Video Games And Aggressive Behavior - 1931 Words

A boy is sitting in front of his TV lost into screen playing Grand Theft Auto 5 with a controller in his hand. There’s a yell, â€Å"Chris! Come down for dinner.† The boy hears the voice but refrains from responding. The voice, his mother, calls for him multiple time, finally in anger the boy storms downstairs only to yell at his mother and rushes back to his room to get back to his game. Have you ever wondered how violent video games impact children? Or why kids love to play them? The link between violent video games and aggressive behavior is a topic that has received a lot of attention in the recent years. As technology is gradually progressing, video games are starting to become very lifelike and they consist of many complex qualities. However, with the high levels of realism, the influences of video games on society have begun to increase sufficiently. The creation of violent video games, or rated M games, have sparked constant disputes regarding whether or not t hese games promote violent behavior in their consumers. Each year, more varieties of violent games are being introduced, and most of us have this question in mind. Do violent video games influence young people to act aggressively or is it just a myth? Violent video games contribute a negative effect on society because of the intense violence and graphics shown that influence the younger generation. I believe that the correlations that have been found between video games and violence may be explained by violentShow MoreRelatedAggressive Behavior And Video Games860 Words   |  4 PagesAggressive Behavior and Video Games â€Å"Video games are not inherently good or bad, just as any other tool is not inherently good or bad† (Gentile, D., n.d.), but continuous exposure to video games may generate behavioral changes among individuals. It is being demonstrated by research that violent television and media have a cause and effect on children and youth that watch them. Because video games use the same repetitiveness mechanism as television and media it is expected by social science professionalsRead MoreViolent Video Games And Aggressive Behavior3372 Words   |  14 PagesViolent Video Games And Aggressive Behavior Jamal St.Germain Introduction Since we live in a technology age, technology is being formed into entertainment for people of all ages such as video games and television. Although, these forms of entertainment are a good way to stay informed, they can also be corrupting different ages Behavior differentiation has been an all-time high for children all over the U.S, and many researchers have found the reasoningRead MoreThe Effects Of Violent Video Games On Aggressive Behavior3708 Words   |  15 PagesThe Effects of Violent Video Games on Aggressive Behavior: Potential Sex Differences study that was conducted by Bruce D. Bartholow, of University of Missouri – Columbia, and Craig A. Anderson, of Iowa State University, examined how playing a violent video game affected levels of aggression displayed in a laboratory setting. Recently, violent behavior in children and teenagers has gained more and more attention as video games have become more popular. The study mentions that, in contrast to EasternRead MoreDo Violent Video Games Cause Aggressive Behavior?1383 Words   |  6 Pages Do Violent Video Games Cause Aggressive Behavior? Samantha Remesz Saginaw Valley State University Abstract This paper explores violent video games and their affects on people’s behavior and emotions. An experimental study was done by Smith, Lachlan, and Tamborini and is investigated further. The researchers wanted to examine people’s behavior after playing violent video games as well as nonviolent video games and compare the differences of the two. The study observes boys and girlsRead MoreDo Violent Video Games Cause Aggressive Behavior?1128 Words   |  5 PagesAmanda Cummings Essay Lesson II Do Violent Video Games Cause Aggressive Behavior? How and why does mass media influence aggressive behavior? More specifically, does playing video games cause aggressive behavior? Because children and teenagers spend an increased amount of time each day viewing/playing video games, they are shaping their values, attitudes, and behaviors. For people who do act out aggressively, the results can be deadly. Monthly, the news is filled with blood-chillingRead MoreThe Effects of Violent Video Games on Aggressive Behavior Essay2109 Words   |  9 Pagesnew forms of entertainment, one of the most popular being video games. Since their introduction, professionals and parents have become concerned with the addictive power that video games can have on people, particularly children and adolescents. Today, concern has shifted from the addictive effects of video game playing to the possible effects that they have on players’ aggression levels. As defining aggression as any thoughts or behaviors related with the intention to cause harm. Many scholars haveRead More Does Playing Violent Video Games Promote Aggressive Behavior?2480 Words   |  10 PagesViolent video games are becoming more popular among children and adolescents of all ages since its debut approximately 30 years ago. This growing popularity is generating an increasing concern that these sometimes very graphic videos and life like characters can have a negative influence on the younger generation. Although never proven, there has been speculation that some of the high school shootings across the country were committed by students who were habitual players of violent video games. DueRead MoreSynthesis Essay Do Violent Video Games Cause Aggressive Behavior?1697 Words   |  7 PagesViolent Video Games Made Me Do It School shootings years ago in Paducah, Kentucky; Jonesboro, Arkansas; and Littleton Colorado, have raised the question time and time again. Do violent video games have an influence on children and their aggressive behavior? In all three of these brutal shootings, all the shooters were students who habitually played violent video games. The Columbine High School students who murdered thirteen and wounded twenty-three in Littleton before committing suicide after theRead MoreGender Roles Of Video Games : Implications For Gender Socialization And Aggressive Behavior1576 Words   |  7 Pagesviolence and gender role portrayals in video games: Implications for gender socialization and aggressive behavior. Sex Roles, 38(5/6), 425-442). This study researches the potential effects on children by the use of gender representations and violence within popular video games. Outlined by the study of symbolic interactionism, the research questions the line between the representation of males and females, as well as how prominent violent topics are in games. These themes combined are used in orderRead MoreThe Effects Of Video Games On Gender Socialization And Aggressive Behavior By Tracy L. Dietz1534 Words   |  7 PagesOver time video games have drastically changed its contents and through the use of media it has become very popular among the people of all ages. The article, â€Å"An Examination of Violence and Gender Role Portrayals in Video Games: Implications for Gender Socialization and Aggressive Behavior† by Tracy L. Dietz portrays the impact of video-games in gender roles in our society. Through the usage of samples in the experiment shows that the video games tend to have more male characters rather than fe male

The Fifth Largest Financial Group In Malaysia Finance Essay - Free Essay Example

Sample details Pages: 24 Words: 7212 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? The advancement of technology may influence the profitability and the competitive advantage of RHB. RHB introduce RHB Now which is an e-banking system for their customer is because most of their customers have internet access either at home or outside.  [9]  RHB Now allows their customers to access their banking account through the internet to perform banking activities such as checking balances, transfer funds and bill payment.  [10]  The aim for the RHB Now is to make it convenient for their customers as they may not be free to visit the bank physically due to their daily works. They can perform their banking activities via internet instead of visit the bank branches physically. Other than that, the technology advancement surrounding the business environment allows RHB to take on an opportunity to introduce RHB Now Mobile Banking app. Nowadays smart phones are widely used by the public as it is convenient and easy to be carried. Hence, this mobile app lication enables them to access their bank account rather than using personal computer. It is a miniature of RHB Now and it provides all the features on the RHB Now, except for the application on Initial Public Offerings and share trading. Customers may enjoy this service by downloading the RHB Now Mobile Banking app and login by using their RHB Internet Banking Username and password. Customers can also obtain the updates of the RHB privileges and discounts that are offered to them and keep updated with happenings at RHB by using this mobile application.  [11]  The application is to add value to the demanding lives of their customers to provide them a convenient method to access their bank account.  [12]  However, the interruption of the internet connection causes disappointment towards the RHB Now users as they may have difficulties in completing their banking activities through the system. The customers experience slow browsing speed while accessing RHB Now due to the cabl e problem of the internet service provider. The internet services providers in Malaysia include TM Net, Unifi, Celcom, Digi, Maxis and so on.  [13]  The internet service provided by the service provider is not always stable as they have limited cable with limited bandwidth.  [14]  The poor internet service which causes the disruption of RHB Now reduces customers satisfaction and they might refuse to use it again. Besides that, the advancement in technology also has negative impact on RHB as they may face fraudulent risk. This is because the technology that is being enhanced in todays world increases the risk of bank transactions over the internet as the outsider might hack into the companys system and increases the rate of fraudulent crime.  [15]  These fraudulent criminals attempt to steal the information of the customers through Trojan attack and man-in-the-middle attack. The hacker will install a virus known as Trojan in customers computers when they visit certain web sites or download programs. The hacker uses Trojan as an agent to hack into the computer of customers to steal their bank account information and make fraudulent transactions. Besides that, the hacker may use man-in-the-middle attack to steal the information of the customers. The hacker may create a fake website to trick the customers and the information keyed will be captured by them.  [16]  The privacy and security of customers will be threatened as their information will be transferred via the internet. The bargaining powers of supplier of RHB bank are relatively low. The main suppliers of banks are depositors, creditors and central bank (Bank Negara Malaysia). Depositors are those people who have excess of money on hand and prefer to get a regular income with these moneys safely. In banking industry suppliers have low bargaining power. The natures of the suppliers are generally those people who have preference to have a low risk investment and have a regular income with inte rest. The depositors want their money to be safe. Bank provides the best play for them to deposits their surplus money. RHB bank provide fixed interest rate on fixed deposits and depositors can claim their money regularly compared to investing their surplus money on other places such as investing in shares and gold which has higher risk. (#reference 1)So that, banks provide the best place for them to deposits their surplus money. Depositors believe that RHB provide the safest place than other investment alternatives. Thus, the bargaining power of suppliers will be lower. In Malaysias banking industry, all banks are controlled by Bank Negara Malaysia (BNM). Bank Negara Malaysia set the rules and regulations for every bank operated in Malaysia. These include the interest rate, exchange rate, financing guidelines and reporting standards. RHB bank does not have choice to choose for their best interest rate as it is controlled by Bank Negara Malaysia and it should be the same proposed fo r all others banks in Malaysia. The latest minimum rates for the fixed deposits on RHB Bank which between one month to twelve months for the balances of RM 1 million or below will be 3% for 1 month deposit and 3.70% for 12 months deposit. The fixed deposit rates are sets to ensure that depositors will get positive real rate of return. (#reference 2). The benchmark interest rate in Malaysia was last reported at 3.00 percent. For instance, RHB bank cannot control the interest rate of lending and borrowing. So that, the bargaining power of suppliers are low.The threat of new entrant have poses a threat to RHB bank and these will directly affects the operations and profitability of RHB bank. There are not only the incumbent rivals that will pose a threat to RHB bank in this industry. There are possible that the new entrants may enter to banking industry and thus can affects or increase the competitions in banking industry. By merger and acquisition of the existing banks, there will b e an immediate effect on RHB Bank. In long term view, by increasing the size and financial strength of the merge of existing banks and may alter the market situation slightly. Recently, BNM announce that foreign banks are allowed to own bigger stakes in Malaysia. Besides, they also grant more licenses and ease short- selling rules as it seeks to have triple sizes of the finance sector. (From Bloomberg news Dec 22) As a result, this may increase the competition in local market. This may also encourage foreign banks to merge with local banks to expand the size of finance sector. The gradual removal of barriers for overseas investors will result in a level playing field and make the local financial market more competitive, Abdul Jalil Abdul Rasheed (from Bloomberg news Dec 22) However in the recently news, RHB Capital Bhd have signed a conditional share purchase agreement with OSK Holdings Bhd that RHB Capital will acquire 100% of the OSK Investment Bank Bhd shares from OSK Holdings in exchange of RM 245 million new RHB Capital shares and cash of RM 147.5 million. By the combination of RHB Capital and OSK investment bank Bhd will transform RHB Investment bank bhd into Malaysias largest investment bank. On the other hand, a new entrant to banking industry doesnt pose much effect on RHB Bank. It is because that is not easy to start up a bank. By starting up a bank in Malaysia, it requires a huge amount of capital. Besides, a new entrant does not have straight effects on RHB bank. It is because RHB banking Group is currently the fifth largest fully integrated financial service group in Malaysia. If there is a new entrant, the new entrant is hard to achieve the cost leadership in banking industry. It is because the economies of scale of RHB Bank are the leadership in banking industry. Furthermore, there are a also a threat of new entrant from other services industry. Internet bill payment is services that can be easily capitalize by entrepreneurs. It is a good source s of generate revenue which are in terms of fee-based revenue. This is a threat poses to RHB Bank because entrepreneurs may squeezed out of the payment business from banks. However, with the new strategies of RHB Bank by using pay pal and easy banking it may have competitive advantage over the others financial banking institutes. Another threat that will poses to RHB Banks is companies that offering other financial services. If an insurance company start offering mortgage and loan services, it would be the new threat to banking industry. Besides that, not everyone can and exit the banking industry easily, it is because to start a new bank must fulfill the requirement from Bank Negara Malaysia (BNM). The government restrictions and legislation are set by BNM. BNM provides the rules and regulations for every new entrants of bank by using Banking and Financial Institutions Act 1989 (BAFIA). (# reference 3). Thus, the bargaining powers of supplier are low. The bargaining power of customers in Malaysia banking industry is extremely high as there large number of alternatives for the customers to choose. Apart from RHB Bank, there are so many banks and non-financial institutions in Malaysia. Therefore, there are a lot of choices for the customers to deposit their money or conduct their financial services. Those alternatives include CIMA Bank, Citi Bank, HSBC Bank, Hong Leong Bank and Public Bank. Moreover, there are still a lot of non-financial institutions such as EPF, insurance companies and unit trust companies.  [17]  Those non-financial institutions normally provide same services as financial institution such as RHB Bank. As a result, customers will have high bargaining power because they can choose from these alternatives. Another factor that will affect bargaining power of customers is the switching cost of choosing other bank alternatives in opening a banking account. This switching cost is low because people can just go to any bank of their prefere nce to do so with simple and swift procedures which does not cost much. It even cost nothing at all when one decided to deposit their money in any bank account whenever and wherever he or she wants. Compared to other major banks like Public Bank Berhad and Maybank, RHB Bank do not have the most branches widespread nationwide, which may provide relatively less convenient service to people, eventually decreases the switching cost for customers to go for the competitor banks. In additions, RHB bank also has less ATM machines compared to other banks.  [18]  Thus, the customers will prefer to have a bank which is convenient or nearby for them to do their banking service. Besides that, one of the major factors that causes high bargaining power of customers is they have full information with the current advanced information technology. The customers can likely know the feedback from other customers regarding the services offer by banks via internet. From the feedback, they can know exactly whether the bank service is good or bad. The bad feedback on the website will have a strong impact for other customers which will make them have a bad impression on that particular bank. For instance, there have a customer who complaint about the bank services provided by RHB bank. He was fed up and decided to cancel the RHB credit card and ask for refund on his credit balance.  [19]  This shown that the services offered are very important to a bank as the bank must have a good reputation in order to gain a good customers feedback on the website. There are large number of banks exist in Malaysia. The examples of bank that operates in Malaysia are CIMB bank, Citibank, HSBC bank, Hong Leong Bank, Public bank and Maybank.  [20]  All these banks compete with one another throughout Malaysia by providing similar services. RHB faces high competition as all these banks provide similar services and they even have more branches throughout Malaysia compared to RHB bank. RHB los es the competitive advantages in terms of the number of branch outlet in Malaysia. Besides that, most of the banks provide homogeneous product and services.  [21]  RHB retail banking offers services like mortgage, hire purchase financing, study loans, lease financing, personal loans, credit cards, remittance service, deposit collection, general insurance and investment products.  [22]  All these products and services are similar with the product and services offered by other banks. Furthermore, all the banks are offering the same interest rate as they have to comply with Bank Negara. All the banks in Malaysia are not allowed to set their own interest rate as Bank Negara controls the interest rate to ensure that the depositor gets back the returns they entitled to.  [23]  Therefore, all the banks are competing with the similar product leaving RHB having no competitive advantages in terms of product and services. However, RHB have this special service by the name of Easy R HB which introduce a new concept in the banking delivering with cutting edge technology. It provides paperless account opening, Insurance Kasih PA (Personal Accident), application for debit card, instant approval and disbursement of loan.  [24]  The services provided by Easy RHB only required ten minutes to complete the application of the required service and it is available all over Malaysia. The feature of instant approval of loan enables customer to obtain instant flexible personal financing amounts from RM 2,000 to RM 50,000.  [25]  It is very easy and convenient for anyone who requires the fund urgently. This service enable RHB to compete among the other existing banks as other banks does not have this special service. This service brings competitive advantage to RHB as there are many customers in Malaysia who demanded for this kind of services. Lastly, banking industry has high exit barriers. It is not easy to exit the banking industry as it requires many procedures to do so. The high exit barriers in the industry are making the competition between RHB bank and other competitor even higher. This is because all the banks have to compete to survive in the market as they know they cannot exit the industry easily. Therefore, every bank will do their best to maximize the shareholder wealth while maintaining the survival of the company. RHB Bank provides banking products with a range of variety to customers i.e. corporate and investment banking, retail banking, business banking, group treasury Islamic banking business, and global financial banking. These products aim to attract customers to place their money in the bank so that more cash flows can be produced in order to increase the profitability of the company. In the banking industry, for the most parts substitute products do not pose real threats to us. Despite a personal loan is deemed to be a substitute of a mortgage, yet in reality both are actually loans taken by customers in need of money. The same applies to the other bank products and financial institutions. Mortgage companies served as a substitute of banks but the product offered is similar with the one offered by an alternative vendor. In any case, there is a high probability that a mortgage company is owned by a bank holding company. For example, RHB Bank offers My1 Home Loan mortgage services. On the other hand, different banks serve almost the same function of bank transfers. Even the Internet banking services are actually bank transfers as a huge evolution of products from paper to electronic is being continued for years to come. Such circumstance intensifies the competition of innovation but the final services of moving money from one and another accounts remained unchanged. However, in terms of branding, RHB Bank is facing stiff competition with other main anchor banks and foreign banks in the industry. Malayan Banking Berhad, also known as Maybank in short, is the market leader of the industry. It is the larg est financial services group in Malaysia with wide range of financial products and services offered including investment banking, commercial banking, offshore banking, Islamic banking, Internet banking, leasing and hire purchase, factoring, insurance, trustee services, stock broking, asset management, nominee services, venture capital and discount-house business. At the same time, Maybank also owns the largest service network in Malaysia and also branches in key international financial centers. In Malaysia alone, Maybank has more than 480 branches comprising business centers, trade finance centers and insurance offices. Meanwhile in overseas, Maybank has branches in several countries i.e. Singapore, Philippines, Indonesia, Brunei, Vietnam, Hong Kong, China and United Kingdom etc.Compared with the market capitalisation of Maybank in the market, RHB Bank with only 174 group branches nationwide is certainly facing disadvantage. More branches of a bank ensure enhanced conveniences for c ustomers to carry out banking and finance activities. Meanwhile, it also boosts the brand name of the bank. In this sense, Maybank already made themselves highly popular among the people in Malaysia.In terms of investing, potential customers have different ways to place or invest their money according to their personal preferences and risk appetites. Customers who have excess funds may invest their cash in bonds. For example, bonds are fixed income securities issued to lenders of long-term loans, with a maturity date. They yield returns in the form of fixed periodic payments which are more secured compared to banking accounts. In Malaysia, one of the most popular bond products is the Exchange Traded Bonds and Sukuk (ETBS).Besides, people might also invest in unit trusts. Unit trust is a professionally managed investment fund, which collects resources from investors with similar investing objectives. The large sum of capital is then invested by fund managers into the stock market, bo nds, money market, property or others according with the investment objectives. When dealing with the investment choices, it might down to the buyer propensity to substitute which differentiate the products. Each bond in the market has its different price respectively and most of them are in a high price, which means it requires a switching cost if people tend to change their decision from putting money in bank accounts to invest in bonds. For ETBS, the principal price is stated at RM 100.00 per unit and comes in a minimum board lot size of 10 units per lost size, thus each lot costs RM 1,000.00 (excluding transaction cost).  [26]  Whilst for unit trusts, there is a minimum initial investment amount for each fund, which stated in each of the prospectus, respectively. Normally, the amount of RM 1,000.00 is required as the minimum initial investment. It incurs a high switching cost between bank savings and unit trust investing.  [27]  Compared to both of the investment methods above, the initial capital required to open a banking account in RHB Bank is just as low as RM 100.00. The switching cost is certainly high for consumers to take as there is a huge price difference between the methods, which means that customers who opt to go for investing in either bond or unit trust rather than depositing their money in bank, have to incur an extra RM 900.00 as their initial investment outlay.  [28]  RHB Capitals business is diversified and they have 7 major segments. These segments include corporate and investment banking, retail banking, business banking, group treasury, Islamic banking business, global financial banking and supporting centre and others.  [29]  Since the company has many segments, we will use the Pareto 80/20 rule to determine the 80% revenue generated from the total segments that the company have. Pareto analysis is plotted into a graph to show which segments able to provide 80% of the total revenues from all segments. From the Pareto analysis, we can conclude that the segments which are able to generate almost 80% of the revenues from all the companys segments are corporate and investment banking, retail banking and business banking. We will be evaluating the attractiveness of the business portfolio that RHB is holding based on the 3 segments which made up to approximately 80%. The Boston Consulting Group (BCG) Matrix is adopted to evaluate the attractiveness of the business portfolios of RHB. It is used to examine the different businesses in the portfolio on the basis of their relative market share and the market growth rate. The BCG matrix will provide the company a view on their business strength and relative market share in order to identify the comparative advantages indicated by the market dominance. Each segment will be plotted according to their relative share price and the market growth rate in the four quadrants, which include Stars, Question Marks, Cash Cows and Dogs. These segments have different mar ket leader which are CIMB Group Holding Berhad and Public Bank Berhad. After calculating the relative market share and market growth rate, we come to a conclusion that retail banking falls under the question mark quadrant as it has a low relative market share and high market growth rate. Retail banking has the highest revenue generated and therefore it has the biggest circle among all the 3 segments. This shows that retail banking is growing rapidly and they are still in the early stage of the product life cycle. Retail banking has a high potential to grow continually as they are still at the early stage of the product life cycle. However, retail banking has low market shares because they do not generate much cash. The company will face problem in collecting funds and they will not have enough cash for retail banking to grow. Retail banking falling under the question mark also known as having a problem child.  [30]  It has the potential in gaining market share and become a star if they work towards it. The market leader of RHB Retail banking belongs to Public banks retail banking in which both companys core business is the same. Public bank has the capability in becoming the market leader is because Public bank competes in the market for business growth and increased market share by differentiating itself through its highly efficient customer service delivery standards.  [31]  Public bank falls under the star quadrant as they have both high market growth rate and high relative market share for that segment. RHB Retail banking has the opportunity in moving towards the star quadrant by gaining market share. If retail banking doesnt become a market leader by growing its market share, it will then drop into the dogs quadrant when market growth declines. This segment needs to be analysed carefully to determine if they are worth the investment that is required to grow market share.  [32]  We will move on to the second largest segment revenue generator fo r RHB which is Corporate and investment banking. Corporate and investment banking falls under the cash cow quadrant as it has relatively high market share but low market growth rate. In fact, corporate and investment banking has a negative growth rate. This segment exhibit a return on assets that is greater than the market growth rate, and thus generating more cash than they consume.  [33]  Therefore, this segment provides the cash required to turn question mark into market leaders. Since RHB core business in retail banking falls under the question mark quadrant, the company may transfer the money generated from cash cow to turn retail banking into market leader which finally ends in the star quadrant. The third segment which falls under the 80% overall revenue generated is business banking. Business banking falls under the dog quadrant as this segment have relative low market share and low market growth. Business banking is not generating much revenue nor consuming large amount of cash. Business banking falling under the dog quadrant is actually a cash trap as the money tied up in this segment has very little potential in growing. RHB should reduce the amount of segments falling into the dog quadrant. Segment which falls under dog quadrant are candidates for divestiture.  [34]  RHB can dispose partial or the full investment in this segment through sale, exchange or closure.  [35]  RHB banking group is fifth largest fully integrated financial service group in Malaysia. The core businesses are divided into seven Strategic Business Groups (SBGs). Corporate and Investment banking are major in funding or lending needs of corporate customers.The revenue on assets ratio had slightly decreased from year 2010 to year 2011. The main reason is because the volatility in global market conditions led by the unresolved euro debt crisis and the slowdown of economy in Malaysia. This ratio show that how much revenue can be generated for each assets. Besides that, d ebt ratio of RHB bank had increased significantly from 0.6067:1 to 0.6560:1. The debt ratio indicates how well RHB banking group can efficiently manage the leverage of debt and assets. The of debt ratio from year 2010 to year 2011 indicates that RHB banking group have not efficiently manage the debt of RHB banking group. Next, segments assets to total assets ratio had a slightly decreased from year 2010 to 2011. The total assets had increased from 129,325,495 to 152,393,694. The increased in total assets mainly by the growth in loans and financing assets, cash and short term funds and statutory deposits. For instance, the segment assets also increased from year 2010 to 2011. The increases show that RHB banking groups have mainly to growth by using loans to financing assets. The will result the segment assets to total assets ratio increases from year 2010 to 2011. The segment liabilities to total liabilities ratio had slightly increased. The increase in total liabilities mainly is because the increase in deposits from customers. Furthermore, the profit before unallocated expenses over segment revenue had a significant decreased from year 2010 to 2011. It is mainly because of the in allowance for impairment loans financing had changed to become made for impairment loan financing. The overhead expenses in year 2011 had slightly increases and the segment revenue had decreases. This may indicate that RHB bank are not efficiently manage to generate enough revenue to cover the expenses. Retail Banking is a business segment which provides products and services to individual customers. The products and services offered to them include credit facilities (mortgages, hire purchase financing, study loans, lease financing and personal loans), credit cards, remittance services, deposit collection, general insurance and investment products.  [36]  Revenue from Retail banking had slightly increased by 18.17% or RM302 million. This is mainly due to a healthy growth of lo an, comprising mainly purchase of residential property, transport vehicles securities and lending to public sector. Increases in loan led to increases in segment assets.Increases in segment liabilities by 24% or RM6.1 million are mainly due to increases in deposits from customers. There are 3 types of deposits which are demand deposit, savings deposits, fixed or investment deposits and negotiable instrument of deposit. The growth rate of customer deposits was because of attractive deposit products. Overhead expenses increased significantly by 44.15% or RM261 million in particular year. This may due to the expansion of business volume and franchise. The number of Easy by RHB outlets had increased to 235 outlets from 111 outlets this year and thus incurred more usage of electricity and water, stationeries, rental, travel expenses and security system. In the point of efficiency in utilizing the cost in funding the assets or generating revenue, RHB Banking Group had performed well. In y ear 2010, debt ratio was 0.6819:1 which means that RM1 of segment asset can set-off RM0.6819 of segment liabilities. The ratio increased to 0.7285:1 which means that more segment liabilities can be set-off by the segment assets. Due to expansion of business volume and franchise, overhead expenses had increased. In efficiency ratio, RHB had improved in utilizing and controlling the expenses to maximize revenue. We can see that from the table above which the efficiency ratio had increased to 43% from 36% in previous year. Business Banking is major in funding and lending to small and medium sized enterprises. The revenue on assets ratio had a significantly increase from year 2010 to 2011. It is mainly because the group treasury revenue had significantly decreases. It is a measure of how efficiently management is using the assets to generate sales. A higher ratio indicates that the company is using its assets efficiently to increase revenue. The main reason of the increases of revenue o n assets ratio in year 2011 is because the group had efficiently generated revenue. The debt ratio had slightly increased from year 2010 to 2011. This indicates that the segment liabilities had increased faster than the segment assets. It is just a little changes, it is due to the increases in deposits of business banking. Next, the segment assets to total assets ratio had little movement to decrease sign on year 2011. It is mainly due to the increases in total asset of RHB banking group on year 2011. The segment liabilities to total liabilities ratio had slightly decreases because of the increases in total liabilities. The main reason is because the increases of liabilities in other segments. However, the segment liabilities for business banking had a slightly decreases. The profit before unallocated expenses for the year 2011 had a slightly increases. This indicates that RHB banking groups are efficiently and effectively generate higher revenue in year 2011. The overhead exp enses for year 2011 had increased significantly. The increases may lead to inefficient in managing the expenses over revenue. The expenses spend have over the revenue from year 2010 to year 2011. Its financial objectives are to attract new customers, increase market share and retain existing customers. The measurements of this prospective are customer satisfaction, customer growth and growth of deposits. In year 2011, overall customer satisfaction and loyalty scores had improved by 9% over the previous years scores. Customer growth is healthy as deposits from customers had increased to RM115 million from RM94million in year 2010. To attract new customers, image or reputation of the bank is very important as it impacts directly on financial performance of bank. A good reputation can attract more customers and hence increase business volume. This can be measured by customer growth. As most of the customers do not have sufficient financial knowledge, they may feel unsecured and u ncertain of which products suit them the most and can fulfill their needs. Thus, bank has the responsibility to provide relevant, understandable and fair information of every service and product. It can be printed out in brochure or flyers. Front-line employees must understand the products and services well and able to deliver right information to customers. It can reduce the mistakes when servicing customer as the employees know what are the needs of customer hence sell the right product to them. This can be measured by feedback from customers. The objectives are to increase innovations, improve operational efficiency, capabilities, and services. Managers have to focus on customer satisfaction and those internal processes in order to attract new customers, retain existing customers and meet shareholders requirement which is maximize their share value and financial return. Innovation is important for bank to create new and innovative products or financial services which meet the nee ds of customers and also generate significant revenue from it. The products or services must be convenient for customers and cost efficient for bank. This can be measured by revenue generated from new product or service. Operational efficiency can be measured by operation expenses on operation revenue. It measured how much of operation expenses can generate RM1 of operation revenue. To improve it, manager has to control and manage the expenses so they spent in right and fair way. IT and information system (IS) can used to improve the efficiency. The more advance IT and IS are, the more efficient an employee performs tasks. However, employee must know how to use them so he/she can deliver good service. Good service from the bank is imperative for survival in the industry. Customer is a powerful and persuasive tool in promoting something. When the customers satisfied with the services provided by the bank, they will promote the product or service to people around them. As a result, it increases number of customers and revenue.Staff behaviours and attitudes play an important role in a service industry company. It can have significant affects to the efficiency and effectiveness of a company. For example, if the staff behaviours are not good enough to service customers it may influence the confidence of customers. Loss of confident on customers may lead to bad reputation on RHB bank. Hence, the staff behaviour of RHB bank can be used as an indicator of the efficiency and effectiveness. In terms of financial, one of the main goals of enterprises is the maximisation of profit. This can be achieved by cutting down unnecessary expenses that do not constitute to income generating. In order to achieve that, managers have to seek ways improving the productivity and optimisation of business processes as most of the times unnecessary operations caused backfire to enterprises with high expenses. For example, employees with too much slack time provide no productivity yet caus ing the enterprise to incur costs on their salaries which are wasted. In supportive of ultimate goal in creating wealth, enterprises also keen to increase revenues. Enterprises with more valuable customers and broader relationships with the VIP customers are more likely to have their revenues increased. This can be done through sales of new products and cross-selling of existing products. In this case, RHB need to value their customers highly and foster a good relationship with them in the seeking of generating more revenue. Besides, enterprises also keen to improve on their returns on spending (ROS). ROS is one of the methods to measure the efficiency in managing company funds. By engaging in high return activities, enterprises are able to maximise profits on the funds spent. Therefore, given with the ratio calculations on the main business segments, RHB should engage in business banking segment as it provides a high ROS.Enterprises always seek to gain competitive advantage over their rival companies in the same industry. It is much determined by the extracting, manipulating and use of information. In order to improve methods of gathering and analysing of information for a better decision making, it is essential to introduce innovative IT support systems. Other than that, enterprises with better allocation of resources have higher claims to offer the highest profitability. In the era of information technology, innovative banking and financial services such as Internet banking and mobile banking provides convenience to customers. Without any doubt, RHB should allocate more resources properly in developing such IT technologies to increase competitive advantage. Strategic jobs and competencies is also another issue as it includes the ability to cross-sell the financial products by focusing on customer needs. By doing this, employees of the company should have a better understanding of company background alongside the products and services, as well as th e understanding of financial markets as a whole. In this case, RHB should ensure that all of the employees have a well understanding of the company and the industry.RHB Banking Group has to grab any possible chance to increase its profit thus maximize shareholder value. Investments in Venture Company can be taken into consideration as company can enjoy tax incentives. Tax incentives can increase company profit. RHB should increase the income limit of loan to reduce the risk of unable to collect interest and loan. Reduces in bad debts can enhance the liquidity of the company. Regards the loan interest subsidy, RHB can provide a more attractive loan package for different ages of people to overcome this threat. To reduce the risk of inflation effect on the company, RHB must have skilful and experienced financial and investment analyst to evaluate any investment plan so Net Present Value of profit earned from investment project wouldnt be affected. From the analysis, we know that RHB do es not have enough branches throughout Malaysia. Their customers will switch to another bank to do banking as it is more convenient for them. In order to overcome this problem, the company may set up more branches all around the country. However, setting up branches and business operations consume large amount of funds. Although it consumes large amount of funds, it is profitable for RHB in long term. At the same time, the reputation of the bank will increase and the public will be aware of the bank. They may eventually switch to RHB if the bank can meet their needs. The bank should place concern with the culture of the local customers as to fulfil all their requirements. In order to attract more customers, RHB should come out with differentiated products however it will be imitated by other banks in a very short time. Besides that, RHB should often review the e-banking system (RHB Now) to avoid any errors in the website. This is because the customers will be confused if the informa tion provided in the website consist errors and it will definitely cause an adverse impact on the reputation of the bank. RHB should also provide support service to encounter the problems faced by the customers. The bank can collect the feedback from their customers as to improve their current services. Besides that, RHB should remind their customers to be alert with any fraudulent case. The bank should encourage the customers to report if they discover any fraudulent case. In order to lower the bargaining power of depositors. RHB Banking group must efficiently react to the changes of strategy by competitors. Competitors may implement new strategy anytime to get the competitive advantages. For example, lowest interest rate among banking industry or new promotion pack provided. These changes of strategy may have significant affect the bargaining power of suppliers. To improve, RHB bank must always observe on the movement of competitors. Besides that, to improve the bargaining power o f suppliers RHB Bank must always implement strong risk management on the changes in rules and regulations by Bank Negara Malaysia (BNM). BNM may change the legislation of bank any time. This may significantly affect the effectiveness of RHB bank. So that, a strong risk management can helps to lower the risks of losses. The management of RHB bank should provide training to the employees in order to have a good customer service. Besides that, they also have to standardize their banking procedures so that every branch is using the same procedures and can finish the process efficiently. By having a good customer service and efficient banking procedures can attract more customers to choose RHB bank. Moreover, the RHB bank management team has to ensure their employees are giving a good and polite service to the customers. Thus, by providing good services, the reputation of the bank will be improved. Other than that, in order to encourage the employees to provide a good service to the c ustomers, the management team can organize some internal competition among the employees such as the monthly best smile employee and he or she can get extra bonus for that month. This competition can motivate the employees to be more polite to the customers and they may work hard for the extra award. By increasing the market share on banking industry can helps to improve and maximize the shareholders wealth. Acquiring more shares on other banks can move RHB bank to market leader in banking industry. Growth and expansion of RHB banking group can helps to enhance shareholder value maximization. Revenue will be increase if successfully expand become larger in banking industry. Besides that, to ensure no new entrant can enter into banking industry, RHB bank must put higher entry barrier in terms of economies of scale. The higher entry barrier is the harder for new entrant to enter the industry. For example, if RHB bank can promote the promotion package to customers with the highest rate of return for depositors, new entrant may harder to promote the same things because of higher economies of scale needed. Strategies are always the weapon of a company. By implementing new strategies can get competitive advantages. By getting higher competitive advantages among competitors, it can help to increase revenue of RHB bank. Implementing new packages of savings or loans can fulfil customers needs and it can help to attract more customers. In order to overcome the threat of substitute products, in terms of branding, RHB bank certainly needs to improve their market capitalisation as it is facing stiff competition with other banks in the industry. By carrying out benchmarking with the market leader Maybank is one of the most effective ways. Compared to Maybank, RHB certainly need to increase its popularity among people by setting up more branches nationwide to ensure a better capture of potential customers. Other than that, RHB can also incur more expenditure in advertisin g to boost the brand name of the bank. In terms of investing, as we can see, there are many types of investment in the market for people to invest their money in. To cope with the threat of different kinds of investment, RHB should further increase the awareness of people towards its bank products by highlighting the key benefits and advantages of the products compared to other kinds of investment alternatives of other banks and financial institutions. For example, RHB can advertise more on its differentiated mortgage loan in the market by offering a lower rate or better benefits to the people. It is recommended that the company should focus on the core business segment of the company which gives the highest return. Since retail banking is the core business segment and it falls under the question mark quadrant, it shows that the segment has insufficient cash flow and has a potential growth. If this segment has the cash flow for development and growth in the market share, it can be p ushed to the star quadrant being the market leader of the industry. The cash flow needed for the retail banking growth can be obtained from the corporate and investment banking segment. This is because corporate and investment banking segment falls under the cash cow quadrant where it generates lots of cash flow but has very low growth. The company can fully utilized the money generated from this segment to push their core business to the star quadrant being the market leader. Besides that, the company should reduce having segments which falls under the dog quadrant. The business banking which falls under the dog quadrant should either dispose partially or completely. The investment can be disposed through sale, exchange or closure. To improve the financial ratio of RHB Bank on the segment of corporate and investment banking, RHB Bank needs to reduce the overall expenses of the segment and on the other hand generate more revenue for the segment. The revenue on assets ratio can be im proved by increasing the revenue higher than the assets. However, the main reason of not efficiently generate higher revenue is because of the global market condition. Revenue can be increase when the changes in better market conditions. Efficiently manage the debt of RHB bank can decrease the gearing of RHB bank. Always observe on the movement of market conditions implement different strategies to generate more revenues. As RHB expanded its business volume and franchise all across the Malaysia to fulfil the demand, costs such as rental, renovation, furniture, staffs and overhead had increased. To improve profitability, RHB should adopt an effective way to manage and control overhead expenses in branches. To increases deposits from customers, RHB can promote or advertise the products or package aggressively in magazines, media, social networks or forums. As RHB is doing well in business banking, it is recommended that the company should engage more in the segment for the years as th e industry of SME is being developed well in accordance to the SME Masterplan 2012-2020, introduced by SME Corporation Malaysia, seeking to contribute in accelerating the growth of SMEs to achieve the status of high income nation as stated in the Vision 2020 of Malaysia. Upon success, implementation of the Masterplan will involve more contribution from SMEs to the economy to the country as a whole by 2020. Don’t waste time! Our writers will create an original "The Fifth Largest Financial Group In Malaysia Finance Essay" essay for you Create order

Taking a Look for Breast Cancer - 1083 Words

DIAGNOSIS The simplest way to diagnose for breast cancer is a regular self-check for changes in the chest or breast area. On finding a lump or cyst under the skin, it is ideal to visit a GP for confirmation although; most lumps or cysts are normal or non-cancerous. On confirmation of the presence of breast cancer, a patient would be further examined to find out the stage of cancer and what treatments would be ideal for them. This further testing includes a variety of techniques used to scan a suspected breast cancer such as Mammogram, Ultrasound and Biopsy. MAMMOGRAM Mammogram is an X-ray scan of the breast, these checks for abnormalities in the patients’ breasts. The ideal use of mammogram is to spot an early stage of breast cancer where this would be difficult to find by touch. Like most technology error can also occur during the detection of these tumors and this could lead to misdiagnosis. There are two ways a patient may be misdiagnosed, these are ‘false negative’ and ‘false positive’ results. As the name suggested, false negative result is when a patient has been given an all clear diagnosis but there is still a presence of a cancerous tumor. False positive is the diagnosis of cancer in the patient even though none is present. These misdiagnosis can lead to negative consequences for the patients, leaving them stressed or may allow for the early stage of breast cancer to further develop. ULRASOUND Also known as Sonography, Ultrasound scans the breast firing pulsesShow MoreRelatedTaking a Look at Breast Cancer1760 Words   |  7 PagesAccording to the Cancer Facts and Figures 2014 by the American Cancer Society, an estimated number of 232,670 women in the United States will be diagnosed with breast cancer, and about 2,360 new cases are expected in men. Breast cancer will possibly cause death to more than 40,000 female patients and 400 male patients in 2014. Excluding skin cancer, breast cancer is the most common cancer that American women are diagnosed with. Additionally, breast cancer ranks second in the most deadly cancers among womenRead MoreTaking a Look at Breast Cancer1758 Words   |  7 PagesIntroduction Breast cancer is the most common cause of cancer-related death among females in the world. It is known for â€Å"have both a genetic and non-genetic etiology† (Milne et al., 2010). It involves a combination of several factors- such as â€Å"genetic, environmental and behavioral risk factors†- that are unique to each individual (Nickels et al., 2013). This type of cancer is represented by a malignant tumor manifested in breast cells such as the line duct and line lobules cells, just to name a fewRead MoreTaking a Look at Breast Cancer955 Words   |  4 PagesBreast cancer is the second leading cause of death in women in the United States, after lung cancer. 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Unfortunately, my grandmother caught it too late; it had spread all over her body and eventuallyRead MoreTaking a Look at Breast Cancer718 Words   |  3 Pagesasked her sister what was wrong. Elaine tried to ignore it and changed the subject. But Tina was worried and took her to the emergency room where the E.R. doctor diagnosed her with Stage 4 breast cancer. Since Elaine rarely went to doctors or got any check ups, she suffered from a late detection of breast cancer due to her fear of doctors. While visiting my family in New York for winter vacation 2011, I noticed that Elaine’s weight was dropping and her clothes were not as secure as they once were.Read MoreBreast Cancer : A Serious Condition1553 Words   |  7 PagesDestiny Myers BBH 411W.004 Prof. Gyekis 2/18/16 Breast Cancer Breast cancer is a serious condition and takes many people s lives each and every year. It accounts for at least 18.2% of cancer deaths worldwide.1 In society today, women are more focused on what appeals to men, rather than worrying about their own health. â€Å"If only women paid as much attention to their breast as men do† is promoted by National Breast Cancer Foundation. 2 The message that I took from this PSA is the notion that womenRead MoreBreast Cancer; Saving the Girls 959 Words   |  4 PagesBreast cancer is the second most prominent cause of cancer deaths in women. About 1 in 8 American women living in the U.S. will be diagnosed with invasive breast cancer sometime during the course of their life. About 39,620 of those women will die from it. â€Å"Breast cancer occurs when cells in the breast divide and grow without their normal control† (Komen). There are two main types of breast cancer. Ductal carcinoma, the most common type which starts in the tubes that transport milk from the breastRead MoreBreast Cancer Prevention and Education Essay1695 Words   |  7 PagesAccording to the American Cancer Society, â€Å"Breast cancer is the common disease of women in the United States, other than skin cancer.† After lung cancer, it is the leading secondary cause of cancer death in women. It helps to have some basic facts about the normal makeup of the breasts to understand breast cancer. In the past, this disease was one of the most feared forms of cancer due to its fatality rate and because complete recovery often required breast removal. The best way to fight this diseaseRead MoreThe Significance Of Breast Cancer1022 Words   |  5 PagesThe Importance of Breast Cancer Breast cancer is a serious disease that takes place in the cells of the breast. It is detected in many things, such as finding a lump or a change in how the breast looks. It is important to know how breast cancer works and the many parts that contribute to the knowledge of the disease. Famous actress Angelina Jolie brought breast cancer into the spotlight when she decided to get a double mastectomy. In the article â€Å"The Angelina Effect† that came from Times magazineRead MoreBreast Cancer That Develops From Breast Tissue Essay1049 Words   |  5 PagesBreast cancer that develops from breast tissue. Signs of breast cancer may include a lump in the breast, a change in breast shape, dimpling of the skin, fluid coming from the nipple, or a red scaly patch of skin. In those with distant spread of the disease, there may be bone pain, swollen lymph nodes, shortness of breath, or yellow skin. Risk factors for developing breast cancer include: female sex, obesity, lack of physical exercise, drinking alcohol, hormone replacement therapy during menopause

Physics of the Ear Essay examples - 1528 Words

Physics of the Ear The ear is an extraordinary human organ that many people take for granted until it doesn’t function. It is the only device that allows the human to hear sounds in their environment. The ear is made up of many parts that distinguish various sounds through different means. The ear anatomy and physiology along with how sound waves are transmitted into meaningful sounds will help one understand how hearing loss occurs. The ear is made up of three areas: the outer, middle, and inner ear. The outer ear is very important for collecting sound waves. It is made up of the pinna and the ear canal. The pinna, the actual physical outward appearance of the ear, receives sound waves and begins to funnel them into the ear canal.†¦show more content†¦Basically how sound travels through the ear is a process of many steps. The sound waves are gathered by the pinna and then funneled into the meatus. Those waves then begin to vibrate the tympanic membrane which in turn hits against the malleus. The ossicle bones then vibrate like a chain reaction. The footplate will hit the oval window which triggers the fluid in the cochlea to move. The movement sways across the different hair cells creating impulses that are sent to the brain through the eighth cranial nerve. The interesting question is how waves can become meaningful sounds. First off we must know that sound is a wave. It is impossible for sound to be a particle or atom because if it was a particle the two different sounds would eventually collide and if sound was an atom one sound would deflect another and neither one of these situations ever happens. A characteristic of sound is that different sounds pass through one another, for example, a sound and its echo. Therefore, it is safe to conclude that sound is a form of wave. Sound is molecules vibrating back and forth creating what we call a longitudinal wave. 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The steps are: 1) Identify the givens (draw/label), 2) Identify what it takes to be solved (or what specific quantity the question asks for), 3) Write down all useful relations involving both the givens and what is needed to solve, 4) Attempt to solve, 5) Reflect on the feasibility of solution or correctness. This process is good and doesRead MorePhysics : The Sport Of Equestrian Show Jumping1026 Words   |  5 Pages Physics is the study that deals with the properties, changes, and interactions of energy and matter. It can be applied to a majority of daily activities, one including equestrian show Jumping. The sport of equestrian show jumping requires a connection between horse and rider, and an understanding of how the horse gets from point A to point B. Many components of equestrian jumping take a lot of technique and courage, as well as applied physics. Newton’s three laws of motion are portrayed throughRead MorePhysics of drums1199 Words   |  5 Pages The Physics of the Drums Physics plays a large role in the production of music. It provides an explanation on how instruments create their sounds and how we interpret them. Many factors determine the sound created from instruments such as tension, resonance, size, shape, material and thickness. One of the world’s oldest and most basic instrument is the drum. The drum can be related to numerous topics in the science of physics. It is a member of the percussion family and usually produces sounds

The Simpsons vs South Park Free Essays

By contrast South Park relies on our knowledge of subjects outside the realm of elevation. South Park’s humor is heavily dependent on the fact that its audience is consuming media and observing culture outside of traditional television shows. The Simpson family is, literally, a middle American family. We will write a custom essay sample on The Simpsons vs South Park or any similar topic only for you Order Now The town in which they live, â€Å"Springfield† Is constantly shown to be In the center of the country in any of the shows maps. The family consists of Homer and Marge, he’s an overweight, undereducated couch potato and she’s the long suffering loving wife. Together they have three children Bart, Lisa and Maggie. The trouble-maker, straight a student and doodler respectively, just the composition of this family shows that the creators are seeking to lampoon the average American family. The stupidity of Homer and the children’s antics and the ridiculous nature of the world around them are strictly for laughs. In show advertisements mock sexism and religion in American culture. Within the show, the television often reflects criticism of news and popular action movies and issues of children and violence. But for all this satire, there is not much bark to the Simpson bite. The show itself must depend on advertisement revenue. Its network, FOX, Is one of the Top 4 networks In the country. In the late ass’s, the Image of Bart Simpson was synonymous with Butterfingers candy bars. There were two music Cad’s released with official music videos, that would play at the end of the episodes. It’s parody too point. And Its parody that many American’s are well aware of already. It’s as if the creators wink and nudge at the audience and say ‘You’re smart and we know it. Now please, buy our products. † South Park attempts to do something beyond just simple parody of our consumption and violence. Trey Parker and Matt Stone attempt to create new meaning out what we have already viewed. The very meaning of the parody is derived from what you already know of the target of ridicule. This is what Jerkiest and Fiske refer to as intellectuality. They attempt to relate the Simpson to this dynamic but I believe this realm is where South Park is actually operating. The Simpson may use this intellectuality when playing with genre, but South Park uses it when conveying the very meaning of the parody. Even this season alone, South Park had covered the topics of social media sites Like Faceable, celebrates and sex scandals and the hypocrisies of the media concerning such events, and marijuana legalization debate. All of these topics are lampooned by critiquing the media’s covered and both sides of the social and political debate on TV. You have to be critically aware to understand the finer points of South Parks humor that lies beneath the crude language and crass Jokes. The irony is that those that think Homer Simpson is a cutting edge satire of American life, are most likely a carbon copy of Homer himself. It’s easy to criticize South Park on the surface, but those that are media literate will â€Å"get the Joke† more than its critics. The Simpson are entertaining but ultimately, too safe. How to cite The Simpsons vs South Park, Papers

Charles Dickens essay Oliver Twist Example For Students

Charles Dickens essay Oliver Twist Being born just before your mother dies is a terrible thing to have to deal with, but to have no other relative to care for you, nurture you and to love you, it makes life incredibly difficult. However, at this age in the Victorian era, there were many complications that nowadays we do not encounter. To grow up unloved, not knowing how it feels to have a mother is already hard enough as it is, but to be shunned by society is just cruelty to ones mind. In the Victorian era, being illegitimately born was considered a horrible thing, and therefore you wouldve been shunned by society, you would be considered the lowest of the low. A novel which portrays these themes is Charles Dickens Oliver Twist, where Oliver was illegitimate and was mistreated in his life, not knowing love. His life was tainted, tainted by his birth, his birth as an illegitimate child burdened his life. Therefore, he faced the consequences. Agnes Fleming was pregnant with her child, Oliver Twist. She was brought here last night, replied the old woman, by the overseers order. She was found lying in the street; she had walked some distance, for her shoes were worn to pieces, but where she came from, or where she was going to, nobody knows'. By writing this, Charles Dickens shows the readers the harshness that illegitimate mothers had to go through, Agnes was not helped at all when she was lying in the street, nobody cared. After giving birth to Oliver, Agnes says let me see the child, and die, Charles Dickens creates emotion in the reader by writing this because it is very emotive, the fact that her final request is to see her child makes the reader question how a human can be treated this way. After the birth of Oliver, she died. The infant was placed in a private juvenile home. Olivers eighth birth-day found him a pale, thin child, somewhat diminutive of stature, and decidedly small in circumference. Charles Dickens wrote this to tell the readers how badly he was treated, he was not fed properly, therefore he was pale and thin, which persuades the readers to feel sympathy towards Oliver. After nine years of mistreatment, he is returned to the workhouse for even more abuse. Oliver attempted to ask for more food, but was punished. That boy will be hung, said the gentleman in the white waistcoat; I know that boy will be hung'. This shows us how injustice can be so cruel towards even children, Oliver had just asked for more food because he was hungry, but instead of more food the man predicted that he would be hung, this could make readers question the cruelty towards children. He was apprenticed to Mr. Sowerberry, an undertaker. Charles Dickens wrote about Oliver working at the undertakers to show readers that child labour was wrong, a child of his age working. Noah Claypole, a charity boy working for Mr. Sowerberry, goads Oliver to rebellion, for which Oliver is severely flogged. This is where Charles Dickens tells the readers about child abuse and how its wrong. Oliver was provoked by Noah, and yet he was the one that was punished. Oh you little un-grate-ful, mur-de-rous, hor-rid villain!' and Mrs Sowerberry plunged into the kitchen, and assisted to hold him with one hand, while she scratched his face with the other'. These quotes tell us how children can be cruelly abused in Victorian times. They dragged Oliver, struggling and shouting, but nothing daunted, into the dust-cellar, and there locked him up. Charles Dickens reveals the cruelty that can be given to children. It also is emotive and captures the readers sympathy because the reason he was locked up was because he had been provoked by Noah Claypole, he taunted Oliver by speaking rudely about his mother which infuriated Oliver which led him to strike Noah. .u3b1702cbd8b7b966a281091f5c83d732 , .u3b1702cbd8b7b966a281091f5c83d732 .postImageUrl , .u3b1702cbd8b7b966a281091f5c83d732 .centered-text-area { min-height: 80px; position: relative; } .u3b1702cbd8b7b966a281091f5c83d732 , .u3b1702cbd8b7b966a281091f5c83d732:hover , .u3b1702cbd8b7b966a281091f5c83d732:visited , .u3b1702cbd8b7b966a281091f5c83d732:active { border:0!important; } .u3b1702cbd8b7b966a281091f5c83d732 .clearfix:after { content: ""; display: table; clear: both; } .u3b1702cbd8b7b966a281091f5c83d732 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u3b1702cbd8b7b966a281091f5c83d732:active , .u3b1702cbd8b7b966a281091f5c83d732:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u3b1702cbd8b7b966a281091f5c83d732 .centered-text-area { width: 100%; position: relative ; } .u3b1702cbd8b7b966a281091f5c83d732 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u3b1702cbd8b7b966a281091f5c83d732 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u3b1702cbd8b7b966a281091f5c83d732 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u3b1702cbd8b7b966a281091f5c83d732:hover .ctaButton { background-color: #34495E!important; } .u3b1702cbd8b7b966a281091f5c83d732 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u3b1702cbd8b7b966a281091f5c83d732 .u3b1702cbd8b7b966a281091f5c83d732-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u3b1702cbd8b7b966a281091f5c83d732:after { content: ""; display: block; clear: both; } READ: Secrets by Tim Winton EssayThis captures sympathy because it was not entirely his fault in the first place. Consequently, Oliver runs away and heads for London where he meets John Dawkins and The Artful Dodger, who brings Oliver to Fagin, the ringleader of a gang of criminals. Fagin is an important character in Oliver Twist because he was the one that influenced Oliver into a life of crime and educated him in how to perform crimes. Fagin also treats the children he picks up as dispensable, he uses them to take risks for him, and he gets all the money from the robberies. It also tells us how the people in Victorian times did not care about children who run away from home or are orphans, unlike the present; the lack of care for children is what Charles Dickens is trying to tell the readers, and this is the reason why people like Fagin can get there hands on vulnerable children. It makes the readers question the laws and treatment of children even more. Oliver goes out with Charles Bates and the Dodger to pick an old mans pocket and fled leaving Oliver to be arrested and face the punishment. At the police station, Oliver is cleared by a witness, the bookseller. Mr. Brownlow sympathised with the boy and had him taken in and cared for at his home. Later on, Bill Sykes, a vicious and violent criminal and Fagin told Nancy to kidnap Oliver and return him to the gang. Sykes takes Oliver to a rendezvous with Toby Crackit and they go to a house that they are planning to burglarise but Oliver gets shot in the process. The robbers run off and abandon Oliver in a ditch. This shows us that Olivers conspirators did not care about him; they left him to die. This is emotive and sparks off emotions in the reader; making them question how someone can let a child die like that. Oliver regained consciousness in the ditch and stumbled to the nearest house which was the house they attempted to burgle. Mrs. Maylie, the owner of the house, takes Oliver in and protects him. This shows that not all people are uncaring, by writing this, Charles Dickens probably wanted to persuade the reader to be more like Mrs. Maylie, a caring and kind person who took Oliver in and gave him a home. Nancy, Bill Sykes girlfriend, tells Rose, Mrs Maylies niece, also Agnes Flemings sister, about Monks, a sickly, vicious young man, prone to violent fits and teeming with inexplicable hatred, and Fagins plot to destroy Oliver. Rose tells Mr. Brownlow what Nancy has told her, Harry Maylie, Mr. Grimwig and Mr Losberne were also briefed. Fagin comes to the conclusion that Nancy has betrayed the gang and tells Bill Sykes, who bludgeons her to death. When Oliver was in his birth town he received a will from his father who had died long before the events in the novel, he was the father of Monks also but had separated from Monks mother and had a love affair with Agnes Fleming, Olivers mother. They were to flee the country but he had died before they had the chance. He had left this will, which left part of his property to Oliver. Oliver decided to share his fortune with Monks due to Mr. Brownlows recommendation. However, Monks later dies in prison. With no more family left, Mr. Brownlow adopts Oliver and they settle near the parsonage.

Sunshine Advertising Company Assignment Samples/Examples

Questions: Scenario - Sunshine Advertising You are a manager in a lucrative advertising company and have a team of 15 staff members but at the moment two of them are working closely with you to complete some very important jobs. Tasks Pretty Boutique is a key client of yours and has asked for your company to prepare some advertisements for their fashion showcase. Today is Tuesday, and you know the draft brochure will take at least one day to be ready for the Boutique to look at. The fashion show is scheduled for Wednesday in two weeks time. After looking at the draft brochure, Pretty Boutique advises you on Friday of a problem that needs fixing. They informed you that the venue had to be changed as it was not big enough for their showcase. You now realise that the advertisements will need to be changed which will take at least 2-3 hours to fix so you will now have to get Joshua to help you. Staff jobs Currently, you have two staff working with you and their normal tasks are: Graces tasks Time needed Joshuas tasks Time needed Receptionist every day Assist the desktop 3 hrs per week Clerical assistance to you 3 hrs per day publishers 3 hrs per week Make travel bookings for representatives 2 hrs per week Update webpage Incoming and Outgoing Mail 1 hr per day Word processing for company 3 hrs per day Banking 1 hr per day Order stationery 1 hr per month Assist you 2 hr per day Staff workload Grace arrives late to work very upset. You asked her what her workload was like for the day and she bursts into tears. She said that she is not up-to-date and still has the following outstanding tasks to complete in addition to her normal day-to-day work: Book a rental car for you to picked up in Melbourne next Monday Melbourne travel arrangements and accommodation for you and the two sales representatives The Power Point presentation for you to present at a Conference next week Last months stationery order. Grace is very behind with her work and you need to arrange for someone to help her. You check with Joshua and find out that he is up-to-date with his tasks, but mentioned that the desktop publishers are snowed under with work and have asked him to help out longer than the usual three hours allocated each week). He mentioned to you that Grace had broken up with her husband, is very stressed and therefore behind with her work. The Director of the company has indicated in a recent email that no staff members were allowed to do any more overtime so you are now faced with a dilemma as to how to deal with this situation. Task 1 Use the table format below and make lists of Joshua and Graces work. Prioritise these work tasks for the next week using the URG-IMP system of Prioritising by importance and urgency. Task Importance Urgency Priority Estimated time Deadline Task 2 Using the information in Question 1, prepare work schedules for yourself, Grace and Joshua for the next week showing the team priorities and resource availability. You may use Microsoft Outlook to create a schedule or use the sample calendar below for each staff member i.e. one for you, Grace and Joshua. Work plan for .. Time Monday Tuesday Wednesday Thursday Friday 9 am 10 am 10 am 11 am 11 am 12 pm 12 pm 1 pm 1 pm 2 pm 2 pm 3 pm 3 pm 4 pm 4 pm 5 pm Task 3 1. What realistic contingency plans would you use should the following situations arise:a) Grace takes two days sick leave.b) The person working on the problem for Pretty Boutique takes three hours longer than planned?What steps can be taken to prevent the situation of staff being so far behind, from happening again?c) Prepare a report for your next team meeting that covers the following: Reviewing the problems of the past weeks Identifying opportunities for improvement and learning Rebuilding morale Some stress management techniques. Task 4 Prepare a professional development plan for Grace addressing some of the areas you would like her to improve and include the following types of self-development activities:1. Mentoring2. On-the-job learning3. Formal studies4. Formal or informal networks. Answers: Task 1 Joshuas Work Task Importance Urgency Priority Estimated Time Deadline Assist the desktop Publishers Yes important Moderately urgent 3. 4 hours required (3hrs + 1 hour extra due to back log Next week Update web page Yes important Not very urgent 5. 3 hours required Maximum in 3 Weekss Time Incoming and Outgoing mail Yes, very much 1. 1 hour required Today (every day) Banking Yes 4. 1 hour required Tomorrow Assisting the Manager Yes, very much 2. 2 hours required Tomorrow Graces Tasks Task Importance Urgency Priority Estimated Time Deadline Receptionist work Yes important 3. 1 hour required Today (every day) Clerical assistance to the manager (power point presentation to be made for the conference) Yes important 2. 3 hours required Tomorrow Making travel bookings for representatives (travel arrangements for Melbourne and car rental bookings) Highly Critical Highly urgent 1. 2 hours + 1 hour back log= Total 3 hours required Today Word Processing for Company Moderate urgency 5. 3 hours required Next week Ordering stationery for company Very much important Moderate urgency 4. 2 hours (1hr this month plus 1 hr last month) After two weeks time Task 2 Work schedule for Manager (Self) Time Monday Tuesday Wednesday Thursday Friday 9 am- 10 am Revising Advertisement work for Pretty Boutique Monitoring advertisement project progress of Pretty Boutique Working on movers and shakers projects Feedback review meeting for Movers and shakers project Attending all hands meeting within the company 10 am- 11 am Revising Advertisement work for Pretty Boutique Budget Preparations task for upcoming quarter Working on movers and shakers projects Break Working on feedback received on Movers and shakers project 11 am- 12 pm Understanding project requirements of Movers and shakers project Budget Preparations task for upcoming quarter Performance Review meeting with entire team Break Finalization of Movers and shakers project 12 pm- 1 pm Break Break Break Monitoring movers and shakers project progress Performance evaluation of team members 1 pm- 2 pm Client meeting, Pretty Boutique Break Break Break Break 2 pm- 3 pm Client meeting- Pretty Boutique Client meeting- Pretty Boutique Working on movers and shakers Onsite meeting with a new client Performance Review meeting 3 pm- 4 pm Break Finalization of advertisement project with Pretty Boutique Customer visit and meeting with movers and shakers Onsite meeting with a new client Meeting with the Mover and shakers Client 4 pm- 5 pm Making Power point presentation for Project Break Customer visit and meeting with movers and shakers Break Break Work schedule for Joshua Time Monday Tuesday Wednesday Thursday Friday 9 am- 10 am Revising Advertisement work for Pretty Boutique Assisting manager on Pretty Boutique project Assisting manager with movers and shakers project Feedback review meeting for Movers and shakers project Attending all hands meeting within the company 10 am- 11 am Revising Advertisement work for Pretty Boutique Assisting manager on Pretty Boutique project Checking emails and replying emails Checking emails and replying emails Assisting manager with feedback on movers and shakers project. 11 am- 12 pm Break Checking emails and replying emails Banking Assisting manager Finalization of Movers and shakers project 12 pm- 1 pm Checking emails and replying emails Banking Break Assisting manager Banking 1 pm- 2 pm Client meeting, Pretty Boutique Break Break Assisting the desktop Publishers Assisting the desktop Publishers 2 pm- 3 pm Client meeting- Pretty Boutique Client meeting- Pretty Boutique Assisting manager with movers and shakers project Assisting the desktop Publishers Break 3 pm- 4 pm Banking Finalization of advertisement project with Pretty Boutique Customer visit and meeting with movers and shakers Banking Meeting with the Mover and shakers Client 4 pm- 5 pm Assisting the desktop Publishers Assisting the desktop Publishers Updating Webpage Updating Webpage Checking emails and replying emails Work schedule for Grace Time Monday Tuesday Wednesday Thursday Friday 9 am- 10 am Making urgent travel bookings Clerical assistance to the manager on Pretty Boutique project Clerical assistance to the manager on movers and shakers projects Clerical assistance to the manager on movers and shakers projects Attending all hands meeting within the company 10 am- 11 am Receptionist work Receptionist work Receptionist work Receptionist work Receptionist work 11 am- 12 pm Car Rental Bookings Clerical assistance to the manager for preparing project budgets Car Rental Bookings Making travel bookings Clerical assistance to the manager on movers and shakers projects 12 pm- 1 pm Clerical assistance to the manager for pretty boutique project Ordering stationery for company Break Clerical assistance to the manager on movers and shakers projects Clerical assistance to the manager on movers and shakers projects 1 pm- 2 pm Clerical assistance to the manager pretty boutique project Break Clerical assistance to the manager on movers and shakers projects Break Break 2 pm- 3 pm Break Break Break Break Break 3 pm- 4 pm General Clerical assistance to the manager Clerical assistance to the manager for pretty boutique project Word Processing for Company Word Processing for Company Making travel bookings 4 pm- 5 pm Break Clerical assistance to the manager for pretty boutique project Word Processing for Company Break Word Processing for Company Task 3 The following are the highlights of some of the contingency plans that may be used-a) If Grace takes a two day sick leave, another resource from the department, among the other thirteen employees reporting the manager, has to be deployed for a temporary period of those two days to work on the urgent tasks as per the schedule. Also a temporary resource may be arranged to cover Graces task in that situation.b) Joshua is the person to be appointed to fix the problem for Pretty Boutique. In case the work gets delayed by two hours, Grace has to be requested to assist in managing critical tasks of Joshua at the agency.Constant monitoring of the staff performance against the schedule and linking timely delivery with performance management would curb the habit of staying behind the schedule. Also regular team meetings monitoring the progress at work by each of the employees, would encourage them to perform better and in a timely manner.c) Report for the next team Meeting:PurposeThe Purpose o f this report would be to identify and resolve the key work issues faced by the team members since past three weeks and to come up with practical solutions to avert these issues.FindingsThe increased work pressures and the act of adhering to the stringent project deadlines have stressed out most of the team members working under the manager. Few of the negative feedbacks from the clients side regarding the drafts submitted of the advertising project with Pretty Boutique, have also hurt sentiments of few dedicated employees handling the project. Recommendations Motivational talks, employee recognitions and team activities should be highly included in the busy schedule of the team members. These changes would help the manager on inculcating positivism and energy in the staff that would eventually contribute towards continuous improvement and learning among the team members. Conclusions Working on the recommended actions would not only help the team members gain confidence and efficiency in their job roles, but would also help in them in making work more interesting for them, thereby increasing their morale. Task 4 Professional Development Plan for Grace: Grace is a junior level employee who is hard working and honest, but lacks a bit of professionalism. In fact she allows her personal life obstacles, affect her professional life. However, she has the potential to be groomed to become one of the best performing employees of the organization, with an effective professional development plan. The following actions may be undertaken under the Professional Development Plan for Grace, with adherence to a stipulated time frame as mentioned- Grace may be asked to upgrade her professional skills, by giving her an opportunity to complete a short term advertising management course. This would be targeted in a time frame of 6 months to a year. Grace may be allotted a mentor, to monitor her performance and suggest improvements to her at work. This activity may be carried for a month. Grace may also be actively included in team building activities to get her more acquainted with the organizational culture and make her feel an important resource of her team. A period of three months may be targeted for this exercise. Thus, providing adequate work support through formal networks at the agency would also help Grace in taking up her work priorities and responsibilities more professionally and seriously.