...increase in technology. Their products have ranged from 60 GB color screen iPods to the lower gig shuffle without a screen. These Mp3 players were great in their time however; due to an increase in technology, Americans wanted a gadget that was an all in one. This is where the popularity of iPhones, Androids, and other smart phones saturated the market. Users no longer prefer to carry around a MP3 device when they have newer more technical savvy gadgets. For example, the smart phone has given its consumer base the ability to have the same MP3 capabilities, internet usage, games options and more in one device. There is no longer a need to have stand-alone devices for different uses. In order to acquire the same concept as Apple I will need to thoroughly study my competitors target market approach. For instance, Sony and Samsung actually never reached the level of success that Apple has with their iPods, one reason being is that they did not analyze their pricing data to determine what target market would work best for them. Instead, they choose the same segmentation as Apple. Statistics show that Apple and their iPods dominate the MP3 player market with a 70% selling advantage over other MP3 player manufacturers (Rollins, 2011). Consumer lifestyles MP3 PLAYER REASSESSMENT have been geared towards the technology age, consumers are wanting one item to do everything vs. multi items performing one task. Such devises that are increasing in demand, for example: mobile phones...
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...researcher. It shall also the components that so very important for your writing historical research of the Filipina materials in the memorial museum and the most extensive collection of documents and manuscripts in the Philippines. This writing of the Philippines of history these tools are necessary implements for historians to facilitate the already historical research in the writing in the Philippines. Answer: 2. The sum of factors in the presentation of national history among renowned Filipino historians in the rewriting of the history that presents. Philippine history of periods wrote about those come the archipelago in various bases from my research for the identify and direction as the nation. We have our national history unquestionable base in evidences of our evolution from the land, people and living realty but from my search this dynamic interaction with the other worlds and the realities and traditions. Answer: 2. Some factors in the presentation of national history among renowned Filipino historians in the...
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...and other organisms, or specifically in humans * Arachnology – the study of arachnids * Astrobiology – the study of evolution, distribution, and future of life in the universe—also known as exobiology, exopaleontology, and bioastronomy * Biochemistry – the study of the chemical reactions required for life to exist and function, usually a focus on the cellular level * Bioengineering – the study of biology through the means of engineering with an emphasis on applied knowledge and especially related to biotechnology * Biogeography – the study of the distribution of species spatially and temporally * Bioinformatics – the use of information technology for the study, collection, and storage of genomic and other biological data * Biomathematics (or Mathematical biology) – the quantitative or mathematical study of biological processes, with an emphasis on modeling * Biomechanics – often considered a branch of medicine, the study of the mechanics of living beings, with an emphasis on applied use through prosthetics or orthotics * Biomedical research – the study of the human body in health and disease * Biophysics – the study of biological processes through physics, by applying the theories and methods traditionally used in the physical sciences * Biotechnology – a new and sometimes controversial branch of biology that studies the manipulation of living matter, including genetic modification and synthetic biology * Building biology – the study...
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...Spanish for the Future Specific Purpose Statement: To persuade my classmates to further their knowledge of the Spanish Language and Culture by enrolling in their first Spanish class or another one. Central Idea: To make my classmates realize all the benefits of enrolling in Spanish classes. INTRODUCTION 1. Gain the attention and interest of the listener/s: (“Attention” of Monroe’s Sequence) When I was in seventh grade, I enrolled in my first Spanish class. All I thought was, “Wow this class is a pain in my butt, it is so hard, and what is the point?” After nine years of studying this language and culture, my feelings have not changed, but I have discovered “the point” of learning Spanish. 2. Reveal the topic: I understand the negative feelings that you may feel about taking a Spanish class, but being a college student is all about pushing your limits, reaching your greatest potential, and...
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...elsevier.com/locate/knosys Bankruptcy prediction models based on multinorm analysis: An alternative to accounting ratios Javier de Andrés ⇑, Manuel Landajo, Pedro Lorca University of Oviedo, Spain a r t i c l e i n f o a b s t r a c t In this paper we address the bankruptcy prediction problem and outline a procedure to improve the performance of standard classifiers. Our proposal replaces traditional indicators (accounting ratios) with the output of a so-called multinorm analysis. The deviations of each firm from a battery of industry norms (computed by nonparametric quantile regression) are used as input variables for the classifiers. The approach is applied to predict bankruptcy of firms, and tested on a representative data set of Spanish firms. Results indicate that the approach may provide significant improvements in predictive accuracy, both in linear and nonlinear classifiers. Ó 2011 Elsevier B.V. All rights reserved. Article history: Received 9 February 2011 Received in revised form 2 October 2011 Accepted 3 November 2011 Available online 30 December 2011 Keywords: Bankruptcy prediction Classification techniques Nonparametric methods Quantile regression Accounting ratios 1. Introduction Under the current economic conditions, bankruptcy early warning systems have become tools of key importance in order to guarantee the stability of the economy, as a consequence of their potential to avoid losses to stockholders, creditors, managers and other interested parties...
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...The importance of Integrated Marketing Communications during financial crises in the Republic of Macedonia Author: Ass. Prof. Ilijana Petrovska, Ph.D. University American College Skopje Address: Ul. 3 Makedonska Brigada bb, 1000 Skopje, Macedonia Tel / fax: +389 2 2463156 Mobile +389 78 383 112 e-mail: petrovska@uacs.edu.mk Co-author: Prof. Nada Sekulovska, Ph.D. University “Ss Cyril and Methodius”, Fakulty of Economics, Skopje Address: Bul. Krste Misirkov b.b., 1000 Skopje, Macedonia tel. 00389 2 3286 849 e-mail: nadas@eccf.ukim.edu.mk The importance of Integrated Marketing Communications during financial crises in the Republic of Macedonia Abstract The purpose of this paper is to implement a research regarding the marketing communications of the financial institutions during the last financial crises in the Republic of Macedonia. The last world financial crises had a big negative impact on the world economy, especially in the financial industry. However, the Republic of Macedonia didn’t suffered big financial implications in the financial industry, mainly because the investments in this sector are still underdeveloped and also the current financial actors are not active in the world financial markets. However the financial institutions’ marketing communications is showing changes in the world and in Macedonia, too. With the monitoring of the world banks’ marketing communications, the main conclusion is the change in the communications...
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...both. It operates in 25 countries and its customer base exceeds 264 million globally. Telefónica’s growth strategy is focused on the markets in which it has a strong foothold: Spain, Europe and Latin America. The Group stands in third position in the sector Telco worldwide in terms of market capitalisation the 1st as an European integrated operator and also the third in the Eurostoxx 50 ranking, composed of the major companies in Europe (December 31th 2009). Telefónica is a 100% private company. It has more than 1.5 million direct shareholders. Its capital traded on the continuous market on the Spanish Stock Exchanges (Madrid, Barcelona, Bilbao and Valencia) and on those of London, Tokyo, New York, Lima, Buenos Aires and São Paulo. Telefónica has one of the most international profiles in the sector with more than 60% of its business outside its home market and a reference point in the Spanish and Portuguese speaking market. In Spain, the Group has over 80 years experience since its constitution in 1924, providing services to more than 46.7 million customers at December 2009. In Latin America, Telefónica gives service to more than 168.5 million customers as of the end of December 2009 becoming the leader operator in Brazil, Argentina, Chile and Peru and has substantial operations in Colombia, Ecuador, El Salvador, Guatemala, Mexico, Morocco, Nicaragua, Panama, Puerto Rico, Uruguay and Venezuela. In Europe, on top of the Spanish...
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...forgotten [Name of the Writer] [Name of the Institution] Right to be forgotten Introduction The European “right to be forgotten” is the most vital right you've never known about. It's not a right to be cleansed from the memory of individuals who know you, yet rather to control how data about you seems online. On Tuesday, the European Court of Justice clarified what this implies. The court held that Google damaged a Spanish lawyer's right to be forgotten by declining to kill connections to humiliating articles about him in its indexed lists. The conclusion was discredited by press flexibility advocates all over. Actually, its flawlessly sensible. Also it demonstrates that, as opposed to generalization, America is inflexibly ideological about free discourse, while Europe is down to earth and adaptable. Discussion In 1998, the Spanish daily paper La Vanguardia distributed two notices about a closeout of the property of a Spanish lawyer named Mario Costeja, held to pay off his obligations. More than after 10 years, any individual who Googled Costeja would see, in the indexed lists, connections to those notices on the daily paper's site. Costeja asked the Spanish Data Protection Agency, which directs the scattering of individual information, to request La Vanguardia to bring the notices down and to request Google to expel connections to the pages from the query items for Costeja. The office denied the first demand because the daily paper had distributed the notices...
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...knows what is Google’s true potential. Who knows what privacy issues will occur in future. Even with Google’s mission statement “To organize the world’s information and make it universally accessible and useful” pretty much says in itself that Google doesn’t care about anyone’s privacy. Google’s mantra “Don’t be evil” is its reassurance that the information obtained by Google will not be used in a bad sense, but what is evil in Google’s eye. Didn’t you ever wonder how Google can supply free tools online such as g-mail and its toolbar? The answer is easy, Google provides these tools for free because there is an unrecognized agreement by many when you sign up for the usage of these tools and it is that Google can scan anything too collect data. For example, in your g-mail, Google scans all emails in g-mail that are being sent and received. Let alone whatever Google scans, they store. So that private love affair that you think is so private on that g-mail account, think again, because Google knows. So why does it matter that Google scans all of this information, what makes it so bad. Well going back to Google’s partnership with our government. Google can supply our government with so much more information then is imaginable. Some see this as a positive thing, that now we can catch undercover spies or terrorists who use electronics to communicate. Grant it that is great, but is it worth everyone’s privacy. With the information obtained by Google, the government can know what everyone...
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...Human Resource Management 1. If you were on the bank’s HR Committee, what would you do regarding raises for the tellers? I think first of all the State Bank should not base their wages off of a wage survey conducted by a competitor. Utilizing a third party to conduct a wage survey before making such a decision would be a much better option. I also think that lowering the raises that the teller will receive, as they have not been told how much their raises would be. Therefore reducing raises does not seem like it would have an impact on the employee satisfaction or their productivity. 2. How much faith should the HR Committee place in the accuracy of the wage survey? “Obtaining a wage or salary survey requires a small or large business to hire an outside company to compile the data or collect the information using individual employees and businesses from across the particular industry. This data is necessary for a business to create competitive salary packages and to comply with state and federal regulations regarding prevailing wages”. Lister., J There are some things that I think should be considered in regards to a wage survey. What other information is missing? Do the other banks have Spanish speaking individuals? Are the tellers the only ones that speak Spanish or are the loan officers also bilingual? People that are bilingual are often paid more than their counter parts that only speak one language. It is also lacking other measures such as...
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...to identify. There is a broad range of variability in this ethnic group as well as some cultural, language and religious differences as well as a few different subgroups. Identity The United States Census Bureau is the sole provider of all of the statistical data about our nations’ population and economy. Census information is gathered and reported every 10 years. Census reports first implemented that Latino/Hispanic could be identifying factors on our census report around the 1990 census data collection, which held the most comprehensive data. In previous years, Latin Americans were able to identify with by listing any of the subgroup they belonged to. In previous years, beginning in 1930, the census attempted to identify “Mexicans”, then later in 1970, where there was a nationwide category and then 1980 added the more effective category that really won over society in 1990. Most Latinos and Hispanics have no easy task in explaining their identity. Whether you are a Latino or a Hispanic is largely in part based upon where your family originated from. Although they agree that they share similar cultural views, language and a tad bit of history, it is just not the same. Hispanics are generally defined by Spanish speaking countries only, like Spain or those located in Latin America. While Latinos are much diversified, they include people mainly from Latin America. Subgroups Hispanic and Latino groups are so confusing...
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...the few sports teams with international appeal to a very broad fan base. This case delves into how Real Madrid transitioned from a good soccer team with a winning history into the global sports juggernaut we know today. We first examined Real Madrid’s revenue streams and found that from their inception through the 1970s their business model was based almost entirely on their ticket sales. After the 1970s up until 2003 they had some media rights, a small merchandising department, and some other negligible streams of income. It was in 2003 that team President Florintino Perez decided to make Real Madrid into a special type of sports team that was akin to large global corporations like Walt Disney. After reviewing the facts we agree with the decision to shift the business model into its current position (as of 2003). After identifying and examining the lifetime values of different consumer groups which are listed below under the “Question 2” headline, we have found that each group has different desires in order to be completely satisfied. However, each group has a common denominator that will maximize utility across all segments and that is winning. A winning team sells more merchandise, can demand higher advertising revenues, and can attract the best players for less money which also leads to winning more often. We also quantified two types of consumers, the Socios and international fans. Using the data provided we found that the LTV of one individual “Socio” is about...
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...Final Project: Marketing Plan University of Phoenix MKT 230 Jose A Torres Sunday, August 19, 2012 In my marketing plan, I will combine a few different services but concentrate on two to three services but the concept of the company being promoted is a different kind of customer Service Company. The company would offer photo/video services, paralegal services for attorneys, notarizing signing agents, consumer bankruptcy petition preparation, and a joint venture with bankruptcy attorney Sean Fleming to provide a complete debt elimination credit-rebuilding program. That is why I am calling the company "The Torres Networking Group" or TNG, LLC because it will be more of a consulting company with these services. This is a real world example; it is a company that I am launching, and by the beginning of 2013 when I receive my small business, funding the company should have a fully functional interactive website and a retail location in Elgin, Illinois (Welcome to the Illinois Hispanic Chamber of Commerce, 2011). My marketing plan is not just a project and an exercise it is a personal dream of mine that I have wanted to realize since 2006. Based on the research I have performed and the analysis I have decided to provide these services in the first marketplace such as Kane County in Elgin, Illinois. This would be a retail location with a photo and video studio included for consumers. At this location, we would offer services...
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... Mohamed Gamal El Dousky Objective | * * Seeking a challenging position where I can utilize and develop my skills and experience background | Personal Information | * * Date of birth: 13thOctober 1985 * Military status: Postponed * Marital status: Single * Nationality: Egyptian * Religion: Muslim | Education | Faculty of Law, Zagazig University. Major Course of Study: (Law ) “2006” Degree: Good | Languages | Arabic (Mother Tongue) English (Spoken & Written) | Experience & References | * MOVEIN for Interiors, Finishing & Contracting * Position: HR Specialist * Sol Melia' Pharaoh (367 Rooms) Hotel 5* “International Chain. Spanish” based at Hurghada , Red Sea Position: Human Resources Specialist From: 01/11/2006 To:31/12/2007 | Computer qualifications | * Microsoft (Word and Excel under Windows,2000.2003.2007&XP –Power Point –Access-Outlook) * Comsys (Payroll)+ Matrix (Payroll)+( H.R. Solution) * Internet Use * | Training | * Training Housekeeping Skills. * One (Health & Safety protections course) * Quality trainer For Human Resources Division * G.U.E.S.T. Training Program the Sonesta Pharaoh Beach Resort * Off-Job Training Receptionist & Reservation (03 Months) Training. | Private Courses | * Intermediate English Course (Cambridge College) * Interpersonal Skills Level1 ( 7 Challenges...
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...first faced with the question of whether we are global or international. Obviously the goal for the bicycle company is to be global since we would expand our company in having a physical site overseas. In order to have a physical presence in other countries we may have to buy out a local, favored brand name. So we have to keep that in mind for the future of our business. Base of the Pyramid In order to sell a more expensive product, such as a bicycle, we need to make sure we aren't selling to a civilization that's on the base of the pyramid (earning $2000 or less per year). We would like to sell in an area where market participants earn in the second to top tier ranges in the pyramid. According to Trade Economics (2015), the per capita GDP's for our countries sit at: Japan- $37,595.18, Costa Rica- $5,962.38, and Pakistan- $818.87. Out of the three, the best country to go sell to is Japan if we are solely basing this on affordability. Costa Rica is in the second tier as preferred, but cutting it close to the base of the pyramid. Pakistan may not necessarily be able to afford our product as they sit at the base. Political Systems Japan is a constitutional monarchy which allows one branch of command to limit and balance the power of the monarch. Costa Rica is a democracy which is just like the United States. Pakistan is under a federal republic which is just a federation of states under democratic rule with sovereign citizens. As for Costa Rica and Pakistan, it may be easier...
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