Marketing Financial Services Essay Example | Topics and Well Written Essays - 2500 words - 1

Marketing Financial Services - Essay Example This research will begin with the statement that Morgan Stanley is one of the most well-known financial services firm in the world. Its head quarter is based in New York. The firm operates all over the world and deals mainly in institutional securities and investment management. Morgan Stanley advises large institutional clients how to raise funds from the market and how to manage its investment portfolio. The recent financial crisis has hit the company badly but it has recovered well from that. The company’s reputation is also good in the financial market. The brand name of Morgan Stanley is well established since it is been operating in the financial industry for a long time. It was founded way back in 1935 so it is a well-known brand in the financial markets. Morgan Stanley operates in a financial industry so its marketing strategies are entirely different from firms that sell consumer products. This section will elaborate upon its strengths, weakness, opportunities, and th reats and in turn will suggest about how the company should be shaping its marketing strategies. With increasing competition in the financial sector and a very recent recession, this might not be easy for the company so it is important to do SWOT analysis keeping the overall situation of the financial industry in mind today. The main strength of the company is its global presence and well-established brand name. Morgan Stanley is a well-known name on Wall Street so investors are pretty much aware of the company and the services which it offers. Â  Also news about the market given by Morgan Stanley analysts is given attention by the traders in financial markets. This shows the reliability of the name of the company in the financial sector. This reliability and brand image is very good especially in the financial sector because customers in this industry take into consideration these two elements (O'Loughlin, Szmigin & Turnbull, 2004). Global presence of the company is a strong point of Morgan Stanley. The worldwide services of the company allow it to operate in different markets. It can connect customers of financial services from different markets. For example it can hedge funds by buying securities in different regions and can reduce risk. This is a great benefit of operating in a worldwide market. Also the global financial markets are getting complicated with newer products coming every day. In such an environment more than 50,000 employees of Morgan Stanley help customers in finding the right product for them. With the derivative market and Islamic finance newer avenues are available for investors and the company is well prepared to treat all kinds of demands of its customers. Currently the company is making full use of its brand image and it is reflected in its advertisements. The company uses internet marketing or e-marketing as a marketing tool. This is because of the fact that internet plays a major role in financial industry. Many traders work from their homes through internet so it is very important to use internet as a marketing tool. The company also uses television advertisement but they are aired on specific news channels. The reason for this is that the main clients of the company are large institutional investors and buyers. Large companies and very rich individuals and groups use the services of the company so it is important that marketing caters to the need of these high standard clients. If one observes the

Sports activities Article Example | Topics and Well Written Essays - 500 words

Sports activities - Article Example There are several membership types for the students, staff, faculty as well as the community in general. All sports facilities are situated on campus and hence, there is standard traffic as well as parking guidelines; furthermore, groups for their sporting events, conferences, meetings, as well as for other events and occasions can assess facility space easily. There are a number of sports clubs available and the first one is badminton; moreover, its major purpose is to promote Badminton within the university. In addition, the team practices regularly at North Gym located at the  Recreation and Physical Activity Center; moreover, it participates in Midwest region’s tournaments. Volleyball is also a club within the university and it is for both women and men. The sports club’s aim is to maintain and to enhance volleyball skills of the players. Furthermore, the sports club holds several tournaments all through the season. Rugby is also one of the sporting clubs within the university and it has teams for males and females as well. Both rugby veterans and new members are eligible to join the team; furthermore, there are several teams for each individual depending on the skills of individuals. Besides, the teams have coaches who are highly dedicated to the team and every individual is eligible to join the teams given that no prior experience is needed. Soccer is among the sports club within Ohio State University and it is divided into two, women’s soccer team as well as men’s soccer team. The teams play actively in three seasons during the fall, winter as well as during the spring; furthermore, all individuals are free to join the teams. In addition, dance sport is a very interesting club in Ohio State University; it is also a social club and a highly competitive dancing club within The Ohio State University. The club teaches all dancers, even those who have no experience at all; moreover, they have

Site Distance Equation for Crest Vertical Curves Research Paper

Site Distance Equation for Crest Vertical Curves - Research Paper Example The elevation of various points of the curve gives the relative difference in the level at different points on the curve. Also shown in the figure are length of the curve, start of the curve and also the end of the curve. To provide easy movement of vehicles and also to smooth out the vertical profile the vertical curves are introduced at the intersection of the grades. Usually two type of vertical curves are used in the geometric design of roads. They are crest curves or summit curves and sag curves or valley curves. The crest curves have the convexity upwards and when a fast moving vehicle travels along the curve, upward action of the centrifugal force against the gravity and would relieve a part of the pressure on the tyres. This phenomenon would eliminate the discomfort experienced by the passengers wouldn't feel the discomfort while passing over these curves (Garber and Hoel, 2001). The process of aligning the vertical curves along the road is influenced by various factors like the vehicle speed, acceleration, stopping sight distance and comfort in travel (Wright and Dixon, 2004). The design of the summit curve is governed only by sight distance considerations. Though the circular crest curve is an ideal choice as the sight distance available throughout the length of a circular curve is constant most of the designs prefer parabolic curve. This is because the deviation angles in the vertical curves of highways are very small and between the same tangent points a simple parabola is congruent with a circular arc. In addition, easiness in computation of the ordinates besides the better rising comfort given by crest curves gives preference to parabolic curves (DRMB, 1993). When the parabolic crest curves are adopted the equation is given as y=ax2 , where a = N /2L. The N in the equation is the deviation angle and L is the length of the curve. Since the crest curves are long and flat , the length of the curve L is taken as equal to the horizontal projection. During the process of the design of the parabolic crest curves it is necessary to consider the stopping sigh t distance and overtaking sight distance separately. As indicated earlier, it is essential to provide sight distances atleast equal to the stopping distances at all points on the highways to avoid the accidents due to inadequate sight distance (Garber and Hoel, 2001). Figure 2 : The length of the crest curve is greater than the stopping side distance Length of the summit curves for stopping side distance. The two situations that need to be considered in the determination of length of the curve for stopping side distance (SSD) are (i) When the length of the curve is greater than the side distance (L > SSD) and (ii) When length of the curve is less than the side distance (L For L > SSD (Figure 2), the length of the vertical crest curve is given as ------------------ (1) Where, L is the length of the vertical crest curve in metre, S is the stopping side distance in metre, N is the deviation angle which is equal to algebraic difference in grades, radians or tangent of the deviation angle, H is the height of the eye level of the driver above the road surface in metre, h is the height of the object above the pavement surface in metre. The value of H

The State and the Individual Essay Example | Topics and Well Written Essays - 2000 words

The State and the Individual - Essay Example The recent passage of the Patient Protection and Affordable Care Act created legal issues about whether the Federal government has the power to make it mandatory for individuals to buy healthcare insurance and whether states can opt out or nullify such provisions. The Constitution of the USA does not provide citizens with an explicit right to healthcare. The Supreme Court has held that as per the Constitution, individuals can seek healthcare services at their own cost from the available service providers. (Swendiman, 2010, p.2). It has also held that there is no provision that guarantees government health care for those that cannot afford it. At the same time, many states in the US have constitutional state provisions relative to providing healthcare services to citizens. As compared to the Federal government, the constitutions of states have more expansive provisions relative to health care because federal rights require states to comply with minimum standards (Bayer, 2007, p.1). Th e issue that arises in this regard is the extent to which states can legally restrain the freedom of individuals in serving the common good of the entire population. In addition, the question arises about the extent to which public welfare can be protected in justifying government actions relative to curtailing or eroding fundamental rights. Such issues form the basis of controversy and long drawn debates relative to public health in the US. The Supreme Court has described inter-state commerce as being amongst economic activities that impact the country’s economy. Given that the health care sector impacts the country’s economy, it becomes implied from this argument that the federal government has the right to control health care through legislation. Although the US Supreme Court and Constitution do not acknowledge the constitutional right to healthcare for people unable to afford it, a number of statutes have been enacted by the Federal government, such as the Children ’s Health Program, Medicaid and Medicare, which describe and establish the precise rights of individuals relative to receiving healthcare services from the state. A major element of several healthcare entitlements from the government is the funding for healthcare facilities that are provided under the law. Majority of these provisions were enacted following recognition of the Federal government’s authority to enact laws that are necessary for carrying out its authorization for providing towards the general welfare of individuals. This authority to spend on healthcare is considered to be a broad grant of authority vested to the Federal government by the country’s Constitution. The Supreme Court gives significant regard to the legislative decisions taken by the Congress for making provisions for healthcare budgets in keeping with the objectives of public welfare (Garrett, 2000, p.216). However, there are a number of tensions about the scope of public health and th e extent to which it can be accepted, especially in terms of the original issues relative to fighting infectious diseases during the 19th and early 20th centuries. The issue attained more significance at the end of the 20th century because of efforts to resolve the chronic patterns that

Innocent Drinks Case Study Example | Topics and Well Written Essays - 750 words - 3

Innocent Drinks - Case Study Example Additionally, it ensures the endorsement of recycling and sustainability of its products packaging. This paper, therefore, analyzes the business operations of Innocent Drinks Company including booms, bumps and the overall SWOT analysis of this company. The dominant market share of Innocent Drinks Company in the Juice and Smoothie market has been on the decline due to daily emergence of soft drinks companies into this industry. For example, in the recent past, this company’s market, which initially was over 70%, has been threatened by an unfair competition and consumer downturn (Sahlman 356). Even though Innocent Company upholds a higher degree of ethical standards towards natural, healthy, delicious and sustainable production, the only market worry is the identification of best marketing strategies that would decisively keep this company the market leader in soft drink production. Additionally, the development and success of this company continues to create its unusual share of challenges as the company adversely faces threat of consumer’s downturn and an inclusive out of business bigger rival efforts. In order to curb these market competition challenges, Innocent Drinks Company has resolved into being a flexible sof t drink organization with various branches. This strategy is primarily aimed at capturing wider markets. Fruit juice revolution may act as the best case study to analyze and understand the development and success of Innocent Drinks Company and their products. In the practical perspective, innocent drinks packages range from (250ml) to (1L). The appearance of this smoothie is plain one and unappealing, which is due to the natural nature of innocent drinks. Innocent soft drinks are in natural form hence lack chemical substances. This makes these soft drinks some of the best drinks for human consumptions. Labelling of Innocent Drinks juice

Ethics of Information Communication Technology Dissertation - 1

Ethics of Information Communication Technology - Dissertation Example For the gathering of information and knowledge, the instrument that is required by all human beings is ICT, and security in this regard should be guaranteed to them as their basic right. However, throughout the world, the rights of humans are violated one way or the other. Violation of these rights has created new problems in the human social system like cybercrime, digital divide, digital security and privacy concerns for all of them. Round the globe, all of this has affected the lives of the people directly or indirectly (Sembok, 2003). This shows that due to the rising facilities of the global world, the related crimes are also increasing in the numbers. This increasing rate of the cyber crime has put the privacy and security of the individuals at stake. With such backdrop, this paper will discuss the types of cyber crimes and the upcoming frauds that are done by them. The objective of this paper is to highlight the effects of this crime and under the light of this crime, see the effects it has created on the economy of the United Kingdom. The purpose of this paper is to discuss the effects of cyber crimes on the citizens, businesses, government, and the relevant interventions to deal with it. The range of cyber crimes is much diversified; so the paper will shed light on crimes such as child pornography, identity frauds to the individuals, tax and benefits fraud, NHS frauds, pension frauds, and local government and central government frauds faced by the government. The most affected sector is the business sector; so a major portion of the paper aims to cover this segment and discuss frauds like IP theft, industrial espionage, and online theft. Literature Review The literature review section initially discusses the general use of internet and the need of using this technology; it also talks about the crimes that result from this under the light of different kinds of literature. Then limiting to the topic, the paper aims at discussing the keyword: ‘Cyber Crime’. According to Nelson (2009) cybercrime is referred to as ‘the undertaken activities by the criminals for the financial gain’. He says that ‘such kinds of activities are used to take advantage of the vulnerabilities that are in use of the internet and other electronic systems. These systems illegitimately attack or access the information that is used by the businesses, citizens, and government.’ In this light, the paper will discuss the types of cybercrime and also talk about the ways these cyber crimes are taking place. A number of studies and researchers have been done in order to investigate the topic under discussion. However, this area needs to be researched more so that more valid and authentic conclusions can be drawn from the studies and the results could be applied to the society. The topic is chosen for my research, keeping in view its significance in the field and also, because of its importance in society. As it has been observed i n the societies that as people are getting more aware of the alarming nature of this issue and are interested in finding ways to help overcome this problem, more research work is needed in this area.  

Safety and Medicare Requirements Essay Example for Free

Safety and Medicare Requirements Essay Introduction The first SMART goal is regarding the elevated re-hospitalization rates, and how as a team we can reduce these numbers by 10% within the next six months. I chose this goal because the Medicare requirements are changing for reimbursement rates and we are a non-for profit organization where cutting down on any costs are important for not only our organization but also for our patients. Secondly, the next SMART goal I chose was how we can increase the compliance of incident reports being filled out for patient injuries, falls and infections by 10% within the next 3 months. I chose this SMART goal because this is an area in which we have been falling behind and this is an lack in compliance. Case Managers and Triage Nurses are responsible for making sure these are completed and returned to our managers in a timely manner. Goal 1: Leadership Development The complete Hospice Team; Social worker, CNA, Pastoral Care, Bereavement Services, RN/ Case Manager and Volunteers will all work together to achieve this goal by beginning teaching at time of admission. The Hospice team will all work together in order to make sure that the patient will die comfortably in their home with their family by their side and will do this without returning to the hospital. .We will provide the family with all of the information and support they will need in order to feel comfortable in keeping their loved one at home without returning them to the hospital. They will have access to a nurse 24 hours a day/7 days a week through our Triage line and will be reminded at each visit to use this form of communication in order to prevent re-hospitalization. Peer-Reviewed Articles In the article, Hospital Readmission Rates in Medicare Advantage Plans, this article speaks about the changes that CMS (Centers for Medicare Medicaid Services) put into effect this year (2013). The changes are to establish a hospital readmissions reduction program in Medicare, when implemented, the program reduces payments to hospitals based on their readmission rates by 20% and hospital-acquired conditions or adverse events among patients with Medicare by 40%. This was a good article to explain why as a non-for profit organization, we must drop the rehospitalization rates. Credible Websites The website, Agency for Healthcare Research and Quality, has several tools and articles speaking of how to avoid rehospitalizations. They have materials, documents and tools called, State Action on Avoidable Rehospitalizations or STAAR. This aims to reduce avoidable rehospitalizations and is focused on how to improve transitions of care and how to address systemic barriers to reducing avoidable rehospitalizations. This is helpful and useful information to use for our SMART goal, as it provides a lot of tools we could use in reducing our rehospitalization rates. Informational Expert Amy Suydam RN CPS (Clinical Practice Supervisor) is over the Hospice RN/ Case Managers at our office. Amy and I discussed the SMART goal about rehospitalization rates and how we are going to decrease these rates. Amy agrees with all of the teaching with the family from admission on and making them aware of all the assistance they have available from our services. One thing she also did mention is that we could do more in-services with our staff regarding this and make sure everyone does understand the decline in reimbursement rates that we are receiving at this time compared to the costs to the organization. Summary In searching information regarding the rehospitalization rates and the drop of Medicare reimbursements for those stays, I was surprised to have found there was so much information regarding this and the tools that are out there also to use. My direct supervisor, Amy Suydam RN CPS, was also helpful in bringing up some things not thought of that would assist in the success of our organization in achieving our goal of decreasing rehospitalizations  by 10% within the next 6 months. Amy Suydam RN CPS did not feel this was an unreasonable timeframe and decline to be looking towards. This is something we have discussed many times as our organization is non-for profit and this is very important that we follow through with our teachings and get all the information put out there that we can regarding these changes. Goal 2: Organizational Planning The RN/ Case Managers and Triage Nurses will increase their compliance of filling out incident reports that are being filled out by 10% within the next 3 months. The nurses will fill these out for patient falls, infections and injuries in order to be compliant with our Quality Assurance Goals. Peer-Reviewed Articles In the article, Introducing incident reporting in primary care: a translation from safety science into medical practice, the authors speak of how most reported incidents were ones that caused little or no injury to the patient. They found those providing care were able to deal with these incidents more actively and taking less of their time away from their other work. This explains how important it is to report any and all incidents. This is what the organizational SMART goal pertains to is making sure we are compliant in reporting everything that should be reported. Credible Websites The website that related to the SMART goal is called, Quality and Safety. This website provides useful tools and different ways that may be effective in reporting incidents easier which may in turn provide increased compliance. On this website they say EHR’s are the best way and more people are compliant when using the electronic reporting. Informational Expert Amy Suydam RN, Clinical Practice Supervisor reviewed the SMART goal and while reading through the plan of action, she declines any further recommendations. She feels everything has been covered even compared it to our policy for incident reports for our organization, and found nothing further at this time. Summary In researching the SMART goal of increasing compliance of filling out  incident reports, it is amazing how many people are non-compliant. This can lead to legal actions at times and other problems. This is a very important part of Quality Assurance within our organization. .Will hold in-services, cover the company’s policy and explain why incident reports are filled out for and how to properly fill them out and who they are turned in to. We will strive to meet our goal of decreasing non-compliance by 10% within the next 3 months. References Qual Saf Health Care 2004; 13: 281-286 doi:10.1136/qshc.2003.009100 Marieke, Adriana. (2013). introducing incident reporting in primary care: a translation from safety science into medical practice. Health, Risk Society, 15(3), 265-278 doi:10.1080/13698575.2013.776014 Lemieux, Jeff. (2012). Hospital Readmission Rates in Medicare Advantage Plans. American Journal of Managed Care,18(2), 96-104 N.A. (2009). U.S. Department of Health and Human Services. Agency for Healthcare and Research and Quality. Retrieved from http://www.innovations.ahrq.gov/content.aspx?id=3287