Sunday, February 23, 2020
Marketing in Canada - Essay Example The proposed research paper will attempt to analyze the predominant themes in American marketing, and determine to what degree those themes continued to be used in the Canadian context. As a tentative thesis, this paper presumes that marketing strategies in Canada will, to a great extent, largely resemble marketing strategies that would be used in similar situations in America, and that firms that have both American and Canadian wings do not significantly alter their marketing strategies when advertising similar products or services on both sides of the border, an indication that such marketing strategies retain much of their effectiveness. OVERVIEW OF EARLY FINDINGS As a preliminary step to research, the author evaluated several marketing campaigns launched across both the United States and Canada, from companies with similar placements. At this stage apples-to-apples comparisons of marketing campaigns within a company (the way Ford markets a truck in the United States vs. Canada, f or instance), to attempt to control for the fact that a single company might choose to use similar marketing strategies simply as a cost-saving measures. Research was also conducted into marketing theory, looking into publications that de facto target a US audience as well as explicitly Canadian marketing publications. Throughout this process, some major themes in American marketing have become apparent: gender, patriotism, and technology. Most major marketing campaigns include one of these things to some degree or the other. GENDER Gender plays a major role in many marketing campaigns. Marketers try to connect many different products to the proper performance of gender. This is most clearly demonstrated through explicitly gendered products, such as Dove's normal line versus it's Ã¢â¬Å"Dove for MenÃ¢â¬ line, which promotes cleanliness as a masculine virtue rather than a feminine one, as is normally shown through marketing in their traditional line. This pattern is also apparent in non-gendered products: beer advertisements for men and for women will be very different from each other, despite being the same product and having many of the same benefits. Gender performance in the United States and Canada are very similar to each other, and one would expect marketing campaigns to feature gender in a similar way. PATRIOTISM Patriotism is rarely expressed explicitly, e.g. Ã¢â¬Å"it is the right thing for your country to buy this product,Ã¢â¬ - more often patriotism is invoked through connecting the product with demonstrated values of the country, such as strength or constancy, or it is made of products originating in the country. TECHNOLOGIES Technology is the area that might feature a stark difference between Canadian and American strategies. Though the United States, like most developed countries, is increasingly technology heavy, Canadians have proven to be more adept at adapting to social media than Americans. There is a higher percentage of Canadians who have adapted to social media, especially Facebook and Twitter, and they incorporate both of those technologies into their life faster. This might mean that companies need to put greater importance to social media in their
Friday, February 7, 2020
Service Management - Essay Example The organizations that deal in banking, hospitality and consultancy amongst others are all included in the services sector (1). The importance of services in the industrialized economies has constantly been ignored. There are many services in that are not taken in to account, mainly in the agricultural and the industrial sector, which are not viewed as contributors of services to the economies. However, they contribute to the service sector in an unseen manner (2). Consumers are usually concerned with the amount of satisfaction derived from the services offered. It is important for service providers to understand that value is of utmost importance if they have to excel in the business of service marketing. The service perspective is important in the accomplishment of satisfaction amongst the consumers. This is an aspect of marketing whereby marketers ensure that a number of services are provided for the customers to make a choice. This is important for the business in order to ensure that it has a competitive advantage over other service providers, thereby increasing the sales volume. Service perspective involves the engagement of people who are capable of offering the most efficient services to customers in order for them to get motivated to come back for more. This is a significant tool for ensuring that customers build trust in the service provider. Apart from increasing the competitive advantage of the service provider, it helps in encouraging the customers to buy more and also encourage new customers to the business. The reputation of the business is improved, and customers do not complain in regard to the services offered to them. Adopting the service perspective is significant in reducing the cost of production, since acquiring new customers is usually difficult and costly. It therefore plays a significant role in maintaining
Wednesday, January 29, 2020
The Return of Depression Economics Essay Classical economists like Smith and Ricardo often argued that economic prosperity can be best achieved if the market is left alone. They argued that the market alone is the most efficient mechanism of determining supply and demand, wages and labor supply. The market Ã¢â¬Å"being the invisible handÃ¢â¬ removes sluggishness in the economy. At the beginning of the 20th century, these assumptions were attacked by neo-classical economists led by John Maynard Keynes. Keynes argued that because wages are essentially fixed in the short-run, it is possible for an economy to experience sluggishness (Keynes, 1936). This Ã¢â¬Å"sluggishnessÃ¢â¬ causes temporary recessions, that if Ã¢â¬Å"untreatedÃ¢â¬ may lead to depressions. The only means to treat temporary recessions is government intervention. Keynes (1936) argued that it is desirable for the government to either increase or decrease spending in order to boost the economy. This increase or decrease in spending may be facilitated by increasing or decreasing interest rates (on the expenditure side of the economy). Now, the assumptions of both classical and neo-classical economists are being attacked. Paul Krugman (a Nobel prize winner), in his book Ã¢â¬Å"The Return of Depression Economics,Ã¢â¬ put his main arguments against mainstream economics (Krugman, 2008). Here are some of his main points: 1) It is very possible for recession to occur even if an economy is in good shape. To illustrate this, he used the story of babysitting groups in Washington D. C. Here, couples agreed to babysit for each other. A special currency was used. Those who want to babysit would get the currency while those who do not want to babysit will give the currency. However, because the economy is in Ã¢â¬Å"good shapeÃ¢â¬ , nobody wanted to babysit. Couples preferred going to social gatherings than babysitting. This creates a shortage of babysitters, which in effect caused the economy to experience recession. This is same case with government control of money supply. Supposing the government increases money supply in order to boost the economy, the real effect may in fact a real decline in overall production. The Ã¢â¬Å"good shapeÃ¢â¬ of the economy may well be an enough reason for people to work less (which in the long run translates into lower economic output); 2) During economic prosperity, people usually invest their Ã¢â¬Å"moneyÃ¢â¬ to risky forms of investments. Supposing there are two sources of investments: trust funds and bank securities. Trust funds offer more returns and of course, higher risks. Bank securities are more conservative in nature (low returns and risks). During economic prosperity, trust funds usually earn more, and thus people invest in it. However, when one trust fund fails, people will usually withdraw their investment out of the system. This creates panic (confidence decreases) and the economy experiences recession; 3) And, panic can destroy wealth more easily than confidence can create it. Krugman noted that it took almost 100 years for the United States to accumulate wealth and only 5 years to destroy it (The Great Depression). In essence, a financial panic has a higher probability of occurring than a miraculous boom (due to soaring financial confidence). As Krugman noted, as more and more economies are being integrated into the world economy, the chances of experiencing recession in times of economic prosperity increases (Krugman, 2008). In short, economic prosperity may not be a bailiwick for economic certainty. References Keynes, John Maynard. 1936. General Theory of Employment, Interest and Money. London: London Publishing Company. Krugman, Paul. 2008. The Return of Depression Economics and the Crisis of 2008. New York: Penguin Books.
Tuesday, January 21, 2020
Early Life Richard Milhous Nixon grew up in Yorba, California the son of Quakers Frank and Hannah Nixon. During NixonÃ¢â¬â¢s childhood in Yorba, the family was always on the edge of poverty. The lemon grove was unfruitful, and there was little money for anything beyond food and clothing for the growing family. The Nixons never ate in a restaurant or took even a brief vacation. NixonÃ¢â¬â¢s early life was one of boyish stubbornness. He swam in the dangerous Anaheim Canal in spite of repeated warnings from his father, and he insisted upon standing up to ride in the family wagon, although once a fall gave him a serious head injury. He displayed a competitive streak at an early age and would never turn down a challenge or a dare. He also loved to be read to, and after age five he could read on his own. National Geographic was his favorite magazine. Education Nixon graduated form high school in 1930. He possessed extraordinary intelligence and ambition, but his ambitious nature receiv ed a serious setback that year. He graduated first in his class and won his high schoolÃ¢â¬â¢s Harvard Club award as "best all-around student." The award was a scholarship to Harvard University in Cambridge, Massachusetts. In addition, he seemed likely to win a scholarship to Yale University in New Haven, Connecticut. Nixon had dreamed for years of going to a famous college in the East, but his dreams were shattered when he had to turn down both opportunities. Because his older brother HaroldÃ¢â¬â¢s long battle with tuberculous had drained the familyÃ¢â¬â¢s funds there was no money to pay for the cost of traveling to the East Coast and living there. Nixon swallowed his disappointment and enrolled at nearby Whittier College. Nixon majored in history, and one of his history professors had a profound influence on his career. This was Dr. Paul Smith, whom Nixon called "the greatest intellectual inspiration of my early years." Smith was a Republican who urged hi s students to think about the importance of leadership in government. He encouraged them to consider entering public office, and he certainly helped turn NixonÃ¢â¬â¢s thoughts in that direction. In 1934 Nixon graduated from Whittier College after four years on the honor roll. He applied for a scholarship to a new law school, at Duke University in Durham, North Carolina, and asked several of his professors to write to Duke, recommending him for a scholarship.
Sunday, January 12, 2020
ON-THE-JOB TRAINING AT HOME DEVELOPMENT MUTUAL FUNDS (PAG-IBIG FUND) In Partial fulfillment of the Requirements for Bachelor of Science in Information Technology Submitted by: Arce P. Baldonado Submitted to Ms. Ruth Bongales March 2013 Table Of Contents II. Background of the Company III. Summary of the OJT Experience IV. Assessment of the OJT/Practicum Program A. New knowledge, attitudes and skills acquired B. Theories actually seen in practice C. Feedback that can be given to the company or institution D. Benefits gained E. Problems Encountered V. Appendices A. Company brochure B. Copy of the Endorsement Letter Similar essay: Theories Actually Seen In Practice in OjtC. Copy of the Training Plan D. Copy of the Signed Waiver form E. Daily Time Record F. Quarterly Performance Appraisal Forms G. Certificate of Completion II. Background of the Company The birth of the Home Development Mutual Fund (HDMF) The birth of the Home Development Mutual Fund (HDMF), more popularly known as the Pag- IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. 1530 primarily to address these two basic yet equally important needs.Under the said law, there were two agencies that administered the Fund. The Social Security System handled the funds of private employees, while the Government Service Insurance System handled the savings of government workers. Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed transferring the a dministration of the Fund to the National Home Mortgage Finance Corporation, which was one of the operating agencies of the then Ministry of Human Settlements. Seeing the need to further strengthen the stability and viability of the two funds, Executive Order No. 38 was issued on 4 June 1979, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. However, It was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which amended PD 1530. With the improved law in effect, the Fund's rule-making power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees A new Administration, some changes in Pag-IBIG Months after former President Corazon C.Aquino assumed leadership of the country, Pag-IBIG contributions were suspended from May to July 1986. This gave way to the Presidential Task Force on Shelter to conduct a thoroug h review of the Fund and its operations. The task force later affirmed that Pag-IBIG Fund was run professionally and that there were no anomalies in the Fund. On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal terms. For one, contribution rate was reduced from three percent to one percent for employees earning over P1,500.Employer share was likewise cut from three percent to a fixed rate of two percent. The Maximum Fund Salary was raised from P3,000 to P5,000. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 90. While many companies chose to discontinue their Pag-IBIG membership, quite a number, including big companies like PLDT and Dole Philippines, nevertheless opted to retain their membership to the Fund despite the voluntary nature of registration. Facing challenges head on Confronted with the s udden reduction in its membership base, Pag-IBIG stood unfazed and took the challenges head on.As a first step, the Fund implemented an intensified marketing campaign that focused on membership retention and generation. It was during the years as a voluntary fund that Pag-IBIG evolved from an institution primarily for savings and housing into an agency with a wider reach that covers almost all other needs. Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership to include self-employed groups with informal income, overseas Filipino workers, and non-earning spouses.It also launched other novel programs such as the Multi-Purpose Loan for its short-term loans program, and shelter programs that address both individual and institutional housing requirements. Clearly, the voluntary nature of Pag-IBIG membership did not stop the Fund from growing in depth and breadth. During the period, the Pag-IBIG Fund has claimed its rightful place in the countr y's economic and financial system, finally gaining the acceptance of its members, not by force, but by its continuing efforts to impress upon the members that the Fund exists solely for their benefit as well as their beneficiaries.After eight years as a voluntary fund, the nature of Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on 1 January 1995. Today, more than a decade after the universal Pag-IBIG coverage law was implemented, the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers' dreams. Over the years, it initiated more programs and projects, particularly those that address the needs of members belonging to the bottom economic level.The Fund has established special housing partnerships with teachers and uniformed men, among others. The Rent-to-Own Program was introduced, providing members another affordable way of homeownership. The Fund's efforts towards housing the Filipino did not go unnoticed. During the World Habitat Day celebration in October 2006, Pag-IBIG was given the prestigious Scroll of Honour Awards by the United Nations Human Settlements Program (UN-Habitat) for Ã¢â¬Å"making the dream of affordable housing a reality for hundreds of thousands of households. Ã¢â¬ Pag-IBIG is the first Philippine government agency to be awarded such recognition.The Fund likewise strengthened its partnership with accredited developers by way of its various institutional lending programs, among which is the much-sought after program for the development of medium and high-rise condominium buildings. The program provides a ready inventory of condominium units for sale at affordable prices, and allows members to experience condominium style living in areas close to their places of work. In recent years, the Fund has embarked on its successful bid in the financial market, moving a step closer to its vision of becoming a premier and globally competitive provident financial institution.In 2001, the Fund floated P2 billion-worth of Pag-IBIG Housing Bonds to generate additional funds for its shelter financing programs, which was warmly received by both institutional and individual investors. The bonds matured in late 2006. HDMF Law of 2009 Recognizing HDMF's contributions through the years and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009. The law was signed on 21 July 2009.Under the new HDMF law, membership to the Pag-IBIG Fund is made mandatory for all SSS- and GSIS-covered employees; uniformed members of the AFP, BFP, BJMP and PNP; as well as Filipinos employed by foreign-based employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. Likewise, the law grants the HDMF exemption fr om tax payments like other government provident institutions. With its tax-exempt status reinstated, Pag-IBIG will have more funds to finance housing and short-term loans as well as investments in government securities.Income from these endeavors is distributed exclusively to Pag-IBIG members in the form of dividends. The HDMF Law of 2009 also gives the Board of Trustees the authority to set the contribution rates, thereby paving the way for members to save more for their future. Similarly, this will bolster the Fund's resources for home financing. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industria at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society to work together owards providing Fund members with adequate housing through an effective savings scheme. III. Summary of the OJT Experience ~.. I learned a lot from my experiences as an On-the-Job Trainee of PAG-IBIG fund, Therma Mobile Inc. First of all, IÃ¢â¬â¢m very much gratified for the support and understanding of my superiors especially on times when I committed mistakes. More than any learning thought in school, I learned to be with others, to work with people. Furthermore, IÃ¢â¬â¢m very grateful that they expose me so much on what I must know regarding the work which suits my course.IÃ¢â¬â¢m very thankful that they treat me like them and they trust me with my work. I appreciate so much the working environment I had with in the company because it helps me absorbed what I need to know.. The everyday experiences I had in this company are really most treasured. The knowledge I obtain here are beyond compare than any other experiences I acquired from school and supplementary learning from books. What I had here will always be with me and rest assured I will apply what IÃ¢â¬â¢ve in every circumstance that I will encounter.. IV. Assessment of the OJTA. New knowledge, attitudes, and skills acquired -the knowledge tha t IÃ¢â¬â¢ve acquired on my On-the-Job Training is to become more specific from what I am saying because lots of clients may not understand the things that you explain to them and. -the attitudes that IÃ¢â¬â¢ve learned on my On-the-Job Training is to become consistent from what IÃ¢â¬â¢m telling and become strong in every struggle that may come and always smile when you are communicating your client and lastly donÃ¢â¬â¢t let others tread your personality and tell them that you are and educated person. I improve my typing skills and communication skills and also my analyzation skills because lots of clients are telling that they are member of Pag-Ibig before but they donÃ¢â¬â¢t have their own Pag-Ibig ID Number and some clients having conflicts with their names, birthdays, birthplace and it may bother them in filing their loan. B. Theories actually seen in practice ~.. As a new entrants into the organization, I've learned that new hires have always required extra organization al attention to develop the required level of competence. Regardless of academic background or previous work experience, the new hires should be aware of he organizationÃ¢â¬â¢s policies, culture, and mission; understand the goals and requirements of their work area; and use specific areas of knowledge, skills, and attitudes to do their jobs. These are all areas of competence that the employee should develop. Recently, fewer organizations seem to be hiring large numbers of new hires. It might seem that employee competence would be affected less by this situation. However, recent hiring patterns have only complicated the matter. Instead of relying on permanent new hires.. C. Feedback that can be given to the company or institution ~..Continuous Improvement Efforts that can changes in employee competence also occur as a result of continuous improvement efforts.. Whenever teams of employees get together to improve how the work is done, they often result in recommendations for change. These recommendations can involve the simplification of work, use of a new tool, eliminate redundant steps in work process, or some combination of them all. When these recommendations are enacted, changes in employee competence can be expected and also Multiskilling for them to continuous improvement process suggests ways of making work more ef? ient, it often means that employees responsibilities must broaden or that they must become more multiskilled.. D. Benefits gained The programme seeks to provide the following benefits for trainees: * Trainees are provided with job experience, an invaluable asset for achieving gainful employment. * Trainees are exposed to the numerous advantages that are associated with being employed. They earn an income through a stipend but they also become more familiar with interpersonal relationships, networking, responsibility and the importance of interdependence within the working environment. Trainees get an opportunity to prove themselves to an emp loyer and, based on their work performance and the existence of vacancies within the organization, theyÃ mayÃ eventually be employed on a more permanent basis. For employers: * The cost of this mutually beneficial programme is borne jointly by the government and employers so that the full financial burden falls on neither party. * By actively supporting the programme, companies have realized improved Ã¢â¬Ëpublic image' through their commitment to the national good as well as their contribution to full employment and an improved quality of life for all. The Government and employers are stakeholders in creating a more job ready labour force. E. Problems encountered ~.. During ojt, first problem is that you have to get along with the employees and clients.. You have to know them better and give all your best to make them satisfied when it comes to their concerns and applications.. Just be yourself and they'll like you.. V. Appendices A. Company Brochure B. Copy of the Endorsement Letter To Whom It May Concern: I am writing to endorse to you Mr. Arce P. Baldonado, my previous employee. I was his manager in ABS Engineering Company for almost five years.I didnÃ¢â¬â¢t make a mistake in promoting her to mechanical engineer last term. She makes it a point that she submits good outputs that even exceed the requirementsÃ¢â¬â¢ necessitated quality. Mr. Baldonado is an enthusiastic trainee. He can work well with other people and also individually. But he is really more of a leader than a follower. He can manage and supervise other trainees as well. Little or no supervision is needed when he is working. He has a reliable working habit that gives you the assurance that you can always count on him.. Mr. Baldonado is also good in management planning and implementing programs and techniques.He is also open and willing to learn new things. I assure you that hiring he will be a good decision as she is one of the best employees that I had. He could be an asset to your te am and the whole organization as well. In cases of emergency, he is always willing to help.. Should you need more information, please feel free to contact me. Thank you very much and have a nice day. Sincerely, Febie Ann Management C. Copy of the Training Plan D. Copy of the signed Waiver form E. Daily Time Record F. Quarterly Performance Appraisal Forms G. Certificate of Completion
Saturday, January 4, 2020
Even though the definition of Ã¢â¬Å"successÃ¢â¬ has a very nuanced meaning depending on its culture and context, highly successful people typically exhibit the same universal characteristics. For despite common belief, successful people are not affiliated with some exclusive club and it has to do more with attitude than superior I.Q intelligence. Therefore, many people have the ability to learn about how they can be successful and do better than they are now. Due to having the privilege of interacting with successful people on a daily basis, I gradually coined my own theory of success. In addition, interviewing successful college students for the basis of the EPE course project has managed to further support and strengthen my theory. Yet ratherÃ¢â¬ ¦show more contentÃ¢â¬ ¦Passion not money is the motivational force that driveÃ¢â¬â¢s their lifeÃ¢â¬â¢s work. For finding purpose in what they do by discovering personally meaningful dreams and goals is the how they attain passio n. Despite all the setbacks they are sure to face, they convince themselves that they can achieve what they desire. As a result, they create the highest expression of their talent by persistently trying to master the things that matter most to them in life. Despite setting oneÃ¢â¬â¢s life goals and dreams, successful people know firsthand that planning and self-management is vital to make them into a reality. They understand that choices need to be made and do their best to keep their focus on pursuing their goals. For in order to be in control of their life, they consciously think and behave in ways that keep them on their track. Envisioning the successful completion of their goals and what it would mean to accomplish them, they have the ability to make themselves do the things necessary whether they like or dislike it on the time it needs to be done. 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Friday, December 27, 2019
Historically, married women had very limited rights of their own. When a couple married they where to be seen as one unity of which the husband took all control. The serotype used to be that the wife should be a Ã¢â¬Ëhome makerÃ¢â¬â¢ thus keeping the family home and looking after the children, whilst the husband should be the Ã¢â¬Ëbread winnerÃ¢â¬â¢ who went to earn a living to keep and provide for his family. As times have changed and social views and morals have developed considerably and marriage has undergone gradual legal change primarily aimed at improving rights for women. In this day and age women have considerably more social freedom as well as more job openings and career opportunities than in the past. The equality of women and men is nowÃ¢â¬ ¦show more contentÃ¢â¬ ¦Thus, the court has very wide discretion when establishing who gets what. In comparison, the laws are very general and merely provide a list of what should be taken into account which are incorporated into s.25 The Matrimonial Causes Act (MCA) 1973 . Arguably, on the breakdown of marriage parties should be treated equally as a basic aspect of justice . Prior to such legislation, husbands were under a common law duty to support their wives. Under the common law, the wife is under this husbands control and at law they are seen as one person. Common law however did not provide any support for wives and offered no financial relief. In the mid 1800Ã¢â¬â¢s divorce became much wider spread and the courts had the power to divorce, however this was fault-based divorce, which is looked upon as unfair and unequal. The Family Law Act (FLA) 1996 primary objectives were to introduce a system of no-fault divorce. Today, courts look a number of factors including the parties standards of livings, their income an their need and thus, moving towards a checklist idea. On the breakdown of a marriage, couples are encouraged to attend a Mediation Information Assessment Meeting (MIAM) in order to co me to an agreement between themselves about how is best to divide their assets. In some cases such agreements are not possible the court may decide on an application for financial provision, where the courts are required by statute to have