HMS Challenger Journal Essay Sample free essay sample

The ship set canvas from Portsmouth. England early yesterday forenoon and we have been sailing for about a whole 24 hours ; I’m saying we’re about 40 grades north of the equator. It’s a great twenty-four hours for sailing. the H2O is crystal blue. my hair is gently blowing though the air current. and there’s non a cloud in sight. Today my occupation was to utilize the scientific tool. the dredge. A dredge takes samples along the surface of the seafloor while being dragged across the underside. There was non much fortune today happening big beings other than a few fish. but we brought up some soil with bugs populating inside it. The insects were bantam and seemed to hold been feeding on the clay. They looked to be worms with legs. Day 2- January 1st 1873 Today is my first twenty-four hours off since I’ve boarded the ship. We will write a custom essay sample on HMS Challenger Journal Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page My feelings have non changed since I’ve boarded the ship. I woke up and received a fresh breakfast of chocolate and difficult biscuits. We’ve landed at the island of Tristan D’Acunha. It’s a beautiful island with perfect conditions conditions. It felt good to eventually be back on dry land. Our ship is get downing to run out of nutrient so I volunteered to travel expression for nutrient. The day-to-day activities of the work forces were angling. runing. and looking for nutrient that’s been turning. I was seeking for grown nutrient when I came across a spring of fresh H2O. I knew we were running low on fresh H2O so I ran back to the ship. brought some aid and hauled dozenss of imbibing H2O to the ship. When we got back the captain had our tiffin ready. all we had was fish but there was plenty to feed the whole crew. Day 3- January 24th 1873This forenoon I woke up with Malaise ; feeling of being ailing. I wasn’t certain why I felt this manner but I went down to James Lind to happen out what was incorrect with me†¦ 2 hours subsequently I woke up from a nap feeling worse than I originally was. Lind figured that I had Scurvy which is caused by a deficiency of Vitamin C. which makes since because the ship hasn’t had fresh fruits or veggies since we boarded. He told me that if I didn’t replenish my nutritionary lack so in a month or two I would acquire worse and have critical bone strivings. Equally shortly as the other work forces heard about the disease I had received they wanted to bring around me fast. We set out for dry land to garner every bit much fruits and veggies as we could. hypertext transfer protocol: //learn. flvs. net/webdav/educator_marine_v9/module02/02_02b_01. htm hypertext transfer protocol: //life. bio. sunysb. edu/marinebio/challenger. hypertext markup language hypertext transfer protocol: //webarchive. nationalarchives. gov. uk/20101001110155/http: //www. royalnavy. mod. uk/training-and-people/rn-life/medical-branch/medical-history/sea-diseases/  » Millar. . London: A. ( ) . A Treatise on the Scurvy. Retrieved 2 January 2013 from wikipedia. com: hypertext transfer protocol: //en. wikipedia. org/wiki/Scurvy

Free Essays on Jane Addams And The Hull House

Hull House Jane Addams did many things in her lifetime that still have an impact on today’s society. Jane, the vice president of National Woman’s Trade Union League in 1903, also helped found the National Association for the Advancement of Colored People. She was elected first woman president of National Conference of Charities and Corrections (which later became National Conference of Social Work) and during this time she published many books, including, Twenty Years at Hull-House. She was the first vice president of National American Woman Suffrage Association, the first head of National Federation of Settlement and Neighborhood Centers, she was elected first chairman of the Women’s Peace party, which she helped found, and she founded the Women’s International League for Peace and Freedom and served as its president from 1919-1929. And to top it off, she helped to found the American Civil Liberties Union. In 1931, Jane Addams was the first woman to receive th e Nobel Peace Prize. ! She passed away in Chicago, the town that she loved, on May 21, 1935. She is buried in her hometown of Cedarville, IL. Jane Addams, born in Cedarville, Illinois on September 6th, 1860, was born into a privileged family. Her father was a strong abolitionist miller who had been a state senator who passed many social reform legislation bills. Her father told Jane that she could do whatever she wanted with her life. As a small child, she had hopes of becoming a doctor but an illness put an end to her dream. Therefore, she only had a few choices. She could marry, have children, and become a matron of society; or she might be able to become a schoolteacher; or she could simply be an aunt to the children of her elder sisters. Her mother died when she was really young, and her father and her sisters spoiled her. About five years after her mother’s death, her father remarried. Her stepmother was a woman whose appreciation of the arts... Free Essays on Jane Addams And The Hull House Free Essays on Jane Addams And The Hull House Hull House Jane Addams did many things in her lifetime that still have an impact on today’s society. Jane, the vice president of National Woman’s Trade Union League in 1903, also helped found the National Association for the Advancement of Colored People. She was elected first woman president of National Conference of Charities and Corrections (which later became National Conference of Social Work) and during this time she published many books, including, Twenty Years at Hull-House. She was the first vice president of National American Woman Suffrage Association, the first head of National Federation of Settlement and Neighborhood Centers, she was elected first chairman of the Women’s Peace party, which she helped found, and she founded the Women’s International League for Peace and Freedom and served as its president from 1919-1929. And to top it off, she helped to found the American Civil Liberties Union. In 1931, Jane Addams was the first woman to receive th e Nobel Peace Prize. ! She passed away in Chicago, the town that she loved, on May 21, 1935. She is buried in her hometown of Cedarville, IL. Jane Addams, born in Cedarville, Illinois on September 6th, 1860, was born into a privileged family. Her father was a strong abolitionist miller who had been a state senator who passed many social reform legislation bills. Her father told Jane that she could do whatever she wanted with her life. As a small child, she had hopes of becoming a doctor but an illness put an end to her dream. Therefore, she only had a few choices. She could marry, have children, and become a matron of society; or she might be able to become a schoolteacher; or she could simply be an aunt to the children of her elder sisters. Her mother died when she was really young, and her father and her sisters spoiled her. About five years after her mother’s death, her father remarried. Her stepmother was a woman whose appreciation of the arts...

Marketing Financial Services Essay Example | Topics and Well Written Essays - 2000 words

Marketing Financial Services - Essay Example The greatest asset of any consumer finance business is its base of customers. In the current competitive market, acquisition of profitable customers is tricky and tough. Nurturing the relationship into long-term profitable assets require lots of perseverance, innovation, and research. All customers are different, and to acquire the value they bring, they need to be treated differently. There are many methods to acquire customers. Advertising is one of the foremost methods. US Advertising Spending by Financial Services companies by media 2003 & 2004 (as a % of total spending).....Source: TNS Media Intelligence & Advertising, June 2005: 2003 2004 TV 27.7% 31.15 Newspaper 23.8% 22.4% Magazine 14..7% 15.5% Cable TV 12.9% 12.5% Internet 14.7% 12.5% Radio 3.2% 3.0% Outdoor 3.1% 3.0% Acquiring new customers through email and direct mail marketing are other methods that are fast and cost-efficient. With the help of thousands of interest categories demographic information, and behavioral targeting, you can find the exact people you are looking for and then giving you the information you need to convert these prospects into customers through email and direct mail marketing. CUSTOMER RETENTION Customer retention marketing is a tactically-driven approach based on customer behavior. It’s the core activity going on behind the scenes in relationship marketing, loyalty marketing, database marketing, permission marketing, etc. ... information, and behavioral targeting, you can find the exact people you are looking for and then giving you the information you need to convert these prospects into customers through email and direct mail marketing. CUSTOMER RETENTION Customer retention marketing is a tactically-driven approach based on customer behavior. It's the core activity going on behind the scenes in relationship marketing, loyalty marketing, database marketing, permission marketing, etc. Here's the basic philosophy of a retention-oriented marketer: 1. Past and current customer behavior is the best predictor of future customer behavior. Example: Take these two groups of potential buyers who surf the net: People who are a perfect demographic match for your site, but have never made a purchase online anywhere and people who are outside the core demographics for your site, but have repeatedly bought online at many different web sites If you sent a 20% promotion to each group, asking them to visit and make a first purchase, response would be higher from the second group than the first group. It works because actual behavior is better at predicting future behavior than demographic characteristics are. 2. Active customers are happy (retained) customers; and they like to win. They like to feel they are in control and smart about choices they make, and they feel good about their behavior. Marketers take advantage of this by offering promotions of various kinds, ranging from discounts and sweepstakes to loyalty programs and concept approaches such as thank-you notes and birthday cards. If you want your customers to do something, you have yo do something for them, and if it's something that makes them feel good, then they're

Financial analysis of Vodafone and Exeter University Essay

Financial analysis of Vodafone and Exeter University - Essay Example Establish a robust and emerging market. The organization aims to manage a dynamic portfolio in order to render the maximum gains to its investors and shareholders. The capital structure of the firm must be aligned in such a manner that the return and strategy are both in tandem with each other and the shareholders gain maximum returns with the new three year dividend target. The Key Performance Indicators of Vodafone are based on the continuous monitoring and control by the Board of the Directors along with the Executive Committee to measure the financial performance of the company against the strategic objectives. The performance is measured on both the financial and non-financial terms reflecting upon the organizational strategy and operations. The free cash flow generated by the organization values ?7,241m which can be used by investments and other financial purposes such as manager’s salary etc. The organic growth of the company is estimated to be ?4,051m , almost 19.3 % T he capital expenditure incurred by the company for meeting the needs and requirements of its customers is ?6,192m It was witnessed that at the end of the financial year 2010, many markets relocated to NPS that is another source to measure the customer satisfactory levels. EBITDA is used as a measure to monitor and control segment wise performance of the company which is calculated to be ?14,735m (7.4) % in 2010. Apart from the above, the performance of the company can also be judged from the total increase in employees from last year to a count of 5893 employees out of which major senior positions have been grabbed by female employees. Vodafone has to combat threat of fierce competition among few... Financial analysis of Vodafone and Exeter University Vodafone Group being a private company deals in the global telecommunication business which is headquartered in UK and spread across 30 countries. The organization extends a wide span of voice and data services to many countries across the world through the medium of mobiles. The span of control extends from Europe, Africa, and Middle East, America to Asia-Pacific. The product line of the company ranges from fixed line, internet services to digital television. The total revenue of the organization in the year 2010 was  £44.47 billion; the operating income was calculated to be  £9.480 billion and the total profit was ascertained to be  £156.98 billion in 2010. The organization stands second in terms to total number of subscribers. The company is a listed company featured in the primary list of London Stock Exchange and secondary listing on NASDAQ, also being a fundamental component of 100 Index. The total revenue of the Vodafone group has witnessed an 8.4 percent increase, reach ing almost  £44,472 million. Vodafone believes that EBITDA that is ascertains does not entail few items that may have an impact on the company’s performance, hence to offset the imbalance the EBITDA is evaluated in coordination with the other GAAP and non-GAAP principles that gives a fair view of its operating profit figures. However the adjusted operating profit calculated by the firm does not include non-operating income, the impairment losses etc.

Bounced Check, Return of Unsold Books, Safety at work Places Essay

Bounced Check, Return of Unsold Books, Safety at work Places - Essay Example In respect to this provision, Watson could be presumed to be aware that the check will bounce if one or two conditions occur. The first one is, in case he did not have an account with the drawee during the stated date or the issue time, whichever comes later. The second reason could be, if the check appropriately declined payment for lacking enough funds, when presented within 30 days after the stated date or issue date, either of which comes later, and if the responsibility of Watson, or any other party who may be involved happens not to be set free through payment, not later than ten days following the bouncing date. If Watson successfully satisfies that the two conditions did not arise, then it is hard to place any blame on him, therefore, Wilson can easily prevail against the store’s intentions of reclaiming the computer from him – as it will be presumed that it was legally transferred. 2. Return of unsold books, which are damaged. Both the express and implied condi tions of contract between Press Publishers and Boardwalk Books must be satisfied. Although Press Publishers could not have expressly stated that the unsold books must be returned in good condition, there is an implied responsibility for the Boardwalk Books to exercise due care – in order to avoid damage of books while in the books store. The fact that some pages had been ripped off by customers, while coffee had been spilled over others is a blatant negligence on the part of Boardwalk Books. Press Publishers can refuse to accept the 20 copies that had been destroyed and successfully sue Boardwalk Books for negligence. The law presumes that Boardwalk Books should act professionally and with due care, to avoid any foreseeable danger that could happen in its premises, upon goods stored there but owned by the third parties. On the other hand, Boardwalk Books can raise a defense against some books which were destroyed for merely sitting on the bookshelf. They could argue that Pres s Publishers had supplied books of low quality; hence, they easily get damaged. To prevail against Press Publishers, Boardwalk Books must prove beyond doubt that they exercised due care, and could not have done anything to prevent the books from getting destroyed. Boardwalk Books may want to argue that the problem arose from the fact that the publisher’s goods were selling very slowly, however, such argument many not hold any water since it does not prevent them from taking care of the goods. 3. Safety at work Places All employers are responsible for the health and safety of all their employees. Laws have been enacted to protect employees from hazards at their work places. Examples of such laws are the Fair Labor Standards Act (FLSA), Occupational Safety and Health (OSH), and the Mine Safety and Healthy Act of 1977. Under the OSH act provisions, all employers should provide a workplace free from hazards or accidents that cause, or are likely to cause, death or serious emotion al or physical harm to the workers. The occupational Safety and Health Administration creates standards and regulations that implement the Act. All employers should comply with the OSH regulations and standards (Emerson, 2009). The company Delores was working for failed to provide enough security in the work place, and that is why she was raped in the premises. The company breached the OSH standards and regulations. The Vandalay Company was wrong about the position-risk test. Why did the janitor rape her at the company premises? Was he

Analysis of Values, Expectation and Environment of National Bank of Pakistan

Analysis of Values, Expectation and Environment of National Bank of Pakistan The balance sheet of NBP is better than all other banks operating locally. The services of NBP are accessible to the government of Pakistan, business units and individuals. NBP has shown a remarkable financial performance in 2006 with an estimated total asset of over 634 billion PKR. The overall deposits of NBP have grown-up to approximately 502 billion PKR. According to the annual report of year 2006 the bank earned 26 billion rupees before tax profit and the per share value increased to 24.01 rupees. The boost in revenue was attained due to the huge central banking returns. The bank issued more loans and income received by bank on these loans increased by Rs.10 billion. Bank enjoyed an increase of Rs.268 billion in its advances. To offset the threat of credit alarm NBP retains a strong hold of loans. The bank issues these loans to different range of people/ businesses. For example NBP karobar is a scheme of NBP to help people increase their business, bank also gives loans to SM enterprises and also in agriculture field as well as large business companies. The signed agreement in year 2002 with Western Union is one example of different channels that bank is facilitating for Pakistani living overseas. It provided them a convenient and competent way to transfer their funds to Pakistan. Currently bank has started an efficient online system to track the complete inward clearing. This system ensures that all the branches have complete record of every step of inward remittance until its final acknowledgment of receiving. Learning Outcome 1 Types of values, Links to Values, Vision and Mission One of the key drivers of strategic purpose in an organisation is its values. Values are part of the organisations culture those subconscious assumptions and beliefs that frame its view of itself. TYPES OF VALUES Lencioni , (2002)noted four types of company values Core Values These are the deeply ingrained principles that govern all the organisations actions. These values are the source of a companys distinctiveness. Aspirational values Aspirational values are those principles that are essential for prospect achievements. Here is where conventional morals might be out of step with a planned value. Permission-to-play values These values are also called as entrance values; these are non-core and non-distinctive values. These are the minimum principles of manners that are given in employees instruction manual. Accidental values Accidental values are those intellectual standards that are engaged for approval however these standards do not actually reflect the central or inspirational principles. Core values of National Bank of Pakistan NBP believes in reliability of premier standard Superiority in customers service is another core value of NBP NBP admits the teamwork and it has a performance based culture i.e. rewards are given on performance base NBP improves its expertise for upcoming confronts It builds an understanding of public and neighbourhood responsibility NBP creates ethics for its stakeholders Morals work collectively with visualization to produce the structure of your tactical aim, and from your structure come your exact plan and objectives. At times difference between vision and mission is unclear. A vision is an inspiring declaration of anywhere the company desires to be, while the mission is a declaration of present strategic situation. The Vision A vision declaration  is occasionally identifies an image of your business in the prospect however its so much further than an image. Your visualization is your idea, the outline for your calculated arrangements. The Mission A mission declaration  is a concise explanation of a businesss primary intention. It answers the question WHAT IS OUR PURPOSE OF EXISTANCE. The mission enounces the companys aim together for those in the company and for the community. Vision of NBP To be known as a leader and a product identical with belief, uppermost standard of service and excellence, worldwide best exercise and public duty. Mission of National Bank o Pakistan The mission of NBP is to seek the ethics that will enable the bank Infect the bank of realm it will focus on the following NBP will institutionalise a value and performance based culture. Will create a unique brand name by offering top class services. NBP will adopt the premium management strategies. It will focus on maximising the value of its stakeholders. Evaluation of NBPs Vision against its suitability There are many ways/ tools to evaluate the mission statement of an organisation. I have chosen the five ways suggested by HAMEL and PRAHALAD in year 1994. These are: Foresight NBP has a strong and powerful vision statement. The flow in its vision is very logical and arranged. All the three parts of the vision are in steady relation in an attractive way. It demonstrates the strength of the banks planning for future. The primary element of the banks vision statement says to be known as the leader face the foreseeing part of its vision. Breadth NBPs vision is vast enough to appreciate different topics. The vision is about giving answer to the continuous changing market. By covering the top international practices its vision shows its wideness. Uniqueness The desire to continue its participation to provide best global practices gives its mission statement uniqueness. Consensus As it is possible to fulfil the vision statement of the bank its vision is also consensus more over all the assembly like board of directors, chief executive officers and voice presidents are agreed on it. Action-ability Its vision clearly mentions the future opportunities in a proper manner. To enjoy being a leader in banking field NBP is applying top quality management skills. The excellent team work, high standard service and its sincerity with its work makes it well qualified to face the upcoming confront and to create values for its stakeholders. Evaluation of Mission Statement To evaluate the mission/ objectives of NBP I have chosen the SMART tool. The SMART analysis of NBP is as following: S Specific The mission statement of the NBP is to the point. It is very clear and understandable. Every point of its mission statement is well defined and logical. M Measurable Here measurable means quantity. To the best of my understanding and knowledge the term Measureable can best fit if NBP has achieved the targeted revenue, number of branches, number of customers etc. And I think the answer is yes even more than that. Because it is a purely government organisation people have trust in it. A Achievable As one can clearly see that NPBs mission statement recaps the basic strategy to realize the goals of the organisation it states the key goals that the workers should struggle to meet. This declaration is given in very clear points and I think its very much attainable/ achievable. R Realistic The approach of NBP towards its mission/ objective is very realistic. I mean there is sense of what it states. Like its says to maximise its stakeholders value, means by providing top quality services and providing its stakeholder continuous profit NBP will do its best to increase its stakeholders value and improve their life. T Time-bound The time bound factor means it should specify the time when its going to get these objectives/ missions. As far as my knowledge about the company is concerned NBP has not given any time limit for achieving its missions/ goals. Learning outcome 2 Stakeholder Analysis; managing expectations Definition of Stakeholder Freeman and Reed (1983) suggested two definitions of an organisations stakeholder i.e. narrow and broad. The broad definition says that a stakeholder is a group or individual who can either affect the achievements of the organisation or is affected by the achievement of the organisations objectives. The narrow definition says a stakeholder is an individual or a group of individuals on which the organisation depends for its continuous survival. (A stake holder rationale for risk management 1st edition 2008 Gregor Gossy) Stakeholders of National Bank of Pakistan As NBP is a very big organisation so are its stakeholders. There is a long list of its stakeholders some important stakeholders are mentioned in the list below. Shareholders Employees Government Its Creditors Board of Directors Other Businesses SBP Unions Commercial banks Depositors Influence of Stakeholders The banks shareholders have a great impact on the decision making process of the bank as they participate in the voting for the selection of directors after the previous term is expired. They are involved in the top meetings with the general secretary of the bank. Board of directors influence the companys decision as they are the strategy formulators of the bank. The State Bank of Pakistan (SBP) is the central bank and so has a powerful authority on all banks serving in Pakistan. SBP keeps a check on all the operations of NBP. Clearly SBP has a sturdy control on the strategy of National Bank of Pakistan. The employees of NBP also have a great impact on the strategy of the bank. They influence by the efficiency and effectiveness of the service they are providing. For example if they are motivated and working hard it will help the bank achieving its vision in a superior way. So employees at NBP affect the profitability of the banks. Competitive analysis of NBP The companys competitive analysis begins by focusing the overall industry in which a firm competes before market segment or sector level issues are considered. For the competitive analysis of NBP I have chosen the famous porters five forces analysis. Porters FIVE FORCES MODE Competitive Rivalry It is very commanding force amongst the company and its competitors. A strategy followed by a company is successful to an extent it gives to its competitive advantage to its opponents. The strategy could be providing best service, or reducing the price against its competitors price as far as NBP is concerned it is charging very low fee on DDs, transfer by telegraphy, and by post transfer it is also giving many added facilities to the clients and to the country as it states it is a nations Bank Threat from new entrants When new businesses can simply come in the particular market the number of competitor increases and so is the competition. As far as banking is concerned this industry is previously very much located in Pakistan. There are many banks that provide high quality service at a very low fee. So there isnt any risk to National Bank of Pakistan from possible new entrance. NBP as well a community sector bank and there is no chance of being taken over by any new bank. Threat from substitutes The substitute threat is the 3rd factor that can affect the competitions. It means there could be some other services that can be an alternative of the product/ service of the company. In banking sector for example they offer saving schemes, but the general post offices in Pakistan are also providing this service so there is an alternative of the service. The banks should beat their offer of saving in order to take control of the market. Another example could be the Automated Teller Machines (ATMs) which are a substitute of presenting cheques at the cash counters in banks. ATM saves the time but NBP is lacking in this ground. It should look up in this field to compete its rival. Bargaining Power of Suppliers The strength of competition is affected by the bargaining influence of the suppliers particularly when you have a great number of contractors. If you are a bank your suppliers are your customers who supply you money. So as a bank you should offer them quality services, peace of mind, gain their trust at an affordable fee. B/C offer superior services to the customers. B/C charges less on transfer of funds. As a result there is a competition between B/Cs and banks. Bargaining Power of Consumers When clients are strong or in big numbers, or the buy in huge quantity, their purchase influence signifies a key force affecting strength of opposition. Keeping that fact in mind we see that banks have a large number of customers in Pakistan and banks are offering different products to their customers. NBP as well have a big number of clients. So it should offer superior services and good products to its clients to draw their attention to NBP. LEARNING OUTCOME 3 External environment Now we will discuss the external factors affecting the strategic plan of NBP. I have used the most commonly used tool for this purpose that is the PEST analysis. PEST ANALYSIS PEST analysis is a study of the huge outside environment of the company. It is helpful for realising the Political, Economical, Social Technological surroundings that accompany works in. This analysis can be used for measuring market development or slump, to check where you business lays in the market. (The business environment 6th edition 2009 IAN WORTHINGTON CHRIS BRITTON) THE PEST ANALYSIS OF NBP Political Impact of economic science striking and NCBs Denationalization strategy of the authorities and SBPs deregulating Work patterns, Unions and affiliations Governmental obstructions and torment Commotions of high tax on banking business Economical Restraints in mobilisation of civic investments due to inflation Staff pays and other costs Operating expense is higher due to manual dealing Rising of debts Social Cultural Unsatisfactory HR Ethnical strain to investments Going down educational and employment morals Poor liability Debtor lobby Satisfactory empowerment Technological Poor communication base Inadequate I.T services Insufficient I.T training Lack of information technology tools SWOT ANALYSIS The usage of SWOT analytic thinking lets businesses to make the most of their strengths, reduce their weak points, take benefits of their chances and conquer their disadvantages. It begins by defining the aims of the project or business actions and describes the inner and outer elements that are crucial to achieve those goals. Advantages and disadvantage are generally internal to the company, whereas opportunities and risks are typically external. (The SWOT Analysis: Using Your Strength to Overcome Weaknesses, Using Opportunities to Overcome Threats) Author: Lawrence G. Fine Publisher Booksurge Llc, 2009 SWOT ANALYSIS OF NBP STRENGTHS Oldest Organization National bank of Pakistan on of the matured banks operating in Pakistan and so has large number of customers which is strength of it. People trust and believe in the bank. Being an old organisation its an additional value for the bank. Rotation of Duties If for some reasons state bank of Pakistan is not in operations NBP works as an alternative of SBP. Being a government bank and working as an alternative of SBP is strength of the bank. More Deposits than Competitors NBP has the proportional capability in holding additional deposits as compared to other banks. This is due to the trust that clients have in NBP. Employee Benefits Reasonable financial remuneration is given to the employees on both EID events in form of cash bonuses. This provides an extra help and proficiency for NBP a cause of inspiration for the workers. Wide Network One more strength of NBP is its wide network all over the country. It has most number of branches than any other bank in most productive cities. Due to large network of branches NBP provides best quality service to its customers at their nearest branch. Professional Competence The bank has hired very professional graduates in different fields like banking, business administration, economics, finance etc these are highly skillful professional. Their professionalism enables the bank to realize and achieve the goals of the organisation in a superior way. Healthy Environment The working environment at NBP is extremely conductive and supporting for more sizeable output. The relaxing environment manipulates the performance of the workers in a supporting manner. WEAKNESSES Less Marketing Effort NBP do not support its industry stature its services in an aggressive manner. Therefore it lacks in selling efforts. Now a day every organisation is in need of aggressive marketing A need for aggressive marketing in there in the era marketing in now becoming a part of every organization. Political Pressure The strong political grip of some companies government and its authorities are impacting NBP negatively. The bank sometimes has to issue loan under agencies demands that leads to odd and accommodated feelings in its employees. Discrimination The seniors often influence in the promotion system of the bank by forcing their favoritism and their own willingness and decision. This behavior leads to denomination of the employees which leads to performance degradation and lack of confidence in the employees. A Few Financial Product If we consider the innovation and announcements of new schemes NBP is far behind from its competitors. NBP did not involve itself in the competition of offering customers new products, ideas and services. It is a major weakness of the bank. Bad Service at Busy Time Another weakness of the bank is its poor management in serving the customers in busy hours. It is been often noticed that people are topping out of the doors and windows and they are not happy because they are not been serviced timely and efficiently. Lack of Network Equipments Another weakness of the bank is the lack of computer networks that could have saved the time and energy of its employees. Moreover the I.T staff is not well trained they are old aged and dont have necessary know-how of computers. If proper tainting and network is provided bank can convert this weakness into its strength. Uneven Workload The pressure of work at NBP is more on some workers than others and it is unevenly distributed. Some employees escape from their job responsibilities while others bear work overload. This is not fair and leads to de-motivation among the employees who are working hard. OPPORTUNITIES E- Banking The advancement in communication sector has made this world a global village. Now technology is very important for any business specially banking now a day depends on efficient an effective service which is impossible without technology. National bank of Pakistan can make use of technology to perform better and have a competitive edge over its competitors. Micro Finance In todays word there is a need of finance on micro level NBP can avail this opportunity as its competitors are already arrived in this field. NBP should realize this opportunity as soon as possible in order to provide current demands. THREATS New Competitors The mergers of new banks, especially foreign banks are a threat for NBP. These banks are well prepared with exceptional and innovative technology and heavy finance. They know how to promote their product and how to perform well. NBP should take steps to compete with these foreign banks to tackle this threat. Political Pressure As the government is not stable in Pakistan different political parties are coming in power. They are affecting the banks overall performance by putting pressure for issuance of unfair loans. Politically dominant people are creating a sense of anxiety and discouragement in the customers and its employees. Downsizing The current policy of the bank is to cut the staff which is a threat to its employees as they are feeling insecure about their jobs. This is affecting their overall performance negatively. Customers Complaints The customers are everything for a business but there is no formal service to deal with customers complaints. This behaviour is annoying the customer and they are heading towards other foreign banks. This is a threat for the bank. Conclusions and Recommendations National Bank of Pakistan is one of the oldest and largest banks in Pakistan. This bank is in partnership with Government of Pakistan and has largest assets than any other commercial bank. This bank has a unique part in the economical growth as it works as the agent of State Bank of Pakistan. Following are some recommendations for NBP. National Bank of Pakistan can increase its operational productivity by using latest computer technology. Employees Training programs are not sufficient. Extensive training will surely increase the effectiveness and efficiency of the employees. Privatization can have a positive impact on NBP overall performance. Modern techniques for cost cutting should be adopted by the bank. There is a strong need to change the outlook and interior lay out of the branches.

Jamestown, 1607 :: essays research papers

It's 1607, Jamestown, and you are there.... Relive the adventure of 1607 when 104 Englishmen dropped anchor and began to build America's first permanent English colony in Jamestown, Virginia. Explore life at the dawn of the 17th century inside the palisade of a re-created colonial fort, discover the world of Pocahontas in the Powhatan Indian village, and experience the four-month passage to the New World on board re-creations of the three ships that brought the settlers to Virginia. Extensive indoor galleries tell the compelling stories of Jamestown, from its beginnings in England through its often turbulent first century, and of Virginia's Powhatan Indians. The dramatic film, Jamestown: The Beginning, chronicles the endurance of the first settlers as they struggled to build a lasting colony. James Fort Within the re-created fort, step back in time to the 17th century. Try on armor, watch a musket-firing demonstration, and discover how the colonists lived and worked. Powhatan Indian Village Learn about the culture of Pocahontas' people in this re-created village. Explore the Powhatan houses, called yehakins, climb into a dugout canoe and try your hand at grinding corn or weaving plant fibers into rope. Ships Aboard the Susan Constant, Godspeed or Discovery, get a sense of how the colonists may have felt as they crossed the Atlantic in the early 17th century. Try your hand at steering with a whipstaff or tiller. Examine the contents of a sailor's "see" chest on the pier, and participate in periodic demonstrations of cargo and sail handling. Galleries The museum galleries recount the history of the colony through exhibits of 16th- and 17th-century artifacts and illustrations. The English Gallery examines the conditions that led to American colonization. The Powhatan Indian Gallery explores the people who inhabited coastal Virginia when the Jamestown colonists arrived. The Jamestown Gallery traces the first century of the Virginia colony while Jamestown served as its capital.It's 1781, Yorktown, and you are there.... The drama of the American Revolution and the birth of a great nation come to life at Yorktown Victory Center. In provocative indoor galleries, witness the Revolution through the eyes of those who were there—from soldiers on the battlefields to women on the home front, from American Indians to African Americans. The evocative film, A Time of Revolution, places you in a Continental Army encampment where soldiers spend an evening reminiscing and musing on their lives and the war that has brought them together. Outdoors, experience the sights and sounds of the Revolutionary War in the re-created Continental Army encampment.

Lemon Law

Lemon Law The North Carolina Lemon Law is a consumer protection law enacted to provide recourse after having purchased a defective vehicle. The North Carolina Lemon Law is similar to lemon laws in other states, but there are some differences. North Carolina’s lemon law requires automobile manufacturers to repurchase or replace a vehicle that has not been properly repaired within a â€Å"reasonable number of attempts†. In North Carolina, this reasonable number is 4 attempts or if the car has been out of service waiting repair for a cumulative total of 20 or more business days during any 12-month period of the warranty.The North Carolina Lemon Law gives relief to those who either buy or lease a vehicle that has a gross weight of 10,000 pounds or less. It covers cars, trucks, motorcycles and most vans. It does not cover, however, house trailers. The North Carolina Lemon Law covers any kinds of defects that impair the value, use or safety of the vehicle to the consumer. The defects does not have to affect the drivability of the car but could be problems such as defective paint, heating system or excessive noise. It is very important to read the warranty book that came with the new or leased vehicle carefully.The warranty will tell you what is covered and for how long. When you buy or leased your vehicle, you probably will have to sign a lot of paperwork. It is important to read your copies of this paperwork very carefully to find out if the manufacturer wants you to waive your rights to a trial by jury in the case of problems and settle through arbitration instead. Arbitration is usually not in the best interest of the consumer in lemon law cases, so make sure you know what your rights are before you buy or lease.READ IT ALL!!! Once you have purchased or leased a new vehicle that needs to be taken in for repairs, it is important that you start keeping records at this point, in case they are needed later. When taking your vehicle in to an authorized de aler for repairs, keep a detailed list of what needs to be repaired for yourself along with the dealer. Get repair orders for your vehicle and make sure they state all repairs and how long your vehicle was in the shop including dates and mileage.The North Carolina Lemon Law requires the consumer to notify the manufacturer and finance company in writing of defects once a car has been out of service for 15 business days or has been sent in for repair for the same defect three times. This is extremely important. Without written notification to the manufacturer, you will not have a claim. Keep copies of all correspondence with the manufacturer and finance company. The best defense in a lemon law case is accurate facts and information in the form of records.

Suffer and Suffrage

Suffer and Suffrage Suffer and Suffrage Suffer and Suffrage By Maeve Maddox When I first encountered the words suffrage, suffragist, and suffragette, I imagined that they had something to do with suffering. After all, black men and black and white women had to suffer before they acquired the right to vote, didn’t they? Actually, the two words have different origins. Suffer descends from a Latin word that meant, â€Å"to endure,† or â€Å"to suffer† in the same sense that we use the word. Syrian refugees suffer tough conditions at Jordan refugee camp. Rhinos suffer at the hands of poachers. Women Suffer Most from [economic] Crisis. Suffer is used both transitively (with a direct object) and intransitively. For example, one suffers a heart attack, abuse, or neglect, but suffers from heart disease, diabetes, or other medical conditions. Subtle differences can exist between transitive and intransitive use. Compare: Indian schools suffer federal neglect. Indian schools suffer from federal neglect. The first sentence can be construed to mean only that the schools are being neglected or ignored. The second sentence suggests that the schools are experiencing negative results because of the neglect. The word suffer in the King James translation of Mark 10:14 seems to have more to do with suffrage than suffer: â€Å"Suffer the little children to come unto Me, and forbid them not, for of such is the Kingdom of God.† Jesus is telling his events’ organizers to allow the children to take part in the proceedings. The Latin source of the word suffrage meant, â€Å"a vote of support.† The first definition given for suffrage in the OED is â€Å"Prayers, especially intercessory prayers, intercessions.† By the 16th century, the word had the meaning of â€Å"a vote given in assent to the election of a person† and â€Å"in an extended sense, a vote for or against any controverted question or nomination.† Shakespeare used suffrages to mean â€Å"votes of approval† in Titus Andronicus (1594): People of Rome, and people’s Tribunes here, I ask your voices and your suffrages. –I.i.218. Edward Gibbon (The Decline and Fall of the Roman Empire, 1776) used suffrage to mean â€Å"the collective vote of a body of people.† The framers of Article V of the U.S. Constitution were apparently the first to use the word to mean â€Å"the right or privilege of voting as a member of a body, state, etc.†: no State, without its Consent, shall be deprived of its equal Suffrage in the Senate. The word suffragist initially had the non-gendered meaning of â€Å"an advocate of the extension of the political franchise.† After about 1885, the word came to be applied most frequently to advocates of voting rights for women. When the word was feminized into suffragette, British women embraced it, but in the United States, the term was viewed as disparaging. American women preferred suffragist or â€Å"suffrage worker.† Suffragette also came to have a connotation of radicalism and militancy in the United States. The suffix -ette comes from the French feminine diminutive suffix. In English it is ordinarily used to form nouns denoting small or brief examples of the thing denoted by the first element: diskette: small disk towelette: small towel kitchenette: small kitchen H.W. Fowler objected to the coinage suffragette because it tended â€Å"to vitiate the popular conception of the termination’s meaning.† He consigned the word to oblivion: â€Å"May its influence on word-making die with it!† I doubt he’d much care for our new word dudette. You can learn some fascinating facts about the history of universal suffrage at these two sites: Universal Suffrage U.S. Voting Rights. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Inquire vs EnquireWhat's a Male Mistress?Ulterior and Alterior

Essay of The Lesson

Essay of The Lesson Free Online Research Papers In Toni Cade Bambara’s 1972 short story â€Å"The Lesson,† two young, spirited girls from the blue collar district of New York embark on a field trip into a world as foreign to them as if divided by oceans while only a cab ride away. This journey challenges the girls to look not only at the economical but social diversity in our culture and the ways in which it shapes society. Sylvia was a young girl who felt comfortable in her surroundings. She was, in a sense, a bully. Her threatening personality is demonstrated in multiple areas throughout our story line such as, going to the Sunset and terrorizing the West Indian kids by taking their hair ribbons and money (651). She found fault in others as a way to compensate for a low self esteem. Her critical views toward Miss Moore for being black as hell and always planning boring ass trips (650), calling Flyboy a faggot, and giving nicknames such as Big Butt and Junebug. In her attempt to be a leader it becomes evident she is a follower. She was still competitive in spirit. It is obvious that Sylvia has grown up with limited resources as her astonishment is referenced in numerous areas. She says she needed the money more than the cab driver did. She also talks about the people on Fifth Avenue in stockings and a fur coat (651). Once they entered the store she was scared to touch anything. She compared the cost of the toys with the cost of a few months rent. She speaks of the â€Å"Handcrafted sailboat of fiberglass at one thousand one hundred ninety-five dollars.† She says â€Å"unbelievable† (652). Sylvia is blown away by the things she had witnessed that day. At the end of the trip Mrs. Moore finishes with another boring ass lecture and asks if anyone had learned anything. A few of them speak up including Sugar, but Sylvia steps on her feet trying to shut her up. Sugar pushes her off and again joins the conversation. Sylvia, being full of pride, walked away. While pride appears to be the culprit to the reader, the underlying issue is self doubt and fear. Creating a wall not visibly penetrated. It is not until she is truly challenged by her best friend that she finds the inner strength that will guide and direct her. She says â€Å"ain’t nobody gonna beat me at nothing† (655) Research Papers on Essay of "The Lesson"The Masque of the Red Death Room meaningsMind TravelAssess the importance of Nationalism 1815-1850 EuropeHip-Hop is ArtWhere Wild and West MeetPETSTEL analysis of IndiaThe Effects of Illegal Immigration19 Century Society: A Deeply Divided EraThe Hockey GameThe Project Managment Office System

The Strategic Environment Assignment Example | Topics and Well Written Essays - 750 words

The Strategic Environment - Assignment Example In this period, there has been an increased threat to U.S national security, more than ever before. There are several factors contributing to these threats such as increased development of weapons of mass destruction, more countries becoming a nuclear power, increased formation of a terrorist organization, rebellious groups taking refuge in other countries and operating against U.S interests etc. It can easily be seen that, during the 21 century, there has been an increased threat to a country’s security and national interests. The infamous 9/11 incident that shook the world and brought Al Qaeda on the big screen, the London bombings of 2005, the Mumbai attack in 2008 etc. All these infamous incidents show that every country is under extreme threat whether it is from terrorist organizations, infiltrates within the country or due to any other reason. It is very obvious that a country has to take steps and measures to protect its country and U.S being a global and nuclear power and a world dominant it is very natural to say that it has to safeguard its interests the most. It is safe to assume that the U.S would have the best strategic intelligence cycle in place, but it too is liable to mistakes, such as in 2003 when the strategic intelligence information confirmed that there were weapons of mass destruction in Iraq and therefore invaded Iraq; however, later they were proved wrong as there were no WMD(Johnson 2007). There have been several factors identified by the National Intelligence Security (NIS) which may cause harm to U.S National interests, however the most significant are: Violent Extremism: It has been identified by the NIS that violent extremist groups such as Al-Qaeda, Taliban etc will continue to pose a great threat to U.S security. It has been acknowledged that these people are not causing threat for the purpose of acquiring money or abduction but they are seriously out for what they call revenge and will take any possible steps to cause dish armony and violence in different regions. They have previously done that on several occasions and in different countries such as U.S, U.K etc which shows that they can reach such places even when there is tightest of security present. The steps identified by the U.S to counter them is to identify such terrorist groups and people, intercede and disrupt, cut off aid and supply of weapons of mass destruction and stop their operations. Enhance Cyber security: Enhancement of cyber security is a significant step that the U.S should take in order to reduce the threat of proliferation through cyber space. It has been identified that the architecture of U.S digital structure is not very secure (Johnson 2007). It was found out that there have been attempts to valuable information from the Pentagon through cyber space. Now, all the information is stored digitally, so there has been an increased attempt by these terrorist groups to explore future advancements of America’s intelligence or ganizations, so they may act accordingly. Through cyber space these terrorist organizations have attempted to change or steal information in order to undermine the nation’s confidence and attack the country (Johnson 2007). Increased use of Wifi etc has made internet vulnerable and terrorist could easily hack password of a normal user of Wifi and use it to steal

Strategic Management Assignment Example | Topics and Well Written Essays - 3000 words - 1

Strategic Management - Assignment Example 4.3 billion (Argos website, n.d.). In order to achieve this result the company has employed about 33,000 people across the business (Argos website, n.d.). While the company has not presented its mission as a separately identified statement, its strategic vision and mission could be derived from the information given on the website; it follows that: â€Å"we are extending our product range to help you make more responsible choices, conserve resources and save money† (Argos website, n.d.). Additionally, the company is concerned about the environmental issues and is striving to run the business in a sustainable way. Therefore, it is possible to say the main organization’s purpose is based on three key organizational values, which include not only supply of the customer with an extensive assortment but also conserving of the buyer’s resources and saving their money in sustainable way (Argos website, n.d.). While reviewing the official information presented at the Arg os’ and Home Retail Group’s website, it is possible to summarize the key strategic issues and objectives which the company faces. These include (Home Retail Group, n.d.). Leadership in multi-channel retailing The company’s strategy is based on the idea of becoming the market leader in multi-channel retailing and maintaining of this status (Home Retail Group, n.d.). In order to achieve these heights, Argos, being a part of the Home Retail Group is working under the development of highly successful mobile and internet channels to reach its customers and meet their demand (Home Retail Group, n.d.). In future, the company’s management is planning to introduce such developments as: mobile apps for the iPad and Android, and TV shopping channel apps (Home Retail Group, n.d.). However, an integral part of the Argos strategic model is continuous investment in its stores (Home Retail Group, n.d.). Differentiated and market leading formats The company strives to dif ferentiate its form from other retailers. In order to achieve this goal, Argo refreshes its brand and refurbishes its stores (Home Retail Group, n.d.). Product ranges and related services Expansion of the product range enables the company to grow its market share and to drive the leadership in its core markets (Home Retail Group, n.d.). Therefore, Argos is keen on the development of the ways of choice expansion. Delivering value to the customer As a part of its strategy, Argos is aimed at maintenance of highly competitive price position by comparing the price levels, organizing regular promotions to attract more consumers, and designed (and continues to work on) sourcing opportunities through direct sourcing and importing (Home Retail Group, n.d.). By introducing special lines, as â€Å"WOW† and â€Å"Argos Value†, Argos continues to deliver the best value to the customer. Leveraging scale and infrastructure Efficient cost base The Company seeks the opportunities of bo th cost reduction and business flexibility (Home Retail Group, n.d.). Financial strength Financial strength of the company is the vital characteristics which is necessary for the further growth and development of business. Thus, for example, the company plans to open about 20 stores during this financial year (Argos