Ice Hockey and Highly Effective Tool Essay

All die-hard hockey fans have their own opinion on if fighting should or should not be allowed in hockey. There are lots of different debates going on right now and many people are getting a say in what they think about fighting such as, former Boston Bruins coach, Don Cherry and NHL director of hockey operations, Colin Campbell who said that most fans like fighting and that right now it has its place in hockey. Fighting is also a huge part of the game for some very aggressive players so to take away fighting from hockey would to be taking away some of the players as well. Although, some people say that fighting sends a bad message to children it actually prevents more injuries then it causes. Actually, most people think that fighting is a way for players to release their anger during the game and it even keeps the skilled players out there from getting hurt because of the enforcers (fighters). Many people love to watch the game of hockey either to watch their favorite team play or their favorite player score the overtime winner but the one thing that boosts the excitement in every fan is a good solid drop of the gloves between two players. Although, fighting causes a five minute penalty for their actions, it is very exciting for the fans and is a highly effective tool for lots of teams. One of the National Hockey League’s (NHL) biggest and most exciting brawlers of this time is Colton Orr of the Toronto Maple Leafs. Orr and many other major fighters give fighting in hockey a entire new meaning from knocking someone out to pulling on hair, but either way most fans love to watch the exciting bouts between two rivals. Still to this day just as many exciting fights are take place today just as they were when the game of hockey started. Secondly, if the commissioners took fighting out of the National Hockey League they would be taking the risk of losing a major percentage of the US market. This would be a huge problem because there is a vast majority of people in the US who watch hockey and love it when a fight breaks out. This is a true fact because for example, the Philadelphia Flyers and Boston Bruins have a huge reputation for being two of the roughest, toughest teams out there. So, if fighting were to be taken out the NHL would also lose Boston and Philadelphia market which at this time is huge. If that were to happen they would lose a high majority of their ticket sales causing them to even shut down at some time. Thirdly, taking fighting completely out of hockey really won’t solve any problems for anyone; in fact it will probably make it even worse. By eliminating fighting this will just cause dirtier plays such as slew footing, slashing, spearing, hooking and many more forms of rough play which will make the eliminators of fighting think twice about what they had done. As well, if more forms of rough play began working its way into the league that could cause more injuries then fighting ever did alone. But, if they were to take out fighting out of hockey wouldn’t it be fair to take out all types of contact as well, but then what kind of sport would we be left with? And I thought Canadians were supposed to be the tough ones. Finally, many people are saying fighting can’t be taken out of hockey because for some teams picking a fight is a secret weapon for them. Fighting for some teams can be a highly effective tool for them when used right though. If, done right this can be very effective to intimidate a player and make him do dumb plays. For example, if you can get under a opponents skin and into his head they are going to be more focused on you then any part of the game and this can cause them to give up the puck and then there coach could make them miss some of the game. Or if one of your players gets hurt due to a big hit and you go after them it shows your willing can stand up for them and that they can’t mess with your team.

Tanks in World War I

In 1915 Europe was in the midst of World War I and was at a stalemate caused by trench warfare. There was a need for new and revolutionary weapons to end the dilemma. The British found a solution to this problem by inventing tanks. The invention of the tank had numerous pros and cons, but it ultimately changed warfare. Tanks were built for the purpose of traversing through trenches. Trenches were becoming a literal wall and prevented either side from advancing. Tanks were the solution to the predicament that was the Western Front. The first prototype was called Mark I and was tested for the British Army in the September of 1916. Tanks were progressive and enabled many new tactics. They used caterpillar tracks which had a less likelihood of becoming stuck due to sinking. Tanks offered protection against firearms and intimidated German infantry men that were shocked deeply by the fact that they cannot destroy a tank with machine gun alone. Tanks were also great for accompanying infantry to protect them. There were also cons that went along with the use of tanks. Tanks were very slow, moving at a rate of four miles per hour; casual human walking speed. They were mechanically unreliable, and broke down frequently. Most of the time tanks were hot, numbingly loud and generally uncomfortable for the crews. After the British introduced the tank into the war other countries had their own variations. France launched their first tank, the Schneider CA1, shortly after Britain had introduced the. Mark I. These tanks were the same as British tanks in most aspects, except for that they moved faster by 1 mph. Close to the end of World War I, Germany had their own tank. The A7V, nicknamed â€Å"The Moving Fortress† by the British because of the shape of the hull, was entered into war in 1918 and were in action for eight months. One hundred vehicles were ordered during the spring of 1918, but only 21 were delivered.

Command vs Market Economy

Command Economic System: When we talk about the term â€Å"command† in historical context; whether it relates to economic, political or warfare, command has always been vested in the hands of the few. If we relate â€Å"these few† to a group of people who exercise power in terms of making decisions (be it economic/social/political etc) for ALL the people they govern, we call this process or system a â€Å"Government†. In a command economic system, this government basically owns and controls most of the economic resources of the country.This â€Å"Command† economic system is also known as â€Å"socialism† or â€Å"communism† (McConnell – Economics) In any economic system decisions have to be made regarding production of goods and services, price setting, education, expenditure on infrastructure, resource allocation, resource/property ownership, resource distribution, establishment of industries and businesses, salaries for individuals e tc. In a Command Economic System, all these decisions are taken by the Centre/Government.Public in general/ individuals in general do not have any â€Å"say† in such government decisions. Practically speaking, â€Å"Absolute† command economy doesn’t exist in this world, even near perfect â€Å"command economy† of Soviet Union/Russia had private/market influences in its system. McConnell states North Korea and Cuba as near to perfect Command Economic Systems. Pakistan too took a step towards socialism/nationalization in Zulfiqar Ali Bhutto’s era in 1970s, which later had to be discontinued in wake of emerging capitalist economic forces at that time.Market Economic System As opposed to Command Economic System, Market Economic System is characterized by near to minimal role of Government in governing and directing economic activity of the country. In other words, it is simply the opposite of a command economic system discussed above. The salient featu res of a market economic system includes â€Å"Private† ownership of economic resources (i. e. , land, labor, capital and entrepreneur), coordination of economic activity through markets, production and distribution decisions aken by private businesses and firms, determination of market prices and quantity through forces of demand and supply (rather than government) etc. The concept of market is fundamental in understanding the captioned subject. Market is a place where buyers and sellers of products come together and through their buying and selling behaviour, price and output for the economy is determined. The sellers seek to maximise their objectives (primarily profit) through engaging in practices that may compromise societal benefits at large (self interest).To keep profitable, businesses innovate/invest in R&D to achieve economies of scale to minimise cost and this lust for market power often leads to competition/inter rivalry amongst firms which leads to production of goods and services at less than socially optimum level. Though practically speaking a perfect market economy can’t exist (government intervention is required in certain areas) Hong Kong, United States and Ireland (ref McConnell) are nearest examples of free market economies in today’s world, where Government’s intervention is minimal.

Eli Wiesel's Night Essay Example | Topics and Well Written Essays - 1500 words

Eli Wiesel's Night - Essay Example Having faced myriad hardships during the tender age, Elie Wiesel wondered the kind of problems that he had to undergo. Weisel believed in God during his studies about the Jewish mysticism; to determine a mentor while studying at Kabbalah1. The perception that God would be found everywhere changed after being taken to Birkenau and forced to believe in a different faith. Wiesel was a committed believer who was interested in reviewing the Talmud and the Cabbala. This is depicted by his inquisitive minds when he asks his father to get him an appropriate tutor. However his father holds reservations that his son is still young to enroll for superior studies. His father’s refusal does not deter him because he approaches Moshe the Beadle for assistance over the same issue. The narrator further states that the (chariot) cattle car in which the Jews are forced to travel in is extremely congested and wretched. It is portrayed for having no room since he cannot lie down; nonetheless, they are forced to take turns so as to get place and s a short time rest. In CITATION 2: the author cleverly introduces external conflict that the Jews are facing. For instance, in the statement â€Å"From this moment on, you are under the authority of the German Army† (23-24). Wiesel illustrates conflict with the German officer and Hungarian lieutenant who confiscate all of their goods and belonging. Throughout the holocaust as reflected in the narration, there was conflict between the Jews and the Nazis. Another instance of such conflict is portrayed through Mrs. Schà ¤chter (p. 24-28). She is an example of external conflict since she keeps shouting that what her eyesight can see is fire and flames that the Jews who are with her on the train cannot. In the story this is also symbolizes foreshadowing of the future. Besides, external conflict continues to show the degree of deplorable conduct through external Eliezer’s family is split ‘Men to the

Concrete Island by J.G. Balllard Essay Example | Topics and Well Written Essays - 1500 words

Concrete Island by J.G. Balllard - Essay Example This novel is followed by â€Å"High-Rise† and preceded by â€Å"Crash†. As the name implies, the book is about a Concrete island that is not a natural island but a manmade one formed by the intersection of three speeding motorways. This manmade island is a triangular section of land and is as isolated as a geographical island. The concrete island virtually traps the protagonist, the wealthy architect Maitland and stops every means of escape. The island is compared to a living thing that changes it form like a chameleon. It first gets hold of his car wrecking it up so that his one escape means gets destroyed and later grasps him, claws at him and forbids him to leave it until he himself have an upper hand on the island and thaw all its moves with the help of his intelligence and instinct. Maitland finds himself trapped in this triangular piece of land while life goes on as usual in that metro city. People even see him from their passing cars but mistake him for a bummer and refuses to stop. But, as the protagonist become more and more acquainted with the forgotten piece of landscape, he feels more comfortable living there, until he finds that the island is the mirror image of his self, â€Å"I am the island† (pg. ... He is a rich architect living a fast and furious life who has a wife along with a mistress, a high profile job and all the luxuries that life can give him but no time for himself. He is basically running off from one appointment to the other with little time for a break, speeding up his vehicle, until destiny puts a comma on his life and he gets a chance to evaluate his inner self and take destiny in his own hands by deciding to stay on in the void created by humans even when the chance to escape is presented to him. Thus, it could be fate itself that directed him to the island and urged him to stay on. Nobody to Miss Him Maitland crashes into the concrete island at a crucial time in his life when nobody was expecting him. Hence, this is the time when people would not miss him and his absence would not be questioned. Thus, Maitland has to restore to his resources to be able to stay alive. Maitland is a very impulse individual who rushes into things without waiting to think of their c onsequences. He is afraid of fate and of unknown and does all that he could to escape as fast as he could from the disaster that he finds himself surrounded in. But, however much he runs from the island, he finds himself back in it and worse for trying it out. It is like the island is surrounded by invisible Page 3 walls and he only hurts himself while trying an escape route. Like Robinson Crusoe he has to live on the meager ration of his car. Slowly, Maitland starts acquainting him in this new landscape and in the process discovers that he is not alone in this rough piece of land. He has two more neighbors in the form of Jane, a prostitute and Proctor, an acrobat. Thus, Maitland may decide to stay on for some more time until his appearance becomes necessary and people would start

Business Law Essay Example | Topics and Well Written Essays - 500 words - 16

Business Law - Essay Example One such case referred in the article was decided in 1991 at California in which a developer named Mark Borough California, Inc. litigated against consulting engineers. These engineers designed an artificial lake but its liner failed and therefore a $5 million amount was claimed against the engineers. So the engineers took the position that the contractual agreement involved the limitation of liability clause that restricted their liability to their fee earned on the project i.e., $67,640 and the trial court accorded with the engineers. Succeeding cases endorsing ‘LOL’ include Valhal Corp. v. Sullivan Associates, Inc., Union Oil Company of California v. John Brown E&C,., and R1 Associates, Inc., v. Goldberg-Zoino & Associates, Inc. Although such cases also exist where the claim was overturned by the court, for instance Ricciardi v. Frank. This case was settled in New York city in which a house owner litigated for the failure in problem identification in the water encroac hment in the basement. The LOL clause constrained the liability of engineers in this case to only an amount of $375 but in this case the clause was ruled to be as invalid as it didn’t entailed the option for the house owner to buy complete protection and the clause was provided in the inspection report after the inspection had been done (Fishman, 2011). The article provided the ways to increase the chances of enforcement of this clause. It has been presented that if the clause has been inserted into by parties having equal strength to bargain, and its drafting has been clarified, it will lead to enforcement unless the state law contrary to this clause exist or it has been decided that the clause enforcement had been unconscionable. The article recommends negotiation of the LOL clause among the two parties. The limitation offered on the liability should be equitable. The article offered

Response to Intervention Essay Example | Topics and Well Written Essays - 1250 words

Response to Intervention - Essay Example The Response to Intervention is aimed at changing the ways in which traditional educational institutions support the student groups with learning, cognitive and behavioral issues that they face in their learning process (Stewart, Martella, Nancy, Marchand and Benner, 2005). This method works by systematically providing or delivering new steps of interventions and instructions from the entities that provide education tot the students on the basis of the demonstrated or displayed levels of needs and requirements of the student and learner groups. Response to Intervention can thus, be defined as an educational and instructional practice which is aimed at providing consistent, high quality and easily assimilative interventions that would help the educational provisions to match the needs of the students while at the same time ensuring the frequent monitoring of the educational and interventional practices to ensure that proper decisions are taken regarding the modifications that are to b e made to the existing education and intervention systems and instructions given to the specific student groups (Fuchs, Compton, Fuchs, Bryant and Davis, 2008). The Response to Intervention is built on the basis of a problem solving model, in which both the internal factors applicable to a student and the external factors that may affect the level of assimilation and understanding of the student are considered with the aim of solving common academic problems. The Response to Intervention has emerged as an innovative way of thinking about the intervention assistance and disability identification for the vulnerable, academically weak and unresponsive learner groups. This method of educational intervention is especially applicable to the children in primary and post primary school levels. The Positive Behavioral Interventions and Support (PBIS) is an extended version of the Response to Intervention which is aimed at

History and Political Science and Why United States Was Able to Defeat Research Paper

History and Political Science and Why United States Was Able to Defeat England - Research Paper Example They were also familiar with the territory and local resource of labor and food. Americans also perceived this war as the second war of impendence and fought with enthusiasm. In addition, many Americans believed that England sought to humiliate them as a sovereign country. American land forces had improved in both quality and leadership. There was a renewed sense of nationhood and urge to avenge indignities suffered by Americans (Newman 23-31). The article of Confederation was a form of union of thirteen independent states and bases of America Constitution. The weaknesses were lack of power by the states to collect taxes, trade regulation was denied to states, the law needed nine of thirteen states for approval, no executive branch, lack of national court system, and amendments could only be done if all members agreed. The greatest advantage of this confederation was that it allowed for the fair development of land to the west of Appalachians. Secondly, it led to the signing of the peace treaty with Great Britain. Thirdly, it led to the expansion of United States territory from Atlantic to Mississippi river, set up the department of foreign affairs and finally it led to states honoring legal acts of the states (Merrill 134-56). An analysis of this clause all points to the framer's intention to deny that it neither prohibited nor allowed slave trade. The clause refers to other economic or social class but does not refer slave as an economic class. However, the location of seats in Congress and number of people to be taxed although only three-fifths led to slaves being considered as human beings. It also led to return of fugitives slaves (Boyd 9- 21). Immediately after revolution abolition was conceived, it did not fade until the civil war. Abolition began as an elite group although religious leader was involved. It began as an appeal to people of colors especially the blacks and women. It led to unease over the legitimacy of  slavery.  

Territorial Expansion Essay Example | Topics and Well Written Essays - 1000 words

Territorial Expansion - Essay Example The independent state of Texas had planned its fate from a long time that it would be annexed with the US, despite Mexican’s continual threads to stop this political thinking by the use of force. Congress approved the annexation of Texas on February 28, 1845. In 1937, an early time in the US history, White House made attempts to annex Taxis within the US domain. As soon as this news gained some momentum, rationalist groups started to protest against it. Down with strong frustrated resistance to adding slave states as a part of the United States. In a matter of time the socialist and political thinking went in the favor of Texas as soon as James Polk won the elections of 1844 in Texas. And finally, on Dec 29, 1845 Texas was annexed as a part of US territory. The growing conflicts between the US and Mexico led to a war between the two. There was no way for Mexico win over the US, and it lost wretchedly. Once the US occupied Texas, they opened it for the US civilians. What were t he short-term consequences of the acquisition of this particular territory? The immediate consequence of annexation of Texas was that as soon as Texas gained the authority of a state, Mexico cancelled all the diplomatic relationships with the US. The United States always claimed that the border of Texas was stretched all the way from Rio de Genera’ do, quoting the 1836 Treaties of Velasco. ... The primary battles of the combat were fought in Texas in which US was victorious. After these crucial victories, the United States marched into Mexican territory, finishing the clash in Texas. After the annexation, Stephen Austin took control and under his commands the Texas community flourished. He insisted the American immigrants to abide the law. In a short time of a decade, Texas population increased by 1500 inhabitants. Some of the immigrants were traitors, with a variety of legal complexity. It was not astonishing that the Mexican administration ultimately came to believe the Texans’, as they were named at the time, â€Å"a crowd of infamous crooks,† even though the majority was well-mannered natives. Texas was incredibly of a safe haven for the US citizens who had motive to leave house. One of the initially hard tasks for the Texans’ was that they lacked resources. But still they were always willing to fight with Mexico. Following a few concise combats, M exican ruler Santa Anna individually led a militia of several thousand fine skilled troops into Texas to put down the revolution. The Texas armed forces, which never figured further than 800, had slight experience in war. Therefore, they experienced an intimidating task. The analysis at that time of some 300 Texans’ employees, set as capitalists, executives, laborers, and wide-ranging service workers, disclose that the consequential work strength included, Americans, Europeans, and Indians. This combination went unsuccessful to even out this isolated area, which was deficient in formal, communal, political, and financial association. Texas rustlers caused anarchy. Deprived supervision ended in overstocking, and lack of care commenced critical diseases. But these

Solution Manual for Fundamentals of Investing Essay Example for Free

Solution Manual for Fundamentals of Investing Essay Key Concepts 1.The meaning of the term investment and the implications it has for individual investors 2.Review the factors used to differentiate between different types of investments 3.The importance of and basic steps involved in the investment process 4.Popular types of investment vehicles, including short-term vehicles, common stock, mutual funds and exchange-traded funds, fixed‑income securities such as bonds, preferred stock, and convertibles 5.Derivative securities such as options and futures 6.Other popular investments such as real estate, tangibles, and tax-advantaged investments 7.Investment goals including income, major expenditures, retirement, and sheltering income from taxes; the latter includes analysis of tax-advantaged retirement vehicles 8.Building a diversified portfolio consistent with investment goals 9.Sources of taxation, types of taxable income, and the effect of taxes on the investor 10.Developing an investment program that considers differing economic environments and the life cycle 11.The use of short-term securities in meeting liquidity needs 12.The merits and suitability of various popular short‑term investments, including deposit accounts and money market securities Overview This chapter provides an overview of the scope and content of the text. 1.The term investment is defined, and the alternative investment opportunities available to investors are classified by types. 2.The structure of the investment process is examined. This section  explains how the marketplace brings together suppliers and demanders of investment funds. 3.The key participants in the investment process—government, business, and individuals—are described, as are institutional and individual investors. 4.Returns are defined as rewards for investing. Returns to an investor take two forms—current income and increased value of the investment over time. In this section, the instructor need only define return, since there will be another opportunity to develop the concept of return in Chapter 4; also, providing information about recent investment returns always engages students’ attention. 5.Next, the following investment vehicles available to individual investors are discussed: short-term vehicles, common stock, fixed‑income securities, mutual funds, exchange-traded funds, hedge funds, real estate, tangibles, tax-advantaged investments, and options and futures. The text describes their risk-return characteristics in a general way. The instructor may want to expand on the advantages and disadvantages of investing in each, although they will be treated in greater detail in subsequent chapters. It is vital for any investor to establish investment goals that are consistent with his or her overall financial objectives. 6.Once the investment goals have been well specified, the investor can adopt an investment plan consistent with these goals, select suitable investments, and build a diversified portfolio and manage it. 7.Personal taxes are discussed in terms of types of income and tax rates. The investment process is affected by current tax laws. Examples of tax shelters, especially tax-advantaged retirement vehicles, and tax planning are provided. 8.Once investment goals are established, it is important to understand how the investment process is affected by different economic environments. The chapter talks about types of investments such as stocks, bonds, and tangibles as they are affected by business cycles, interest rates, and inflation. 9.Liquidity is defined, and short-term securities that can be used to meet liquidity requirements are described. The discussion includes a look at short-term interest rates and the risk characteristics of various short-term securities. 10.The next section covers the various types of short-term vehicles available to today’s investor. The text provides enough detail about everything from passbook accounts to money market funds to commercial paper that students should get a good grasp of the differences between the vehicles. Information on current rates brings realism into the classroom and enhances student perception of the lecturer as a knowledgeable instructor. Answers to Concepts in Review 1.An investment is any asset into which funds can be placed with the expectation of preserving or increasing value and earning a positive rate of return. An investment can be a security or a property. Individuals invest because an investment has the potential to preserve or increase value and to earn income. It is important to stress that this does not imply that an investment will in fact preserve value or earn income. Bad investments do exist. 2.(a)Securities and property are simply two classes of investments. Securities are investments, commonly evidenced by certificates, that represent a legal claim. For example, a bond represents a legal claim on debt, and a stock represents a proportionate ownership in a firm. An option, on the other hand, represents the legal right to either buy or sell an asset at a predetermined price within a specified time period. Property constitutes investments in either real property (land and buildings) or tangible personal property (Rembrandt paintings, Ming vases, or antique cars). (b)With a direct investment, an individual acquires a direct claim on a security or property. For example, an investment in one share of IBM stock directly provides the stockholder a proportionate ownership in IBM. An indirect investment provides an indirect claim on a security or property. For example, if you bought one share of Fidelity Growth Fund (a mutual fund), you are in effect buying a portion of a portfol io of securities owned by the fund. Thus, you will have a claim on a fraction of an entire  portfolio of securities. (c)An investment in debt represents funds loaned in exchange for the receipt of interest income and repayment of the loan at a given future date. The bond, a common debt instrument, pays specified interest over a specified time period, then repays the face value of the loan. (Chapters 10 and 11 cover bonds in detail.) An equity investment provides an investor an ongoing fractional ownership interest in a firm. The most common example is an investment in a company’s common stock. We will study equity instruments in greater detail in Chapters 6 through 8. Derivative securities are securities derived from debt or equity securities and structured to exhibit characteristics different from the underlying securities. Options are derivative securities that allow an investor to sell or buy another security or asset at a specific price over a given time period. For example, an investor might purchase an option to buy Company X stock for $50 within nine months. (d)Short-term investments typically mature within one year while long-term investments have longer maturities, including common stock, which has no maturity at all. However, long-term investments can be used to satisfy short-term financial goals. 3.In finance, risk refers to the chance that the return from an investment will differ from its expected value. The broader the range of possible values (dispersion), the greater is the risk of the investment. Low-risk investments are those considered safe with respect to the return of funds invested and the receipt of a positive rate of return. High-risk investments are those that have more uncertain future values and levels of earnings. 4.Foreign investments are investments in the debt, equity, derivative securities of foreign-based companies, and property in a foreign country. Both direct and indirect foreign investments provide investors more attractive returns or lower-risk investments compared to purely domestic investments. They are useful instruments to diversify a purely domestic portfolio. 5.The investment process brings together suppliers and demanders of funds. This may occur directly (as with property investments). More often the investment process is aided by a financial institution (such as a bank,  savings and loan, savings bank, credit union, insurance company, or pension fund) that channels funds to investments and/or a financial market (either the money market or the capital market) where transactions occur between suppliers and demanders of funds. 6.(a)The various levels of government (federal, state, and local) require more funds for projects and debt repayment than they receive in revenues. Thus, governments are net demanders of funds. Governments also demand funds when the timing of their revenues does not match their expenditures. The term net refers to the fact that, while governments both supply and demand funds in the investment process, on balance they demand more than they supply. (b)Businesses are also net demanders, requiring funds to cover short‑ and long‑term operating needs. While business firms often supply funds, on balance they also demand more than they supply. (c)Individuals are the net suppliers of funds to the investment process. They put more funds into the investment process than they take out. Individuals play an important role in the investment process—supplying the funds needed to finance economic growth and development. 7.Institutional investors are investment professionals who are paid to manage other people’s money. They are employed by financial institutions like banks and insurance companies, by nonfinancial businesses, and by individuals. Individual investors manage their own personal funds in order to meet their financial goals. Generally, institutional investors tend to be more sophisticated because they handle much larger amounts of money, and they tend to have a broader knowledge of the investment process and available investment techniques and vehicles. 8.Short‑term investments usually have lives of less than one year. These vehicles may be used to â€Å"warehouse† temporarily idle funds until suitable long‑term vehicles are found. Due to their safety and convenience, they are popular with those who wish to earn a return on temporarily idle funds or with the very conservative investor who may use these short‑term vehicles as a primary investment outlet. In addition to their â€Å"warehousing† function, short-term vehicles provide liquidity—they can be converted into cash  quickly and with little or no loss in value. This characteristic is very useful when investors need to meet unexpected expenses or take advantage of attractive opportunities. 9.Common stock is an equity investment that represents a fractional ownership interest in a corporation. The return on a common stock investment derives from two sources: dividends, which are periodic payments made by the firm to its shareholders from current and past earnings, and capital gains, which result from selling the stock at a price above the original purchase price. Because common stock offers a broad range of return-risk combinations, it is one of the most popular investment vehicles. 10.a.Bonds are debt obligations of corporations or governments. A bondholder receives a known interest return, typically semi-annually, plus the face value at maturity. Bonds are usually issued in $1,000 denominations, pay semi-annual interest, and have 20- to 40-year maturities. Bonds offer fixed/certain returns, if held until maturity. b.A convertible security is a fixed-income security, either a bond or preferred stock, which has a conversion feature. Typically, it can be converted into a specified number of shares of common stock. Convertible securities are quasi-derivative securities, as their market value would depend on the price of the common stock and the conversion ratio. c.Preferred stock is very much like common stock in that it represents an ownership interest in a corporation. But preferred stock pays only a fixed stated dividend, which has precedence over common stock dividends, and does not share in other earnings of the firm. d.A mutual fund is a company that invests in a large portfolio of securities, whereas a money market mutual fund is a mutual fund that solely invests in short-term investment vehicles. Investors might find mutual funds appealing because a large portfolio may be more consistent with their investment goals in terms of risk and return. As we will see later, a mutual fund offers the investor the benefits of diversification and professional management. Mutual funds do not offer fixed/certain returns. Mutual funds are quasi-derivative securities, as their market value would depend on the price of the assets that make up the fund’s portfolio. Exchange-traded funds are similar to mutual funds but are traded throughout the day on exchanges and priced continuously. e.Similar to mutual funds,  hedge funds pool the investors’ funds to invest in securities but are open to a narrower group of investor than mutual funds and may employ high-risk strategies. They do not offer a fixed return and are most often not based on derivatives. Hedge funds usually employ a professional manager. f.Options are derivative securities that provide holders the right to buy or sell another security (typically stock) or property at a specified price over a given time period. Factors like the time until expiration, the underlying stock price behavior, and supply and demand conditions affect the returns. g.Futures represent contractual arrangements in which a seller will deliver or a buyer will take delivery of a specified quantity of a commodity at a given price by a certain date. Unlike an option, which gives the investor the right to purchase or sell another security, futures contracts obligate the investor to deliver or take delivery. Factors affecting returns on commodity contracts include changes in government policy, unpredictable weather, trade embargoes, and other events. 11.Before developing and executing an investment program, an investor must ensure the following: ï‚ ·Necessities of life such as funds for housing, food, transportation, taxes, etc. are fully provided for. The investor is adequately insured against the losses resulting from death, illness or disability, property damage, etc. Retirement goals are established. The seven steps in investing are as follows: (1)Meet investment prerequisites. Provide for the necessities of life, adequate protection against losses, and setting retirement goals. (2)Establish investment goals. Investment goals are the financial objectives that one wishes to achieve by investing. Common investment goals are: Accumulate retirement funds Enhance current income through interest income and dividends Save for major expenditures like home, education, etc. Shelter income from taxes (3)Adopt an investment plan. An investment plan is a written document describing how funds will be invested. The more specific your investment goal, the easier it will be to establish an investment plan consistent with  your goals. (4)Evaluate investment vehicles. In this step, the measures of risk and return are used to estimate the perceived worth of an investment vehicle. This process is called valuation. (5)Select suitable investments. This step involves careful selection of investments that are consistent with established goals and offer acceptable levels of return, risk, and value. (6)Construct a diversified portfolio. Diversification is the concept of forming a portfolio using different investments to reduce risk and increase return. This concept is central to constructing an effective portfolio. (7)Manage the portfolio. Portfolio management involves monitoring the portfolio and restructuring it as dictated by the actual behavior of the investments. 12.Investment goals are the financial objectives you wish to achieve by investing in any of a wide range of investment vehicles. Common investment goals are as follows: (1)Enhancing current income means choosing investment vehicles that regularly pay dividends and interest that can provide all or some of the money needed to meet living expenses. This is a common goal of retired persons and sometimes an important part of a normal family budget. (2)Saving for major expenditures includes money set aside for such things as the down payment on a home, college tuition, and even an expensive vacation. The amount of money needed and the time period over which one can save will determine the amount set aside and, frequently, the investment vehicle employed. (3)The single most important reason for investing is to accumulate retirement funds. The amount that must be set aside is determined by the level of expected expenditures, expected income from Social Security and other sources, and the amount of interest expected to be earned on savings. (4)Sheltering income from taxes involves taking advantage of certain tax provisions that permit reduction of the income reported to the government or direct reductions in taxes. Investments in certain assets, such as real estate, may be attractive due to their tax advantages. 13.Federal income taxes are charged against all income individuals receive from all sources (with the exception of interest received on some bonds issued by state and local governments). a.Active (ordinary â€Å"earned†) income is the broadest category and includes income from wages, salaries, bonuses, tips, pension income, and alimony. It is made up of income earned on the job as well as most other forms of noninvestment income. b.Portfolio (investment) income is earnings generated from various  types of investment holdings. For the most part, it consists of interest, dividends, and capital gains earned on most types of investments. Passive income is a special category that consists of income derived chiefly from real estate, limited partnerships, and other forms of tax shelters. c.Capital gains are the profits earned on the sale of capital assets—pleasure or investment. They are measured by the amount by which the proceeds from the sale of the capital asset exceed its original purchase price. Currently, long-term capital gains are taxed at preferential rates to ordinary income. Capital gains are appealing to investors because they are not taxed until they are actually realized. d.A capital loss is the amount by which the proceeds from the sale of a capital asset are less than its original purchase price. Up to $3,000 of net losses can be applied against ordinary income in any one year, with the unused portion carried forward to offset future income. e.Due to the opportunities and challenges created by the tax laws, tax planning is an important part of the investment process. Tax planning involves looking at an individual’s current and projected earnings and developing strategies that will defer or minimize the level of his or her taxes. Tax plans involve current income, capital gains, or tax-sheltered investments. For example, one strategy is to take losses as they occur and to delay taking profits in order to minimize current taxable income. f.In general, tax-advantaged retirement plans allow individuals to defer taxes on the contribution and/or portfolio earnings until some future date when retirement withdrawals take place. There are employer-sponsored plans (such as 401(k) accounts), individual-created plans (such as Keogh plans), and individual retirement accounts (IRAs). 14.Investors tend to follow different investment strategies as they move through different stages of their life cycle. a.Young investors, ages 20 to 45, tend to prefer growth-oriented investments that stress capital gains rather than income. These investors have little investable funds, and capital gains are seen as the quickest way to build up investment capital. b.By middle age, ages 45 to 60, there is a consolidation taking place as family demands and responsibilities change. While growth-oriented securities are still used, investing becomes less speculative. Quality-growth vehicles are employed, and more attention is given to current income. The foundation is being set for retirement. c.As the investor moves into the retirement years, age 60  on, preservation of capital and current income become the principal concerns. High-quality stocks and bonds and money market instruments are used as the investor’s objective is to live as comfortably as possible from the investment income. During retirement, one tries to reap the rewards of a lifetime of saving and investing. 15.Stocks and equity-related securities (such as mutual funds and convertibles) are highly responsive to the economic cycle. During recovery and expansion, stock prices are up. As the decline approaches, stock prices begin to decline as well. Growth-oriented and speculative stocks tend to do especially well in an expanding economy. Bonds and other fixed-income securities are sensitive to movements in interest rates. Bond prices also move in the opposite direction of interest rate changes. This means that if interest rates are expected to rise, bond prices would fall, and bonds would not be a good place to hold investment funds. Interest rates generally shift with the economic cycle. Rates rise during normal recovery and fall during economic declines. 16.An asset is liquid if it can be converted to cash (sold) easily and quickly, with little or no loss in value. You would want to hold liquid assets as emergency funds or to accumulate funds for some specific purpose. IBM stock is not considered a liquid investment even though it can be easily sold. As with stocks in general, you can never be sure that, when funds are needed, you can quickly sell the stock without taking a loss. 17.Purchasing power risk for short-term investments occurs when the rate of return on these investments falls short of the inflation rate. This generally happens to fixed-rate investments such as passbook savings accounts. Most other short-term investments have managed to provide rates of return about equal to the inflation rate when one looks at these short-term rates over long periods of time. Default (nonpayment) risk is very small with most short-term investments. The deposits in banks and other federally insured savings institutions are protected up to $100,000 per account by agencies of the federal government. U.S. Treasury bills are perfectly safe and sometimes called a risk-free investment. Commercial paper and repurchase agreements are extremely safe, based upon p ast experience, even though there have been rare instances of problems. These latter two instruments are also not insured. Money market mutual funds have also had an  exceptionally safe history. Of course, the safest money market funds are those that invest solely in government securities and are virtually default-risk-free. 18.Passbook savings accounts and NOW accounts (a checking account), offered by banks, generally pay a low rate of interest and have no minimum balance. Passbook savings and NOW accounts are primarily used by investors as savings accounts, providing the investor with a highly liquid pool of funds. MMDAs are bank deposit accounts with limited check-writing privileges. Central asset accounts are comprehensive deposit accounts and combine checking, investing, and borrowing activities. MMDAs and asset management accounts are more likely used by investors to earn a competitive short-term return while maintaining liquidity. Each type of account, except for asset management accounts, is insured. All but the passbook account typically require a minimum balance, which varies. 19.a. I bonds are savings bonds issued by the U.S. Treasury. They earn interest at a rate that varies with inflation. Interest is exempt from state and local taxes. They are issued in denominations that make them affordable to everyone and mature in 30 years but can be redeemed after one year. b.U.S. Treasury bills are short-term (less than one year) debt obligations of the federal government. T-bills are exempt from state and local income taxes, and federal taxes are deferred. They are regarded as the safest but generally lowest yielding of all investments, and the secondary market for T-bills is highly liquid. c.Certificates of deposits (CDs) are savings vehicles in which funds must remain on deposit for a specified period. Premature withdrawals incur interest penalties. Because of the requirement that they remain on deposit, CDs are less liquid than T-bills, but they are convenient to buy and hold, offer highly competitive returns, and have federal insurance protection. d.Commercial paper is unsecured short-term debt issued by corporations with very high credit standings. The secondary market for commercial paper is very limited and yields are comparable to yields on large-denomination CDs. Typically, only larger institutions deal directly in this market because the denominations range from $25,000 to the more commonly issued $100,000. Commercial paper is not federally insured. e.Bankers’ acceptances are short-term credit arrangements between business firms and banks. Firms use  banker’s acceptances to finance transactions, most often involving firms in foreign countries o r firms with unknown credit capacities. Banker’s acceptances typically are denominated in $100,000 units, are low-risk securities, and have active secondary markets. Yields are slightly below CD yields and commercial paper and above T-bills. f.Money market mutual funds (MMMFs) pool capital of many investors and invest it exclusively in high-yielding, short-term securities, such as T-bills, large CDs, commercial paper, and other similar securities. Because these high-yielding securities are in denominations of $10,000 to $1 million, the MMMF makes them available in a format that is affordable to individual investors. MMMFs are convenient, offer check writing privileges, and yields are based on the ability of the fund manager to invest in various short-term securities. Although they are not federally insured funds, their default risk is nearly zero because the securities they invest in are very low risk and the fund is relatively diversified. 20. The senior managers in a corporation, such as the chief financial officer (CFO), have the primary responsibility of managing the firm’s capital resources and investments. Because so much of the CFO’s primary responsibilities require an understanding of investment principles, a CFO must understand market forces but more importantly communicate in such a way that investors understand the value of the firm and the securities the firm has issued. 21.Because insurance companies have large sums of investment capital under management, they require the skills of a highly trained finance person in investment principles. Since this person is asked to manage risk for individuals as well as businesses, the decisions they make and the strategies they devise will assist the insurance companies’ customers in the creation of their individual successful asset and risk management strategies.

Reasons to Study in the UK

Reasons to Study in the UK International students travel to UK to study for different reasons despite the cost implications involved. In other to overcome certain negative but compulsory experiences such as culture shock, depression and home sickness etc. Students must carefully manage their time well during their study stay in the UK. If these measures are adhered to, international students will not find it difficult studying in the UK. Due to the fact the UK has a concussive environment for teaching and learning styles. INTRODUCTION Studies have shown that there is no superior culture over another, every culture is unique in its own way, and different people have different culture. Culture, can be described as the mode of dressing, eating, communication styles, languages spoken, teaching and learning styles, reaction to time(time management) by a certain group of people. Culture varies from place to place in the sense that different societies and communities adopt different cultures. This report examines and analysis the different reasons why international students come to study in the UK and the challenges they face here. Some of these reasons identified are: to learn a new language, travelling opportunities, to enable one understand another culture first hand, to develop skills, opportunity to make new friends around the world, enables one to know more about his or her own culture, helps to widen ones global view, to enhance employment opportunity, enables one to break out of ones academic routine of home country and finally helps to add value or improves ones degree. Haven known these reasons, for coming to study in the UK, this report further gives some challenges and key issues experienced by international students. Some of these issues identified are: culture shock, teaching and learning styles (similarities and differences between the UK and home country), time management issues, fees and funding, and finally regular problems faced by international student s. Some of the key issues which shall be discussed in this report are culture shock, problems faced by international students, time management, fees and funding and teacher/student role expectations in the UK. MAIN BODY/ANALYSIS The united kingdom is a very nice and wonderful place to study and students from different countries prefer to study in UK this is due the quality of the education and the students also has an opportunity to gain a prestigious qualification. This report therefore provides an insight in to the perceptions of the international students and their experiences here in UK. The experiences of the students studying here in UK will be discussed under the following headings they are culture shock, time management, fees and funding, teacher/student role expectation and the problems faced by international students in UK. All these will be discussed below. CULTURE SHOCK The term culture was defined by Bock(1970) as primarily an emotional reaction that follows from not been to understand control and predict another`s behaviour. It can also be described as a way of life in a particular region in terms of customs, traditions etc.  Ã‚  Each and every nation is deeply rooted within its own culture. The  culture  makes each country very special and different from one another, so does the person belong to a particular culture. Therefore the role of the culture in the process of national progress is unquestionable. The way we are brought up and our personality is built up has  a lot to do with the culture. Therefore  culture means a lot to the nation as well as to the  people. It is a fact that we always  prefer to hold on to our culture as we attach an  emotional  component to our culture. Therefore  one can be easily offended in cultural issues.   It is very difficult for a person to understand and get adapted to another culture in case the  situation  demands. Therefore when we visit a  foreign  nation, one of the difficulties we encounter is the cultural issue. Due to our way of living, customs and manners change completely and it becomes a novel experience to us. Sometimes we get confused regarding what to adopt and  what  not. Some times when in the foreign country, we are forced to adopt certain manners  which are exact opposite to our idea of culture, as a way of showing civility. So it can cause a lot of discomfort to us,  especially with a person who is very new to the country.  Therefore  it paves the way for a cultural shock for the individuals new to the country. For the individuals very new to the country, the one way cultural shock arises is through the communication issues. Communication is everything to an individual. So when there is not a space for an easy  communication, it really frustrates the individual. But  here in this country, language barrier is not at all a matter as  English  stands as the  global  language. But for an individual from a non-European country, it is not very easy to catch the foreign accent  which with they speak  English. Once he or she gets  accustomed to the  foreign  accent, which is no longer a matter to him or her.   Ã‚  Ã‚   Cultural shock is not something which we need to be scared of; it can be overcome through proper planning and understanding. Adopt the things which fits us, feels us comfortable, and which seems to be good. Through this we can minimize the shock since a change has never been difficult for human beings.   Few things which you find difficult to get adjusted in the initial stages are: The climate   Food   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  (Climate change and food is not related to the culture, but its a huge  task for foreigners to get adjusted with the climate and typical food over there) 3.  Ã‚  Ã‚  Social behaviour Language   It creates a little discomfort to us. But time makes it manageable To sum up, cultural shock occurs as the result of ones total immersion in a new culture. It happens to people who have been transplanted to abroad.  As it is mentioned earlier, the problem with the culture shock is mainly for the new comers.  Newcomers may be little anxious and worried because they even do not speak the language as exact as it is, know the customs, or understand peoples behaviour.  But the problem no longer exists as he or she starts understanding and learning their customs and manners and begins to get adjusted to the culture in a way that is not challenging ones own culture. Therefore the process needs time as  it is a process to obtain a true realization of the atmosphere we are. PROBLEMS FACED BY INTERNATIONAL STUDENTS As human beings every individual has to face different kinds of problems in their life. Problems can happen at any time to anybody in any situation but we should try to handle all the problems. In this context, that is studying in UK the international students should face different kinds of problems some of them are Language barriers communication skills Plagiarism Acceptance of culture Problems relating jobs Immigration Difference in education system I. Language is one of the important medium of communication. Without communicating each other we cannot understand others views, ideas and feelings and we cannot transfer our perceptions to others as well. People from different countries they use different languages not only the language but also the accent, pronunciation, style of talking, way of expressing their feelings everything varied from each other. So when these people come to UK to continue their higher education its quite difficult to adjust with each other. For example people from Nigeria have a different style of talking especially their accent is very different so the people from other countries like India, Pakistan, Bangladesh etc. have a slight problem to follow their accent. II. Secondly, the biggest trouble faced by the students is plagiarism. In some countries for example in India, there is no problem like plagiarism while submitting the assignments. So once we started to study here it is a big tension for the students at the time of assignment submission and they are working hard to lessen the percentage of plagiarism. Not only the plagiarism but also the way of submitting the assignments is also different in many countries. Here first we should submit the assignments through breo and again we should submit it in a different way. All these are fairly new to the international students. III. Culture is something an individual should follow through out his life. So when we go to some other place where the culture is different it is very difficult to accept that. Culture reflects an individuals character, behaviour and over all it gives an outline of that person. If we believe in one culture its not very easy to change that. Other important fact is that here the living style and dressing style is different when we compare this with Indian culture. So people from India have a great difficulty to adjust with this culture. IV. One of the biggest challenges faced by the international students is the living expenses. Here standard of living is high so meeting the expenses is a big problem for the students especially if they have no job. Then getting a part time job is not very easy here because most of the companies prefer full time workers and the increasing number of students is also a big problem. The vacancies are less for the part timers but the intake of students in the universities is increasing per year. V. Immigration is not a very big deal for the international students but sometimes it may cause some problems, especially at the time of immigration the officers ask questions if they feel any kind of doubts or if they are not satisfied with our answers may be they will reject our visa. Problems can happen to anybody especially when we are living in another country. But never kneel down before the problems instead we should try to overcome the problems and succeed in our life. Lincy Mathew ID No: 1031582 TIME MANAGEMENT IMPORTANCE OF TIME Time plays great role in everyones life. Everyone has equal time. If nobody uses his time correctly, he will never have it back again. There is no one who can think that he will be success in his life without giving any importance to time. There are so many people who are famous in their different fields, why? Because, they know the importance of time. They spend their time to get that achievement. Time is very essential like our breath to live. We can never think about success without thinking about time. So it is very important to everyone give importance to time. TIME MANAGEMENT There are so many examples of time management. We can take an example of farmer if he will not reap his crop on time then what will happen? Obviously, he will have to face many problems which can be terrible. So time management is very important if we want to become success person in our life. For student, its really necessary for the reason that they must have to be punctual in their every task, not only in exam but also in every second of their study. Regarding my experience of student life In UK, we have to be practical in our study and give much time in study rather than other work. We should manage our time. If students do their work in time and serial ways then they realise that they have lot of time to do their work. Everyone knows the starting time of our life but nobody can think about the last time of our life. Hence we dont know how much time is left in our hand. WAY OF MANAGING TIME Using time table is one of the best way of utilize our sufficient time. In student life, to get achievement in study every students must have to follow their adequate time table. Everyone is different in their nature so using time table is also different from each other. But important thing is that we all must have to use our own timetable. It ensures that students are well prepared and give importance to their routine work and complete their every work in time. Make a good study habit; we should do our work regularly. The time which we spend in waiting, walking and so on, we can use this time to remind our work that we have learned. Make weekly schedule it can help the students to utilize their time. Make daily list to do routine work and study period. BENEFITS OF TIME MANAGEMENT Time management helps to control our life. The activity of pre planning helps us lot. It improves our confidence and efficiency. Without time management students can never think about to meet the goals. Only if manage time can enable them to meet the goals. Time is like an ice-cream, use it before it melts. Therefore give importance to time because it never comes back. From : Sandip Dandi FEES AND FUNDING Although the funding for the higher education has been quite a costly affair, it is being ignored by the individuals who are focussed towards their career especially when it comes to funding of the tuition fee for the studies abroad it is a critical aspect as many criterion have to be met to ensure a bright and purposeful career overseas. Considering the globalization factor overseas education is being opted by millions around the world. As a result even the governments of the developed nations have been signing pacts to exchange the student population for a better learned society. Though funding the tuition fee is one aspect, it has its after effects basing on the approach and the interest of an student shows to start a career on a international note. For example : Considering the tuition fee in the country like united kingdom , one can find the difference as the local students and people from European union are charged roughly around 3000 pounds, Where as the fee for the same course for the international students is 9800 pounds. There are different aspects to be taken care of like the bank loan, maintenance of funds for the student, etc. Hence the legislations of the developed nations should implement a new laws so that the funding issue for the merit students becomes easier .It is appreciable that the universities have started a helping hand in this regard. For example; the university offers scholarship and fee discount if it is paid at once and its nearby 500-1500 pounds. The British government in 2003 has introduced the system of variable tuition fee to help and support the education in the united kingdom and it has been successful in winning the votes of confidence .The government of united kingdom has also taken the initiative of solving the financial issues regarding the funding of education by granting the part time work for the students up to 20 hours per week and it had another practice called post study work permit , which will be granted for the span of two years . This has helped the students to a large extent in clearing their educational, maintenance loans etc. This has also given rise to the chances of increasing settling options in their respective career thus by improving the financial status of the students. Finally the funding factor of foreign education should be delta with great source of understanding and with appropriate information to ensure a peace. TEACHER /STUDENT ROLE EXPECTATION IN UK There are differences in learning styles when collated to one`s country of origin and this presents a difficulty for international students, Therefore in order to explain the differences in learning styles we will look at Hofstede` s (1986) view on cultural differences in teaching and learning which will be classified according to the culture of the society. Thus United Kingdom can be classified under these four dimensions of cultures and this also has an impact on the teaching and learning styles in England which will be discussed below. To further explain the teaching and learning styles in UK ,points will be taken from, Hofstede (1986) cultural differences in teaching and learning, which suggested that societies can be classified under the following cultural dimensions namely power distance societies, individualist societies, weak uncertainty avoidance societies and masculine societies .Firstly UK can be described as a small power distance society in the sense that in terms of their learning styles it is discovered that in school here teachers are expected to respect the independence of their students but in other countries like Nigeria which can be classified as large power distance society students are expected to respect their teachers, also in UK students are allowed to ask questions freely in class while in Nigeria the reverse is the case the student is allowed to talk only when invited by the teacher, during lectures in class a two-way communication is used to enhance learning therefore students are required to begin the communication and also students can oppose the teacher in class this issue of communication in class still affects some international students because they still have the fear in them that nobody has the right to speak whilst the lecture is going on or even to go contradicting the teacher. Also some issues that needs to be mentioned here is that in schools here in UK when conflict arises between the teacher and student, the parents or guardian of the student is expected to be in the supporting side of the student. Students here in UK prefer the young teachers than the old ones, in this case we the international students prefers the older teachers whom we believe has the skills of teaching and can as well impact knowledge in us. (this is from Nigerian perception),also in UK emphasis is laid on impersonal truth rather than wisdom which can in any principle be acquired from any capable person. Secondly United Kingdom can be described as a fairly masculine society in terms of their learning styles, this is because in schools male students tend to avoid traditionally feminine academic courses, students also choose academic courses to study in pursue of career opportunities. Here in UK students failure is a serious issue and its a severe blow to one`s self image . Teachers place a high esteem on best students in order to motivate the average students to work harder, it is however discovered that the Education system here in UK rewards academic performance for instance they offer scholarship to students all over the world. Thirdly in looking at the learning styles in UK from an individualist point of view it is discovered that they believe in permanent education that one is never too old to learn, here students are given the chance to do certain things themselves that is they are expected to learn how to learn, for example the university of Bedfordshire students are given access to learning facilities e.g. libraries filled with textbooks, journals, newspapers, access to computers in the library with Wi-Fi , free internet for students who live in the school hostel also library services can be accessed from home through digital library you can read e-journals, search data bases, check the catalogue and so on, All these resources provided by the school was to ensure the students learns how to learn and not solely depending on the lecturers for information. It is also found here in UK that lecturers tends to be unprejudiced they never give room for any preferential treatment they treat everybody as equal u nlike Nigeria where lecturers give preferential treatment to those related or close to him or rather those from the same ethnic background with him. In UK Education is viewed as way of enhancing one`s economic importance and self esteem based on skills and suitability, high value is placed on one`s suitability on skills and knowledge acquired rather than acquiring certificates. Finally United Kingdom is classified under weak uncertainty avoidance societies in terms their learning styles, however in this type of society students are convenient in an unstructured learning condition in school such as vague objectives, broad assignments, no timetables and so on, the international students finds it very hard to cope with this situation. Their view of a good teacher is one who uses a plain language to teach, hence teachers are allowed to say I dont know in class. Also it is being discovered that the students and teachers here are expected to restrain their emotions rather than expressing it. Students are rewarded for creativity. The learning styles in United Kingdom are completely different from other countries, for example in university of Bedfordshire the school environment is well structured and it is a conducive place to study. Generally United Kingdom is really a wonderful place to be in terms of academics. IBEKWE LINDA .U. 1031633 CONCLUSION In conclusion, this report shows that international students must undergo certain experiences such as culture shock as a result of change in the environment but further indicates that potential international students shouldnt be worried about that because it is a normal phenomenon that must occur. The report clearly also stated the importance of managing time through the use of time tables and related tools for managing time. Another issues analysed is the learning styles in Uk. It observed that this style were they make their lectures interactive ,enable their students learn independently and this is also achieved through the use of learning material in the libraries,internet,and other information sources. The report also indicated other problem like, immigration problems of unemployment, acceptance of culture, plagiarism, language barriers, and differences in education system. The report finally concludes by appreciating the environment of the UK as conducive for learning for inter national students. RECOMMENDATION This report shown the difficulties faced by international students in trying to adapt to a new academic environment and also providing a student view on possible approaches for improvement of their experiences. However some recommendations are made to enable the institutions in UK to make some changes in which will help enhance the students experience in studying in UK they are: firstly the institution needs to look into the teaching and learning styles to know whether they fit into the specific study needs of these students, also tutors should judge the suitability of strategies when accessing cohorts of these students for example the use of group work. Secondly the institution should make a provision for the students to instigate the social adjustment they student need to make. Thirdly the use of ice breakers is very important in the first one or two classes this helps students to get to know each other very well and also feel less self-conscious .finally tutors should also bear in mind that non-verbal communication is also a useful way of communicating in class and that there is a need for sensitivity towards cultural diversity in the classroom.

The Causes Of The Civil War Essay -- essays research papers

"The tragic ‘fireball in the night’ imagined by Jefferson had finally rung. The Missouri Compromise had failed. Proslavery and antislavery civilians clashed in the streets and took up arms. Thousands of Northerners were willing to die for their beliefs. The Civil War had begun. The states were at war with each other." This dividing battle between the North and the South was unavoidable. The Civil War was caused by economic, political and moral problems. It all started by an alarming increase in a need for cotton, which triggered the building of a barrier between two territories in a growing nation. New Machinery was changing the textile industry in New England and Britain. These mills needed more and more cotton, creating a new demand in the south. For this trade with Europe, after 1812, raw cotton accounted for one-third all cotton exports of the United States. By 1830, it increased to half. Cotton quickly became a big money-making cash crop for the South and North economy alike. But the demand also revived the need for slaves. The plantations had to be worked, and blacks were a cheap, efficient way to get the cotton picked. To make their jobs easier, Eli Whitney took advantage of the new idea, and invented the cotton gin(short for engine). It rapidly cleaned the seeds from the short, sticky fibers of upland cotton, the variety that grew all over the South. The process was simple: a roller carried raw cotton along wooden slats. Sharp metal teeth thrust through the slats and quickly pulled the fibers from the seeds. In 1794, he obtained a patent. Whitney still earned little because it was simple enough for manufacturers to copy. Even though the machine made attaining cotton faster, slaves were still pushed to work harder and produce more. Blacks under captivity certainly led a harsh, unfair life. But that is where the white southerners believed blacks belonged. Northerners knew better. Harriet Beecher-Stowe, a female, black abolitionist was aware of these conditions. She wrote Uncle Tom’s Cabin, which was published in 1852, and described the incredible cruelty and horrors of slavery. Stowe wanted to "write something that would make the whole nation feel what an accursed thing slavery is." Her novel became widely popular, and within a year, readers had bought 300,000 copies. Wherever it went, it ... ...opular sovereignty was also put into effect. This act gave the voters, in each territory, the right to decide whether to become a free state or a slave state. Together, they rendered the Missouri Compromise meaningless. As the South’s dependence on slavery increased between 1790 and 1860, the gap between the Southern cotton economy and industrial economy of the North widened. The opposing goals and needs of the North and South created a deeper conflict- a conflict that eventually lead to war. Basically, the North fought to keep the union together, and give black slaves freedom, while the South fought for their lifestyle, homes, and to keep things together economically. The northerners had high moral issues while the Southerners wanted to keep their plantations and cotton production. They weren’t willing to give up there slaves. There were too many conflicts between the two territories, so they fought to resolve them. John Brown, a vengeful abolitionist put it best, "the crimes of this guilty land will never be purged away, but with blood". The north won the war, and ties were broken. The barrier they had started to build so long ago finally crumbled.

Hamlet and Laertes: Pawns of the King :: Essays Papers

Hamlet and Laertes: Pawns of the King 1 In Shakespeare’s play Hamlet [Titles] the actions of Laertes and Hamlet are the focal point of the play. They are the sons of major characters who must have grown up together in Elsinore castle, and known each other for years. Laertes warns his sister Ophelia about continuing a relationship with Hamlet because of his royal obligations. The tragic deaths of their father’s [No '] forces them both to seek revenge at all costs. They learn that pursuing revenge is a dark way to travel and it cost them their lives. 2 Hamlet and Laertes are both close and loving sons. The emotional outbreak of shock from Hamlet as his father’s ghost told of his most unnatural murder (Act 1 Scene 5 Line 25). [Frag -1] His father’s ghost had confirmed Hamlet’s suspicions (Act 1 Scene 5 Line 42). Hamlet seems to have a deep[ly] felt loss for his father that can only come from love for his father. The love for his father is twisted later by rage. Laertes is much loved by Polonius, as he leaves for his ship back to France, Polonius gives him a torrent of fatherly advice and his love (Act 1 Scene 3 Lines 55-80). [CS -1] Polonius and Ophelia give him a warm good-bye: they are a close family. 3 Ophelia is a point of contention for both Hamlet and Laertes. Hamlet has been attracted to Ophelia and she to him (Act 1 Scene 3 Line 100). Ophelia is very much attracted to Hamlet and has been told by Polonius to discourage him. Laertes loves Ophelia as a sister and warns her of Hamlet’s show of affection toward her, reminding her of his royal role (Act 1 Scene 3 Lines 10-42). Hamlet and Laertes care for the girl[,] and her feelings for both of them are dangerous for her. Ophelia’s mind is torn apart by Hamlet’s rage against his mother as he turned his frustration on her, telling her to get herself to a nunnery (Act 3 Scene 1 Line 120). The sight of Ophelia’s madness when he returned, melts Laertes’s heart and deepens his need for revenge (Act 4 Scene 6 Line 185). 4 Laertes[,] as Polonius’s son[,] could not imagine being disloyal to the king.

Harriet Beecher Stowes Uncle Toms Cabin - The Book that Started a War :: Uncle Toms Cabin

The Book that Started a War    Uncle Tom's Cabin, also called Life Among the Lowly, was written by Harriet Beecher Stowe.   It is a realistic, although fictional view of slavery.   The main characters in this story are Uncle Tom, Eliza and George Harris.   Uncle Tom is a pious, trustworthy, slave.   He never wrongs anyone and always obeys his master.   A very spiritual person, Uncle Tom tries his best to obey the Bible and to do what is right.   Eliza is a beautiful slave owned by George Shelby, Sr., the same person who initially owns Tom.   Eliza has a son, Harry.   Eliza's husband, George Harris, lives on a nearby plantation.   George is a brilliant man, and invented a machine that was used in the factory he works in.   His owner became jealous and demoted George from his factory job to doing hard labor on the plantation.   This story takes place throughout the states of Kentucky and Mississippi.      Chapters 1-5      Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Because his Kentucky plantation was overwhelmed by debt, George Shelby, Sr. makes plans to trade some slaves to a slave dealer named Haley in exchange for debts being canceled.   The dealer selects Uncle Tom as payment for the debt.   While the two are discussing the possible transaction, Eliza's son, Harry, comes rushing into the room.   Haley decides he wants to take Harry also, but Shelby refuses to part with the child.   Eliza, overhearing part of the conversation, is frightened and confides her fears to her husband, George Harris.   The fact that George's owner is mistreating him, combined with a possible sale of his son persuades George to begin planning to run away.   After inferring from an overheard conversation between Mr. & Mrs. Shelby that they are indeed going to sell Harry and Uncle Tom, Eliza warns Tom and she runs away.      Chapters 6-15      Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Eliza is able to cross the Ohio River and get to a safe place before Haley's two hired slave-catchers can catch up with her.   Although he was warned, Uncle Tom stays on the plantation, leaving it up to God to protect him.   At the same time, George Harris begins his escape.   Disguised as a Spaniard, George takes his time finding a route on the underground railroad.   He just happens to go to the same place where Eliza and Harry are being hidden.

Should a Concealed Weapons License Be Allowed in the U.S.

As citizens of the United States, we have the option if deemed necessary to possess a weapon and use it for self-defense. The Bill of Rights of the United States Constitution, second amendment states that we have the right to bear and keep arms. Because often high crime rate in some areas may be a reason why a citizen may choose to carry a concealed weapon. Crime is something that looks like it will be an unending situation that is not even close to going away. Possessing a weapon as a use for self-defense will help to protect a citizen when one needs to defend themselves. Others of us feel that firearms play an important role in our lives both from the standpoint of sporting and hunting as well as their application to principles f self-defense particularly when patients represent a high risk population† (Dante, 1996). One may agree that having a concealed weapon would decrease the crime rate but the question is, does it really make a difference? Criminals have a choice about c ommitting a crime or not. â€Å"Many believe that restricting access to firearms would result in a decrease in crime, especially violent crime.Others believe that restricting access to guns would have little to no effect on crime rates and would only trample the rights of US citizens to possess guns† (Gigs, 2009). Owning a gun is seed primarily for self-defense against a criminal and not to mention animals that are out of control. We Just need to keep in mind that a weapon is not a toy and that there are consequences to pay if not used correctly. Each individual state has its own laws on carrying a concealed weapon. Depending on which state that a citizen is a resident of is where it is based on whether a citizen can carry a concealed weapon permit.The different permits for carrying concealed weapons among states are shall-issue, may-issue, and right denied. Something to be aware about a concealed weapon permit is not all state permits are honored in another state. For exampl e, if one were to get a concealed weapons permit in California the permit will not be honored in Nevada. There are some advantages and disadvantages when it comes to being allowed to carry a concealed weapon and reasons why some of these laws may or may not be so lenient. Some states like Texas and Florida are liberalizing the laws for carrying a concealed weapon. Some states are tightening or toughening up the laws concerning obtaining a concealed weapon. These include Massachusetts and New York† (Dante, 1996). All citizens should have the right to carry within limitations. Is it true that there is a relationship between right to carry individuals and increase in violent crime? In Citizen defend thyself,: it states that the relationship between right to carry and high crime rates are actually lowered (Hood, 2009).GAO reports that as of March 2012, the right to carry law is currently allowed in all states, except Illinois. The laws aiding these states allow right to carry laws , and the argument still is skeptical of the research behind the tolerance of this law. Despite the research that points to the conclusion that violence is variable, public suspicion points that violence increases with the ability of a citizen to carry concealed arms. However, according to GAO, the amount of individuals issued concealed weapons permit is 8 million citizens.The United States census states the population of the United States currently as 314,441,706; the relationship displays that less than 3% of the overall population maintains a concealed weapons permit. The majority of the population does not carry a concealed weapon license. The relationship between the aspect of increased violent crime and right to carry does not seem substantiated u to such a low national ratio of concealed weapons license. In actuality, this will show that right carry laws provide a direct impact on preventing violent crimes than the assumption otherwise.Individuals need to base their priority on obtaining a concealed weapon's license on specific criteria. Each state varies on issuing a weapon's permit, background checks must be completed, and the extent of the background check varies with the state. According to Hood, right to carry laws should be evaluated on an individual basis, based on the area he or she is in, consistency of ravel, and prior background. The amount of applications that are denied a concealed permit is under the complete discretion of the state.Depending if the state has a may issue or shall-issue permit law, the discretion is normally used on the cause for the applicant. Hood explained that most applicants that apply for concealed weapon license is due to the fact of personal protection from a prior experience as a crime victim. A victim that has been directly affected by a violent crime may never feel safe without a concealed weapon at his or her side. A concealed weapon will be useful to he applicant if he or she has received threats or lives in a high crime area.If the individual lives in a high area of crime, the relationship between fear of a crime and when a crime will be committed is Just reason for the citizen to be granted a permit. In California, â€Å"issuing authorities (local law enforcement) told us that an example of a good cause is a business owner who may regularly retain cash on-hand used to pay employees. â€Å"(GAO, 2012, p. 13) How frequently an individual travels with a concealed weapon is also a basis of Judgment to consider issuing permits.If the individual's behavior produces an unwillingness to leave a weapon at home instead of carrying it across state repeatedly, this might show that in reality the person is not concealing a weapon Just in the high rate of crime area. This basis will work more effectively in preventing the wrong hands in acquiring a concealed weapon license. Simple background checks in some states such as Colorado, allow us to rethink the policies to issue weapons to the general pub lic. The necessity of right to carry and conceal on an individual basis will help avoid tragedies and catastrophe that shame our moral obligation to society's welfare.Right to carry laws does not interfere or cause violent crime in society. The presumption of citizens that carry a concealed weapon is the cause of society violent behavior need to be reevaluated based on research in high rate areas. The most important reason all citizens should have the right to carry arms based on an individual basis is because the passage of right to carry law actually lowers the incident of violent crime. Hood also explains that in New Orleans, the percentage of concealed weapons' carriers and the relationship to high crime is lowered in the eyes off permit holder.The use of a scientific survey to the general population in New Orleans shows most evidentially when questioned if their city was below the national crime average. In Hood's survey, 33% of non-permit holders believed it was lower, while 3 8% of permit holders believed their city was below the national average. However, the fact remains that the effects of right to carry laws vary across time, geographic context, and by the type of crime. Citizens are the variable in each equation and if you isolate all violent crimes into one group it would not benefit the scientific research inhibited concealed weapons.This relationship is caused by the type of crime, for instance an individual that was mugged will have a different experience if someone was sexually assaulted or raped. In Crime in economics and states, it explains that crime is subject also to the economic state of the country, not just type of crime. If a country economic state is poor, you would most likely see a reaction by an increase in theft. (Bessie, 1999) Obtaining a concealed license and the type of crime has to be evaluated and determined if the crime was avoided or it was cause of the crime.Citizens that can carry a concealed weapon feel safer in high rim e areas. The disadvantage of others that may be harmed due to the fact of a concealed weapon on person is the state of mind of the carrier. However, in light of concealed permit holders state of mind, this group feels the area around them is a much safer place than without a concealed weapon. The reality of Justifying good cause for a moral individual to be issued a concealed weapons permit will be a deterrent for violent crime to occur. Why is Japan considered to be the safest country?In Japan the crime rate is not so high and Japanese citizens can leave a bicycle unlocked without worrying about someone stealing it. The Japanese Justice Ministry's Research and Training Institute has, in its 1977 â€Å"White Paper on Crime,† compared domestic crime rates to those abroad and says that Japan is by far the safest industrialized nation in the world† (Douglas, 1977). Japan is known to be a safe place with less crime compared to the United States. Japan's gun-related crime ra te is only eleven deaths per year which is unbelievable when we look at the crime rate in the United States.The only weapons that are allowed in Japan are air guns and shotguns. The process to get a gun is rather lengthy. Japanese law, however, tarts with the 1958 act stating that â€Å"No person shall possess a firearm or firearms or a sword or swords,† later adding a few exceptions. (Fisher, 2012). To acquire a gun, a Japanese citizen needs to go through a one day class and passing a written test, passing a shooting range class, mental fitness and drug testing by a medical check- up. The medical reports need to be filed with the police.There is also a criminal background check that is required for the air gun or shotgun. Once all the requirements are met, you would need to provide all the necessary documentation on where the gun will be kept and locked in the house. The police are required to inspect the gun every year while re-taking a class and test every three years. The process is difficult and in my opinion would discourage a Japanese citizen from having a gun. Japanese citizens do not seem to have any issues about their gun laws.The gun control and laws are stricter in Japan, forbidding sales and buying of handguns, small-caliber rifles, and toy guns. A Japanese citizen could be charged with holding a gun, possessing and shooting unlicensed bullets if they were to shoot a gun. Although Japanese citizens are limited to owning air guns and shot guns, enforcing a concealed weapons license may not be something that Japanese citizens would consider because their police force takes care of their Job in a manner that one would not require one to own a handgun. Japan enjoys one other benefit that may be related to the low crime rate, an efficient police force and a tradition of citizen cooperation, which help give the country the highest arrest rate, relative to crimes committed, of all advanced nations† (Fisher, 2012). In conclusion, the fact rem ains that the effect of right to carry law varies across time, geographic context, and by the type of crime. All citizens should have the right to carry arms within limitation for two main reasons. First, right to carry law should be evaluated on an individual basis based on area he or she in is, consistency of travel, and prior background.But most importantly, the passage of the right to carry law lowers the incident of violent crimes. â€Å"As the respective examples of Luxembourg and Russia suggest, the kinds of people who murder will either find guns despite severe controls or will find other weapons with which to kill† (Amuser, 2006). The majority of people that apply for the concealed weapons licenses have been victims of crime. Owners of a concealed weapons license typically view their society a safer place. Plainsman (n. D. ) states â€Å"Robbery rates in right-to carry states were rising until the laws were passed and then fell continually after that point. Is there a â€Å"Robbery Effect If a person is unstable, then most likely they will not be able to complete the process to obtain a concealed carry license. It's not the license that causes crime, but it's the person's mentality. According to â€Å"The First Decade Of The Tennessee Handgun Permit Law Shows Very Good Results By Legally Armed Citizens In Tennessee† (2004), â€Å"There are o incidents that can be found where in a defensive incident a Tennessee Handgun Permit Holder shot or wounded in some manner, any innocent person.There are a number of defensive incidents where a Tennessee Handgun Permit Holder used his or her pistol to defend themselves or another party but, only the aggressor was harmed. † (Self-Defense Incidents Also Reflect Good Results). Q). If a no concealed carry law passes then that's only going to stop the law abiding citizens, not the criminals. Just because a person has a license to carry a concealed weapon, does not cause violent crime in society. Crime is created by the state of mind of the person with the weapon, not by the legality of owning a weapon.

Advertising Planning and Implementationn

Running Head: ADVERTISING PLANNING AND IMPLEMENTATION Advertising Planning and Implementation Melanie Boggs September 14, 2011 MKT/447 Jeffery Manning University of Phoenix Advertising Planning and Implementation This paper focuses on the key elements of Pepsi’s advertising plan and how putting that plan into action affects consumer behaviors. What the advertising message says to the consumers should match up with the reception the company expects to receive.Many aspects of the plan includes it target audience, consumer behavior, positioning, media outlets, and the creation of the advertisement. These elements create the layout for the plan to be put into place for actions to be taken by the consumers. The advertising message is the â€Å"strategies used to convey what a company wants to say and how it wants to say it† (Arens, Weigold, Arens, 2008). This message also is known as the message strategy. Achieving the goal is meeting the message objective. Ads must portray the image necessary to achieve the message strategy.The agencies creative team must come up with a plan that â€Å"agrees with the target, product, media, and message† of the ad (Arens, Weigold, & Arens, p 374, 2008). Pepsi’s advertising messages of its new ad campaigns tells consumers that the product is still alive and in competition with Coke-Cola. The creatives of the ad must understand the target audience for which the ads are fashioned. Advertisers and marketers target audiences through segmentation. Some of these types of segmentation are demographic, geographic, geodemographic, psychographic, behavioral, benefit, and volume.Many ads combine a mix of these to reach consumers through different levels of segmentation. Demographic segmentation targets consumers on the basis of â€Å"age, sex, ethnicity, education, occupation, income, and other quantifiable factors† (Arens, Weigold, Arens, p 174, 2008). Geodemographic segmentation is targeting on the basis of loyalty to a brand from the cause of a demographic influence, such as the Dancing Teddy commercial. Geographic segmentation targets a specific area, such as country, state, city, or providence, and its size (Dancing Santa).Psychographic segmentation is on the basis of â€Å"values, personalities, attitudes, and lifestyles,† such as the new Pepsi ads competitive nature (Arens, Weigold, & Arens, p 177, 2008). Behavioral segmentation is on the basis of purchase behavior. These include â€Å"user status, usage rate, purchase occasion, and benefit sought† (Arens, Weigold, & Arens, p 170, 2008). Benefit segmentation targets consumers through ads on the basis of â€Å"high quality, low cost, status, sex appeal, good taste, or health consciousness† (Arens, Weigold, & Arens, p 173, 2008).Volume segmentation is the basis on how often consumers use the product. However, Pepsi’s new commercials do fit a mix of these segmentations. Consumer behaviors are the â€Å"m ental and emotional processes and the physical activities of people who purchase and use goods and services to satisfy particular needs and wants† (Arens, Weigold, & Arens, p 145, 2008). â€Å"Advertising’s primary goal is to reach potential consumers, and influence their awareness, attitudes, and buying behaviors† (Arens, Weigold, & Arens, p 145, 2008).Understanding the buying behavior of the audience aids in understanding which segment to target. Just as, understanding the audience helps understand the buying behavior. Pepsi’s decision to stay out of commercials for the past three years has given the company plenty of ammunition against its largest competitor Coke-Cola. Positioning refers to the place a brand occupies competitively in the minds of the consumers. Positioning reflects the consumers perceptions about the product whether it is true or not.Through differentiation or market strategy a company may pick a position similar to a competitor and fig ht for its market. The seven approaches to positioning strategies are â€Å"product attribute, price or quality, use or application, product class, product user, product competitor, cultural symbol, and by category† (Arens, Weigold, & Arens, p 241, 2008). Pepsi’s past positions have played from one or more of these strategies. PepsiCo’s current positioning strategy depends on which current advertisement is seen by viewers.These commercials named â€Å"Summer Time is Pepsi Time† (product attribute), Dancing Santa (cultural symbol), Uncle Teddy (product competitor), and the â€Å"Refresh Project† (product user). Many types of advertising media exists, such as magazines, newspapers, e-zines, online newspapers, television, radio, Internet, cell phones, and others. PepsiCo uses every type of advertisement possible to reach its target audiences. PepsiCo also sponsors events, and has its name on Jeff Gordon’s car in NASCAR.At events PepsiCo allows vendors to promote their products through handing out free samples and memorabilia. Pepsi’s â€Å"Refresh Project† is only viewable from the Internet. This advertising campaign medium is thought to attract more serious consumers who may vote on a project or create one to obtain votes for PepsiCo to sponsor, to help build communities worldwide. PepsiCo is advertising Pepsi via newspapers, the Internet, television, and radio. PepsiCo also uses the cases these are in to advertise. For example, the new Pepsi 12 packs advertise for â€Å"The X Factor†, a new talent show.The changes one can make to the product positioning and the advertising message are to create messages that are as universal as the product. Pepsi products sell in more than 180 countries worldwide. The new â€Å"Summer Time is Pepsi Time† campaign ads are also very competitive with Coke-Cola commercials. The use of such ads is extremely dangerous to the company for consumers may begin to belie ve the company is desperate for consumers to purchase its products. Especially, because these commercials are the first for Pepsi in three years.Researching how these advertisements were created, one is led to believe that PepsiCo outsources its agencies. BBDO was the agency for PepsiCo since 1960. â€Å"The agency that has replaced BBDO is also owned by Omnicom. This is the office of TBWA/Chiat/Day, and is part of the TBWA Worldwide unit of Omnicom, Los Angeles† (Stuart, 2008). Creatives in charge of the â€Å"Summer Time is Pepsi Time† ads are Chief Creative Officer: Rob Schwartz, Group Creative Director: Brett Craig, Creative Director: Xanthe Hohalek, Art Director: Chris MacNeil, and Copywriter: Michelle Lewis, according to Emma Bazilian of Adweek.One may not believe that this would be an effective use of company resources because Pepsi has declared to refrain from advertising the product on television to avoid targeting a younger audience. For three years PepsiCo o pts for the Internet, events, sponsors, and in-store advertising as a means to promote its products instead and allow healthier choices to be advertised on television. Other than its competition, consumers are left to wonder what has made the product come back to television, and if there will be a Superbowl ad to look forward too.Consumers may agree after three years Pepsi should have come back to television using its greatest asset, its loyal consumers to promote the product. To make the campaign more effective the product could have entered back into the commercials using less competitive ads and focusing more on the consumers who already enjoy the product or through behavioral segmentation. The company should have declared to the press the reason for the sudden change of health consciousness with the decision to advertise on television, and its decision to use ads that will gain the attention of the younger generations that have been avoided in the past.This will also create a be tter understanding of consumer behaviors toward the product, without the influence of the suggestive ads, whether negative, or positive. Creating an advertisement that could be understood universally, without depicting the specific product would have been an excellent way for the product to enter back into commercials. Press releases, newspaper articles, e-articles and e-zines, and speeches are ways that PepsiCo could have announced its decision to begin making new commercials for the product. ConclusionUnderstanding the advertising message, target audience, consumer behavior, media sources, positioning, who creates the ad and why, are part of the advertising plan and lay out the actions necessary to carry out the ad successfully. Pepsi’s new† Summer Time is Pepsi Time† commercials are the first in three years to be advertised on television. The depiction of this can be relayed to the target audience’s without the use of its main competition. References Are ns, Weigold, & Arens (2008). Contemporary Advertising. McGraw-Hill. Retrieved August 23, 2011, from http://ecampus. phoenix. edu Bazilian, E. July 1, 2011) AdWeek. Ad of the Day: Pepsi â€Å"Coke lover Santa Claus goes rogue in the first new Pepsi spot in three years†. Retrieved August September 13, 2011, from http://www. adweek. com/news/advertising-branding/ad-day-pepsi-133128 Stuart, E. (Nov. , 18, 2008). NY Times. Pepsi Shifts to New Ad Agency. Retrieved September 12, 2011, from http://www. nytimes. com/2008/11/18/business/media/18adco. html Pepsi Commercials. Ads and More. Pepsi. com. Retrieved September 12, 2011, from, http://www. youtube. com/pepsi? utm_source=pepsi&utm_medium=banner&utm_content=panel&utm_campaign=refresh