations most regions of the world, except a few parts of African and the Middle East and Mongolia. The companys global success demonstrates that is has developed and implements and effective marketing mix. SWOT Analysis Strengths Toyotas strengths have enabled it to remain competitive in the marketplace. This global company is a well-known brand with an outstandingly strong reputation. As result of this, it has a large market share, and customers prefer to associate with most of its products. Toyota also relies on modern technology to manufacture vehicles. Other than the advantage of a strong brand, its vehicles are efficient, affordable, and faster. A variety of vehicles that Toyota produces meets different needs of different classes of customers. Additionally, it manufactures fuel efficient vehicles and implements lean manufacturing approaches (Sako 2006). Weaknesses Toyota has weak organizational structures. This weakness makes it difficult for the organization to make the right decisions at the right time. The ultimate effect of this is low profitability. The automobile industry faces a lot of problems due to the instability of prices. Toyota has difficulty handling these factors. At present, it has no ability to keep the balance between fluctuations between price and demand. Additionally, Toyota has a problem managing the international network of its subsidiaries as well as franchises. Due to an increase in competition, the corporation is experiencing a decline in the overall sale, and this has led to a significant amount of debt (Sako 2006). Opportunities Toyota also has several opportunities that it can exploit to become more efficient and productive. It can invest in RD so as to introduce environmentally friendly vehicles. In the automotive industry, firms are on the lookout for better opportunities to enhance their processes. Since initiating most innovative processes is costly, most firms fear to invest fully in it. This offers Toyota a great opportunity for success given that it has a substantial amount of capital (Wells 2015). Other opportunities are the ability to introduce solar power vehicles and introduce ecology-friendly cards. These opportunities make it possible to enhance the companys brand image. Due to globalizations, it has a significant opportunity to penetrate larger markets. Besides, the company can continue to expand to new segments and new markets and retain its outstanding competitiveness (Theisen 2010; Barabba 2007). Threats The 2009 economic meltdown shoot all big world economies. While the economic environment has improved since then, most world economies are performing below expectation. The automobile industry is facing the crisis of constantly increasing oil prices. Competition is also increasing, and firms with the capacity to withstand cutthroat competitions are ailing finically and are on the verge of closure (Theisen 2010). Additionally, the continued economic meltdown has brought about many negative changes. The prices of manufacturing materials continue to escalate. Interest rates are also highly volatile. The government and international bodies have responded to these factors by tightening emission regulations and standards (Theisen 2010). Segmentation and Positioning For Toyota to be able to market its products, it should segment its market. The companys new products are selected based on the desire of its customers to go green, core requirements of customers such as efficiency, affordability, and reliability. Other criteria are the requirements of the government of eco-friendly vehicles as well as the key government regulations and standards. As an executive marketing manager of Toyota, I consider it appropriate for the company to manufacture more vehicles that have hybrid features and meet the above requirements. Toyotas new product that meets these criteria is Toyota Prius (Baker 2014). For Toyota, market segmentation matrix is effective for defining the segments for hybrid owners. These segment groups are the United Kingdom, Opportunists or Green lovers, pioneers, income, and environment. Pioneers followed by Green lovers are the most suitable segments for the new product, Toyota Prius.' There should be a strategy for targeting these two behavioral segments (Baker 2014; Barabba 2007). Appropriate Targeting and Positioning Targeting is the process of evaluating the attractiveness of each market segment and choosing at least one segment to enter. Some of the most common targeting strategies are undifferentiating, concentrated, and differentiated. Toyota cannot adopt undifferentiated strategy since the company does not need to convey the same message to everyone. Toyota can, however, use either differentiated or concentration targeting strategy. When using the differentiating strategy, the company can decide to target each of its segments with its marketing mix so as to meet the desires of its clients. The concentration targeting strategy can be the best option for Toyota as it enables the company to target distinct groups of customers (Science TQM, New Quality Management Principle 2012). The key positioning objectives for Green lovers and pioneers are developed depending on the criteria that are set to serve the new hybrid vehicle. The main strategic objective for pioneers is to offer innovative products to increase its market share for hybrid vehicles. The main goals for Green lovers are to provide products that meet the standards of the environment so as to be able to expand the market share of this segment (Ayers 2004). SWOT Analysis Product Mix Toyota produces the diverse set of products. They include Marine products, engines, welcab series, Toyota automobiles, Lexus automobiles, and spare parts and accessories. The most popular products in this list is Toyota automobiles. The luxury product is Lexus automobiles. Place Mix Toyotas main place for distribution is dealerships. However, it also distributes its products such as accessories and spare parts to retailers. Promotion Mix Toyota uses a promotion strategy that targets all its key markets. It uses personal selling and individuals who personally market the items to potential buyers. Also, it use advertising through platforms like websites, TV, and newspapers. Toyota also uses public relations to promote its products. Sales promotion and direct selling are other approaches that Toyota uses. Sometimes, it carries out infrequent sales promotion through special deals. For corporate clients, it uses direct selling. Price Mix Toyota uses different pricing strategies fir different product lines and models. It uses the market-oriented strategy to establish prices based on various market conditions and the influence of competitors. This pricing strategy applies in most of Toyotas products, including trucks and saddens. Since this strategy cannot meet all its needs, Toyota uses valued-based pricing as well. Using this strategy involves fixing prices depending on the actual and perceived value of the product. The value-based strategy applies best in Prius and other high-end and more expensive products. Recommendations Toyota should choose the right marketing strategies at each product life cycle stage. The product life cycle offers a helpful structure for crafting a strategy for products promptly. Toyota needs to evaluate all these stages of planning today and for the future. At the introduction stage, the company can implement generic strategies so as to grow and maintain a competitive advantage. For Toyota to be successful, it can adopt product differentiating, heavy advertising using the Internet, newspapers, and TV, and price penetration (The Toyota Way and the Toyota Production System (TPS), 2013). Additionally, Toyota should adopt the right growth stage strategies. For the company to achieve its goals, it should focus on expanding its market share rapidly. The appropriate tool for doing this is porters cost leadership strategy. At the maturity stage, Toyota should focus on increasing its market share. Since the Toyota brand is strong in the UK, it is the right market to focus on. However, Toyota has less market share in this market as compared with other firms. The main reason behind this shortage is the lack of product differentiation. Toyota being a global company, it has been focusing on both market segmentation and cost leadership. While this strategy has helped to make Toyota be one the biggest global automotive firms, it does not help the company to expand in the UK. In this region, Toyota should use a product differentiation strategy. At the decline stage, Toyota needs to invest in new and emerging markets, segmentation strategy, value adding or value chain strategy, and cost cutting strategy. For Toyota to compete effectively in the UK market it can use the differentiation strategy for Additionally, Toyota should carry out several RD activities so as to know all the needs of its customers. Conclusion From the above analysis, it is apparent that Toyota is the market leader in manufacturing Hybrid products. However, due to many business reasons, it is facing weak profitability. For Toyotas new product, Toyota Prius, it should target and position green lovers and pioneers in all the levels of PLC using communication channels like electronic media and the Internet. It should embrace marketing strategies such as price penetration and heavy advertisement. Finally, Toyota needs to adopt differentiation strategy so as to compete in the UK marketplace more efficiently. References Ayers, C 2004, Evaluation of 2004 Toyota Prius Hybrid Electric Drive System Interim Report, doi:10.2172/885776 Baker, M, J 2014, Marketing and Corporate Strategy, Marketing Strategy and Management, 25-59. doi:10.1007/978-1-137-34213-3_2 Barabba, V, P 2007, The Toyota innovation model, Strategy amp; Leadership, 35(4). doi:10.1108/sl.2007.26135dae.002 Sako, M 2006, Strategy and Structure at Toyota Group, Shifting Boundaries of the Firm, 92-126. doi:10.1093/acprof:oso/9780199268160.003.0005 Science TQM, New Quality Management Principle: The Quality Management Strategy of Toyota, 2012, doi:10.2174/97816080528201120101 The Toyota Way and the Toyota Production System (TPS), 2013, The Objective is Quality, 295-328. doi:10.1201/b16067-11 Theisen, T 2010, Natural gas for power generation and the automotive market, Handbook of Fuel Cells, doi:10.1002/9780470974001.f301002 Wells, P 2015, The market for new cars, The Global Automotive Industry, 19-28. doi:10.1002/9781118802366.ch3

The Windmills of Hope Review Essay Example

The Windmills of Hope Review Paper Essay on The Windmills of Hope The story is, He and She. They met at night in the subway, and immediately fell in love and maybe just seen each other the loneliness and only attempt to change a life, it is too late? We are talking about the novel Catherine Ryan Hyde Windmills of hope ». He came into my hands by chance. More precisely, when I intuitively bought it at the bookstore, and then safely forget about it And so, recently stumbled on this work, he wanted to read. The story captivated immediately. And I wanted to know, and whats next. I am truly worried about the main characters Sebastian and Mary. One had an awkward relationship with his father, the other with a husband who beats her regularly. Perhaps the fate of the order and brought these people to help each other to start a new life But if Mary could leave her husband because they have two children, and to build with someone new relationship, because with 15 years of her life There was only one man? And Sebastian? He even 18 because there is no Well, love is unpredictable thing We will write a custom essay sample on The Windmills of Hope Review specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Windmills of Hope Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Windmills of Hope Review specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Still, the book has a most charming character named Delilah an old friend and mentor of the protagonist. In my opinion, it is impossible not to sympathize with. Anyway, the book is just wonderful. Sincere wrote a very easy, but at the same time far Dummy In other words, I got from reading a great pleasure. And, so that interested the author. After searching for any information about Catherine Ryan Hyde, on the Internet, I found out that, it turns out, the movie Pay It Forward was filmed in her book. Now I set out to find this work and read. However, with the first paragraph have problems, but nothing. Someday, I still find it Quotes †¢ All of the people are a lot like animals. Have you ever watched the two circling dog, preparing for the fight? They certainly look into each others eyes. Its a challenge. But if the dog is not hungry for a fight, she looks away. †¢ I would tell you to be careful, if not for two things. The first is still no good. And second, all too often we utter these words. Be careful. Look, how would not suffer. Do not risk. Not feeling. With the same success can be advised to simply live. The essence of something is one.

What Is the Educational Achievement Essay Sample?

What Is the Educational Achievement Essay Sample?One of the most commonly used forms of essay writing is the Educational Achievement Essay. This form of the essay has been around for years and yet still continues to be employed in many different levels of study. You can find it in many different types of areas, from online college courses to vocational training.The best way to master the basics of this form of essay writing is to actually become a student and write your own form of essay. This is not to say that you will be able to write as good as or even better than the educational achievement essay sample. However, it will give you a good base for developing your own style.The educational achievement essay sample is very different from other essay writing styles. It is more likely to be short than long. This is because of the overall structure that is used in the essay.The majority of the essay sample in the Educational Achievement Essay is given in a list. This means that the ess ay typically does not have any supporting facts. In fact, the author is only stating a general statement about the topic at hand. Using this format, the essay should be relatively easy to write.The educational achievement essay sample is generally written in a very brief and simple way. It does not deviate from this structure for any reason. The length of the article is dependent on the topic of the essay and is usually a few paragraphs or perhaps even just two paragraphs.One of the biggest things that you need to look for when writing an essay is sentence structure. Your essay needs to have a consistent grammar and structure so that the information that you provide is organized correctly. You should also have some idea of what type of style the essay will be written in.There are many websites that can provide you with an organized and complete resource on this topic. They will provide you with a broad spectrum of essays on various topics that can be used as samples. These resources are also a great place to find a variety of sample essay topics. The sample essays can provide you with a better idea of how to organize your own essay and give you the chance to see how the forms and structure of the essay work.Remember that the Educational Achievement Essay is meant to give the student the tools to write a well-researched essay on the topic at hand. For this reason, it is important that you learn as much as possible about the topic that you are going to be writing about. This will help you build on your knowledge of the topic as well as give you a little insight into the structure and approach of the essay. It is no wonder that this form of essay is such a favorite for college students.

Antoine Laurent Lavoisier essays

Antoine Laurent Lavoisier essays Antoine-Laurent Lavoisier was born on Aug. 26, 1743. He grew up the oldest child in his family in Paris, France, and a product of the bourgeoisie lifestyle. His father was a well-off attorney who followed the family tradition of practicing law. Antoines mother died when he was just a boy, but his aunt came to help raise him and his younger siblings. Between 1754 and 1761, he was educated at the Collge Mazarin where he studied mathematics, astronomy, chemistry, and botany. From there, he was pushed into the field of law, and earned his degree. However, this career didnt interest him a great deal. He was more fascinated with sciences, especially, geology. Coming from his background, he had already gained entrance into the leading intellectual circles of the day and had been exposed to a great variety of scientific pursuits by the time he started his scientific career. A good friend of the family, Jean-Étienne Guettard, was a brilliant geologist and botanist, as well as bein g one of Lavoisiers main influences to join the study of science. Another great teacher of his was Guillaume Franà §ois Rouelle, his chemistry teacher. Both of these men were members of the Acadmie Royale des Sciences, or Royal Academy of Science. Lavoisiers first essay was about the mineral gypsum and the settling process of plaster of paris. This experiment showed off one on his strengths as a chemist, accurate measurement. Although a few scientists had earlier paid careful attention to measurement, it was Lavoisier who convinced the majority of chemists that accurate measurements are essential to experimental success and scientific progress. In 1768, Lavoisier was elected to the Royal Academy of Science. The same year, he entered the Ferme Gnrale, a private firm that collected certain taxes for the government. At the time, scientists were not very well paid, so in order to afford his expens...

Case for Analysis Marching Towards Market Essay Example for Free

Case for Analysis Marching Towards Market Essay Whirlpool Corporation is a Fortune 500 company and a global manufacturer and marketer of major home appliances, with annual sales of approximately $20 billion. Whirlpool entered the Indian market in the late 80s, and had entrenched itself as a formidable player in the Indian home appliances market by the mid 1990s, with a comprehensive product portfolio covering washing machines, refrigerator, microwave ovens and air conditioners. Today, Whirlpool is one of the most recognized brand in home appliances in India and holds a market share of over 20%. While Whirlpool is an acknowledged player in many of the water purifier markets across the world for the past several years now, Whirlpool entered the growing water purifier market in India in 2008. Given its focus on â€Å"attaining market leadership through Customer loyalty†, Whirlpool aspires to be the market leader in the water purifier market by 2012. This case presents the situation of the water purifier market in India, and poses challenges that Whirlpool will have to overcome to achieve its vision of becoming the market leaders. Even as world bodies and governments across the continents are strategizing to manage the growth humanity in a holistically sustainable manner, availability of safe drinking is a major area of concern for all. As high as 884 Mn people in the world do not have access to safe water. This is roughly  one in eight of the world’s population. 1.4 million children die every year from diarrhoea caused by unclean water and poor sanitation – one child every 20 seconds. Approximately 80% of diseases in India are caused by water borne micro organisms. This is true in rural as well as urban India. However, awareness of health risks linked to unsafe water The use of water can be broadly divided in to two major categories, namely for Consumption (drinking, cooking etc) and Sanitation. This case focuses on water used for drinking purposes. Throughout human history, different methods of treating water before consumption have been devised. Up until about 100 years ago, it was always found that water flowing from natural springs was safe for drinking in its natural state, but in the 21 century even spring water is first scientifically tested before it is recommended or bottled for drinking. Each of the above methods carries with them significant disadvantages either from a convenience point of view or from health and hygiene perspective. This calls for more sophisticated methods of purifying water, to suit with the evolving lifestyles in the societies. Current State-of-the-Art Water Purification Technologies Today, the more sophisticated and commercially available water purifying technologies are, †¢ †¢ †¢ Manual fill Purifier (Drip Type) Ultra Violet (UV) purification Reverse Osmosis (RO) purification The latter two are generally referred to as Electronic Water Purifier technologies (EWP); by exception, the first one is referred to as Non EWP.  The above three are given in the order of chronological evolution, with RO technology being the latest in the Water Purification technology. The manual fill purifiers do not run on electricity, which is a scarce resource in many parts of rural India, and also have significantly lower costs in comparison to the EWPs. Interestingly , these manual fill purifiers which primarily use chlorine or UF technology are at par in performance with UV in terms of microbial protection. UV has been the oldest technology in the industry. It typically involves preliminary stages of filtration, followed by treating the filtered water through UV rays to deactivate the microbial organisms.   In the RO technology, even the smallest of microbial organisms are filtered using the reverse osmosis technology. RO technology especially scores over UV when the Total Dissolved Solids (TDS) count in the source water is high . One disadvantage of RO systems is the wastage of significant quantum of water during its processing. Needless to say, the costs of the products under these different technologies increase from manual fill purifiers to UV purification systems to RO purification. The typical price range of manual fill purifier products is Rs. 1500 to Rs. 3500, while the UV products range in price between Rs. 4000 to Rs. 9000. The RO products are priced on the higher side starting from Rs. 8000 to Rs. 20000. Many products available in the market today in India use a combination of technologies but for the products in the lower end technologies (manual fill purifiers). Water Purifier Market in India The delivery of purified water in the Indian markets follow two conduits, namely, water purified in purification plants delivered to residences and other consumption locations (e.g. restaurants) in cans; and installation of water purification instruments at the place of usage. While the former  One of the oldest methods of treating water, and one still used constantly in Third World and often in developing nations or areas that have seen recent natural disasters, is boiling to kill microbes (but this causes loss of taste and may leave in dirt). Other methods of water treatment include filtering and distilling, use of chemical agents such as Iodine or Silver or Potassium Permanganate into the water supply, or the use of candle filters. methodology predominantly uses multiple technologies mentioned above, provides economies of scale and eliminates initial costs of investing in equipments, the costs involved in distribution of the treated water counters these economies of scale. The l atter provides for visibility and ease of use, which are significant perceived benefits in comparison to the former. While both the delivery mechanisms exist, the latter is fast catching up. This case focuses on the latter, which is typically referred to as the Water Purifier industry. This industry is broadly divided in to two categories namely Electronic Water Purifiers (EWP) comprising of products using UV or/and RO technologies and Non Electronic Water Purifiers (Non EWP) comprising of products that use the manual fill purifiers. Frost and Sullivan report of primary research in 2009, estimates the total market size of the Water Purifier industry in India to be 2000 Cr of which 63% is from product sales and 37% is after sales revenue. Despite the size of this industry, the Water Purifier industry in India has a low penetration (2% Urban and 0.5% All India) as per IRS 2007 and is growing at a strong rate (others use traditional water treatment methods like boiling and filtering, or use of chemical additives like Chlorine, Potassium permanganate etc). As per AC Nielson 2006 study( and internal estimates), the industry is expected to touch approx 2.3 mn units by the end of 2009. Expected growth rate of 15% and a CAGR (‘04-‘09) 21%. The average ASV of the industry is Rs 6700. With a size of approx 1.7mn (units), the EWP market is divided into 2 sub-segments – RO (30% sal) & UV (70%). The RO segment is the premium end of the category and has an ASV of Rs 12000 while UV has an ASV of Rs. 7000 .RO & UV growths , CAGRs(‘04-‘09) are (15% ,16%) and (10% ,10%) respectively. The Non-EWP segment operates at a sub 2K ASV (Rs 1900). This segment is witnessing an explosive growth with the entrance major players like HUL etc . The Annual growth rate was witnessed at 25% while CAGR(‘04-‘09) at 77%. It is important to note that the technology sold in a given local market is also dependent largely on the characteristics of the source drinking water in the given demography. For example, a region like Delhi with high TDS calls for RO technology, while regions like Cochin with low TDS would depend on products with UV technology. Also, one of the detriments to EWP products is the availability of continuous flow of source water and availability of power, both of which advantages are addressed the products dependent on Manual Fill Purifier technology. While the major element of the market in the water purifier equipment business in India is still in the unorganized sector, branded products are catching up and their market share is improving. The major branded players in the market are Eureka Forbes (AquaGuard, AquaSure brands), Kent, Philips, HUL (Pureit), Ion Exchange (Zero B) Ushabrita and Whirlpool (Purafresh). As per Frost and Sullivan report 2009 , Market share by player and by technology- Approx Shares ( for 2008) Eureka Forbes: RO(20%) , UV(35%) , Drip Type(33%) Kent: RO(25%) , UV(0%) , Drip Type(0%) ZeroB: RO(15%) , UV(0%) , Drip Type(0%) HUL : RO(0%) , UV(0%) , Drip Type(42%) OTH: RO(40%) , UV(65%) , Drip Type(25%) The Non-EWP segment was primarily dominated by local players until recently, when HUL entered the category with its drip type purifier under the brand Pureit at a break through price of Rs 1800 and took the market by storm. The other key players in this segment are Ushabrita & Eureka Forbes. The channel for this segment has traditionally been the Direct to Home (DTH) route, with this route still accounting for a whopping 65% of the product sales in this category. The ratio of Eureka Forbes’ DTH sales is higher at 75%. On the trade side(contribution bal 35%), the DAP channel (Domestic Appliances Products) accounts for the larger proportion of the share with 65% while the Durable Trade accounts for the remaining 35%. The DAP Channel mainly consists of small appliance sellers  who sell products like iron , blenders , mixers , gas burners etc. These retailers primarily sell products which lie within the price range of Rs 500-Rs 5000. They are typically not in the prime locations in the market place and their shopfloor size is on an avg10X10ft. The products are displayed mostly in a packed form. The products are sold very close to the MRP and the discounts offered are in the range of only 5-10% HUL has made an entry through a unique channel. It has opened up a large number of ‘Water Safe Zones’ / â€Å"Product Experience Centres’ and is pushing the volumes from there while catering to direct to home service as well While HUL is establishing itself in the entry level segment through consistent advertising and promotions , the more established players in UV & RO like Eureka & Kent too are active in the media space and are seen promoting their products through several media elements. Recently, HUL was seen rolling out a ‘Rs 1 Crore’ challenge offer and heavily promoting the same. At the same time Eureka Forbes was also seen throwing a ‘Money Back Guarantee’ offer on its products. Eureka Forbes operates with a strong sales& service force of 6000 people on the company rolls along with an equally large group of third party franchises. The company has been under pressure to expand its volumes since the avg the productivity of its sales team has come down over years. Lately, they have been seen heavily focussing on retail through their ‘Aquasure’ brand while the ‘Aquaguard’ brand is operating in the DTH section. Kent has its own sales & service set up in Northern India while it depends on third party franchises for its operation in the rest of the country. It has branch offices in 6 cities (AP , Karnataka, Kerala , Mumbai , Gujarat , West Bengal). In order to counter HUL’s explosive growth, Kent recently rolled out a NON-EWP (UF based) purifier at a price of Rs 2500 under the sub-brand  Ã¢â‚¬â„¢Kent Gold’. This product is being primarily marketed through the retail channel. HUL has set up its Safe water zones with external KSPs ( Key service providers) while continuing to have its internal sales team supervising the operations . In Delhi for example , it has 27 such zones with a sales team of 750 sales men, 17 Territory sales executives (TSE) , 3 business development executives (BDE) , 1 area head.(AH) and 2 service officers . The TSEs, BDEs & AH are on company rolls. The following table summarizes the typical product price points in the various segments. Price range (In Rs) Unorganized 1500-2500 4000-6000 8000-12000 Organized 2000 – 3500 6000-9000 8000-20000 Whirlpool Not Applicable Not Applicable 12500-20500 Segment Non EWP Ultra Violet (UV) Reverse Osmosis (RO) Whirlpool’s entry in the Water Purifier Market in India Whirlpool has been present in the Water category in all the key regions of the world including US, Canada, NAR, Europe, Brazil, Mexico & Asia in several value added segments like water heaters, bottled water dispensers, water softeners , Refrigerator filters etc. Whirlpool entered the Water Purifier Market in India in the early 2008 to tap in to the growing Water Purifier Market, focused on the RO segment to start with, with the launch of the Purafresh range of purifiers. Currently, Whirlpool Water Purifier products are available across all markets in the country. Whirlpool has garnered a Market Share of 5% in the RO segment in the past 1  ½ years. The Water purifier category is a perfect brand fit for Whirlpool. It is a home appliance used by the home maker to provide safe and pure drinking water to her family, thus building a strong case of placing trust in the brand. This category will lend a lot of credibility to the Whirlpool brand. Whirlpool’s communication strategy also revolves around reinforcing this element of Trust. Equipped with Whirlpool’s patented ‘6th Sense’ technology, the new ‘Purafresh’ water purifier is the first Reverse Osmosis system on the market that not only purifies but also protects the purity and freshness of the water with its prestigious gold seal certification (from GOLD Seal of Water Quality Association, USA WQA). Purafresh is available in three models – Purafresh Platinum, Purafresh Elite and Purafresh Deluxe. Given the situation described above, suggest a comprehensive â€Å"Go-To-Market† plan following a systematic methodology for Whirlpool to achieve its overall objective of achieving market leadership in the Water Purifier Market (in the organized sector) by 2012, and its interim goal of achieving market leadership in the RO segment, ensuring its premium brand image, and its operational philosophies (given in the annexure for ready reference). A) Understanding and presentation by a Systematic methodology. B)Inputs: Should reflect comprehensive understanding of the company and competitive environment. 1) Analyze company development , history, Growths. 2) Identify Strengths , weaknesses , 3) Analysis of external environment (Porter 5 forces , SWOT etc) C) Outputs: Understating should result in output 1) Strategy on all 4 P’s 2) Channel Strategy ( Spl Focus) a) Evaluation of SWOT b) Key market insights c) Business Level Strategy d) Recommendations (including articulation of hypothesis) e) innovative approach especially in the communication/promotion strategy Phase II Build a detailed business plan arising out of the above strategic plan, and project the profitability of this business over time, including investments that may be required for new products and their market entries, while achieving this objective. Recommendation evaluated by 1) Strategy 2) Product choice 2) Financials ( volumes, Margins , costs , etc) 3) Process of executing strategy 4) Innovative approach/ideas. {In the first phase, the second phase question and related references should not be circulated} Whirlpool’s high end Purafresh platinum model, is India’s first and Only Direct Flow RO with no storage tank enabling immediate consumption of freshly purified water with 72 litres per hour capacity (Normal RO products have 8-10 litres per hour capacity). It has an advanced 5-stage purification process and also boasts of a first–of–its–kind electronic interface with a ‘Filter change indicator’, which alerts the consumer on the need to change the filter and thus ensures continual purity & protection of the water. Other diagnostics functions like no water on tap indication, self cleaning mode indication, and water extraction indication makes it the most advanced and best in class product available in the Indian market today. Whirlpool entered the Indian market mainly leveraging their strength in the durable retail channel and has the highest share (30%) of all Water Purifier sales in this channel. Whirlpool has also entered the DAP Channe l and are currently having a 10% share in that channel. The â€Å"Surging to Lead† Challenge Given its focus on â€Å"attaining market leadership through Customer loyalty†, Whirlpool aspires to be the market leader in the water purifier market by 2012, with an interim goal of attaining market leadership in the RO segment by 2010, while at the same time maintaining its brand position. This, no doubt, is a challenging aspiration for Whirlpool, given the well entrenched players in the market like Eureka Forbes, aggressive players like HUL who is focused on tapping the market at the â€Å"Bottom of the Pyramid† and a large unorganized market who would significantly benefit from the growth fuelled by these players. However, Whirlpool has to its advantage of its strong brand position in the hearts and minds of the home makers, and a strong, well established channel in the white goods market. The challenge for Whirlpool is to leverage its strengths, and perhaps work out completely innovative market strategies if it has to achieve its intent of becoming a  market lea der in the Water Purifier Market in general, and that in the RO segment. Annexure : A brief about Whirlpool Whirlpool, right from its inception in 1911 as first commercial manufacturer of motorized washers to the current market position of being world’s number one manufacturer and marketer of major home appliances, has always set industry milestones and benchmarks. The parent company is headquartered at Benton Harbor, Michigan, USA with a global presence in over 170 countries and manufacturing operation in 13 countries with 11 major brand names such as Whirlpool, KitchenAid, Roper, Estate, Bauknecht, Laden and Ignis. The company boasts of resources and capabilities beyond achievable feat of any other in the industry. Whirlpool initiated its international expansion in 1958 by entering Brazil. However, it emerged as truly global leader in the1980’s. This encouraging trend brought the company to India in the late 1980s. It forayed into the market under a joint venture with TVS group and established the first Whirlpool manufacturing facility in Pondicherry. Soon Whirlpool acquired Kelvinator India Limited in 1995 and marked an entry into Indian refrigerator market as well. The same year also saw acquisition of major share in TVS joint venture and later in 1996, Kelvinator and TVS acquisitions were merged to create Indian home appliance leader of the future, Whirlpool India. This expanded the company’s portfolio in the Indian subcontinent to washing machines, refrigerator, microwave ovens and air conditioners. Today, Whirlpool is the most recognized brand in home appliances in India and holds a market share of over 20%. The company owns three state-of-the-art manufacturing facilities at Faridabad, Pondicherry and Pune. Each of these manufacturing set-ups features an infrastructure that is witness of Whirlpool’s commitment to consumer interests and advanced  technology. In the year ending in March ’09, the annual turnover of the company for its Indian enterprise was Rs.1,719 Crores. The company’s brand and image speaks of its commitment to the homemaker from every aspect of its functioning. It has derived its functioning principles out of an undaunted partnership with the homemakers and thus a slogan of â€Å"You and whirlpool, the world’s best homemaker† dots its promotional campaigns. The products are engineered to suit the requirements of ‘smart, confident and in-control’ homemaker who knows what she wants. The product range is designed in a way that it employs unique technology and offers consumer relevant solutions. Whirlpool Corporation : Vision and Mission Whirlpool’s pervasive vision, â€Å"Every Home, everywhere, with pride, passion and performance†, rests on the pillars of innovation, operational excellence, customer-centric approach and diversified talent. These are embedded within our business goals, strategy, processes and work culture. Be it our products that are the result of innovation and operational excellence to meet every need of our consumers or the people behind these products that come from a wide spectrum of backgrounds, everything we do features a distinct Whirlpool way. Core Competencies Innovation: Unique and compelling solutions valued by our customers and aligned to our brands create competitive advantage and differentiated shareholder value. Operational Excellence (OPEX): A methodology for solving problems & continuous improvement of products & processes through pursuit, acquisition, and utilization of knowledge using critical thought and planned experimentation helps us achieve operational excellence. Customer Excellence: Excelling the customer expectation from the company, its brands,  products and services are a three-step process. The three steps are: Know a customer, Be a customer, Serve a customer. Knowing a customer helps us know who our customers are, how to treat them, how we add value, and what the drivers of brand loyalty are. This information is gathered from the customer’s data base history. This way we are better able to customize products for them and recommend the right product to solve problems. Being a customer is important to share customer knowledge and insights, drive actions based on customer insights, be passionate about our brands and customer loyalty and provide a positive voice for our brands. We show empathy for customers and seek to resolve their problems by creating consistent customer touch-points, with our endeavour always being to provide unique solutions for the customer . Whirlpool Corporation’s Transformation Agenda Whirlpool is transforming into a completely customer-centred company where the customer lies in the core of every of our functions. This focus has arrived as direct consequence of our core competency of customer excellence. It allows us to build Customer Loyalty. The transformation is made The elements of the transformation hold the promise of making Whirlpool a growing company and thereby increasing value for our shareholders. The five  elements are the basis for describing our strategy internally and guide the development of our plans and initiatives. Whirlpool has swiftly moved from being a World Class Manufacturer to a World Class Marketer using the brand-building framework. We are dedicated to creating unique branded solutions that build customer loyalty and achieve brand excellence. Case for Analysis Marching Towards Market. (2016, Jun 06). We have essays on the following topics that may be of interest to you

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