Wednesday, August 26, 2020

Palestine israeli conflict for international relations class Research Paper

Palestine israeli clash for universal relations class - Research Paper Example The regular thing in the two points of view of the Israeli and Palestinian clash is that the primary explanation is on the issue of land and there are not kidding outcomes that go with the contention. There has been loss of land, loss of lives and movement of the individuals from their genealogical terrains so as to acquire wellbeing in different nations. The exploration on universal relations identify with the Palestinian Israeli clash. The examination paper analyzes the contention from a Palestinian point of view. The exploration will lead an investigation of the reason for the contention, which comprise the components that prompted the beginning of the battle. The historical backdrop of the contention helps in understanding the causes, impacts, mediations, and eventual fate of the contention. The two gatherings could simply have handily settled their contentions genially, yet this has not been the situation. The two regions have seen the requirement for proceeding to battle a war that began route before they existed. The assistance from outside gatherings in attempting to parley the contention have additionally driven the nations into further and progressively genuine proportions of managing the contention. There are a few effects that have come about because of the contention. Israel, for instance, has become a profoundly mobilize d nation, with each sexual orientation from the adolescent years turning out to be full warriors. It is a transitional experience for the youngsters to become troopers when they arrive at a particular age. For the Palestinians, the persecution they have endured on account of the Israelis has caused them to have a great deal of abhor and doubt for the Israelites. The Palestinians likewise don't have trust in the outside gatherings who have had a past filled with preferring the Israelites over them when it went to the contention. The Palestinians further fault outside powers for vigorously adding to the battle. From the Palestinian point of view, the Palestinians are the wronged party, and they would not surrender to the Israelites. They need vengeance and

Saturday, August 22, 2020

Confession Essays (269 words) - Criminal Procedure, Criminal Law

Admission Twofold Jeopardy Respondent is permitted to turn down their entitlement to a lawyer/legal counselor and speak to themselves in court. Respondent is permitted to turn down their entitlement to primer hearing and go direct to preliminary. The respondent is allowed the utilization of a private agent. State is lawfully committed to give all the proof to the respondent so they can set up their barrier. Under the California Penal Code, the respondent is permitted to be absolved (liberated from their charge) on the ground that the proof under the steady gaze of the court is deficient to support a conviction. An individual can't go to preliminary if there was a past preliminary towards that individual with similar charges, regardless of whether new proof is raised. Known as Double Jeopardy. I think the best piece of the film is the point at which the crowd discovers that Mr. Crawford is accused of new charges and Willy has the proof to convict Crawford for killing his own better half. I think this is the best piece of the film since it is the huge defining moment of the film. Here, we discover that Willy has firearm that Mr. Crawford utilized and an admission to convict him for murdering his own better half. I think this film merited review for our subject. In Forensic Science, the law and court is included and I figure this film works admirably at depicting the court and how proof is taken care of. Inquiries for test. What is Double Jeopardy? How did Willy lose the case? How did Willy make sense of that Mr. Crawford exchanged the weapons with the official (Robert Nunally)?

Friday, August 21, 2020

How to Create a Unique Value Proposition

How to Create a Unique Value Proposition Entrepreneurship is often painted as a rosy and glorious endeavor. The plot is almost always the same â€" start a business, make millions in a few years and then sit back to enjoy your success, travelling the world and sipping mojitos under the Caribbean sun as the money flows into your account. In reality, things are not so rosy. The world of business is a tough one.The competition is stiff, and if you want to succeed, you have to stand out from the crowd and showcase your awesomeness to prospective clients. You have to show your uniqueness, the need that you alone can fulfill.Without this, your brand will drown in the noise of the competition and your dreams of success and mojitos will soon be nothing more than nostalgic memories. If you don’t want to go down this route, you need to start thinking about crafting a unique value proposition for your business.A value proposition is one of the most important conversion factors. It determines whether a prospective customer will buy fr om you or move on to your competitor. It is the secret sauce that makes customers pay attention to your products and services even when competitors are offering similar products and services at cheaper prices.The less know your company is, the more important your value proposition, which is why you need to nail your value proposition right from the start.Today, we have come up with a handy guide to walk you through the process of creating a unique value proposition for your business.But before we get into the process, let us first understand what exactly a value proposition is.WHAT IS VALUE PROPOSITION? In order to understand value proposition, you first need to understand why customers buy from you. Customers don’t just buy from you because you are selling a product they need. After all, you are not the only one selling the product. Customers buy from you because you fulfill their needs in a way no other company can.Either you help them save time, you eliminate an inconvenience t hat your competitors do not, you give them extra value for their money, you offer experience or resources that your competitors don’t, and so on. That unique way in which you fulfill your customer’s needs is your value proposition.Also known as a unique selling proposition, your value proposition is your unique position within the marketplace that separates you from and gives you an edge over your competitors. It explains what benefit your products and services provide, who the benefit is meant for and how uniquely well you provide the benefit.In other words, it describes your target audience, the problem you are solving for them and why you are best placed to solve the problems compared to any alternatives your target audience might have. Without a unique value proposition, your customers have no reason to buy from you instead of your competitors.You should avoid mistaking your unique selling proposition for a slogan, a tagline, or a positioning statement. This is a mistake tha t many business owners make often. While taglines, slogans and positioning statements are important accessories to your brand, they don’t wield much influence over a customer’s decision to buy.It does not matter how good your slogan is, a customer will not buy from you if you are not solving their problem in the best way possible. Your selling proposition shows the customer that you will not only solve their problem, but that you are also the best person for the job. In a nutshell, a great unique value proposition should have:Relevancy â€" explains how your products and services solve customer problems or how they improve the customer’s situation.Quantified value â€" should show the specific benefits customers will derive from your products and services.Unique differentiation â€" should show customers why they should buy from instead of your competitors.When creating your unique value proposition, you should use the language of your consumers.A common mistake that business own ers make often is to use fancy buzzwords when coming up with a unique value proposition. How many times have you seen companies claiming that they have ‘miracle products’ that provide benefits that have ‘never been seen before’, or words like ‘value added interactions’?Such phrases only hype a product or service without showing any tangible benefit for the customer and should therefore be completely avoided when creating your value proposition.Instead of such phrases, your value proposition should be clear, direct, bold, and factual. It should describe your products and the problem they are solving the same way customers describe it (how many times have you heard customers looking for a product that provides value-added interactions?).This means that you need to step outside the office and talk to your customers in order to find out what exactly their problems and needs are.WHY IS A UNIQUE VALUE PROPOSITION IMPORTANT?When getting started, many business make the mistake o f trying to do a lot of things. They try to solve different problems for different people, and they want to do it well.For instance, someone launching an online fashion retail shop might attempt to be well known for high quality shoes, best looking t-shirts, most glamorous wedding dresses and lowest prices. Someone launching a restaurant might try to be known for the best fries and the best coffee and the juiciest ribs.The problem with this approach is that when you try to become known for everything, you end up without being known for anything.Businesses with a unique selling proposition don’t try to be everything for everyone. Instead, they focus on something specific and then become known for being the best in that particular thing.This not only allows them to provide the best possible value to their niche, but it also cuts out the number of businesses they have to compete against. Going back to our two examples above, let’s assume that a bride-to-be is looking for a dress fo r her approaching wedding. Will she opt for the retailer that also sells shoes, t-shirts and jeans or one whose sole focus is wedding dresses?If you are want to eat some well-made pork ribs, will you opt for a restaurant that tries to have the best coffee, the best fries, the best burgers and the best ribs, or one whose sole focus is well-done pork ribs?In both cases, I’m assuming you’d go for the latter option, because of their unique value proposition. They are not trying to be everything for everyone. Instead, they are focused on solving a single problem in the best possible way.In addition to helping you stand out and create a strong difference between your business and your competitors, a unique value proposition also has several other benefits, which include:Helps you make a strong first impression.Helps you attract the right prospects, thereby increasing both the quality and the quantity of your leads.Helps you improve your operational efficiency.Helps you increase your r evenue.Helps you gain market share in your targeted niches.Helps increase your conversion rate since you speak directly to your targeted niche and provide solutions that are specific to their needs.Ultimately helps you to increase the lifetime value of your customers.TIPS ON HOW TO CREATE A GREAT UNIQUE VALUE PROPOSITIONComing up with a great value proposition takes a lot more than coming up with a creative slogan.You need to know your business and your customers inside out and understand how your products and services fit into the market.Below are some tips you need to keep in mind when coming up with a great value proposition for your business.Define Your Buyer PersonaThe first step of creating a great value proposition is to define who you are trying to market your products and services to.A value proposition is not meant to appeal to everyone with enough money to purchase your products and services. Instead, you want your value proposition to speak directly to a specific segment of the market, so your first step is to determine who this segment is.Which people will buy your products and services?Whose problems are you trying to solve. Don’t make the mistake I mentioned above of trying to be everything to everyone. That just doesn’t work. If you are solving a problem for brides-to-be, focus on brides to be.If you are solving problems for entrepreneurs who just started their first business, focus on them and forget about seasoned entrepreneurs who have launched a string of successful businesses.Don’t be lazy when it comes to defining your buyer persona [link to article on Buyer Personas]. You should research and find out as much as you possibly can about them. Some questions you should consider in this stage include: Who are your target customers? What is their age group? What is their gender? Where do they live? Are they married or single? Do they have kids? How much money do they earn? Where do they like spending their free time? What are their great est problems?The idea is to fully understand your target customers so that you can come up with a message that speaks specifically to them, a message that they can identify with. For instance, if you are selling wedding dresses, instead of trying to sell to everyone, you might focus on customers who want a lavish and exquisite wedding.With this in mind, you should have a clear understanding of the things that your target customers (those who want a lavish wedding gown) look for in wedding dresses, the anxieties they have about their wedding dresses, how much money they are willing to spend on a wedding dress, and so on.Research Your CompetitorsRemember, the main aim of a unique value proposition is to set yourself and your business apart from your competitors. In order to do this, you need to know who your competitors are and their way of doing things.Just like you did with your target customers, conduct a competitor research and try to find out as much as you can about them.Find an swers for questions like: Who are your competitors? What is their mission statement? How are their products and services similar to yours? How do they differ from yours? What kind of staff do they employ? What is their business model? How is it similar to or different from yours? What customer segment are they serving? How do they serve their customers? What do their customers like about them and their products or services?Researching about your competitors allows you to identify sections of the market that they are not covering well and other weaknesses in their strategy. You can then exploit their weaknesses and focus on areas they do not cover to differentiate yourself from them.It is impossible to differentiate yourself without first knowing what others in the same field are doing and then coming up with a way to do it better.Identify What is Unique and Compelling About Your Product or ServiceNext, you need to look keenly at the product and service you are offering and find out what makes it different from the other alternatives available in the market. Compare your products and services to those of your competitors. What can your products do better? What benefits or value do they provide that competitors’ products do not? Do your products help customers do their work faster? Are they easier to use? Do they use energy more efficiently? Are they cheaper?A good way identifying something unique and compelling about your product or service is to examine it through a technique known as the 3Ds technique.This technique involves checking whether your product or service meets the three Ds, which are Discontinuous innovation, Disruptive business models and Defensible technology. Below is a deeper explanation of the 3Ds technique:Discontinuous innovations â€" Does your product or service offer transformative benefits over other existing products by approaching the problem differently, instead of offering marginal improvements?Disruptive business models â€" Does yo ur product or service provide value and cost benefits that can help spur the growth of a business?Defensible technology â€" Does your product or service have intellectual property that you can protect to deny competitors entry and thereby gain competitive advantage?If your product or service checks any of the three boxes, you have found something unique about your business. If it checks all three boxes, you have something unique and compelling on which to base your value proposition.Another technique you can use to find a unique selling point is to dig deeper into the reasons that people are buying your products. Apart from the obvious reason, there is usually a deeper reason why people buy stuff. On the surface, it might appear that someone buying a milk shake at McDonald’s in the morning is doing so because they are hungry.Upon further investigation however, they might be buying the milk shake because they want something to keep them occupied during a long and boring drive to wo rk. Similarly, it might seem that someone who bought a Mercedes did so because they needed a vehicle for the commute to work. Why not buy a cheaper Toyota then?Upon further investigation, it becomes apparent that they bought the Mercedes because they want to improve their social status.With this is mind, try to find out the deeper, psychological reason why people are buying your products and then use it to come up with a value proposition for your products. For instance, if you are a career coach, it is obvious that anyone who buys your coaching class wants to improve their career.But why do they want to improve their career? Probably so that they can be paid more. But why do they care about being paid more? Probably so that they can buy their dream car or home, or go for the vacation they have always been dreaming about.So, in this case, you are not merely helping people improve their careers, you are actually helping them live out their dreams. You can use this in your value propo sition to show the actual value clients stand to gain by purchasing your products or services.Another option is to think about something about your product that goes against the grain, something that is not in line with your particular industry. For instance, let’s assume you are a martial arts coach who wants to launch a martial arts coaching class. Martial arts is typically male dominated.If you set up a martial arts coaching class specifically for women, you can use this in your unique value proposition. This will resonate with all the women who have always wished to take martial arts classes but could not because they found it intimidating to train together with men.In this case, you show that your business is unique by providing a safe place for women to train in martial arts.Dispel Myths and StereotypesAnother great way of coming up with a unique value proposition for your business is to dispel common myths and stereotypes about your industry. For instance, the auto repair i ndustry is well known for dishonesty. There is no shortage of scams and rip-offs that auto repair mechanics use to get an extra buck from car owners, especially women.In such a situation, if your business can buck the stereotype and provide honest service to car owners, you can use that promise as your unique value proposition. However, you should be ready to follow through with your promise. Don’t promise honest repairs and charges only for a customer to be charged for a repair that wasn’t actually done.With these tips, you will be able to come up with a great unique value proposition that sets your business apart from the competition and shows prospective customers why you are the best person for the job.EXAMPLES OF GREAT UNIQUE VALUE PROPOSITIONSBelow are three examples of great unique value propositions.UberUber’s value proposition is that they provide the smartest and most convenient way to get around. Their value proposition is captured in the following words:Tap your ph one. Get where you are headed.Uber differentiates itself by showing the convenience it offers over the traditional taxi industry that it came to disrupt. No calls to dispatchers, no difficult conversations trying to explain where you are or where you want to go, no worrying whether you have enough change in your pocket. Simply tap and ride.What better way to set themselves apart from traditional taxis?StarbucksStarbucks’ value proposition is also surprisingly simple. They stand for and are well known for their premium coffee beverages. Their focus is on being the best providers of premium coffee beverages. They don’t try to be anything else. They don’t try to be the best coffee house with the lowest prices and the best sandwiches or the best smoothies.While you can also get teas, pastries and other treats in a Starbucks, premium coffee is their main focus. The rest are treats that they just happen to sell, which you can buy to go along with your delicious coffee.It is this uni que value proposition that has turned Starbucks into one of the most recognizable brands in America and the third-largest fast food restaurant chain in the world by number of locations.Apple iPhoneApple also nailed the iPhone’s value proposition. Below is the iPhone’s value proposition:Every iPhone we have made â€" and we mean every single one â€" was built on the same belief. That a phone should be more than a collection of features. That, above all, a phone should be absolutely simple, beautiful, and magical to use.With these words, Apple differentiates the iPhone from all other smartphones.With hundreds of phones in the market, Apple knew that trying to market the iPhone on its set of features wouldn’t work. After all, several other smartphones boast the same features.Instead, Apple decide to set the iPhone apart by offering a unique user experience that no other smartphone manufacturer could match. This simple value proposition has helped Apple remain at the top of the sma rtphone market for almost a decade.WRAPPING UPComing up with a great unique value proposition is about setting yourself apart from your competitors.To do this, you can’t attempt to be known for everything. Instead, focus on one thing that you can do better than anyone else and that you want to be known for and use it as your unique value proposition.Coming up with a great value proposition is also about making a connection with your audience and turning them into loyal brand ambassadors.

Sunday, May 24, 2020

Ted Hughes Birthday Letters - 1199 Words

BIRTHDAY LETTERS Introduction: Conflicting perspectives are different points of view expressed and influenced by ones context and values. â€Å"Birthday Letters† by Ted Hughes is an anthology of poems challenging the accusation that he was responsible for his wife, Sylvia Plath’s death. The three poems The Minotaur, Your Paris, and Red are an insight into Hughes justification of the death of Plath using a very subjective and emotive poetic form. The poems possess many deliberate techniques such as extended metaphors, connotations, diction and juxtaposition to encourage the audience to accept his argument that he was not the one to blame for this world renown tragedy. The poem Daddy by Sylvia Plath also displays conflicting perspectives of the†¦show more content†¦YOUR PARIS Quotes: The poem â€Å"Your Paris† indicates that from the beginning of their marriage, their perspectives on life were different, antagonistic. It also shows how Hughes was uncomprehending in the face of his wife’s personality and how he tried to come to terms with it. His version of the city was so different that â€Å"I kept my Paris from you†. It was the wartime city, occupied by the Germans, As Hughes registers their different responses to the city, and he finds a way of telling the truth about their different selves and the tension between them. The irony of this is that the situation is taking place on their honeymoon, although this is a biographical fact to which Hughes does not explicitly refer. That omission is suggestive of the problems of the relationship. Plath’s spoken responses to Paris, which enabled her to cope with the intensity of its impact upon her, produced a negative reaction in Hughes, â€Å"It was diesel aflame†, and â€Å"To the dog in me†. Conclusion: Your Paris is written from Hughes’s Perspective about Plath’s perspective, thus it is unclear whether Plath truly valued the significance of Paris. Hughes initial conflicting perspectives of Plath are represented in the poem. YOUR DADDY Quotes: In Plath’s poem ‘Daddy’, Hughes begins by pointing out that mere human beings were insufficient for Plath’s worship, she needed â€Å"a god†. The psychologicalShow MoreRelatedSha’Lynn Ayler . Mrs. Cowan. Honor English 12 4Th Block.1420 Words   |  6 PagesFebruary 2017 The Life of Ted Hughes In the â€Å"The Hawk in the Rain,† Ted Hughes writes, â€Å"I drown in the drumming ploughland, I drag up / Heel after heel from the swallowing of the earth’s mouth, / From clay that clutches my each step to the ankle / With the habit of the dogged grave, but the hawk/ Effortlessly at height hangs his still eye† (News about Ted Hughes†). This is Hughes’ first and most accomplished collection to this day. During the twentieth century Hughes produced some of his mostRead MorePeople s Love At First Sight By Sylvia Plath1567 Words   |  7 Pageslove at first sight. Sylvia Plath, an American writer, experienced the desirable moment the first time she saw Ted Hughes, an English poet (Middlebrook). The romantic relationship between Ted Hughes and Sylvia Plath grew instantly. They both shared a love of writing, but yet their relationship began to go downhill five years after their marriage (Popova). The marriage between Ted Hughes and Sylvia Plath was de structive because of Sylvia’s unstable mental health and Ted’s unfaithfulness, but it wasRead MoreA Brief Look at Ted Hughes646 Words   |  3 Pagesquote from Ted Hughes. Ted Hughes was a man of love. Hughes was known for many of his children books and famous poems. Hughes is also greatly known for holding the title of British Poet Laureate from 1984 until his death. Love was an important aspect of Ted Hughes life and two poems: Love Song and September. Ted Hughes was born August 17, 1930 in Yorkshire, England. His parents were Edith Hughes and William Henry. His father was a carpenter. Hughes had two siblings Owlyn and Gerald Hughes. At the ageRead MoreFlowered Memories: an Analysis of Ted Hughes Daffodils1319 Words   |  6 Pages‘Imagine what you are writing about. See it and live it. Ââ€"Ted Hughes, Poetry in the Making Edward James Hughes was English Poet Laureate from 1984 to his death in 1998. Famous for his violent poems about the innocent savagery of animals, Ted Hughes was born on Mytholmroyd, in the West Riding district of Yorkshire, which became the psychological terrain of his later poetry (The Literary Encyclopedia). He was married to the famous Sylvia Plath from 1956 up to her controversial suicide in 1956Read MoreTo What Extent Does Hughes Poem Your Paris Present the Main Issues of the Collection Birthday Letters?983 Words   |  4 PagesTo what extent does Hughes’ poem, ‘Your Paris’ present the main issues of Birthday Letters? (Reference to two other poems) Ted Hughes’ poem ‘Your Paris’ was written about Ted Hughes’ and Sylvia Plath’s visit to Paris shortly after their marriage on 16 June 1956. The poem is part of the collection ‘Birthday Letters’ published in 1998, 35 years after the suicide of Sylvia Plath and so is written (as most of the collection) with the benefit of Hindsight and so Hughes is able to relate their trip toRead MoreEssay about The Successful Career of Ted Hughes661 Words   |  3 PagesTed Hughes is a very successful author. There are many things that would allow you to come to this conclusion. Throughout his life, many things happened which helped contribute to his workings. Throughout his career he showed imagery, characterization, mystery, and irony techniques in his books and poems. The life of Ted Hughes contributed to many of his works. He is often referred to as one of greatest English authors in the twentieth century. He was born on August 17th, 1930 in Yorkshire. HisRead MoreAnalysis of Hughess You Hated Spain1097 Words   |  5 PagesIn You Hated Spain, Hughes explores the character of a woman and her relationship with her husband. You Hated Spain is set during the honeymoon of Plath and Hughes and is part of Hughes’ collection of poems titled Birthday Letters. Plath’s suicide was the result of a forced breakdown of communication with Hughes. Hughes’ use of free verse and enjambement creates a natural progression of thoughts. The autobiographical, ‘letter-writing’ genre suggests that these poems are a form of therapy, used toRead MoreHsc English: Conflicting Perspectives - Ted Hughes Poems985 Words   |  4 Pagescan do this by analysing the viewpoints presented by Ted Hughes’ confessional poems, The Minotaur and Red from his anthology The Birthday Letters (published 1998) and the feature article, Face of a People Smuggler by Fenella Souter, featured in Good Weekend (April 21, 2012). Through our analysis, we are able to separate fact from fallacy. The ‘truths’ presented by Ted Hughes’ The Minotaur are questionable because of the context in which Hughes released this poem. The Minotaur was published in 1998Read MoreTed Hughes: The Shadow of Sylvia Plath Essay example2299 Words   |  10 Pagesrecipient of both the Queen’s Gold Medal for Poetry and T.S. Eliot’s prize for poetry, Ted Hughes was an acclaimed poet. The shadow of Hughes late wife, Sylvia Plath, kept Hughes stagnant in his career, in which he was known as â€Å"Her Husband† (Middlebrook). Hughes most recent collection of poems, Birthday Letters, took him over twenty-five years to write, and contains poems which recount the marriage of the couple. Hughes wrote the poems as a loving gesture towards Sylvia, but the poems were misinterpretedRead MoreConflicting Perspectives - Hughes1429 Words   |  6 PagesTogether the works of Ted Hughes, Christine Jeffs and J.D Salinger combine to enhance an understanding of the concept of conflicting perspectives. The audience can see that there is a great deal of ubiquity in relation to Conflicting Perspectives. Ted Hughes’ poetry gives his account of a tumultuous part of his life whilst Christine Jeff’s film portrays a different point of view than that given by Hughes’. It is through looking at Salinger’s novel, that the role of the authorial voice in contrast

Wednesday, May 13, 2020

Study On Suggestions By Banks To Rbi Finance Essay - Free Essay Example

Sample details Pages: 4 Words: 1312 Downloads: 10 Date added: 2017/06/26 Category Business Essay Type Analytical essay Did you like this example? Banks are of the opinion that it would ease the processes if regulator comes up with industry wise correlation. RBI guidelines are broader in nature. They should be more indicative. Don’t waste time! Our writers will create an original "Study On Suggestions By Banks To Rbi Finance Essay" essay for you Create order The document requirement for complying by the guidelines of RBI and Basel are highly centered according to international banks. Some scenarios are not at all relevant to Indian markets. Hence there is a need to revise the framework of guidelines with an Indian perspective so that the fatigue of writing so many documents can be done away with. RBI has modified the CRAR from 8% to 9%. This makes capital a limiting factor. Hence it restricts the natural growth of the bank. Hence the regulator should reconsider this. The terms used in the guidelines issued are directly picked from the documents in Basel or those finding implementation in foreign countries. The terms should be explained more correctly to all the banks. Conclusion Worldwide, there is an increasing trend towards centralizing risk management with integrated treasury management to benefit from information synergies on aggregate exposure, as well as scale economies and easier reporting to top management. Keeping all this in view, the Reserve Bank has issued broad guidelines for risk management systems in banks. This has placed the primary responsibility of laying down risk parameters and establishing the risk management and control system on the Board of Directors of the bank. However, it is to be recognized that, in view of the diversity and varying size of balance sheet items as between banks, it might neither be possible nor necessary to adopt a uniform risks management system. The design of risk management framework should, therefore, be oriented towards the banks own requirement dictated by the size and complexity of business, risk philosophy, market perception and the existing level of capital. While doing so, banks may critically evaluate their existing risk management system in the light of the guidelines issued by the Reserve Bank and should identify the gaps in the existing risk management practices and the policies and strategies for complying with the guidelines. Credit risk management: Risk management has assumed increased importance of regulatory compliance point of view. Credit risk, being an important component of risk, has been adequately focused upon. Credit risk management can be viewed at two levels-at the level of an individual asset or exposure and at the portfolio level. Credit risk management tools, therefore, have to work at both individual and portfolio levels. Traditional tools of credit risk management include loan policies, standards for presentation of credit proposals, delegation of loan approving powers, multi-tier credit approving systems, prudential limits on credit exposures to companies and groups, stipulation of financial covenants, standards for collaterals, limits on asset concentr ations and independent loan review mechanisms. Monitoring of non-performing loans has, however, a focus on remedy rather than advance warning or prevention. Banks assign internal ratings to borrowers, which will determine the interest spread charged over PLR. These ratings are also used for monitoring of loans. A more scientific Quantitative approach is the need of the hour. Market risk management: Asset Liability Management as a risk management technique is gaining in popularity as banks are beginning to recognize the need for proper risk management. The challenge for the banks therefore is to put in place the necessary infrastructure that can help them derive the utmost benefit from ALM. The banks progress in Asset Liability Management will depend on the initiatives of their management rather than on RBI supervision. Given the existing hurdles, the evolution of ALM in commercial banks will be a slow process. ALM has evolved since the early 1980s. Techniques of ALM have also ev olved. The growth of OTC derivatives markets has facilitated a variety of hedging strategies. A significant development has been securitization, which allows firms to directly address asset-liability risk by removing assets or liabilities from their balance sheets. Thus, the scope of ALM activities has widened. Today, ALM departments are addressing (non-trading) foreign exchange risks as well as other risks. Corporations have adopted techniques of ALM to address interest-rate exposures, liquidity risk and foreign exchange risk. Thus it can be safely said that Asset Liability Management will continue to grow in future and an efficient ALM technique will go a long way in managing volume, mix, maturity, rate sensitivity, quality and liquidity of the assets and liabilities so as to earn a sufficient and acceptable return on the portfolio. Operational risk management: The best defense against operational risk is to have effective systems and controls. These need to be appropriate to t he risks and as easy as possible to understand, implement and monitor. There is a strong common interest here between the regulator and a banks senior management. An intensified interest by the latter in everyday operational losses is likely to reduce the possibility of large losses, improve general risk awareness in a company and the regulator will feel that the interests of the consumer are being better safeguarded. When considering operational risk, the regulator faces a similar dilemma to the bank: where are the main risks, how can they best be controlled, and what level of capital can reasonably be required? In future, it is likely these questions will become even more pertinent. This is not least because regulators, in line with some banks, are carving out capital to be held specifically against market, credit and operational risk. But it is also because regulators have come to think that operational risk may not be significantly correlated with either of the other two types o f risk categories. However, as was the case with the original regulatory capital ratio set by the Basle Committee, the only real touchstone for this is some sort of reference to current aggregate capital. Another option for the regulator would be to refer to benchmark loss experiences. The problem here is that the data are often not obtainable availability differs from country to country and business to business and may not be suitable for operational risk throughout the bank. The regulator could, alternatively, rely on internal economic capital allocation. Perhaps what is needed most is time. One thing is clear, and it is that there are more questions than answers around operational risk for both banks and regulators. Consequently, both parties will need, in the immediate future, to enter into an open and technical discussion of the way forward. Supervision process: Before 1950s regulation and supervision by RBI was not that stringent as the banking activity was limited to col lection of deposits and issue of loans. Moreover, there was no separate comprehensive enactment for the banking sector. With the introduction of the Banking Companies Act, 1949, (later Banking Regulations Act, 1949) the scope of RBI supervision broadened over the years, necessary changes in the supervisory system have been made to meet with the new challenges emerging in the financial sector. In the wake of rapid changes in the financial sector such as emergence of Universal Banking, introduction of Securitization, integration of various markets, etc. a lot of preparations for further strengthening the supervisory mechanism is required, not only on the part of RBI but by individual banks also. World over the way financial markets are integrating day by day, risk is continuously increasing. RBI, keeping in view international best practices has already taken certain initiatives in this regard and there is a proposal to introduce shortly, the system of Consolidated Supervision too, alo ng with Risk Based Supervision. The impact on banks key ratios due to banking supervision reveals good results and walking on the same continuum few issues can be stressed upon like technology upgradation, corporate governance, market intelligence etc. By critically examining all the aspects related to risk management, an AHP model was developed which gave the comprehensive risk rating of the bank. This rating would help in comparison with other banks in the industry and evaluate the areas of improvement if any.

Wednesday, May 6, 2020

Persuasive Essay Topics Writing - the Story

Persuasive Essay Topics Writing - the Story The Ultimate Persuasive Essay Topics Writing Trick At the exact same time, it's an amazing persuasive essay idea. You will find that several of the topics can be adapted to suit almost any sort of writing assignment. Your persuasive essay needs to have a very clear plan, which will provide you an opportunity to focus on the most important elements of the work and put aside all of the minor arguments. Just write down the critical points you wish to put in your essay and concentrate on developing them. Top Persuasive Essay Topics Writing Choices Qualities of an excellent persuasive essay topic The topic ought to be specific. Quite frequently, the very best topic is one which you truly care about, but you also will need to get ready to research it. Selecting an excellent topic for your essay is among the most significant and frequently tricky parts for many students. Possessing fantastic research abilities and selecting a superb topi c is vital. Every school has to have a sex education class. There are several persuasive essay topics to pick from to finish your high school or college assignment. Even a student can begin a business online. Students with good attendance has to be rewarded. First of all, you will need to comprehend the fundamental fundamentals of persuasive writing and know the five elements of persuasion. Any idea can prove to be a wonderful foundation for a topic. It is very important to pick a topic that you truly care about because you will likely enjoy writing and it's going to be less difficult for you to have a stand on such problem and defend your standpoint. Figure out which of the topics, you presently have a fairly good background on which will make it possible for you to have a relative edge. Persuasive essays are a fantastic means to encourage the reader to check at a particular topic in a different light. An argumentative essay requires you to choose a topic and have a po sition on it. It's important to understand that essay topics are just basic ideas that leave you pondering an idea that might be a huge deal to somebody else. Deciding upon a persuasive essay topic may take a great deal of time without ending up with the terrific solution. The Battle Over Persuasive Essay Topics Writing and How to Win It Before writing any form of academic paper, it is crucial to choose the subject, and the persuasive essay isn't the exception. Persuasive essay format differs in every specific instance, even though it has some common facets. Persuasive essays haven't any paragraph limits. A persuasive essay should adhere to a typical pattern if you would like it to be readable and clear. The Characteristics of Persuasive Essay Topics Writing In most high schools, your capability of writing this kind of essay is going to be evaluated in class. There are many persuasive essay examples college students are able to make use of online. Select the period of lif e that you believe is best and compose an essay arguing why it's the very best time of life. In fact, understanding how to compose a persuasive essay is a significant skill for students of various specialties. Before you commence working on the paper, you must go through several topics to compose a persuasive essay on. Most issues can have essays on all the aforementioned questions. You must settle on a persuasive essay topic that permits you to present the most effective possible case. The most effective persuasive speeches aren't written in a rush. When prior brainstorming is finished, you might begin drafting your essay. Be sure to define the objectives of your essay clearly because your essay is dependent upon your approach. Weave in your own perspective to make it unique. Every argumentative essay ought to have an opposing view which can help you to prove you're right. Always remember a great persuasive essay ought to be persuasive. Writing an outline is a must if you need your essay to have a crystal clear and understandable structure. Writing a persuasive essay demands a great deal more than the capability of convincing the readers. It is not an easy task to accomplish. Writing a superb persuasive essay is not a simple task, however, it's achievable.

Tuesday, May 5, 2020

Ethics in Intercultural and International Communication

Question: 1. What topic discussed in this subject you find most interesting? 2. Write a personal reflection (with two or three supporting reasons) why you found this topic of great interest 3. How do you think you could apply it in your present or future professional career? Answer: 1. Among all the topics given in this assignment, I have decided to choose intercultural communication as my selected topic. The overarching term intercultural communication refers to the interaction among the people of different cultures and backgrounds. With the upgrading progress of globalization, people of different attitudes and backgrounds are associated within a business organization (Casmir 2013). The business experts intend to focus on the skill and competency of an individual professional rather than their religious and cultural background. Therefore, after being amalgamated with the people of different attitudes and cultures employees can get the opportunity to become familiar with different languages. Based on the religion and cultures, the language as well as the approach of communication varies. Despite the presence of diverse cultures and religions, organizational professionals intend to make an effective communication with each other in order to exchange necessary inf ormation (Samovar et al. 2014). Intercultural communication can be conducted in two categories that include verbal communication and non-verbal communication. In most of the cases, it has been observed that people of different cultures are not flexible enough to make an effective communication at the workplace due to the linguistic barriers. In this kind of situation, the organizational managers intend to maintain non-verbal communication as well. Non-verbal communication indicates interaction between sender and receiver with the help of written communication, expression, indication and so many. Intercultural communication is highly important for evaluating the skills and mental ability of an individual. Intercultural communication helps professional to come in close contact with various kinds of people, their habits, languages and manners. Professionals get the scope to be accustomed with each others cultures and attitudes (Martin and Nakayama 2013). Therefore, the professionals get the opportunity to show their versatile attitudes. In addition, when a business organization is constituted with professionals of different backgrounds, their psychology differs while taking necessary decision at the workplace. Intercultural communication helps the business managers to take collective decision at the workplace. 2. I have chosen this topic amidst the all due to several reasons. I am personally associated with a business organization working as a supervisor in customer service department. I have personally observed that intercultural communication is endowed with some of the necessary advantages as well as disadvantages. I have come across the professionals of different cultures and backgrounds. Their way of expressions, their communication approach, their psychological approaches are different from me. On one hand, I have faced innumerable barriers in order to make an effective communication with those employees. The primary barriers that I faced while interacting with those people include linguistic barriers, psychological barriers, cultural barriers and so many. As a result, I was facing difficulties to provide effective service process to the customers, as I was unable to communicate properly with them. In this kind of situation, our human resource department decided to provide an effecti ve training to those professionals in order to enhance their communication skill. After receiving the training, I was able to maintain an effective communication with those professionals. I personally observed that their way of thought while making business strategic decision helped me immense to enhance my knowledge and competency. I have learnt to develop my personal manners and attitudes by observing their cultures. A large number of employees are immensely talented and skillful. Due to their language barriers, they did not get the scope to be associated with professional field. However, my organization after implementing diversity management at the workplace has opened the door for employees of different cultures and backgrounds. As a result, I have been familiar with a large number of talented and skilful employees from whom I have learnt to develop my personal and professional skill. Therefore, as per my personal experience I have observed that people of diverse cultures and attitudes can render variation within a business organization. Therefore, intercultural communication can help the organizational professionals for communicating with diverse people and atti tudes. 3. Intercultural communication can help me to develop my present and future career immensely. As per my knowledge and experience, I have evaluated that an individual has to be very much flexible for dealing with the people of diverse cultures and attitudes. I am having a limitation in language as well as psychology. In order to communicate with the different kinds of people I should know several languages with the help of which I would be able to maintain an effective communication with them. On one hand, I would get the scope to learn various languages for enhancing my knowledge and skills. On the other hand, I would be able to make a proper and strong communication with the employees to exchange necessary information. As a result, customers would get good service process from the employees that would ultimately enhance organizational image and reputation. My professional career is highly dependent on the revenue growth of my business organization. In addition, intercultural communication would help to enhance my decision-making skill as well. In my business organization, I have to perform within a team. The business leaders focus on group performance rather than individual performance. However, while involving with a particular team I have to share my point of views towards reaching the business goal. In this kind of situation, I as a team member have to give priority on others decision as well. At that particular time, I have observed that in several times my other co-workers while expressing their own point of view regarding the business goal has provided innovative plans and thoughts that are more applicable and suitable for this particular business strategy. In this kind of situation, I get the scope to make better decision. It reflects on developing my professional career as well. On the other hand, in many cases, I would receive immense co-operation in developing my technological skill from my co-workers belonging from d iverse cultures and attitudes. I should have the capability of making a strong communication with my coworkers because of which they can understand my problem. Therefore, intercultural communication is highly important for developing my personal and professional career as well. Reference List: Casmir, F.L., 2013.Ethics in intercultural and international communication. Routledge. Martin, J.N. and Nakayama, T.K., 2013.Experiencing intercultural communication. McGraw-Hill Higher Education. Samovar, L.A., Porter, R.E., McDaniel, E.R. and Roy, C.S., 2014.Intercultural communication: A reader. Cengage Learning.