...customer would consider SA Home Loans as preferred service provider of home loan: Perception Perception will basically relate to what potential customers see as valuable to them. This is how they look at and classify, a person, product or company. In terms of SA Home loan’s marketing strategy, the organisation has positioned itself in such a way that it is perceived as a life saver. When SA Home loans entered the market in 1999, the interest rates were very high, property owners wanted to save as much as they can. When the industry interest rates were as high as 23.5% SA Home loan offered a discounted interest rate of 19.6%. That brought into the mind of the consumers a perception that the organisation was not only looking at soliciting money from its coffers but also was helping to save on their bonds. Also the SA Home loan was the only lender that introduced a 20 year fixed rate option, it took the market by surprise when it announce that it will give clients the opportunity to fix their mortgage rates at around 12% for 20 years. Once again that creates a perception that the lender is more concerned about its customers as opposed to making more profits. Perception could eventually lead to either negative or positive attitudes of the consumer towards a service or the product. Attitudes As articulated in the previous section of this exercise perception could lead to the success or detriment of the organisation. In the SA Home loans case study, in the terms of brand...
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...CHAPTER I INTRODUCTION Background of the Study: Broken homes are experience by some of the students not only with those in poverty line families but same goes to middle and higher class families. Parents chose to live separately regardless how their children feel and its impact to their lives, however, there are still parents in spite of the situation still supports and care of their children in their studies, and others. It is worthy to note that majority of high school students in the country who got poor or failing grades in their academic subjects came from broken homes. Some of them as we saw were not just having poor academic performance but instead they let themselves be retained at their year level after dropping-out their respective subjects. It is timely to identify or to determine if students in high school who came from broken homes are greatly affected in their academic classes. To find out the answers of this query, the researcher aims to study “The Academic Performance of Students Coming from Broken Homes”. THE PROBLEM Statement of the Problem: This research study aimed to explore and determine the academic performance of high school students coming from broken homes. Likewise, it would found out whether students coming from broken homes affect their academic performance during the academic year 2010-2011. Specifically, this research sought to answer the following sub-problems: 1.) What is the profile of the respondents in terms of: ...
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... Memories that can consume someone’s life to a point of insanity. In many cases, these memories cause incurable pains. War scenes are said to be very graphic and can scar someone forever. Seeing people you know and love die is not an easy thing, especially coming back home after all the madness and noticing that what you once left behind is no longer the same as it once was. In the short story “Big Two-Hearted River,” author Ernest Hemingway writes about Nick Adam’s return home after the war. Nick’s behavior is very different from before and so is...
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...we first go into deep about expatriation, the major question to be asked is whether the family is also moving abroad or not, depending on the planned length of the assignment. In both cases several issues have to be faced. If the family is also moving, a hard task is to organize everything at home and at the host country, regarding housing, work permits, visa, school for kids, and so forth. When the company of the assignee supports the family as a whole, it can be a lot easier to get over some critical issues as for example housing or school for the kid. The situation for the family members can be helped, when an organization specialized on helping international assignees is considered. The very best advantage of this case is the family can stay together and is not separated for some years. When the wife and kids would stay at home, from my sight of view the relationship could be extremely negative affected. Let us just imagine the international assignment is for about five years and it is far away from the home country, where the possibility for visits is extremely restricted. I would say, the relationship would hardly survive that period of time. The advantage in this case for the assignee would be the re-entry to the home country. As we know things change within years and to have someone at home, especially family, someone can stay in contact with, who...
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...Tad O’Malley: The Investment Conundrum By David Birulin The Empire Investment Group was a top-tier buy-out firm within the private equity community. Tad O’Malley, a second-year student at the Harvard Business School, accepted a position at Empire Investment Group. Ted received a call from his boss, Townsend “Sandy” Beech, the head of his four-person deal team and founding member of the firm. Sandy requested Tad, on a Friday afternoon, to review three presentations for possible buyout targets. Tad was to make a presentation at the partners’ meeting on Monday morning, recommending only one (1) investment and detailing the strengths and weaknesses of all three. The Empire Investment Group had a strong “brand name” and historically sponsored very successful business partnerships. The company was strong in “structuring deals” and had just recently added an advisory services operation as a way to expand its services internationally and provide deal flow. By 2005, Empire’s buyout unit consisted of 25 seasoned partners with a range of backgrounds that encompassed financial, consulting, and operations experience. The objective of a “leveraged buy-out” is to find companies, either domestically or internationally (or both), where Empire can utilize borrowed funds or debt to finance its acquisition. Often times a leveraged buy-out does not involve much committed capital (maybe a 70% debt to 30% equity) that will achieve high returns for Empire. Basically, Empire buys...
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...Assignment 3 – M3 This group interaction involves care workers from Monica Court and I will be discussing the progress of the residents who are maintained within the care home, I will also be discussing the medication throughout the care home and the plan for the medication. I also spoke about whether or not the clients feel comfortable throughout the care home when discussing their personal needs. It will also be suggested on whether or not it will be necessary to have training days once a month to help to improve the professional standards throughout the care home itself. Dave was the manager and was running the group interaction and Nicola and Marie are the senior care workers. Everybody spoke formally to ensure that it was understood that what was being discussed was serious and improvements needed to be made. Context- In the group interaction the people were involved was Dave who is the manager and Nicola and Marie who are the senior carers throughout the home. They are going to be discussing how the care home can be improved and what parts of their professional careers will need to be put in, in order to ensure that the service users throughout the home are getting the best professional care of which is possible. Verbal listening and responding skills-Throughout this case study the language in which I used was effective and formal as I understand that this kind of language used in an interview can ensure that the other care workers in the interview understand that the...
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...with each other, as masculinity needs to prove itself over feminism. ∙ Visualization of social problems by the narrator: it’s quite interesting when the narrator that grew up with all these problems, and how can he distinguish them as he grows up. Being a witness of this since childhood it what makes this a cycle of path, making these problems “seem okay”. Plot Summary Note: Consider every chapter as its own short story narrated from the point of view of the speaker. Chapter 9: Titus Hoyt was a natural guide, a philosopher, and an active member of the local board. First man the main character knew in Port of Spain. The narrator met him one day when he got lost, coming back from the market to get to Miguel Street. This man helped him get home, and he said “Cheerio” after he left. He believed the main character was smart, and he told him to write a letter to the guardian, that was never posted. Titus loved teaching, and as soon as he learned something, he liked teaching...
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...the paper is to show how to develop and understand methodology of the research process when pertaining to manage health care. The process consists of retrieving a peer-reviewed article and applying the research methodology to the article selected. The article selected for the research methodology was Managing Aging Patients written by Robert D’Ambrosia, Jennifer Kilpatrick, and Lene Juel Rasmussen written June 2003. Based on the information in the article will help determine the methods of defining the problem, the purpose of the study, research questions, hypothesis, study variables, conceptual model, the review of related literature and the study design of the selected article. Define the Problem The problem in this scenario is the need to be able to manage and being equipped with the up and coming baby boomers. It has been predicted that 20% of the population in US will be aged 65 years by 2030 it was predicted few years ago because of up and coming baby boomers. We are all aware that the aging Baby Boomer population and with increased life expectancy and more active lifestyles, then in the past generation is beginning and will continue to place a huge demand on medical resources, predominantly from the orthopedic doctors. There will be a quadruple need of orthopedic surgeons than before because of high risk and demand of patients. A lot of baby boomers suffer from joint, ligament, and tendons. The risk of hip damage increase drastically with aging patients. Other issues are...
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...Problems and Goals Case Study Jessica Grimes BSHS 395 March 14, 2016 University of Phoenix Problems and Goals Case Study Case Alicia and Montford The case study of Alicia and Montford contained numerous problems that included living in a homeless shelter with their parents for the past six months which is coming to an end, poor performance in school, and lack of social skills and test scores. The homeless shelter seems to have a six month policy on how long families can stay, which seems to be an issue. The goal is to have the family relocated into another facility before the month is up and try to stay in the same school district. Alicia and Montford both have low performance in school, meaning they do not do their homework nor classwork and cannot read on grade level. A goal for this problem is to have both children reading at the appropriate grade level and show them the importance of school work. Another issue that seems to coincide with this problem is low test scores. Ultimately, once reading has been accomplished these scores will continue to rise. Montford is very combative and reluctant towards teachers and classmates, while Alicia is quiet and unresponsive. Both Alicia and Montford need to achieve higher social skills and the ability to communicate their feelings in a more positive manner. Services, Resources and Support Focusing on the children’s behavior, I would recommend some sort of therapy for the both of them. It seems they have underlying behavioral...
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...Zappos Case Study Amber Jennings May 05, 2016 OAD 31863: Principles of Marketing Ottawa University Zappos Case Study Who does not love shopping? Better yet who does not love shopping while sitting at home? Online shopping is a growing trend that has made shopping easy to do from the convenience of your home. Zappos is an online shoe and clothing shop based in Las Vegas, Nevada. It has grown tremendously over the past 17 years and leaves customers striving for more on a daily basis. The unique customer service emphasis offered by Zappos keeps customers coming back for more. Timeline of Zappos * 1999- Zappos was founded by Nick Swinmurn * 2004- Gross sales of Zappos doubles to more than $184 million * 2006- Nick Swinmurn leaves Zappos * 2007- Zappos expand its product categories to include eyewear, handbags, clothing, watches, and kid’s merchandise * 2008- Gross sales at Zappos hit $1 million * 2009- Sold to Amazon.com for $1.2 billion (Zappos, 2016) Market Offering Zappos is one of the few companies that offer free shipping, 365-day return policy, and 24/7 customer service. Zappos offers many different popular brands of shoes, clothing, and handbags. While Zappos is not always the cheapest retail store the service makes up for the price difference. The main target customer of Zappos would be an online shopper. Zappos strives for the best customer experience and do whatever they can for customers to get the best out their shopping experience...
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...Sparrow I must begin by saying how heartbroken I was on reading the suffering and mistreatment my people ordained back in the days of Slavery. Coming from a family that is mostly comprised of African descent individuals; it makes me sad and in utter repugnance. It's funny how life back then still influences the way my people think and approach their education, family, and general lifestyle. Slavery has definitely placed a scar on the mentality of not just the black community but of all races that have been a part of this. To me the black man went through the most because he was taken away from his land by fellow men or by the white man without having any say. The differences between the Africans and the Indians are that the Indians were brought here voluntarily; on the other hand the black man was violently brought here to be slaves. The “Black” man therefore was stripped of his family, pride, love ones and home. When one hears about slavery; the mind automatically thinks of the white man abusing the black man. There is so much more to slavery than just the inhumane acts that the African man was victim of. It was stages of torture that has the black man the way he is today. Slavery has definitely marked the black community when it comes to family life. Most children of African descended parents end up being a part of a single mother home. According to the article written by (Wilson, 2002, p.3) a census was done in Barbados which came back with a result stating that only thirty...
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...through a traumatic event in their life. Today, military people or people who struggled with challenges, such as injuries caused by the attack on September eleven, could have been experiencing the PTSD. Doctors, families, Psychologists, and scientists are very concerned about this disorder and are finding right ways to resolve this problem. Some scientific studies have been completed over the past few years. The studies were regarding the impacts of combat deployments and their relation to spouse abuse. Research in the article “Psychology of Violence” shows that numerous psychological and behavioral outcomes are related to post-traumatic stress disorder (PTSD). The most common symptoms were depression, alcohol intoxication, and spouse abuse. The September eleven, terrorist attack, serving in military, and being deployed into a war has a direct impact on soldiers and their families. The article gives us three studies that examined the effects of deployment on spouse abuse. The first study discovered that returning Army soldiers report abuse rates that lasted longer than six months (McCarroll et. al.,2000). The second and third study found no association between deployment and self-reported spouse abuse during a post deployment period neither wives nor soldiers reported it (McCarroll et.al., 2003). In this essay I would like to talk about Post-Traumatic Stress Disorder, and how we should fight against it. Litvinko 2 A very popular question is “Who could get PTSD and what causes...
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...Military Veterans From research studies, military veterans aren’t well compensated for their service in the military. Not only are they not well compensated, there were many combat soldiers coming home with anger issues, PTSD, depression, and other psychological problems. According to research, half of the homeless individuals are military veterans not just an opinion but it’s a proven fact. Veterans are often not honored, as they should be. Why aren’t they? Another question is why aren’t our veterans not well taken care of? No health insurance for veterans First, scientific studies show that working age veterans don’t have health insurance. According to Genevieve Kenney, a senior fellow with the Urban Institute and co-author of the report...
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...STRATEGY IKEA Case Study JWI 540, Assessment 1: Strategy Professor: Dr. D 7/21/2013 Muhammad Akmal Khan Key Issues: IKEA was founded by Ingvar Kampard in Sweden in 1943. From a humble local shop of basic household good, the company rose to its height. By 2002, the company was world’s largest retailer in furniture business. It had the sale volume of about $12 billion. Operating 154 stores in 22 countries, the company was serving 286 million customers a year. The company undoubtedly owed the epic success to the dynamic leadership of its founder. Kampard’s focus was to supply low priced goods to the customers, as against other outlets operating individually, but was fairly expensive. The people needed inexpensive items for home furnishing. Kampard saw the opportunity ideal to offer good design products at low price meeting the need of majority of the population. He met resistance from his competitors by one mode or the other but overcame it by wisely dealing it. The company owned small and independent manufacturers of furniture to buy the stuff. Such purchases were low cost thereby benefiting the company and customers. An outlet opened in Stockholm in 1965 was built on a very large area located in the outskirts of the city it had ample space for car parking. The customers liked it as they were in the habits of coming in their cards. The showroom was self serviced. The sale items boar explanatory tickets while on display. The catalogues containing the information about...
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...information to obtain and just trying to get into the rhythm of a new environment was not easy. I would say the most frustrating areas were incorporating the Identify, Differentiate, Determine and Predict (IDDP) process into the case studies, time management, and trying to comprehend that it’s okay not to know and understand the information presented to us. First of all, trying to incorporate IDDP into the case studies seems more foreign than the Japanese language. We were told that it’s something we do automatically, but now need to break it down and show how it’s done. After one week and three case studies, it’s still not easy to do. It seemed like more than one lesson fit, but as the instructor states, it’s important to pay attention to the small things as well such as when discussing Direction, Adaptation, and Communication (DAC) that it is from the leader rather than the audience. Secondly, my time management skills while attending the Academy have not been the greatest. I’m local to Joint Base San Antonio, so I’m trying to balance home and school, even though I can pass off some of my duties to my husband it’s still hard to let go of the other things. While he is out, I’m trying to tidy the house, or prepare the dinner. When my son and husband are home I don’t like the feeling that I neglect them. It’s difficult but I do know in order to pass, there are certain tasks I need to focus on and others I need to pass on for a couple of weeks. Lastly, I guess I came into the Academy...
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