The secret of Wal-Marts success :: essays research papers

The world's biggest retailer, Wal-Mart, is moving into Europe, and the UK is its second objective after Germany. BBC News Online's Tim Weber takes a gander at the insider facts behind the organization's prosperity. The figures make the proprietors of corner shops and little retail chains shiver: Wal-Mart works 3,601 stores, utilizes in excess of 910,000 individuals around the world, deals measured a year ago to $137.6bn (Â £85.7bn) - proportional to a tenth of Britain's all out monetary yield. Patrick O'Connell: The biggest retailer on the planet started life as a solitary store in Arkansas The organization serves around 90 million clients consistently and has stores in the United States, Puerto Rico, Canada, China, Mexico, Brazil, Germany, Argentina and South Korea. Where Wal-Mart tracks, contenders tremble. UK stores will confront extreme occasions, however shoppers will undoubtedly receive the rewards. Development Wal-Mart is the stupendous daddy of all markdown chains. Its colossal US stores, double the size of the biggest European hypermarket, offer everything from food to dress to outdoor supplies to equipment. Richard Quest digs into the mystery of Wal-Mart's prosperity Working from modest away distribution center locales, Wal-Mart's rebate costs have trounced the opposition. After the passing of originator Sam Walton in 1992, the organization quickly appeared to have lost its direction. Be that as it may, under the direction of new CEO and administrator David Glass it soon re-concocted itself. Wal-Mart offers a one-quit shopping experience, from staple goods and garments to equipment and work-out gear Wal-Mart is currently more grounded than at any other time. Deals are rising again - up 17% a year ago. Solid buyer spending in the United States has helped the organization's fortunes. In any case, the principle main thrust of future incomes will be Wal-Mart's program of persevering worldwide extension. In Europe the organization has just entered the German market up until this point, purchasing 21 Wertkauf stores a year back and including 74 Interspar shops last fall. Weave Martin, leader of Wal-Mart's global tasks, says he needs to serve "a great arrangement of Europe". Furthermore, one of his VPs, Carlos Criado-Perez, includes: "We are searching for any open entryway that could open in Europe." Wal-Mart needs to open for business in the internet also. Mr Martin accepts the Internet is "at the threshold" of taking off and he needs his organization to be "a predominant player". The mystery of Sam's prosperity Wal-Mart is a generally youthful organization, established 37 years back by Sam Walton. Sam Walton, independent man and an American legend

I Have A Dream Speech Outline Theology Religion Essay

I Have A Dream Speech Outline Theology Religion Essay 2 Five score years back, an incredible American, in whose emblematic shadow we stand today, marked the Emancipation Proclamation. This pivotal announcement came as an incredible signal light of want to a large number of Negro slaves, who had been singed in the blazes of wilting treachery. It came as a cheerful sunrise to end the difficult night of their imprisonment. 3 But one hundred years after the fact, the Negro despite everything isn't free. One hundred years after the fact, the life of the Negro is still tragically injured by the wrist bindings of isolation and the chains of segregation. One hundred years after the fact, the Negro lives on a forlorn island of destitution amidst a cast expanse of material thriving. One hundred years after the fact, the Negro is still grieved toward the edges of American culture and gets himself an outcast in his own property. Thus weve come here today to sensationalize a dishonorable condition. Bind To Audience/Relevancy Statement/Reveal Your Topic : Creator connected opportunity to checks, implying that each American has this check yet African Americans can't guarantee it. 4 it could be said weve go to our countries state house to money a check. At the point when the engineers of our republic composed the heavenly expressions of the Constitution and the Declaration of Independence, they were marking a promissory note to which each American was to fall beneficiary. This note was a guarantee that all men indeed, dark men just as white men would be ensured the unalienable privileges of life, freedom, and the quest for bliss. 5 It is clear today that America has defaulted on this promissory note to the extent that her residents of shading are concerned. Rather than regarding this consecrated commitment, America has given the Negro individuals a terrible check a check which has returned stamped deficient funds.â Believability Material : Speaker self is an African American talking on the regular issue looked by all. 6 But we will not accept that the bank of equity is bankrupt. We will not accept that there are deficient assets in the incredible vaults of chance of this country. Thus weve come to money this check a watch that will give us upon request the wealth of opportunity and the security of equity. Theory Preview: Theory: Emphasized on a short outline of now and its significance. 7 We have additionally resulted in these present circumstances consecrated spot to help America to remember the furious criticalness of now. This is no opportunity to take part in the advantage of chilling or to take the sedating medication of gradualism. Right now is an ideal opportunity to make genuine the guarantees of vote based system. Right now is an ideal opportunity to ascend from the dull and ruined valley of isolation to the sunlit way of racial equity. This is the ideal opportunity to lift our country from the sand traps of racial bad form to the strong stone of fraternity. Right now is an ideal opportunity to make equity a reality for all of Gods kids. See: Why now . 8 It would be lethal for the country to neglect the earnestness existing apart from everything else. This boiling summer of the Negros genuine discontent won't go until there is a fortifying fall of opportunity and correspondence. Nineteen sixty-three isn't an end, yet a start. The individuals who trust that the Negro expected to let out some pent up frustration and will presently be substance will have a reality check if the country comes back to the same old thing. There will be neither rest nor serenity in America until the Negro is allowed his citizenship rights. The tornadoes of revolt will keep on shaking the establishments of our country until the splendid day of equity rises. Change: Moving into central matters explaining why now . 9 But there is something that I should state to my kin, who remain on the warm edge which leads into the royal residence of equity. During the time spent picking up our legitimate spot, we should not be liable of illegitimate deeds. Let us not try to fulfill our hunger for opportunity by drinking from the cup of sharpness and disdain. Body Central matter 1 : 10 We should everlastingly direct our battle on the high plane of pride and order. We should not permit our inventive dissent to deteriorate into physical brutality. Over and over we should ascend to the lofty statures of meeting physical power with soul power. Subpoint 1: 11 The brilliant new militancy which has inundated the Negro people group must not lead us to a doubt of every single white individuals. For a considerable lot of our white siblings, as prove by their quality here today, have come to understand that their predetermination is tied up with our fate. They have come to understand that their opportunity is inseparably bound to our opportunity. We can't walk alone. Sub-sub point/elaboration: 12 As we walk, we should make the vow that we will consistently walk ahead. We can't turn around. There are the individuals who are soliciting the lovers from social equality, When will you be fulfilled? Sub-sub point/elaboration: We can never be fulfilled as long as the Negro is the survivor of the unspeakable revulsions of police severity. We can never be fulfilled as long as our bodies, overwhelming with the weariness of movement, can't pick up housing in the inns of the parkways and the inns of the urban areas. We can't be fulfilled as long as the Negros essential portability is from a littler ghetto to a bigger one. We can never be fulfilled as long as our kids are deprived of their selfhood and looted of their poise by signs expressing For Whites Only. We can't be fulfilled up to a Negro in Mississippi can't cast a ballot and a Negro in New York accepts he has nothing for which to cast a ballot. No, no, we are not fulfilled, and we won't be fulfilled until equity moves down like waters, and exemplary nature like a relentless stream. Subpoint 2: 13 I am not oblivious that some of you have come here out of incredible hardships. S Sub-sub point/elaboration: Some of you have come straight from tight prison cells. Some of you have originated from regions where your mission for opportunity left you battered by the tempests of abuse and lurched by the breezes of police mercilessness. Sub-sub point/elaboration: You have been the veterans of innovative affliction. Keep on working with the confidence that unmerited enduring is redemptive. Change: 14 Go back to Mississippi, return to Alabama, return to South Carolina, return to Georgia, return to Louisiana, return to the ghettos and ghettos of our Northern urban areas, realizing that some way or another this circumstance can and will be changed. Let us not flounder in the valley of gloom. Primary concern 2 : 15 I state to you today, my companions, so despite the fact that we face the challenges of today and tomorrow, I despite everything have a fantasy. It is a fantasy profoundly established in the American dream. 1. Subpoint 1 : 16 I have a fantasy that one day this country will ascend and experience the genuine importance of its statement of faith, We hold these realities to act naturally apparent, that all men are made equivalent. Sub-sub point/elaboration: 17 I have a fantasy that one day on the red slopes of Georgia the children of previous slaves and the children of previous slaveowners will have the option to plunk down together at the table of fellowship. 18 I have a fantasy that one day even the province of Mississippi, a state boiling with the warmth of foul play, boiling with the warmth of persecution, will be changed into a desert garden of opportunity and equity. Sub-sub point/elaboration: 19 I have a fantasy that my four little kids will one day live in a country where they won't be decided by the shade of their skin however by the substance of their character. I have a fantasy today. 20 I have a fantasy that one day, down in Alabama, with its horrible racists, with its senator having his lips trickling with the expressions of mediation and invalidation, one day in that spot in Alabama minimal dark young men and dark young ladies will have the option to hold hands with minimal white young men and white young ladies as sisters and siblings. I have a fantasy today. 21 I have a fantasy that one day each valley will be commended, each slope and mountain will be made low, the harsh spots will be made plane and the abnormal spots will be made straight, and the magnificence of the Lord will be uncovered, and all tissue will see it together. 2. Subpoint 2: 22 This is our expectation. This is the confidence that I return to South with. With this confidence we will have the option to cut out of the pile of depression a stone of expectation. With this confidence we will have the option to change the clanking disagreements of our country into an excellent orchestra of fraternity. With this confidence we will have the option to cooperate, to ask together, to battle together, to go to prison together, to go to bat for opportunity together, realizing that we will be free one day. S Sub-sub point/elaboration: 23 This will be the day this will be the day when all of Gods kids will have the option to sing with new importance, My nation tis of thee, sweetland of freedom, of thee I sing. Land where my dads kicked the bucket, place where there is the pioneers pride, from each mountainside, let opportunity ring. What's more, if America is to be an incredible country, this must turn out to be valid. Sub-sub point/elaboration: 24 So let opportunity ring from the enormous ridges of New Hampshire. Let opportunity ring from the powerful heaps of New York. Let opportunity ring from the increasing Alleghenies of Pennsylvania! 3. Subpoint 3: 25 Let opportunity ring from the snowcapped Rockies of Colorado! Let opportunity ring from the well proportioned inclines of California! S Sub-sub point/elaboration: 26 But not just that. Let opportunity ring from Stone Mountain of Georgia! 27 Let opportunity ring from Lookout Mountain of Tennessee! 28 Let opportunity ring from each slope and molehill of Mississippi. From each mountainside, let opportunity ring.â III. End Brakelight: 29 And when this occurs, Outline: at the point when we permit opportunity ring when we let it ring from each town and each villa, from each state and each city Bind Back to Audience: we will have the option to accelerate that day when all of Gods kids, dark men and white men, Jews and Gentiles, Protestants and Catholics, will have the option to hold hands and sing in the expressions of the old Negro profound, Finishing up Memorable Remarks: Free finally! Free finally! Express gratitude toward God all-powerful, we are free finally!

Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business

Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Despite his relatively young age,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and has been featured among “The Best 40 B-School Profs Under the Age of 40” by  PoetsQuants. At Chicago Booth, Pastor is the Charles P. McQuaid Professor of Finance, the Robert King Steel Faculty Fellow, and the co-director of the Fama-Miller Center for Research in Finance. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the  PoetsQuants  article said “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 15 other top-ranked business schools, check out the free  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Despite his relatively young age,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and has been featured among “The Best 40 B-School Profs Under the Age of 40” by Poets Quants. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the Poets Quants article said “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Despite his relatively young age,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and has been featured among “The Best 40 B-School Profs Under the Age of 40” by PoetsQuants. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the PoetsQuants article said “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Despite his relatively young age,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and has been featured among “The Best 40 B-School Profs Under the Age of 40” by  PoetsQuants. At Chicago Booth, Pastor is the Charles P. McQuaid Professor of Finance, the Robert King Steel Faculty Fellow, and the co-director of the Fama-Miller Center for Research in Finance. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the  PoetsQuants  article said “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 16 other top-ranked business schools, check out the free  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose a business school. However, the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Despite his relatively young age,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and has been featured among “The Best 40 B-School Profs Under the Age of 40” by  PoetsQuants. At Chicago Booth, Pastor is the Charles P. McQuaid Professor of Finance, the Robert King Steel Faculty Fellow, and the co-director of the Fama-Miller Center for Research in Finance. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the  PoetsQuants  article said “his witty style elevates classroom conversations and facilitates retention of core concepts.” At Chicago Booth, Pastor teaches such courses as “Portfolio Management” and “Finance Semi nar.” For more information about Chicago Booth and 16 other top-ranked business schools, check out our free  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose an MBA program, but the educational experience you will have is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on  Lubos Pastor  from the University of Chicago Booth School of Business. Still relatively young,  Lubos Pastor  has already received considerable recognition for his research on the stock market and asset management and is featured among “The Best 40 B-School Profs Under the Age of 40” by Poets Quants. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclays Global Investors Prize, as well as the McKinsey Award for Excellence and Teaching, and two of Chicago Booth’s own Faculty Excellence Awards for MBA Teaching. One student quoted in the Poets Quants article said that “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 15 other top-ranked business schools, check out the  mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth) Blog Archive Professor Profiles Lubos Pastor, University of Chicago Booth School of Business Many MBA applicants feel that they are purchasing a brand when they choose which business school to attend, but the educational experience itself is what is crucial to your future, and no one will affect your education more than your professors. Each Wednesday, we profile a standout professor as identified by students. Today, we focus on Lubos Pastor from the University of Chicago Booth School of Business. Still relatively young, Lubos Pastor (“Investments” and “Portfolio Management”) has already received considerable recognition for his research on the stock market and asset management and is featured among “The Best 40 B-School Profs Under the Age of 40” by Poets Quants. Pastor’s work has been influential, earning him such high-profile accolades as the NASDAQ Award, the Goldman Sachs Asset Management Prize, and the Barclay’s Global Investors Prize, as well as Chicago Booth’s own Faculty Excellence Award for MBA Teaching in both 2009 and 2010. One student quoted in the Poets Quants article said that “his witty style elevates classroom conversations and facilitates retention of core concepts.” For more information about Chicago Booth and 15 other top-ranked business schools, check out the mbaMission Insider’s Guides. Share ThisTweet Professor Profiles University of Chicago (Booth)

Why Obama Won the 08 Presidential Election

Barack Obama decisively won the presidential election due to many factors, including weaknesses of his Republican opponent, Sen. John McCain. His own strengths also helped propel him to victory in the 2008 race to become the 44th President of the United States. Empathy and Genuine Help for Middle-Class Americans Barack Obama gets what it means for a family to worry financially, to work hard simply to make it, and to do without essentials. Obama was born to a teenage mother, abandoned by his father at age 2, and raised largely in a small apartment by his middle-class grandparents. At one point, Obama, his mother, and younger sister relied on food stamps to put meals on the family table. Michelle Obama, close counselor and best friend to her husband, and her brother were similarly raised in modest circumstances in a one-bedroom apartment on the South Side of Chicago. Both Barack and Michelle Obama speak frequently about what it means for middle-class Americans to be at a disadvantage financially and otherwise. Because they get it, both Obamas referred with heartfelt eloquence to middle-class fears during the campaign and early years of the Obama presidency, including: The climbing unemployment rateThe staggering home foreclosure rate gripping the nationCrashing 401(k) and pension plans, leaving retirements in limbo48 million Americans without healthcare insuranceHigh percentages of public schools failing our childrenThe continuing struggle of middle-class families to balance work and parenting demands In vivid contrast, John and particularly Cindy McCain exuded an aura of financial insularity and well-heeled elegance. Both were born wealthy and were quite wealthy for their entire lives. When cornered by Pastor Rick Warren during the campaign, John McCain defined rich as I think if youre just talking about income, how about $5 million. Middle-class anger was palpable about economic fairness during those tough financial times and came after what many viewed as then-President George W. Bushs $700 billion bailout of rich Wall Streeters. Obama offered actual, understandable policy solutions to help middle-class Americans, including: A detailed 12-point program to repair the economy for middle-class families, including a $1,000 tax cut, creation of 5 million new jobs, protection of family homes from foreclosure, and reform of unfair bankruptcy laws.A Small Business Emergency Rescue Plan which included emergency lending for small and family-owned businesses, special tax incentives, and tax cuts, and expansion of Small Business Administration support and services.A specific plan to reform Wall Street practices, including new regulation of the financial markets, to blunt the greedy influence of special interests, crackdown on manipulation of financial markets, and more. John McCains tin ear on middle-class financial woes was evident in his prescription for the economy: more tax-cuts for major corporations, and continuation of the Bush tax cuts for U.S. millionaires. And this McCain stance was consistent with his stated desire to slash Medicare and privatize Social Security. The American public was fed-up with failed Bush/McCain economics, which claimed that prosperity would eventually trickle down to everyone else. Obama won the presidential race largely because voters perceived that he, and not John McCain, cared about and would address middle-class economic struggles and inequities. Steady Leadership, Calm Temperament Barack Obama earned at least 407 newspaper endorsements, versus 212 for John McCain. Without exception, every Obama endorsement referred to his presidential-like personal and leadership qualities. And all echo the same basics about Obamas calm, steady, thoughtful nature, versus McCains impetuousness and unpredictability. Explained  The Salt Lake Tribune, which has rarely endorsed a Democrat for president: Under the most intense scrutiny and attacks from both parties, Obama has shown the temperament, judgment, intellect and political acumen that are essential in a president that would lead the United States out of the crises created by President Bush, a complicit Congress and our own apathy. The Los Angeles Times noted: We need a leader who demonstrates thoughtful calm and grace under pressure, one not prone to volatile gesture or capricious pronouncement ... as the presidential race draws to its conclusion, it is Obamas character and temperament that come to the fore. It is his steadiness. His maturity. And from  the Chicago Tribune, founded in 1847, which had never before endorsed a Democrat for the presidency: We have tremendous confidence in his intellectual rigor, his moral compass and his ability to make sound, thoughtful, careful decisions. He is ready... Obama is deeply grounded in the best aspirations of this country, and we need to return to those aspirations. ... He has risen with his honor, grace and civility intact. He has the intelligence to understand the grave economic and national security risks that face us, to listen to good advice and make careful decisions. In contrast, during the past two months of the 08 presidential campaign, John McCain acted (and overreacted) inconsistently, unpredictably, and without forethought. Two examples of McCains unsteady leadership were his erratic behavior during the financial markets meltdown, and in his poorly-vetted pick of Sarah Palin as his running mate. John McCain served as the perfect foil to highlight Obamas solidly grounded leadership skills. Obamas even-keel temperament made him seem well-suited to be president for the troubled, turbulent times. And the mere image of ultra-volatile, careless John McCain in the White House was enough to scare the majority of the electorate into supporting Obama. Health Care Insurance Americans were finally fed-up enough with the unfairness of health care delivery in this country to be ready to make the issue a priority in selecting a president. The United States is the only wealthy, industrialized nation that does not have a universal health care system. As a result, in 2008, more than 48 million U.S. men, women, and children had no health care insurance. Despite being ranked No. 1 in health care spending by the World Health Organization (WHO), the U.S. was ranked  72nd among 191 nations  in 2000 in overall level of health of its citizens. And the state of U.S. health care deteriorated further under the Bush administration. Obama set for a health care plan and policies that would fairly ensure that every American will have access to good quality medical care services. McCains health care plan was a stunningly radical scheme that would: Still exclude millions of the uninsuredRaise income taxes for most American familiesIn the opinion of most experts, cause millions of employers to drop health care policies for their employees And unbelievably, McCain wanted to deregulate the health care insurance industry, much as Republicans disastrously deregulated U.S. financial markets under President George Bush. Obamas Health Care Plan Obamas plan intended to make available a new plan to all Americans, including the self-employed and small businesses, to buy affordable health coverage that is similar to the plan available to members of Congress. The new plan was to include: Guaranteed eligibilityNo one would be turned away from any insurance plan because of illness or pre-existing conditionsComprehensive benefitsAffordable premiums, co-pays, and deductiblesEasy enrollmentPortability and choice Employers that did not offer or make a significant contribution to the cost of quality health coverage for their employees would be required to contribute a percentage of payroll toward the costs of this plan. Most small businesses would be exempt from this mandate. The Obama plan required only that all children have health care coverage. McCains Health Care Plan John McCains health care plan was designed to control health care costs and to deregulate, and thus enrich, the healthcare industry, and was not necessarily designed to offer health care coverage to the uninsured. For consumers, the McCain plan: Required that insurance policies from employers be included in employees taxable income, along with salary and bonuses, thereby causing employees income taxes to increase;Then provided a $5,000 tax credit to partially offset increased income taxesDeleted the employee health care insurance income tax deduction for all employers Innumerable experts predicted that these massive McCain changes would: Cause the taxable income of the average family of four to rise by about $7,000Cause employers to drop health care insurance for employeesCause an increase, not decrease, in Americans without health care coverage McCains plan was intended to push millions of Americans into the market to buy their own individual health care policies, which will be offered by a newly deregulated health care insurance industry. Newsweek reported, The Tax Policy Center estimates that 20 million workers will leave the employer-based system, not always voluntarily. Midsize and smaller companies are likely to drop their plans ... CNN/Money added, McCain sorely lacks a plan for people in their 50s without corporate benefits, and Americans with pre-existing conditions, who would be brutally stripped of coverage if insurance crosses state lines. Observed blogger Jim MacDonald: The result ... won’t be healthy competition that will lower costs for everyone. It’ll be higher costs and fewer options for the poor, the old, and the sick. That is, the people who need health care. Young, healthy, rich people won’t be affected ... Obamas Plan: The Only Viable Choice Obamas plan fairly and inexpensively ensured that all Americans have access to quality health care services, but without the government providing those services. McCains health care plan was intended to free the business community from providing for its employees, to enrich the health care insurance industry, and increase income taxes for all Americans. But not to provide health care services for the uninsured. For anyone who valued their health care insurance, Barack Obama was the only viable choice for president. Withdrawal of Combat Troops from Iraq Barack Obama bested Hillary Clinton by a small margin for the 08 Democratic presidential nomination due mainly to their differing positions on the Iraq War, especially at the wars inception in 2002. Sen. Hillary Clinton  voted yes in 2002  to give the Bush administration authorization to attack and invade Iraq. Sen. Clinton rightfully believes that Congress was misled by Bush, and after a while, she admitted her regret for her vote. But Clintons 2002 support for the unpopular war was brutal fact. In contrast, Barack Obama famously  spoke out in late 2002 against the Iraq War  before Congress voted, declaring: I dont oppose all wars. What I am opposed to is a dumb war. What I am opposed to is a rash war. What I am opposed to is the cynical attempt ... to shove their own ideological agendas down our throats, irrespective of the costs in lives lost and in hardships borne. What I am opposed to is the attempt by political hacks like Karl Rove to distract us from a rise in the uninsured, a rise in the poverty rate, a drop in the median income, to distract us from corporate scandals and a stock market that has just gone through the worst month since the Great Depression. Obama on the Iraq War Obamas stance on the Iraq War  was unambiguous: He planned to immediately begin to remove our troops from Iraq. He promised to remove one to two combat brigades each month and to have all of our combat brigades out of Iraq within 16 months. Once in office, however, Obama stuck to the Bush administration timetable of complete withdrawal by December 31, 2011. Under an Obama administration, the U.S. would not build or maintain any permanent bases in Iraq. He planned to temporarily maintain some noncombat troops in Iraq to protect our embassy and diplomats, and to complete the training of Iraq troops and police forces, as necessary. Also, Obama planned to launch the most aggressive diplomatic effort in recent American history to reach a new compact on the stability of Iraq and the Middle East. This effort would include all of Iraq’s neighbors, including Iran and Syria. McCain on the Iraq War McCain, a third-generation Naval officer, voted in 2002 to give President Bush full authority to attack and invade Iraq. And hes continually served as supporter and cheerleader for the U.S. War in Iraq, albeit with occasional objections to strategies. At the 08 Republican Convention and on the campaign trail, McCain and running mate Palin frequently proclaimed a goal of victory in Iraq and scoff at withdrawal timetables as foolish and premature. McCains website proclaimed, ... it is strategically and morally essential for the U.S. to support the Government of Iraq to become capable of governing itself and safeguarding its people. He strongly disagrees with those who advocate withdrawing American troops before that has occurred. McCain took this stance: Despite the  $12 billion monthly pricetag  to U.S. taxpayersDespite the fact that the Iraqi government had a substantial budgetary surplusDespite mounting deaths and permanent maimings of U.S. soldiersDespite exhaustion of U.S armed forcesDespite the crippling effect the Iraq War has on U.S. armed forces abilities to address other conflicts and emergencies Gen. Colin Powell, former Chairman of the Joint Chiefs of Staff and former secretary of state, disagreed with McCain, as did Gen. Wesley Clark, former Supreme Allied Commander Europe of NATO, and as did dozens of other retired generals, admirals and other top brass. The Bush administration also disagreed with John McCain. On November 17, 2008, the Bush administration and the Iraqi government signed a status of forces agreement to begin troop withdrawals. Even Gen. David Petraeus, often referred to with great reverence by McCain,  told the British press  that he would never use the word victory to describe U.S. involvement in Iraq and  commented: This is not the sort of struggle where you take a hill, plant the flag and go home to a victory parade ... its not war with a simple slogan. The hard truth is that John McCain, Vietnam War POW, was obsessed with the Iraq War. And he couldnt seem to shake his angry, unhealthy obsession despite either reality or exorbitant cost. Voters Wanted Out of Iraq Per  CNN/Opinion Research Corp. polling  from October 17 to 19, 2008, 66% of all Americans disapproved of the Iraq war. Obama was on the correct side of this issue, according to the voting public, especially per the centrist, swing voters who decide most election outcomes. Obama won the 2008 presidential election in part because he consistently exhibited wise judgment on the Iraq War, and because he insisted on the correct course of action. Joe Biden as Running Mate Sen. Barack Obama won the presidency in part because of his wise selection of highly experienced, well-liked Sen. Joe Biden of Delaware as his vice-presidential running mate. The first job of the vice president is to assume the presidency should the president become incapacitated. No one doubted that Joe Biden was fully prepared to become President of the United States, should that terrible occasion have arisen. The second job of the vice president is to be of constant counsel to the president. In his 36 years in the U.S. Senate, Biden was one of the  most respected American leaders on foreign policy, the U.S. judiciary, crime, civil liberties, and many other vital areas. With his gregarious, warm personality, Biden was suited to offer direct, smart counsel to the 44th president, as he has done for many other U.S. presidents. As an added bonus, the working chemistry and mutual respect between Obama and Biden were excellent. For Americans concerned about Barack Obamas level of experience, Joe Bidens presence on the ticket added a large dose of gravitas. Had he selected one of the able, but far less experienced candidates on his short list (Kansas Gov. Kathleen Sebelius and Virginia Gov. Tim Kaine, to name two top contenders), Barack Obama may have been less likely to reassure a majority of voters that the Democratic ticket was experienced enough to tackle the days tough issues. Joe Biden vs. Sarah Palin Joe Bidens deep grasp of the issues, appreciation of U.S. history and laws, and steady, experienced leadership were in jarring contrast to that of Alaska Gov. Sarah Palin, the Republican vice-presidential candidate. Republican nominee, 72-year-old John McCain, has wrestled with three episodes of melanoma, the most aggressive form of skin cancer, and had an in-depth skin cancer check every few months. McCains serious health challenges greatly increased the risk that he could become incapacitated and/or pass away in office, which would have required his vice president to become president of the United States. It was widely recognized, even by a plethora of conservative pundits, that Sarah Palin was wholly unprepared to assume the presidency. In contrast, Joe Biden was widely regarded as well prepared to assume the presidency.

Fineprint Case Study - 1033 Words

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Elizabeth The First Was The Queen Of England And Ireland

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Data Analysis in Business Skills

Question: Discuss about the Data Analysis in Business Skills. Answer: Introduction This report is based on the competitive and marketing analysis of the Monash University. The marketing analysis of the Monash University helps to identify its strategic position, opportunities, and threats in the Australian market. Moreover, in this report, it analyses the various models like PEST analysis, Competitor analyses, SWOT analyses, Value position analyses, segmentation and target market analysis to evaluate the strategic capabilities in the market. These models help the university to measure the degree of its competitiveness. It also helps to take strategic decisions in the long term which benefits to generate sufficient revenue. Monash University is an Australian University located in Melbourne, Australia. It was founded in the year 1958.It is second oldest university in the state of Victoria. It is listed under top 10 Universities of Australia. The University is largest in students body size around 40,300 includes national and international students and it has seven local and international campuses (ABS, 2017). It provides a lot of undergraduate and postgraduate courses to the students and mainly focuses on the research field. Moreover, Monash also partnership with government, NGOs and companies to get relevant and updated information on current issues and trends that could be updated their syllabus and students can gain the updated knowledge which is useful for current and global context. Moreover, University provides the practical learning environment to the students so that they can apply their learnings in their career advancement (Australianuniversities, 2017). It provides the happening campus life, scholarship programs and flexible tuition fees for students. The University management makes strategic decisions to remain competitive in an Australia. Market Summary and Demand Assessment of Monash University Monash University marketing plan is to develop the effective strategy to remain competitive in the market. The University updates their syllabus according to the current trends of the market. also it focuses on the research part of their curriculum. Monash University aware students and regular update their courses according to the changing trends of the market. The marketing summary of the university is to give practical learning to their students so that they can enhance their capabilities in corporate culture (Monash University, 2017).Demand assessment refers that the overall demand of the University in the Market. The University has enrolled the highest number of local and international students in the Australia in past recent years. The practical learning approach and focus on research-based study makes their demand high in the market. The well qualified staff, good campus life, flexible fees structure and full time resident program make the students different in the competitive world. Target market and Segmentation of Monash University The target markets of the Monash University are local and international students for their different courses. Moreover, the university targets the students organizations and high qualified faculty that helps its to accomplish its objectives. In future, the university will target the working professionals for their executive programs. The main aim of the university is to provide the quality education to their students. The segmentation of the Monash university is focus on the below areas (Intead, 2017). In the above given figure it depicts that the Universitys segment market is aspiring students, working professionals, beginners and industry professionals. In every segment Monash provides the quality, innovative and practical approach in their curriculum. Current Marketing Mix Analysis Monash University implements the four Ps of marketing mix strategy i.e. Product/Service, Price, Distribution, and Promotion. The Below given table indicates the short description of marketing strategy. Product It includes the Universities updated programs or courses for the students for various streams. The courses offered by the university in the field of Engineering, IT, Business and Pharmacy for all students (Lilien and Grewal, 2012). Distribution The university offers the full-time residential programs and distance learning certifications for international and local students. Along with this it also offers the courses for Working professionals who wants to get early promotions in their company. This strategy helps University to get higher enrollments. Price Monash University adapts the flexible pricing strategy for the students according to their aptitude exams scores. The university gives the scholarship to the students on the basis of their scores in ILETS and TOEFL (Gajic, 2012). Promotion The university used the print and electronic media (Newspapers, TV, Ads, Social media and Hoardings) for promotions. Along with that, the university participates in education fair every session to get a maximum number of admissions for their offered courses. PEST Analysis Political Factors The Australian government has taken many initiatives in the field of education programs. Australia literacy rate is good i.e. 96% both in male and females at the age of 15-24 years in 2013.The stable Australian political environment supports University to provide an excellent education to their students (ABS, 2017). Economic Factors It is one of the largest capitalist economies in the world. The service sector contributes maximum in their economy. The current employment rate is 61% that is higher as compared to last year (Austrade, 2017). These factors help the university to encourage maximum students to pursue their studies. Social Factors The mixed culture, high literacy rate and modern living standards of the people encourage students towards good education. The good social values support University to maximum registrations in different courses. Technological Factors The government spends majorly in technology and infrastructure. These investments help University to provide updated courses for students. Though, huge investments of government it is beneficial for students to become a good entrepreneur. Competitor Analysis The Literacy rate increases in Australia in the past recent years. Moreover, Australia is the most excited college destination choice for the local and international students. According to the latest survey of education consultants, it depicts that 88% of students are satisfied with Australian education. Moreover, 65% of the international students pursue their studies from Australian universities (UNESCO, 2017). These studies and factors make the environment competitive in the education field. Moreover, there are many competitors exists in the market which offers the same courses at attractive prices and benefits. Monash adopts the flexible fees structure, practical learning approach and industry oriented courses to remain competitive in the market. Moreover, Monash recruits the experienced faculties and continuously innovations in their syllabus according to the changing market trends. The Below given table depicts the list of competitors and their strengths and weaknesses. Name of Competitors Strength and Weakness 1) Australian National University Variety of courses and good reputation in market Fees structure is high as compared to other universities 2) University of Melbourne Industry oriented learning approach Limited presence 3) University of Sydney Facilities and amenities are good Focus more on theoretical approach. SWOT Analysis SWOT analysis helps the University of assess its main factors to become competitive in the market. Strengths Oldest University and highest students enrollments every year. High Interaction with students and faculty Practical learning approach Industry oriented courses at flexible prices Good environment and infrastructure (van Wijngaarden, 2012). Weaknesses Lack of funding and financial support for faculty scholarship Teaching approach is tough that makes it difficult for students to understand the concepts Focus more on research studies only Resources are not adequate for recruitment, selection, retention, and marketing Opportunities Online education opens more opportunities for University to capture high market share Education reforms in many countries that benefit the University to target more students Australian government flexible policies in the areas of education enrichment International and Off-campus (distance learnings programs) Migration of International students for higher studies is increasing in recent years. Threats High competition in the education field Retention of qualified faculty is difficult for the university if higher salaries are offer from competitors (UIS, 2017). Value and Brand Positioning Analyses Monash University is developing its reputation and value due to its advanced and updated teaching methods. Moreover, it is also the oldest university in the Victoria State. The industry-oriented learning approach and flexible fees structure with good amenities positioned distinct in the Australian education sector. Besides this, the University supports the students through their online and executives programs which help to cater the current needs of the corporate environment. Simultaneously university conducts the training and career progression programs for the students to enhance their capabilities and learning skills (MU, 2017). The Universities also tie up with the different communities to enhance their brand value in the market. Conclusion As per the above report analysis, it is concluded that Monash University has performed well in the education industry. It is the leading university with the highest number of national and domestic students. Moreover, it is also found that the various marketing and communication models effectively generate the positive results for the university that will benefit to remain competitive in the industry. Internal and external analysis like PESTLE, SWOT, and Competitive and value analysis reveals the opportunities and issues present in the industry. References Australianuniversities (2017). Australian Universities [Online] Retrieved from https://www.australianuniversities.com.au/profiles/monash-university-monash.html Monash University (2017). Courses [Online] Retrieved from https://www.study.monash/courses Intead (2017). You have your student segmentation, now what? [Online] Retrieved from https://services.intead.com/blog/you-have-your-student-segmentation-now-what Gajic, J., (2012). IMPORTANCE OF MARKETING MIX IN HIGHER EDUCATION INSTITUTIONS, Singidunum journal 2012, 9 (1): 29-41. Peter, J. P., and Donnelly, J. H. (2011).Marketing management: knowledge and skills: text, analysis, cases, plans. Plano: Business pub., INC. Lilien, G. L., and Grewal, R. (2012).Handbook on business to business marketing.USA: Edward Elgar Publishing. Austrade (2017). Australia Unlimited [Online] Retrieved from https://www.austrade.gov.au/ UNESCO (2017). Education : Literacy rate [Online] Retrieved from https://data.uis.unesco.org/Index.aspx?queryid=166 van Wijngaarden, J. D., Scholten, G. R., and van Wijk, K. P. (2012). Strategic analysis for health care organizations: the suitability of the SWOT?analysis.The International journal of health planning and management,27(1), 34-49. UIS (2017) Strengths, Weaknesses, Opportunities, and Threats (SWOT) Analysis [Online] Retrieved from https://www.uis.edu/strategicplan/plan/sectiontwo/strengths/ Monash University (2017) MBA5707 - Data analysis in business.[Online]. Retrieved from https://www.monash.edu.au/pubs/handbooks/units/MBA5707.html Landzine (2017). Monash University Caulfield Campus Green.[Online]. Retrieved from https://www.landezine.com/index.php/2015/11/monash-university-caulfield-campus-green-by-taylor-cullity-lethlean/ Landzine (2017) Monash University Caulfield Campus Green.[Online]. Retrieved from https://www.landezine.com/index.php/2015/11/monash-university-caulfield-campus-green-by-taylor-cullity-lethlean/ ABS (2017). Australian Social Trends, Dec 2011 [Online] Retrieved from https://search.abs.gov.au/s/search.html?query=Monash+Universitycollection=absform=simpleprofile=_default