The Political Views of Muslim Americans

The Political Views of Muslim Americans The political views of Muslim Americans compare to the rest of the American religious public The largest number of Americans believe that Muslims pose a threat to the American society. Many Americans remain skeptical of the Islamic anti-democratic tendencies a factor that has triggered fear among them (Ghazal 40). The Muslim religion has a bad reputation for its violent characteristic with regard to the widespread understanding of their belief in jihad, the holy war.Advertising We will write a custom essay sample on The Political Views of Muslim Americans specifically for you for only $16.05 $11/page Learn More Research on Muslim Americans suggests that these assumptions are not the reality. Muslim Americans just like the American society are diverse. Not all Muslims are Arabs neither do they all come from one country. Many Muslims come from Asia although some also come from the African-Muslim countries like Libya and Egypt. These make the Islam community a very diverse religion with varying cultural practices. Just like the American people, the Muslim Americans are the most ethnically diverse population in the world today. Many Americans assume that Muslims are all Arabs but research contradicts that notion considering that one-fifth of the Muslim population in America is American born. The Muslims are not entirely uniformly religious neither do they share the same political views as many Americans assume. Muslims are outsiders Not all Muslims are devout. Some of them are serious and strict devotees of their religion while some are moderately devoted and others are non-practicing and secular. This is synonymous to the Christian religion which not all who profess Christianity are really practicing Christians. Muslim Americans are politically integrated and highly diverse and are equally engaged in today’s political issues like the rest of the Americans. For instance, the Islamic communities are highly opposed to gay marriages an d favor an increase in government spending to support the needy (Ghazal 41). However, they are a bit more conservative compared to the rest of the American population with regard to the issue of abortion (Ghazal 41). On foreign policies, the Muslim Americans do not agree or share the same sentiments as the rest of the public. While the public appreciates the war in Iraq and the anti-terrorist actions against the Middle East, the Islamic community bares some reservations on this issue. The Islamic community although they share most of the social and political views with all other religions in America, they are still largely considered Non-Americans. This is due to past activities that the Americans have held against the Muslim community the 9/11 bomb attack (Ghazal 43).Advertising Looking for essay on ethnicity studies? Let's see if we can help you! Get your first paper with 15% OFF Learn More Other groups considered as outsiders However, just like other group s that the Americans thought of them as a threat to their harmonious religious existence, the Muslims will have to endure the rebellion factor. Maybe in time the mainstream Americans will be able to accept the American Muslims as fellow compatriots as they did with the Jews and the Italians. Another religion seen as an outsider is the Hindu community. Although they have been mostly involved in the business sector, the Hindu community does not enjoy the benefits of being an American as the natives do and other foreigners like Japanese and Chinese people. The Hindus are not very much involved when it comes to political and national matters. Integration and interaction especially with the Muslim community which research show is highly educated and well informed could be fruitful in achieving some of the development goals. The solution is only by bringing the Muslim American to the national dialogue and involve them in national matters. Ghazal, Jen’nan 2007, Muslims in America. Anti-Muslim graffiti defaces a Shi’ite mosque at the Islamic Center of America. PDF file. 11 Nov. 2012. https://contexts.org/articles/files/2008/10/contexts-fall08-muslims-in-america.pdf

Using the Spanish Verb Andar

Using the Spanish Verb Andar In its normal usage, the verb andar means to walk. However, it is often used more broadly with a vague meaning that isnt readily translatable- meaning something along the line of to function, to do, to go along, or even simply to be. Examples of Using Andarfor Walking Here are some examples of the verb being used with its common, most literal meaning: Yo andaba con mi amigo Adry. (I walked with my friend Adry.)Cada maà ±ana, Pedro andaba cuatro kilà ³metros. (Every morning, Pedro walked four kilometers.)Ella anduvo llorando el camino a su casa. (Crying, she walked the road to her house.)Vamos a andar por las calles y los neighborhoods de nuestra ciudad. (We are going to walk through the streets and villages of our city.) In many cases, andar can be used more broadly to mean simply to travel or to go: Todo el mundo andaba a pie pero los de la clase media andbamos en tranvà ­a. (Everybody traveled by foot, but we in the middle class traveled by streetcar.)Ms del 70 por ciento de los nià ±os andan en bicicleta. (More than 70 percent of the children bicycle.)Ando tras mi gato, que desaparecià ³. (Im going after my cat, who disappeared.) Andar Meaning ‘To Behave’ Andar can be used to refer acting or behaving in various ways. The reflexive form andarse is often used in this way. Tu nobleza innata no te permità ­a andar con malicia ni trampear. (Your innate honor doesnt allow you to behave maliciously nor to cheat people.)  Se andaron muy estrictos en mantener el anonimato absoluto. (They acted in a very disciplined fashion to maintain absolute anonymity.)  Los empleadores chinos se andan con cautela. (The Chinese employers are behaving cautiously.) Andar Meaning ‘To Function’ When a thing is the subject of the sentence, andar can be used to mean to function (much like the English verb to run can sometimes be used in the same way). Si se humedece esa motocicleta no anda. (If it gets wet, that motorcycle doesnt run.)Hay seà ±ales que no anda bien la conexià ³n. (There are signs that the connection isnt working well.)Mi telà ©fono no anda para llamar a ciertos nà ºmeros. (My telephone doesnt work for calling certain numbers.) Using Andar With a Gerund When followed by a gerund (a verb form ending in -ando or -endo), andar can mean something similar to go about. It can even be less specific in terms of action than that, serving as kind of a substitute for estar, forming a kind of a continuous tense. Translation will depend largely on the context. Andaba hablando consigo mismo. (He went around talking to himself.)Ahora nadie anda comprando esas blusas. (Now nobody is buying those blouses.)Habà ­a una gran piara de cerdos, que andaban comiendo en la falda del monte. (There was a large herd of pigs that were going about eating on the mountainside.)Los astrà ³nomos, que siempre andan estudiando el cielo, han llegado a pensar que muchas de las estrellas pueden tener planetas. (Astronomers, who are always studying the sky, have come to believe that many of the stars could have planets.) Andar Translated as ‘To Be’ In some cases, andar has vague enough of a meaning that it can be translated as to be.  ¿Andas por aquà ­? (Are you from around here?)Ahora se estima que la inversià ³n andar por los $30 millones. (Now it is estimated that the investment must be about $30 million.)Silvia hoy anda por los 43 aà ±os. (Sylvia today is 43 years old.)Muchas veces anda mal de dinero. (Hes often short on money.)Mi madre anda muy preocupada. (My mother is very worried.)Mi tà ­o andaba borracho. (My uncle was drunk.) Conjugation and Etymology of Andar Andar is irregular in the indicative preterite (yo anduve, tà º anduviste, à ©l/ella/usted anduvo, nosotros/nosotras anduvimos, vosotros/vosotras anduvisteis, ellos/ellas/ustedes anduvieron) and the imperfect subjunctive (anduviera, anduvieras, anduviera, anduvià ©ramos, anduvierais, anduvieran) tenses. It is regular in all other tenses. Andar comes from the Latin verb ambulÄ re, meaning to walk. That makes it a cousin of English words such as ambulatory and ambulance. Key Takeaways The most common, literal meaning of andar is to walk, although it can refer more generally to traveling or otherwise engaging in a motion.Even more broadly, andar can refer to how a person or thing behaves, goes about doing something, or exists.When a machine or other device is the subject of andar, andar can refer to how it runs or operates.

Accounting information system Essay Example | Topics and Well Written Essays - 1250 words - 5

Accounting information system - Essay Example n cases where they have accepted to donate, the organization simply collects the cheque or cash from the donors and issues an acknowledgement for receipt of the funds. Some of the donors are government agencies, corporate sector, trust and foundations. Additionally, the organization gets its finances from program fees and consultation fees. Therefore, the revenue cycle has limited actors and the processes are simple and few as well. For instance the process of obtaining revenue is through donations and fees charged for consultations and program fees. There are no products or services to be sold in exchange for money. Therefore processes such as order processing, billing, invoicing and deliveries are not there. The revenue cycle is initiated by developing a set of programs and projects that can be funded by the donors. The organization writes a proposal to the donors who will in turn give a feedback on whether they will support the proposal or not. The following are some of the processes inherent in the revenue cycle: i) Request Proposal: This is done by the projects and program development department. The proposal for the various projects and programs is developed and submitted to the various donors. The donors will go through the proposals and determine whether they will support the project or not. Proposal development is an intensive process that requires a team of experts. The final proposal is submitted by a projects coordinator who is in charge of all project activities in the organization. ii) Approval of program Proposal: Once the donors receive the proposal, they will scrutinize the contents of the program proposed and decide whether to fund it or not. They will then approve the program and pledge their support for the organization. The program proposal always has the estimated budget, the duration of the program and the expected start and end date. It also has additional details that include the financial and technical proposal. It must have the

Education as a Group Activity Personal Statement

Education as a Group Activity - Personal Statement Example My experience has taught me that learning does not only take place while we are alone with a book, but that education is a group activity. The cooperation of my classmates and instructors was vital to my educational progress. There were days when I was frustrated by slowing the class down as they took the extra time to explain a concept to me. Still, they persisted and did not leave me to flounder in a sea of confusion. My teachers spent extra time during and after class to be sure that I had an understanding of the material. As their unselfish help supported me, it also provided a foundation for the trust that I had placed in them. I could ask questions without fear of being labeled silly or feeling out of place. Learning became a two way street where cooperation was the rule of the road. As I became more integrated into the class and became more fluent in English, I began to realize how diverse America really was. I gained an appreciation for the bountiful knowledge that we learn from each other and from our cultural backgrounds. I suddenly found that I was not alone in being different, from a different country, and a different world. We were all different and we were all learning from each other.

Harry Potter and the Sorcerer’s Stone Essay Example for Free

Harry Potter and the Sorcerer’s Stone Essay Ever since the first printing of the first Harry Potter novel, the book series has been under attack from people arguing that the books are intended to initiate children into witchcraft and demonic practices or that they undermine traditional spiritual values. Yes, indeed, there are ghosts and Halloween, and the practice of magic. However, Harry Potter books are no more a threat to the traditional spiritual values of our children than The Wizard of Oz was before them. Harry Potter has not grown up in a â€Å"normal† family, even outside of the wizarding world. The Dursleys do not care for Harry and treat him poorly. They are clearly nominally Christians; in Chapter Two, Harry’s uncle threatens him with punishment, saying that Harry will â€Å"be in that cupboard from now until Christmas† if he is involved in any â€Å"funny business† (24). There is no evidence, however, that the Dursleys ever practice any particular faith. That lack of spiritual practice carries through the book, even in the wizarding world. .While no one falls to his or her knees in religious fervor, neither does anyone sacrifice a goat to Satan. Rowling has kept her books carefully neutral, but not because she wishes to undermine traditional spiritual values. Rather, it seems that Rowling wishes to appeal to the largest possible audience, without appealing to one spiritual belief over another. Rowling presents Halloween in such a manner that would appeal to the imagination of children, with bats, candles in pumpkins, and a feast; however, it is also merely a backdrop for the action that brings the Three Musketeers of Harry, Ron, and Hermione together (Rowling 172-179). Later in the book, the characters celebrate Christmas. Christmas, however, is no different from Halloween. The Christmas break serves only to give Harry a quiet moment to investigate the library and to investigate the Mirror of Erised (Rowling 204-209). Once again Rowling is carefully neutral, describing Christmas only in terms of what would appeal to children. While Rowling focuses primarily on food, gifts, and games, Ron’s brother George also takes the time to tell another brother that he will not be sitting with his fellow prefects, because â€Å"Christmas is a time for family† (203). Rather than glorifying the wizarding world, Rowling chooses to show that the wizarding world is no more appealing than the Muggle world. There are still bullies there: Draco Malfoy is just like Harry’s cousin, only he is thinner and can ride a broom. Friendship and loyalty and knowledge are all valued there; fellowship and fun are as much a part of the school as magic is. Harry Potter and the Sorcerer’s Stone is simply a fantasy story about a boy and his friends away at boarding school. The only real magic connected to this book is that it rekindled many children’s interest in reading. Who can truly argue with that result?

Moment In Life :: essays papers

Moment In Life I was born on 6 September 1980 in Bangkok, Thailand. The first two people that can describe me the best are my father and my mother. They told me that the first time they saw me they had the happiest time in their lives because I am the first son of them. They said that I was a curious and mischievous boy. When I was six years old, I entered Chulalongkorn University Demonstration school. In this school I was taught to be polite, responsible and loved in learning. I have made many friends in this school and I have had many experiences in this school, too. I was in a student council where I learnt how to work in a group in a democratic way. I was in a volleyball team. I got the certificate of merit from this school from 1992 to 1996. When I was in grade 11, I decided to go to study aboard because I think that now we live in a globalization and we all need to know other people in other countries in different culture so that we can help one another in the future. My mother and my father agree with me so they asked my aunt that which school in the United States is appropriate for me. My aunt told me that Cranbrook school is a good school in Michigan then I applied for Cranbrook. When I was accepted I am so glad because I can be near and take care of my sister who is now studying civil engineering in the University of Michigan attaining her Ph.D. Before I came here, I promise my mother and my father that I will never make them disappointed. Now I am in Cranbrook school, I have made many friends and I gained more experiences. I am the Residential Advisor of the dorm and also one of the leader in World Club. I am so happy to be here. In the future I want to be an engineer like my father and my sister so that I can help my father in his engineering company. I want to be a civil engineer because I like Calculus, Physic, Environmental Science, drawing and when I was young I always saw my father, working on his table, calculating his plan which was my first impression with engineering. Now it is time for me to go for a higher

My First Impression of Critical Thinking Class Essay

My first impression when I went to this university was very positive. The person I spoke to just made me feel completely at home because he said when I started as a mature student and that’s what I wanted to hear. He asked me about my experience so far and treated it as though it was something important, something worthwhile talking about and interesting and then he gave me chance to prove myself although I didn’t have the conventional qualifications, to prove myself by doing a written piece of writing which gave me access to the course. Quite pleased because I felt I was intelligent enough to get onto a course, intelligent enough but not educated enough, I didn’t have the certificates to prove it and this was my chance to do so. I’ve no way of knowing really to be honest I’ve nothing really to compare it without I imagine that obviously with the engineering and those sort of sciences you do need to show that you’ve gone through the steps, yes I can imagine there would be the difference, yeah.. My course is like a general introduction to socio-economic, political, even psychological studies and as you go through from one year to the next you can concentrate more on the areas that you find you are interested in but you don’t regret having done other areas which you weren’t particularly fascinated by because it’s building blocks and you build on the last one before you go onto the next one. I found it really hard work fitting – think fitting 6 subjects in one year is quite a lot to fit in. It would be nice if it was just 5 perhaps but that’s life. The deadlines are really hard work but I suppose you’ve got to have them so that’s okay. I chose to study full-time so I can’t really complain. I find the university itself a rather alienating environment. In the library it is difficult to concentrate – there are always people chatting, letting doors bang and so on. It’s mostly minor practical things like the long two bus journeys that I have and the fact that there is nowhere to base yourself. You can’t make yourself a coffee – you haven’t got a room of your own, not even a locker. You have to carry everything there and back every day and pay 82p for a drink, like a shopper going round town. You can’t find anywhere to have a nap if you’re tired and I love catnapping – it just revives me instantly. Study rooms get really hot. The food canteens are not as good as I’d expect but it’s great – I could stay all day reading in the library – it’s a fantastic resource. There is just so much there – and I think of it as an archive – as time goes on the more and more, the older stuff gets more and more important – the fact that it’s still there because if you compare it for example with the internet there’s loads of stuff on the internet but it’s all pretty current. The old stuff hasn’t necessarily been archived, it can just be switched off. Lack of grass roots involvement, choices and accountability – altogether you are treated more like a consumer than a participant but with no customer services hotline. You’ve very much following a series of chosen paths like levels in a computer game. The choices are just which subjects, not fundamentals like where, when and how to study – it’s not a democracy, it’s an institution. It’s not what I’d expected coming from the voluntary sector where every organisation is run by a committee that the grass roots can contact and appeal to. You can even put yourself forward to join the committees. Student Union’s just not the same, to me that’s like being invited to be a critic in the audience, not to have a share in running the show. Here they ask for one student rep from our group – just one – why not all of us? Why not an open forum meeting every few months to feed all our comments – big and small – through to the management. Why not a suggestion box at least? Where is the annual report to students? Where s the accountability? It was a surprise to find my course entirely full of 18 year old white kids – they all look the same. There must be less than 5% mature students which is a shame. The youngsters are so docile in the classroom, like sheep, they never challenge anything, they just don’t know loads of stuff like recent British history, politics. Of course, it’s easier if you’ve lived through it but I don’t think some of them even listen to the news. I feel sorry for anyone just studying the National Curriculum. The mature students mostly got kids, like me, I’ve got teenagers, some also work, have other activities, some are even doing other courses at the same time, they know how to push themselves. Even so, a lot feel unconfident at the university. They just don’t get what’s required of them, at least for the first year. I was a mentor when I started my second year for an adult in her first year. She said I really helped in lending an ear and explaining things. Mentoring is a really good system. I wish I’d had one when I started. Co-operative work, team work, committee skills. The whole emphasis is on developing you as an individual. You will become a researcher, not a team. We are also carefully told how to avoid plagiarism but people are afraid to actually work together – in fact, university doesn’t teach team work in general. It could. In reality there are vital committee skills some graduates won’t come across till they get to the workplace, making them look naive. I mean practical things like meetings, having agendas, minutes, standing orders and so on. In the voluntary sector I’d been used to organisations having good, well worked out policies and procedures which are publicly available documents. Here, the nearest we got was one session on ground rules in an introductory course which was never repeated, reviewed or built upon. Value and experiences, using skills and building your self-esteem. Something I got from training as an adult trainer was an appreciation of good methods in bringing out what people already have as a starting point for education. Lectures are obviously pretty much one way but seminars don’t have to be. I was taught to be a facilitator not a teacher with the idea that the group works together towards a result. The process of doing this is educational. It builds up self-esteem because everyone contributes – their input is valued. Their previous experiences in life and skills and attributes in group work come out. There is no time for that here. Seminars are mostly just tutors trying to get kids to talk about what they’ve understood from the text of some great intellectual man who’s probably dead now. Perhaps that is just in social science, I don’t know. Social justice, rights, respect, equality and diversity – all these things are central to the objectives in the voluntary sector. I am sure they are here in the mission statement for the university but the reality is different. The staff seem to be 100% white. I am on a course which must be about 98% white. Why aren’t people screaming about that? Where are the anti-racism posters around the place? It’s as if no-one wants to stir up agitation for a change. One good thing is that here in working-class South Yorkshire the university does open its library doors and other facilities to everyone although it doesn’t make a point of advertising the fact – perhaps they think that would cause trouble. Perhaps they’re not proud enough of the community focus part of the mission. Activism, forums, notice-boards. I was expecting university to be a hive of student activities like it perhaps was in the 1960’s but it’s not, as many people have said. The student societies are, to say the least, not high profile. This is a shame because it’s such a learning experience for people’s skills trying to organise something. One reason is that there are so few lively, open notice-boards where activities can be advertised. The few existing notice-boards are glass-covered, it’s not obvious if they’re for student use and people secretly try to slide notices through the glass where they just stay there for months curling up. Split between several campuses there’s no feeling of a sort of open forum for stalls. It’s as if a vital source is missing. True engagement with the community. Before I’d started at university I’d seven years or more with the credit unions which is part of the voluntary sector. It has it’s own culture perhaps, but it has good principles and tools which are used. Principles like diversity, equality, co-operation, mutual respect, rights and social justice, user management, community management, local provision and grass roots basis and a critical awareness of power structures. Democracy, self-esteem building and capacity building, accessible facilities with childcare if necessary, environmental awareness, accountability and sustainable progress. Useful tools include the use of ground rules for meetings, experiential learning, valuing people’s own experience, avoidance of jargon and good policies and procedures. The Hallam volunteering project has an impressive track record and it’s obviously a step in the right direction. It gets students out of the ivory towers or out of the pub and into the community for some real-life experience. But I wonder how this impacts on the organisations they work with. There is such a thing as institutional memory and I wonder whether they’re having a good or a bad experience with student volunteers in those organisations. The local voluntary action organisations could advise on this but I never heard much about Hallam volunteering when I worked in the voluntary sector. It may be a false impression but they seem to come for one-off projects, then go away to write up their experiences. For the full-time volunteers and clients of others in the voluntary sector it must feel a little bit like being experimented on I think. I’d like to think that students could be prepared with an idealistic visionary missionary statement in their minds about the voluntary sector – perhaps a course on community work, it’s principles, it’s forward-looking ideals. The voluntary and community sector is historic – it is immense, it is something Britain should be proud of. If this vision met the hard reality of imperfect organisations, over the years something would rub off for the organisations as well as the students and it would be a two-way learning experience. There are many hard-working development workers in most fields who would be grateful to show the ropes and get some real student volunteers if they came along with some grounding like this. The vision I would have of being a self-directed learner would be spending hours in the library and hours on the internet looking things up. With the guidance of an essay title, perhaps a list of resources that are recommended, web-site links, books by key writers on the subject but not an open brief, definitely working towards an agreed or a set title and writing an essay about that. Yeah it would be nice, it would be nice to have a completely free hand in setting an objective and working an open-ended way to collect data. The nearest I’ve come to that type of experience is in the final year dissertation but even that is within you have to choose within a subject area and then within that you can almost by negotiation choose your wn title for the essay or piece of work. I think I’ve found it quite liberating to be released from the confines of writing an essay – an essay is rather like, well I suppose that is the whole discipline of it – narrowing your words and your thoughts down to one and a half thousand words, certain format, very strict – yeah, that’s difficult, it is an art in itself but I’d much rather be doing something open-ended given the freedom and the flexibility to determine the limits myself. Yeah, I’ve seen people walking round with cameras, with questionnaire sheets. It seems as though I’m guessing, I might be wrong, but it seems as though they’re following year after year the same pattern so I imagine that cohorts of students come round every year and ask the same passers-by the same series of questions. In the first year or two of university is certainly following orders, like following a worksheet or following what you’ve been told to do. In my particular field I’d like to be more in contact with other people discussing working on the same areas. I think I like websites and I’d like to think, for one example off the top of my head, that I was working to a cumulative sort of website where we were each contributing pieces of work in the areas that we’re interested in which would build up as a resource over several years so that new students could come along and be shown this website – look at this as a resource and contribute and discuss with the people currently working on the website. That’s just one idea. Other things that make studying interesting would be student publications which were not reviews of pubs and bands and so on but on the topic so perhaps if the university had a tradition of contributing to the journals. There is a massive, massive range of journals which are great to read and very intellectual and some universities I think have this tradition of contributing and I haven’t seen anybody at undergraduate level making a contribution – you can do.

Marketing of Banking Services

Marketing scope in banking sector should be considered under the service marketing framework. Performed marketing strategy is the case which is determination of the place of financial institutions on customers’ mind. Bank marketing does not only include service selling of the bank but also is the function which gets personality and image for bank on its customers’ mind. On the other hand, financial marketing is the function which relates uncongenitalies, differences and non similar applications between financial institutions and judgement standards of their customers.The reasons for marketing scope to have importance in banking and for banks to interest in marketing subject can be arranged as:Change in demographic structure: Differentiation of population in the number and composition affect quality and attribute of customer whom benefits from banking services.Intense competition in financial service sector: The competition became intense due to the growing international banking perceptiveness and recently being non limiting for new enterprises in the sector. Increase in liberalization of interest rates has intensified the competition.Bank’s wish for increasing profit: Banks have to increase their profits to create new markets, to protect and develop their market shares and to survive on the basis of intense competition and demographic chance levels.SERVICERecently, banks are in a period that they earn money in servicing beyond selling money. The prestige is get as they offer their services to the masses. Like other services, banking services are also intangible. Banking services are about the money in different types and attributes like lending, depositing and transferring procedures. These intangible services are shaped in contracts. The structure of banking services affects the success of institution in long term. Besides the basic attributes like speed, security  and ease in banking services, the rights like consultancy for services to be compounded are also preferred.PRICEThe price which is an important component of marketing mix is named differently in the base of transaction exchange that it takes place. Banks have to estimate the prices of their services offered. By performing this, they keep their relations with extant customers and take new ones. The prices in banking have names like interest, commission and expenses. Price is the sole element of marketing variables that create earnings, while others cause expenditure. While marketing mix elements other than price affect sales volume, price affect both profit and sales volume directly.Banks should be very careful in determining their prices and price policies. Because mistakes in pricing cause customers’ shift toward the rivals offering likewise services. Traditionally, banks use three methods called â€Å"cost-plus†, â€Å"transaction volume base† and â€Å"challenging leader† in pricing of their services.DISTRIBUTIONThe complex ity of banking services are resulted from different kinds of them. The most important feature of banking is the persuasion of customers benefiting from services.Most banks’ services are complex in attribute and when this feature joins the intangibility characteristics, offerings take also mental intangibility in addition to physical intangibility. On the other hand, value of service and benefits taken from it mostly depend on knowledge, capability and participation of customers besides features of offerings. This is resulted from the fact that production and consumption have non separable characteristics in those services.Most authors argue that those features of banking services makes personal interaction between customer and bank obligatory and the direct distribution is the sole alternative. Due to this reason, like preceding applications in  recent years, branch offices use traditional method in distribution of banking services.PROMOTIONOne of the most important element of marketing mix of services is promotion which is consist of personal selling, advertising, public relations, and selling promotional tools.PERSONAL SELLINGDue to the characteristics of banking services, personal selling is the way that most banks prefer in expanding selling and use of them.Personal selling occurs in two ways. First occurs in a way that customer and banker perform interaction face to face at branch office. In this case, whole personnel, bank employees, chief and office manager, takes part in selling. Second occurs in a way that customer representatives go to customers’ place. Customer representatives are specialist in banks’ services to be offered and they shape the relationship between bank and customer.ADVERTISING Banks have too many goals which they want to achieve. Those goals are for accomplishing the objectives as follows in a way that banks develop advertising campaigns and use media.1. Conceive customers to examine all kinds of services that banks offer 2. Increase use of services 3. Create well fit image about banks and services 4. Change customers’ attitudes 5. Introduce services of banks 6. Support personal selling 7. Emphasize well serviceAdvertising media and channels that banks prefer are newspaper, magazine, radio, direct posting and outdoor ads and TV commercials. In the selection of media, target market should be determined and the media that reach this target easily and cheaply must be preferred.Banks should care about following criteria for selection of media.1. Which media the target market prefer 2. Characteristics of service 3. Content of message 4. Cost 5. Situation of rivalsAds should be mostly educative, image making and provide the information as follows:1. Activities of banks, results, programs, new services 2. Situation of market, government decisions, future developments 3. The opportunities offered for industry branches whose development meets national benefits.PUBLIC RELATIONS Public relati ons in banking should provide;1. Establishing most effective communication system 2. Creating sympathy about relationship between bank and customer 3. Giving broadest information about activities of bank.SELLING PROMOTIONAL TOOLSAnother element of the promotion mixes of banks is improvement of selling. Mostly used selling improvement tools are layout at selling point, rewarding personnel, seminaries, special gifts, premiums, contests.DEVELOPMENT IN MARKETING SCOPE AT THE ASPECT OF SERVICE MARKETINGMarketing scope develops day to day. These developments carry special significance for service sector in which customer and service producer interact closely.INTERNAL MARKETINGEspecially in service sector like external relations, internal relations also have significance. It requires finding and keeping successful personnel.For personnel of the organization to be considered their own goals and  service situation, values of the organization are sold to them. The communication techniques c arried out for customers are also performed for the personnel in internal marketing and this two techniques go together. For example, the ads that aim creating firm’s image should be prepared with regarding to audience which is composed of firm’s personnel.NETWORK MARKETINGThis approach takes the organization as a sequence which involves producer and customer that market services to each other in the organization. In this structure, the activities of departments that compose organization would be more focused on market. This will also affect the structure of organization.RELATIONSHIP MARKETINGIt was mentioned that close relationship was established between producer and customer in service sector. In addition to this, life cycle of a customer relationship was also mentioned under the product outline.According to the researchers, maintaining the relationship for extant customer increases the profit of firms. It should be emphasized that this fact has an importance for se rvice sector.Life cycle of a customer relationship is composed of three stages. At the first stage, firms try to be well known and to acquire new customers. At the second stage, the connection between customer and firm has been achieved. During the stage, firms intensified their activities on acquired customers and both of them promises mutually. At the third stage, these promises are accomplished and the service is consumed. During the stage, firms face â€Å"Reality Instants† which could possibly achieve satisfaction of customer and continuous relationship. This could be also true for second stage. So, these instants should be managed successfully. Implementation of close relations with customer successively and true applications at reality instants could not be accomplished by responsibilities of a marketing personnel.Besides, it should be remembered that consumption and production of service are closely interrelated. At this context, marketing should have role not  only in production-consumption between instants, but also at points that these intersect. In this case, 4P that was mentioned at second section would be insufficient. So, we could divide service marketing into two parts as specialist function (marketing mix, marketing researches) and marketing function buyerseller interactions)Efforts in first stage in which customers are not so clear, at the customer relationship life cycle could be minimized for lasting customers. This is achieved by successful customer relations. In this approach, marketing may be defined as; â€Å"Marketing is for establishing, keeping, developing relationship with customers in a manner that profit is got (especially in long term). So, objectives of two relevant sides would be achieved. This would be accomplished by shared promises and carrying out the promises.†

Analysis of Hargreaves Services Plc Short Term Liquidity Efficiency Ratios The WritePass Journal

Analysis of Hargreaves Services Plc Short Term Liquidity Efficiency Ratios Introduction Analysis of Hargreaves Services Plc Short Term Liquidity Efficiency Ratios IntroductionRecommendationRelated Introduction Liquidity ratios are used to determine a companys ability to pay off its short-terms debts obligations. Using Hargreaves Services Plc financial data from 2006 to 2010.I have the analysis for the companies’ current ratio, acid test, total asset turnover and fixed asset turn over below. The Current ratio tells us about the relationship between current assets and current Liabilities and how quickly an asset can be turned into cash. Hargreaves Services Plc had a current ratio of 1.09 in 2006 which was poor but significantly increased in 2007 to 1.31, it then fell in 2008 to 1.15, a further decrease in 2009 to 1.06 and has had a significant increase to 1.66 in 2010. I would say Hargreaves had a poor current ratio in 2006 and 2009 but currently has a good ratio at 1.66 indicating that for every  £1.66 of Current Assets the firm owns, it owes  £1.00 of Current Liabilities. Looking at this ratio we can see that if all the creditors of the business demanded their money, the business would have enough resources in the form of Current Assets to meet these demands. We can say then that as indicated by the Current Ratio the liquidity of the firm is good, it is managing its working capital effectively. I hence would recommend investors to buy shares. The Acid Test tells us how Hargreaves Services Plc can meet its short term demand for cash. Hargreaves Services Plc currently has a reasonable acid test at 0.82 and I would recommend its shares to investors, however the acid test was poor in 2009 and 2008, reasonable in 2007 and was good in 2006. Hargreaves Services Plc total asset turnover ratio compares its sales with the assets that the business has used to generate its sales. In 2010 Hargreaves Services Plc had sales of  £ 459,779,000 generating a ratio of 1.63 the sales in 2010 were lower than the previous year. Hargreaves Services Plc has made major investments in its assets and is   yet to generate their previous level of total turn over. The fixed asset turnover ratio of Hargreaves Services Plc measures Hargreaves effectiveness in generating sales from its investments in property, plant and equipment. The firm has gradually increased its property, plant and equipment from  £ 21,146.000 in 2006 to  £ 85,605,000 in 2010. Recommendation I recommend Hargreaves Services Plc to investors because it has invested in property, plant and equipment, even if it sales slightly fell this year .I strongly believe it has the potential to achieve positive returns in the years to come.

9 Huge Mistakes Youre Making When Negotiating Salary

9 Huge Mistakes Youre Making When Negotiating Salary You might think landing a job is most of the battle. But don’t forget, over the course of negotiations- and indeed your whole career- there are a few mistakes you can make that will stick you with a low salary, and sometimes for a lot longer than you might expect. So when you’re negotiating a new offer, remember not to fall victim to any of the following mistakes, and make sure you set yourself up to earn as much as you are worth!1. Not NegotiatingPerhaps the worst negotiation mistake you can make is not to negotiate at all. Don’t just accept whatever offer you receive. You’ll be settling for less- even than they would expect to end up paying you. This can have immediate and long-term impact on your finances. Figure out your work before you get an offer. Then negotiate. It’s standard practice and will be expected of you, no matter whether or not you hate the process.2. Not Providing a RangeTake your total salary, plus perks, from three years ago, ve rsus your total salary today, plus perks, and you have a range! Then visit a site like Glassdoor or Payscale to figure out what other professionals in your desired position are making. If you have the experience and skill set to justify being compensated at their level, then you can extend your range a little higher than your current compensation. But be prepared to show why you deserve this.3. Winging ItYou will not be in a strong position to negotiate salary if you’ve half-assed your resume and the interview process. Make sure there’s a solid paper trail documenting your strengths and talents, showing how competitive a candidate you are, and also make sure you’ve made a solid and impressive first impression. This will net you a higher first offer, and also give you more leeway to negotiate even higher. Remember: the negotiation process is more about your value being rewarded than it is about your need or greed.4. Negotiating Too SoonThe moment you get the offe r is not the time to counter. Get all the details about your compensation- including non-salary benefits, PTO, etc. Then sit on it for a while. Thank them, politely ask for a day or two to review the details, and then get back to them with a respectful, reasonable counter.5. Revealing Your Bottom LineDon’t give hirers the upper hand by letting them know the number you would take to accept the job and end negotiations. They may very well offer you just that- and then where would you be? It would be impossible for you to negotiate up from there.6. Not Doing Your HomeworkYou can’t make claims about industry standards or your value in the market if you haven’t done thorough research. Don’t get caught out saying something that won’t smell right to professionals in your industry. In other words: don’t fake anything. Be prepared to back all things up with hard fact- including your own skill and experience.7. Flubbing the CounterYou get to the negot iation phase- either over email, phone, or in person- and you thank them for their generous offer, then make your counter, ending with a number or range that would be more acceptable to you. STOP THERE. Don’t keep blabbing on. Leave the ball in their court, then take it from there depending on what you get for a response. Remember not to ask for wildly too much- that can get you laughed right out of the running. And don’t forget you can also negotiate non-salaried perks. Don’t leave the table until you feel really excited and honored to accept the job- or so certain that you couldn’t make it work that you have to decline (knowing, of course, that you’ve made a good faith effort to get what you deserve).8. Taking Things PersonallyNegotiations are business. Not personal. Don’t get offended if they don’t go exactly as you wanted. Or if you get push-back on your requests. Remember, this is business. You need to behave that way. Keep it pr ofessional and keep your ego and your bruised feelings out of the room.9. Not Getting Your Final Offer in WritingYou get the offer you wanted. Great! But it’s not real, or binding in any way, unless you get it in writing. If an employer balks at your request to have this formalized, then that might be a big red flag that you should try your luck at some other, better-behaved company.And remember, developing a strategy to answering the desired salary question is a big step towards determining how much money you will be paid, so make sure to go over answering that question in detail, in addition to everything mentioned in this article.

Social justice toolbox Research Paper Example | Topics and Well Written Essays - 1000 words

Social justice toolbox - Research Paper Example Justice can be described as giving to everybody what he or she is due. The trouble is with knowing what is due. It is a set of worldwide principles that guide and direct people in judging what is right and what is wrong, no matter what society or culture in which they live in. Social justice covers economic justice. Social justice is a fundamental principle for prosperous and peaceful coexistence among and within nations. Social justice should be upheld by promoting the rights of migrants and indigenous peoples or gender equality. We can only progress towards social justice when we eliminate barriers that people face due to disability, culture, religion, ethnicity, race or age. It should be a global mission to pursuit social justice for all and promote human dignity and development (Www.cesj.Org). My vision for social justice in U.S. is to attain social justice and a more equitable and sustainable future, and for developments and promotion of human dignity. One tactic that can be used to attain sustainability would be to build markets that do better jobs of conveying and spreading the gains and benefits of development. This would mean meeting the growing demands of consumers for greener services and products. It also means laying the foundations for opportunity, stability and dignity for all. As we strive to make these transformations towards social justice, we must incorporate the inclusion of social aspects into our policies. We have to focus on guaranteeing fair outcomes for all through rights at work, fundamental principles, social dialogue, social protection and employment. We should put more emphasis on the World Day of Social Justice, which is on the 20th of February. This will be one of the ways of making everybody that social justice is a fundamental right of every human being, not only in U.S., but in the world at large. Member states should

The planning system's approach to managing change in rural areas is Essay

The planning system's approach to managing change in rural areas is fundamentally flawed. Discuss - Essay Example ountry planning†, so that planning is not just a regulator of land and property uses, but is at the centre of the spatial development process, coordinating policy with implementation based on sustainable development. (Gallent et al, 2008). Some of the most important factors which have shaped the United Kingdom Planning System are: the strong ethics towards land preservation which is epitomized in the work of the Council for the Protection of Rural England, and its Scottish and Welsh counterparts. and the agriculture and breeding of livestock of the land owning class. Additionally, popular attitudes to the preservation of the countryside and the containment of urban sprawl are related to the early industrialization of the United Kingdom, the small size of the country, the long history of parliamentary government, the power of the civil service in central government, and the professions in local government (Cullingworth & Nadin, 2002). Fundamental flaws are present in the planning system’s approach to managing change in rural areas, partly because of the following reasons: the United Kingdom planning system has been highly effective in stopping development, rather than in facilitating it. There are serious weaknesses in anticipating needs, and in acquisition and allocation of land, and in integrating the planning of infrastructure with new development. The powers which the system has for such important planning actions are inadequately used because of insufficient relationship between the public planning process and the largely private development process. Though the Town and Country Planning Act 1947 envisaged the undertaking of positive planning by the public sector, this was not adopted due to lack of feasibility; and alternative mechanisms remain underdeveloped (Cullingworth & Nadin, 2002). Another shortcoming of the planning system is the most difficult issue facing any policy, that is, defining the right questions. Current United Kingdom debates are