...| |Your Guide for Travel and Hotels in Columbia | |When you hear the word vacation, what do you see in your mind? Vacations mean assorted things to assorted individuals. Some like to sight see while many others would | |enjoy nothing more than to spend the whole trip kicking back at the hotel pool. If you happen to be like me, you enjoy some of both options. On the one hand, because I| |have journeyed someplace different, I ought to visit some interesting local fare. But then again, if I use up all my time darting around from site to site, when I come| |home I will want another vacation to recuperate. To get the most from your vacation time, keep the following in mind when travelling to Columbia. | | | |The first thing you ought to do is resolve as much at the start as you can. That means things like interchanging currency when necessary, glancing at maps of the area,| |renting a means of transportation (did someone say Harley?), booking a flight, and selecting a hotel that fulfills your needs. The good news is, all of these jobs have| |become much easier and cheaper through the internet, so before contacting a travel agent, you could save some money by looking up...
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...FOREIGN TRAVEL INSURANCE BACHELOR OF COMMERCE BANKING & INSURANCE SEMESTER 6 ACADEMIC YEAR 2010-2011 DECLARATION The information submitted is true and original to the best of my knowledge. ACKNOWLEDGEMENT I would like to thank Professor Adarsh Suri and Professor Neha Shah who havesupported immensely in the successful completion of this project. Foreign Travel Insurance INDEX 1. | What is Insurance? | 2. | Principles of Insurance | 3. | Need of Insurance | 4. | Types of Insurance | 5. | Benefits of taking Insurance | 6. | What is Globalization? | 7. | What is TRAVEL INSURANCE? | 8. | Types of Travel Insurance | 9. | Types of Travel | 10. | What is Foreign Travel Insurance? | 11. | Objectives of Foreign Travel Insurance | 12. | Guidance to Foreign Travel Insurance | 13. | Foreign Travel Insurance Coverage | 14. | Student Travel Insurance | 15. | Over 65 Travel Insurance | 16. | Foreign Travel Insurance in News | 17. | Foreign Travel Insurance W.R.T ICICI Lombard | 18. | Conclusion | 19. | Questionnaire & Analysis | Summary Provides information on the benefits of foreign travel insurance and what is generally included. Falling ill or experiencing an accident while travelling abroad requires foreign treatment, and, with medical expenses increasing worldwide, this can lead to costs much more difficult to cover than the actual holiday. Medical expenses increase immensely if there’s need for repatriation....
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...building interpersonal relationships. Travel may be local, regional, national (domestic) or international. In some countries, non-local internal travel may require an internal passport, while international travel typically requires a passport and visa. A trip may also be part of a round trip, which is a particular type of travel whereby a person moves from their usual residence to one or several locations and returns. Travel safety See also: Air safety and Automobile safety Travelers in a China Southern Airlines airplane. Air travel is a common means of transport. It's important to take precautions to ensure travel safety.[7] When traveling abroad, the odds favor a safe and incident-free trip, however, travelers can be subject to difficulties, crime and violence.[8] Some safety considerations include being aware of one's surroundings,[7] avoiding being the target of a crime,[7] leaving copies of one's passport and itinerary information with trusted people,[7] obtaining medical insurance valid in the country being visited[7] and registering with one's national embassy when arriving in a foreign country.[7] Many countries do not recognize drivers' licenses from...
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...ASSIGNMENT 1: MANGAGEMENT INFORMATION SYSTEM CASE STUDY 201311034009 宋蕊廷 2013 级金融班 宋蕊廷 201311034009 ASSIGNMENT 1: MANGAGEMENT INFORMATION SYSTEM Management Information System Assignment 1 (Case Study) 2013 Finance, School of Business 宋蕊廷 201311034009 Modernization of NTUC Income 1. What were the problems faced by Income in this case? How were the problems resolved by the new digital system? Problems: (1) The old HP 3000 mainframe frequently broke down, and backup or reconciliation would be needed. However, If daily backup was not completed, the affected day’s data would be lost and cost months to do reconciliation. (2) The 1980s COBOL programs broke multiple times, halted the systems and caused temporary interruptions, and it took IT team long time(from several weeks to months) to launch new products. (3) Transaction processing for policy underwriting was a batch process and information was not available to agents and advisors in real-time. (4) Various departments did not have up-to-date information and had to pass physical documents among each other. How were the problems resolved: Income switched to the Java base eBao LifeSystem from eBao Technology. The new system seldom broke down, and it enabled the IT team to launch a new product only in a few days by using the table-driven rule-based product-definition module; plus, the real-time hot backup disaster-recovery 1/9 宋蕊廷 201311034009 ASSIGNMENT 1: MANGAGEMENT INFORMATION SYSTEM center helped the company get real-time...
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...Associate Level Material Appendix E Insurance Matrix |Type of Insurance |Functions |Example of Company |Coverage Characteristics | |Auto |Protects you from damages and financial expenses due |Progressive, Country Wide, Geico, Nationwide, Liberty |Auto insurance provides financial protection in the | | |to a motor vehicle accident. |Mutual, Travelers, Allstate |event of an auto collision. It covers physical damage,| | | | |vehicle damage and any liability than can arise | | | | |therefrom. | | | | |Auto insurance companies review your driving record, | | | | |how much you drive, where you live, who the insurer | | | ...
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...LEGAL BRIEF DATE: 1st July, 2012 TO: Mr. Orendorff FROM: Jinlin Dai RE: chapter 9, #5, pg.243 Relevant Facts: You want to lease your automobile to a friend for the summer but do not want to pay a lawyer to draw up the lease. Joanna, a neighbor, is in law school. She is not licensed to practice law. She offers to draft a lease for you for $100, and you unwisely accept. Later, you refuse to pay her fee and she sues to collect. Problem or Issue: Who will win the lawsuits, and why? Apart from the law, was it morally right for the law student to try to help out by drafting the lease, and why? Was she acting helpfully, or foolishly, or fraudulently? Is it just for you to agree to her fee and then refuse to pay it? What is society’s interest in this dispute? Should a court be more concerned with the ethical issue raised by the conduct of the two parties or with the social consequences of this agreement? Answer or Resolution: I will win the lawsuit. Joanna and I have no contract of leasing. It is right on morally to try to help me out by drafting the lease. She has no license of a lawyer, so she acts foolishly. It is not just for me to agree to her fee and then refuse to pay it. The society interest in the law school student whether or not can draft a lease. The court should be more concerned with the ethical issue raised by the conduct of the two parties. Analysis: A car sale contract passes ownership of the car from seller to buyer. The contract can be drafted...
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...strike for its mileage, spreads standards and security record. Vehicle fuel adequacy over the US is presently at its most diminished level since 1980. In any case, California delegate Gray Davis stamped institution obliging the California Air Resources Board to make regulations to reduce nursery gas radiations from explorer vehicles. This consolidates Suvs. California speaks to 13 percent of the nation's auto promote, so makers of cars, Suvs and trucks are sure to comply with the state's announcement, in case they can't get it pacified or toppled. This could have immense money related impact on most of the United States. INTRODUCTION Most SUV holders accept that they are more secure in a SUV than in an auto. As indicated by the National Highway Traffic Administration, drivers of Suvs were 11% more prone to bite the dust in a mishap than individuals in autos. SUV drivers are additionally more inclined to be tipsy. What's more SUV drivers are less inclined to wear their seatbelts. "Suvs haven't generally been the best decision for well-being, regardless they have a higher danger of rollover than autos, yet our study demonstrates that Suvs are getting to be more secure," said Anne Mccartt, senior VP for examination of the Insurance Institute for Highway Safety. At the point when looking at the passing rates in traveler vehicles with Suvs, autos are still more secure than Suvs. New innovation and overhaul is serving to ease the losses of life. The passing rate has gone down...
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...ANSWER 1: Characterization of the U.S. Hotel Industry It is stated that the hotel industry in the U.S. had a $113.7 billion revenue and $16.7 billion gross profit by the end of 2004. There are many hotels in the U.S. and 2/3 of them are franchised under a brand to be used to the guests in the hotel rooms while 1/3 of the hotels prefer to handle their own brand or non-branded product. Because of this, it cannot be pointed that there is only one supplier for the hotels. If one needs to focus on the competition between the hotels, price, amenities and service are the main areas that are considered by the consumers. Usually, the high price brings the higher quality of services and amenities. It can be stated that full-service hotels which account for 1.6 billion hotel rooms by 2005, are the most expensive hotels because of the restaurants, meeting facilities, room service etc. in their properties. Hence, hotels in the U.S are segmented as below; 1. Luxury Hotels (Four Seasons etc.) 2. Upper Upscale Hotels (Hilton etc.) 3. Midscale Hotels (Radisson etc.) 4. Midscale Hotels with Limited Service (Hampton Inn etc.) 5. Economy Hotels (Motel 6 etc.) The hotels in the first 3 segments are considered as “Food and Beverage Hotels” which are full-service hotels and have the facilities for food or drink supply. The hotels in the last 2 segments account for 1.4 billion hotel rooms in the U.S. and focus on renting the hotel rooms rather than quality of the service or amenities...
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...Section 1 – Executive Summery I am planning on purchasing the Great Outdoors Experience Hotel located on 1529 US 9, Schroon Lake, NY 12870. It is already an established lodging facility built in 1887. It has been renovated multiple times by prior ownership and will need only minor repair (see plan). I would like to provide a homey vacation atmosphere for the outdoor enthusiasts enjoying all seasons in the Adirondacks. The State of NY has awarded the Pharaoh region almost 10 percent of development dollars, which will roughly be around $7.1 million dollars. It was stated and recognized that this area is well known and frequently visited by travelers due to its many diverse hiking trails, pond and lake clusters, and skiing slopes. The Pharaoh region already has multiple chain hotels and a handful of small Inn’s, I want to offer a unique combination of hotel and Bed and Breakfast feel. With the hotels 50 accommodating rooms, convention room and private pub, I will be able to turn it into a successful Inn. Shopping and hospitals are located about 15-20 miles from the property for those who enjoy a shopping experience or for those who might be in need of medical assistance. I will offer and serve breakfast which will be complimentary and dinner at extra charges. Kayak and ski rentals will be available upon request as well as a local trained and certified hiking guide for those guests who are not familiar or comfortable venturing...
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...Introduction to Case………………………………………………………………………10 The Industry Context: Global Financial Services and the Retail Consumer……………...12 Organization, E-Citi and Citi’s Global Consumer Strategy Product Market Segmentation, Cross-selling and International Leverage…………....24 Mobile Phone Basis Citi’s Future Global Retail Banking Strategy…………………..30 Products, Service Support and IT Selection Strategies……………………………….34 6 7 8 Japan, A Microcosm – Synergies, Affiliations and Reach ……………………………….36 Trust Bank, Complementary Services, and Interactive Strategic Benefits……………….55 Summary - Owning the Future of International Retail Banking……………………….…57 Appendix I - Summary Answers to Questions for Citigroup - IRB Strategy & Operations….65 Appendix II - Some Firm and Market Data Tables 1-6…………………………………………………………………………......73 Highlights from Citi’s Assessment of Global Consumer Business 1999 and 1998…..83 Bibliography and References………………………………………………………………….89 Introduction: Objectives of this Benchmarking Study This international retail banking study for Citigroup (CG)1 was completed under a three-year research grant from the Sloan Foundation. The project’s overall purpose has been to examine in a series of case studies how U.S. and Japanese firms who are recognized leaders in using information technology (IT)2 to achieve long-term sustainable advantage have organized and managed this process. While each case is complete in itself, each is part of this larger study.3 This case for a large international...
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...Five Competitive Forces Analysis in the Insurance Industry RichardSmith Managerial Economics December 6, 2013 Industry Insurance is something that is needed by everyone today. It is used by individuals, business, corporations, etc. to help mitigate or minimize their financial risk. Various types of insurance exist today, from home, health, life, auto, travelers, indemnity, boat, renters, and even pet. Competition between insurance carriers is very stiff. In fact, in the United Kingdom (UK), the competition is so stringent, they have created a Competition Commission (CC), which is designed to ensure healthy competition between insurance companies in the UK for the ultimate benefit of the consumers and the economy ("Competition Commission GOV.UK."01). Many insurance companies have gotten caught up in having an unbalanced pool of insurers because they were not prepared and did not do their homework. The have to be very careful in their underwriting process to ensure they insure the most desirable individuals. Many insurance companies have learned quickly the value in the knowledge and power of information obtained from doing research and the huge financial risk associated with getting stuck with a poor unbalanced pool of insured. Therefore, many insurance companies today are utilizing various tools and setting themselves apart from the competition via the competitive forces in an effort to avoid the financial repercussions associated with not being prepared. That way...
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...Travel Poster Betty Kapasa Nur/408 Professor: Jacqueline Paik June 8, 2011 University of Phoenix This writer’s country of choice is Zambia located in the southern part of Africa. Zambia’s history goes back to the debut of Homo sapiens: evidence of human habitation going back 100,000 years has been found at Kabwe, north of Lusaka. Beginning around 1000 AD, Swahili-Arab slave-traders gradually penetrated the region from their city-states on the eastern coast of Africa. Between the 14th and 16th centuries a Bantu-speaking group known as the Maravi migrated from present-day Congo (Zaïre) and established kingdoms in eastern and southeastern Zambia. In the 18th century, Portuguese explorers following the routes of Swahili-Arab slavers from the coast into the interior became the first known European visitors. After the Zulu nation to the south began scattering its neighbors, victims of the Difaqane (forced migration) began arriving in Zambia in the early 19th century. Squeezed out of Zimbabwe, the Makalolo people moved into southern Zambia, pushing the Tonga out of the way and grabbing Lozi territory on the upper Zambezi River. Zambia is a land locked country with a population 12,935,368. Kenneth Kaunda, a militant former schoolteacher, took over the leadership of the Africans from the more moderate Nkumbula and in 1959 formed a new party, the United National Independence Party (UNIP). Following a massive civil disobedience campaign in 1962, Africans were given...
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...Marriott 3 History of Marriott Innovation 4-10 Current Marriott Vision 11 New Vision 12 Current SWOT Analysis 13 Plan Of Action 14-15 Disciplines 15 Country Risk Analysis 16-21 Contingency Plans 21-22 Measurements of Success 23-24 Conclusion 25 References 26 Marriott’s Best Known Philosophy Marriott International has been known not only its brands but also its “Spirit of Serve” and a core value shared by 132,000 Marriott associates worldwide. Marriott has been considered as the Best Company to Work for by CNN Money & Fortune. The question is what makes Marriott so great? “When business slowed last year and some associates couldn’t get enough hours to qualify for insurance, leaders changed the policy.” (CNN Money, 2011) Getting deeper into Marriott Company background, all the information below will be credited to Marriott Company Profile and Reference for Business websites. History of Marriott International, Inc Marriott International, Inc.--formed in 1993 when Marriott Corporation split into two separate companies--is the world's leading lodging and contract services company. Marriott International has two operating groups: Marriott Lodging, which generates about 60 percent of company revenue, and the Marriott Service Group, its contract services operation. Marriott Lodging manages or franchises more than 1,350 lodging properties under 10 hotel brands worldwide. It also operates more than 30 timeshare...
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...Case Study – Dogfight over Europe: Ryanair Business Landscape Item | Description | Impact | Government Intervention | Market Deregulation: * Free to set fares * European airlines to fly any route between EU countries * Any intra-country route between two European cities | Open for new competition | | European Union eliminated duty free sales on intra-EU flights | Has to pay duties | Ryanair Challenges & Strategy Description | Cashflow problem, Funded by Ryan Family | Strategy | Low cost carriersCost side: * Cut loss-making routes * Eliminate in-flight amenities (such as: free coffee and snacks) * Renegotiate labor contract (e.g: flight attendants pay is a function of duty-free sales and the number of flights they flew, “Luv” – pay based on productivity) * Stop distribution of meal vouchers to travelers whose flights delayed by bad weather * Stop using “air bridges” that linked parked planes to airport terminals * Reduce travel agents commission from 9% to 7.5% * Serve at secondary airports * Use other parties to handle ground operations * Not allow check baggage throughRevenue side: * Ticket, in-flight sales, car rentals, charter sales * In-flight duty-free sales, beverage, and snacks * Lease space behind seat-back trays and headrest to advertisers, exterior of plane with a corporate logi, in-flight magazine published with full advertisement | Routes | * 150 flights per day, 13 locations in UK, 4 locations in Ireland, 16...
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...a Hospital Setting When beginning a discussion of business ethics in a hospital setting it is important to take a broad approach. Because a hospital is a business and also a treatment facility, the ethical concerns must be considered not only for areas such as billing and privacy but also for ethics related to the appropriate care of patients, nursing ethics, and physician ethics. The ethics of the treatment methods employed based on the patient’s condition must also be considered. Ethics and Patient Care I believe that when discussing the ethical implications of patient care it is helpful to review a real-world scenario. One highly publicized case involved Terri Schiavo and her husband’s fight to stop her tube feedings as there was no hope for her recovery (VandeKieft, 2005). One reason for the high visibility of this case in the media occurred because the patient's husband and the patient's family disagreed on the diagnosis (VandeKieft, 2005). Terri suffered a cardiac arrest due to severe hypokalemia (low potassium levels) (VandeKieft, 2005). The cardiac arrest led to severe brain damage and a condition called PVS (VandeKieft, 2005). The PVS acronym stands for persistent vegetative state (VandeKieft, 2005). A person in a persistent vegetative state has brain stem functions that survive but no higher level brain functions (VandeKieft, 2005). This equates to the person's body performing the...
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