The United States 9 / 11 Attacks On The Middle East And...

With the American people showing ever increasing interest in Muslims since the attacks on America, it was inevitable that this would change the way Muslims would be viewed in the United States. The 9/11 attacks - carried out by nineteen Islamic extremists - have no doubt changed how Muslim-Americans are perceived in this country, and those feelings have simmered for 15 years now. Even though a stigma against the Muslim American community had been growing in the US because of wars and conflicts, the attacks on the world trade centers in New york marked an era that ushered in mass stereotypes and disenfranchisement for Muslim Americans (Bakalian, Anny, and Mehdi Bozorgmehr). According to Mehdi Bozorgmehr and Anny Bakalian, an Associate Director and Mehdi Bozorgmehr is Co-Director of the Middle East and Middle Eastern American Center at the Graduate Center, immigrants from the Middle East are familiar with stereotypes and discrimination in the United States. In backlash 9 ⠁„ 11, th ey examined the harassment, discrimination, and hate crimes committed by individuals against members of the targeted communities or people who look ‘‘Middle Eastern.’’Islam has established a niche in America. Estimates vary, but there are about 4 million Muslims in the United States and Canada. Although a major portion of this community is made up of immigrants, there has been a steady increase in the number of Americans accepting Islam (History of Islam). According to Karine Walther, an AssistantShow MoreRelatedTerrorism Is An Act Of Violent Protest1567 Words   |  7 Pagestragedy of 9/11. The United States has endured the spread of infectious diseases, civil battles, and minor bomb threats and attacks; however, in most citizens’ eyes, nothing compares to the catastrophe of 9/11. From the unjust prejudice gestures of Americans towards Middle Eastern ethnicities to the advancements in security, it can be established that the events of 9/11 have be en the result of a major â€Å"terrorist† attack that has had lasting effects on America. On Tuesday, September 11, 2001, withRead MoreSeptember 11 2001 : Revenge Against The Americans1202 Words   |  5 PagesSeptember 11 2001, revenge against the Americans September 11, 2001, every American s nightmare. Remembered as one of the most horrendous and inconceivable hours every American underwent. Even today, the events that took place on this day affected every person in this world. Our way of life, our citizen was under attack. Thousand of lives were awfully ended by the attack. Although Al-Qaeda hated America, evidence prove it was a revenge to the American people and not a Holy war. While these attacks willRead MoreThe Roots of the Terrorist Attacks of 9/111175 Words   |  5 Pagesthe 9/11 terrorist attacks are rooted deeper than most Americans realize. The trail of historical events that led to this catastrophe are widely unknown. Many Americans believe that the war on terror began with the tragedy of the attacks on the World Trade Center and the Pentagon and ended with the death of Osama Bin Laden, but in reality, the war on terror has a long and complicated history. This paper will explore the historical events that culminated in the terrorist attack on September 11, 2001Read MoreViolence Is A Quality And Characteristic Of Mankind1457 Words   |  6 Pagesthe 7th century just like any other religion like Christianity and Judaism. ISIS, al-Qaida, book Haram etc., are violent non-state terrorist actors who have used the name of Islam to justify their intolerable crimes and action around the world. Their actions are affecting more than 3billion of Muslim lives in today’s world? While international  terrorism  started before 9/11, terrorism association with Islam was often limited to the  Palestinian-Israeli conflict or other factor that did not associateRead MoreRacial Bias And The United States Essay1895 Words   |  8 Pageshe’s lived in the United States, and what were his religious affiliations all the while looking at him as if they already knew he was dangerous without even allowing him to prove them wrong. As I was watching their exchange, I realized that society does not truly accept Middle Eastern people and their culture. Ever since the terrorist attack on September 11, 2001, racial bias has become more prominent against Arabs and Muslims and as a born American citizen with a Middle Eastern heritage, this biasRead MoreNorth Tower Of The World Trade Center1148 Words   |  5 PagesOn September 11, 2001, at 8:45 AM, Eastern Time, American Airlines flight 111, headed from Boston smashed into the north tower of the World Trade Center in New York. An hour later, a second plane crashed into the south tower at 550 miles an hour. The south tower only lasted 56 minutes, collapsing straight down, killing thousands of people, and creating a dust cloud that sent people scurrying for cover in the streets below. The north tower didn’t last much longer, also collapsing straight down, settingRead MoreEssay on Resentment towards Middle-Easterners after 9/111206 Words   |  5 PagesAircraft, a Boeing 767 flying out of Boston, Struck the North Tower of the World Trade Center at 0845 local time. The Second, another Boeing 767, struck the South Tower of the World Trade Center approximately eighteen (18) minutes later. As millions of Americans watched the events transpire on T.V. a third aircraft, a Boeing 757, collided with the Pentagon at approximately 0945 local. A fourth aircraft, United-Airlines Flight 93 out of Newark New Jersey, was hijacked. The passengers onboard attackedRead MoreSeptember 11th Will Be Remembered As The Most Painful And Unbelievable Days That Ever Happened? Essay1456 Words   |  6 Pagesever happened in the United States. Many people in the U.S was shocked and confused of what just happened. The day that changed the way people viewed life. This heartbreaking events surely affect very Americans, and certainly affect lots of people around the world. Many Americans had to live under a series of deadly terrorist acts. There were many victims were in airplanes and in offices. Thousands of lives were all of a sudden ended by upsetting acts of terror. The attacks had brought a seriouslyRead MoreThe World Trade Center, Flight 93 And The Conspiracies Surrounding 9 / 11 Essay1981 Words   |  8 Pages Pratt Institute The World Trade Center, Flight 93 and The Conspiracies Surrounding 9/11 Dana Weiss World Civilization II/CH 400 Jeffrey Surovell November 22, 2016 History has been defined time and time again by powerful people or groups shaping the social narrative of influential events. Made most famous by Winston Churchill, the notion of history being written by victors pays no more relevant context than the events surrounding the morning of September 11th, 2001Read MoreOral History Of The September 11, 2001 Attacks Essay1412 Words   |  6 PagesOral History of the September 11, 2001 Attacks The day September 11, 2001 stands out in the minds of all Americans, not only because it changed the course of history, but it affected the daily lives of America’s people. Whether they encountered the events first-hand in New York City, or they simply watched the iconic World Trade Center fall on television as the events unfolded, the assaults of 9/11 have left a permanent stain on the lives of America’s citizens. Individuals such as my father, Kurt

Accounting Essay - 1320 Words

Accounting Accounting is the practice of â€Å"†¦maintaining, auditing and processing financial information†¦Ã¢â‚¬  (http://en.wikipedia.org/wiki/Accounting) for the purpose of a company, persons or organisation. There are some fundamental parts of accounting which are; â€Å"Identifying, measuring and communicating† (Black, 2000). You need to identify the important financial sections of a company, person or organisation which will include the companies assets, liabilities, capital, income and of course expenditure. You will also need to measure â€Å"†¦ monetary values of the key financial components in a way which represents a true and fair view of the organisation† (Black, 2000). Finally there is the communication side of accounting, it is vital that a†¦show more content†¦Lenders would want to make sure that the company is in a strong financial position to repay on time any monies lent to them. Similarly for suppliers they would like to be assured that any supplies ordered would be paid for once delivered. Customers on the other hand would want to make sure that any orders made between themselves and the company would be delivered. Prospective buyers of a company would want to check out the financial state of a company before considering making a bid for the company. The Government uses the information gathered within a company’s accounts to asses the amount of tax a company would have to pay and the information is also used to assemble National Economic Statistics and of course a rival business would be interested in the published accounts of a particular company, person or organisation as they would want to find out how well the competition is doing and whether it would be worth trying to compete financially if the company, person or organisation is a successful one. A Company’s owners would be interested in the accounts as they would want to know if their c ompany was making a profit or a loss and also where the companies money was being spent, Shareholders would want to make sure that their shares are increasing and not decreasing inShow MoreRelatedAccounting1024 Words   |  5 PagesQuestion 1:   * Proficient-level:   * There are several important functions performed in an organization, among which accounting is one of them. Define the accounting function and discuss how it differs from double-entry bookkeeping. Answer: According to the Dictionary of Accounting Terms, Accounting is defined as a one step process of recording, measuring, interpreting and communicating financial data by preparing financial statements in order to reflect financial condition and operatingRead MoreAccounting753 Words   |  4 PagesCampbellsville University School of Business and Economics SYLLABUS Course Title: ACC 601 Managerial Accounting Semester/Dates: Graduate Term 1: August 29, 2011 – October 23, 2011 (Traditional MBA) Meetings: Thursday (6:00 PM – 10:00 PM), AD 25 Faculty: Dr. Sunny Onyiri Office: AD 29-b Phone: (502) 365 4424 Read MoreAccounting Analysis On Management Accounting Essay1210 Words   |  5 PagesManagement Accounting Introduction: Management accounting technique is the procedure of understanding, analyzing, exam, calculating, deciphers, and transfers the verbal data to chase of company objectives. The section of bookkeeping is called as cost accounting. The difference between the financial and managerial bookkeeping data is the goal at assist the administrators inside the corporation to create choice as per their situations. Even as economic bookkeeping is intended at giving data to gatheringRead MoreFinancial Accounting And Managerial Accounting1613 Words   |  7 PagesIntroduction: Both financial accounting and managerial accounting provide important information about the business process. On the one hand, financial accounting provides only financial information to its internal users and external users. On the other hand, managerial accounting basically communicates about financial and non-financial information with internal users such as managers, employees and owners of the company. In other words, manag erial accounting provides information to managers who directRead MoreAccounting7049 Words   |  29 PagesAcct 340-Midterm Review Multiple Choice Identify the choice that best completes the statement or answers the question. ____ 1. Which of the following is NOT a process associated with an accounting information system? |a. |auditing existing data | |b. |collecting and recording data | |c. |providing informationRead MoreAccounting Theory And Management Accounting2580 Words   |  11 PagesThough forms of managerial accounting practices can be traced back decades, centuries even, management accounting used to be regarded as a financial tool, advantageous for the financial managers. However, over the past three decades views on management accounting have changed. As Kaplan (1994) states management accounting theory has experienced a revolution in both theory and practice with the development of new innovations. Through advances in information technology, more competitive markets andRead MoreAccounting Analysis : Management Accounting2168 Words   |  9 Pages MANAGEMENT ACCOUNTING Author’s Name Course Name Professor’s Name Due Date MANAGEMENT ACCOUNTING Accounting is a way of measuring a business s financial performance through maintaining records and analyzing them. Financial accounting system produces reports that are generally intended for external stakeholders to evaluate a business. Management accounting is used to provide internal information that management uses in order to assess performance toward goals and objectives. FinancialRead MoreAccounting Scandals And Enron Accounting Scandal1596 Words   |  7 Pages Introduction: In this research paper I will be examining accounting scandals, specifically the Enron Accounting Scandal. First, I will be exploring the history of Enron. Then I will be going into further depth on what accounting issues Enron faced and then I will be explaining what a derivative is. Finally yet importantly, I will consider the different types of Accounting Fraud following a conclusion. Accounting Scandals are born due to collective greed and corporate arrogance. InRead MoreManagerial Accounting Is A Discipline Within The Accounting1541 Words   |  7 PagesManagerial accounting is a discipline within the accounting community that focuses on providing valuable information to the leaders of their organization. The importance of the community relies on its ability to provide information that is not readily found in traditional financial statements developed in the accounting department for reporting to outside agencies. Activity-based management utilizes information developed u sing activity-based costing (ABC) to accurately determine product costs.Read MoreAccounting Practices And The Field Of Accounting1393 Words   |  6 PagesIntroduction to the authoritative resources in the field of Accounting In the era of technological advances, access to information of any subject is abundant. With this vast array of information to tap into, the credibility of the material presented becomes questionable. But throughout history, there are sources of material that have been highly regarded. These sources include Scholarly peer reviewed journals, Trade publications, and information presented by respected institutions or organizations

Film Overview Amelie Essay Example For Students

Film Overview Amelie Essay In 2001, Jean-Pierre Jeunet directed the romantic comedy, Amelie, which hed written along with Guillaume Laurant. Amelie is an excellent illustration of several uses of film techniques. Not only that, but it is a great film to breakdown and show fragments of, including but not limited to its form, content, central themes, and cinematic language and techniques. This storyline also holds multiple implicit and explicit meanings. The content of Amelie is just that. Amelie is the focus of the film. She is the protagonist and her own antagonist at times as well. Jeunet uses editing to his advantage in this movie by including various close-ups and shots that dolly in. One of the central themes of the picture is Audrey Tautou (portraying Amelie), putting in her absolute best effort to enhance the lives of those around her, while making it look effortless. Although she is dealing with an intense amount of isolation, in her childhood it was how her life played out and as she matured, almost more of a self-seclusion situation. In the first few moments of the flick, the audience becomes acquainted with the element of Amelie’s mother missing from the picture, due to a freak accident. She has a pet fish, which she perceives as a type of friend, gets released. She is surrounded by a small circle of individuals close to her, they dont completely understand her. Amelie is alone. The only life that Amelie knows is a life of loneliness, and this is something that she carries on with her. There is a scene in the film where Amelie is in a subway train station. The director uses sounds from an old record player, which is held by a homeless man, and the echoes of footsteps to set the mood for the moment. Bringing up the central theme of Amelie improving the lives of others, she places a few coins in the homeless man’s tin can. Amelie drops an object onto the ground which rolls over to a gentleman down the corridor, causing her to have an hallucination from her childhood. She knows this man, but after a swift moment between the two of them, she darts off. Amelie is detaching herself. This subway scene in the film, might actually hold an underlying implicit meaning in the storyline. Multiple significant figures in Amelie’s life have left her, which might have left her with a fear of other people. Not because of torment, or prior bad experiences, but because of a possible underlying fear of abandonment. Which is ironic, since as a young girl, Amelie’s parents, who were convinced that she had a rare heart defect, helped fuel her post-adolescent self-isolation by preventing her from discovering other children, adults, and in essence the world around her. Something that might have also fueled the idea of Amelie’s self-isolation, could be her father’s withdrawal from society after her mother’s death. Amelie is a product of her past. The emphasis of the film is about Amelie devoting her life to convey happiness to others. Audrey Tautou does a superb job of masking the implicit meaning in which Amelie uses that euphoric feeling of contentment to almost suppress her inner feelings of sorrow, disconnection, and isolation. A scene that really does an exceptional job of screaming out this meaning is when Amelie is observing Mr. Dufayel painting, where some of her bottled-up feelings finally begin to surface. She starts to realize that she is falling for the man in the subway scene. By this point, another central theme of Amelie’s story begins to arise: while bringing happiness to the lives others, she is on the path to finally discovering her own. An additional major element of this film, is Jeunet’s use of cinematic language. The use of mise-en-scene in certain shots is absolutely phenomenal. .uc65fd01d2fcf69cd45137b71992630aa , .uc65fd01d2fcf69cd45137b71992630aa .postImageUrl , .uc65fd01d2fcf69cd45137b71992630aa .centered-text-area { min-height: 80px; position: relative; } .uc65fd01d2fcf69cd45137b71992630aa , .uc65fd01d2fcf69cd45137b71992630aa:hover , .uc65fd01d2fcf69cd45137b71992630aa:visited , .uc65fd01d2fcf69cd45137b71992630aa:active { border:0!important; } .uc65fd01d2fcf69cd45137b71992630aa .clearfix:after { content: ""; display: table; clear: both; } .uc65fd01d2fcf69cd45137b71992630aa { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uc65fd01d2fcf69cd45137b71992630aa:active , .uc65fd01d2fcf69cd45137b71992630aa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uc65fd01d2fcf69cd45137b71992630aa .centered-text-area { width: 100%; position: relative ; } .uc65fd01d2fcf69cd45137b71992630aa .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uc65fd01d2fcf69cd45137b71992630aa .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uc65fd01d2fcf69cd45137b71992630aa .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uc65fd01d2fcf69cd45137b71992630aa:hover .ctaButton { background-color: #34495E!important; } .uc65fd01d2fcf69cd45137b71992630aa .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uc65fd01d2fcf69cd45137b71992630aa .uc65fd01d2fcf69cd45137b71992630aa-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uc65fd01d2fcf69cd45137b71992630aa:after { content: ""; display: block; clear: both; } READ: Cinema - In a World of Its Own EssayThe people that helped to mold Amelie, at times appear as if they could be beings that one would find lurking in a fun house. This could factor into Amelie’s feelings of disconnection from the real world. The dark lighting and sound in the film, particularly towards the opening, especially help to show the disposition and spirits of the main character. The fact that Amelie met critical acclaim and was such a grand slam in the box office is no bombshell. Jean Pierre Jeunet and Guillaume Laurant story of The Fabulous Destiny of Amelie Poulain truly is a cinematic work of art.

The Happenings Outside of Europe Africa and Atlantic World free essay sample

The Happenings outside of Europe Africa and Atlantic World The African leaders responded to European traders by working together with European colonialists firstly because they thought this would protect their freedom. They did not think the Europeans would deceive them and take away their freedom when they signed the treaty. The Africans thought the Europeans wanted to protect them from others or to help trade between their countries and Europe. The African leaders were uneducated and treaties were read by missionaries and traders who talk them into signing.Many Africans join forces because of services weakness. They recognized that Europeans had better weapons for fighting. They were fearful that fighting the Europeans would put their freedom at risk. Several had seen the outcome of other people that resisted. Some Africans teamed up because they wanted to become rich. They like Europeans goods because they seem better. I ask myself, what chance did the Africans have when trying to keep their independence? I came up with they did not stand a chance. We will write a custom essay sample on The Happenings Outside of Europe Africa and Atlantic World or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I feel that manyAfricans had no choice on what they wanted to do. They were uneducated and the traders took advantage of that. Many believed that by joining the Europeans they would live the lavish life, while others believe that if they join there would be some kind of protection. The Europeans manipulated the Africans and everything they stood for. The Africans really believed that the Europeans were for them and the ones that second guess the situations were really scared to say no. They took their illiteracy and control the entire mission.

Book Title Ideas 6 Actionable Steps to Choose a Book Title That SELLS

Book Title Ideas 6 Actionable Steps to Choose a Book Title That SELLS Book Title Ideas: How to Choose the Perfect Title for Your Book I get how frustrating it can be.Writing the book might seem like the most difficult partand then you have to actuallytitle the darn thing!When it comes to writing a book,coming up with reasonable book title ideas is surprisingly one of the hardest parts to complete. It’s difficult because titles are essentially short hooks that advertise your book using the fewest words possible.It’s also what readers look for first whenthey discover new books, and can take less than 5 seconds to make a decision.This is why it’s so crucial to craft a perfect name. Heres how to come up with book title ideas:Write down the problem youre solvingCreate a subtitle to clarifyMake it memorableMake sure its genre-appropriateCreate it to stir intrigueInclude your character in the titleTo help spur your creative process, we’ve created a few essential guidelines for you to follow as you craft the perfect book title ideas for your masterpiece.Since there are different title considerat ions for fiction and non-fiction, we broke these two topics down separately into:How to Choose a Book Title for Non-FictionHow to Choose a Book Title for FictionLet’s create your selling title!NOTE: We cover everything in this blog post and much more about the writing, marketing, and publishing process in our VIP Self-Publishing Program. Learn more about it hereHow to Choose a Book Title for Non-FictionAs you begin crafting your book title ideas for your non-fiction book,the key is knowing that non-fiction readers are looking for solutions.Whether it’s losing weight, becoming a master in sales, or becoming better at fostering relationships, they’re simply looking for a book that will solve their problem. To leverage this idea, here are a set of rules to consider:#1 Your Title Must Include a Solution to a ProblemYour title should be crystal clear on what your readers will achieve by reading your book. Experts say that a title with a clear promise or a guarantee of results will further intrigue your readers.Here are some questions to consider when creating your title:Are you teaching a desirable skill?Can your personal discoveries impact someone’s life?Can your book solve a very difficult problem?Here are our favorite book titles that offer a clear solution to a problem with promising results:Asperger’s Rules!How to Make Sense of School and Friendshipby Blythe GrossmanHow Not to Die: Discover the Foods Scientifically Proven to Prevent and Reverse Diseaseby Michael GregerThe 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Richby Tim FerrissBook Title Ideas Action Plan:Write down the best solutions or teachings your book offers and form these into potential book title ideas.#2 Use a Subtitle for ClarityA great non-fiction title employs a subtitle to clarify what the desired outcome will be from reading yourbook.In this video clip, Chandler explainsin 5 simple steps how to create a compelling subtitle:Here are some questions to consider when creating your subtitle:How can your subtitle further expand on achieving a desirable outcome?What are the biggest pain points that yoursubtitle can provide a solution for?How can you further address your innovative solution in the subtitle?Here are our favorite book subtitles that spell out what their readers can expect from reading their books:The Crossroads of Should and Must:Find and Follow Your Passionby Elle LunaBetter Than Before: Mastering the Habits of Our Everyday Livesby Gretchen RubinWork Rules! Insights from Inside Google That Will Transform How You Live and Leadby Laszlo BockBook Title Ideas Action Plan:Make a list of 10 attention-grabbing subtitles that promise big outcomes and other positive benefits.#3 Make Your Title UnforgettableCatchy titles are memorable, boring titles are not. So make an effort to be more creative and fun with your book title! Use alliterationsto make your title easier to read and remember. A memorable and light-heart ed title adds additional character to your book and is also a great way to attract readers.Here are some questions to consider when creating your memorabletitle:Will a fun title turn a normally boring subject into something more interesting?Will adding humor to your title further entice readers?Will a cleverly written title stand out from other books in this genre?Here are our favorite books that engaged us with clever titlesand subtitles:Me Talk Pretty One Dayand Let’s Explore Diabetes With Owlsby David SedarisTrust me, I’m Lying: Confessions of a Media Manipulatorby Ryan HolidayFreakonomics: A Rogue Economist Explores the Hidden Side of Everythingby Steven D. LevittBook Title Ideas Action Plan:Experiment with different types of styles and poll your audience to determine whether a comedic, shocking, or even bizarre title will be the most appealing to your target audience.No matter which method works best on creating a compelling title for nonfiction books, a good thin g to remember is to always test multiple titles with different audiences to determine which book title generates the biggest response.Getting good feedback is the only way to know for certain which title is perfect for your book.How to Generate Book Title Ideas for FictionGenerally, fiction titles are allowed more creative wiggle room than their non-fiction counterparts. That being said, an effective fiction title must still pique your readers’ attention. And while it’s true that you can title your fictional book with random names, it still mustcatch the reader’s attention.Here are some key guidelines to keep in mind:#1 Your Title Should be Appropriate to Your GenreYour novel title should use language that resonates with both your genre and target audience. For example, a romantic book can call for dreamy language whereas an action book can warrant strong and powerful words.This means that you mustknow your books genre and words that best fit the style of title .Here are some questions to consider for appropriate genre titles:What genre best fits this story?Which are the perfect choice words for your genre?Here are our favorite fictional titles based on genre:Ready Player Oneby Ernest ClineThe Great Gatsbyby F. Scott FitzgeraldThe Godfatherby Mario PuzoBook Title Ideas Action Plan:Based on the genre of your book, pick out a few keywords that best suit its category and evoke strong emotions in your readers.#2 Your Book Title Should Pique YourReader’s InterestA great fiction title teases and leaves your audience wanting more. You want your audience to read your title and think, â€Å"I must read what’s behind that great book cover!†Create fictional titles intriguing enough tocapturethe imaginations of your readers, and get to them to read your story.Here are some questions to consider on how to pique interest with your title:Which key components of your story best captivatesyour readers?What emotions do you want your re aders to have once they read your title?Here are our favorite fictional titles that drew our attention:Fahrenheit 451by Ray BradburyThe Da Vinci Codeby Dan BrownFear and Loathing in Las Vegasby Hunter S. ThompsonBook Title Ideas Action Plan:Choose a theme that will best draw your reader’s attention. Come up with 5 titles that will catch your reader’s attention and pique their curiosity.#3 Look to Your Characters for Book Title InspirationA great book title captures the spirit of the protagonist. Some authors simply use the hero’s name for their  title.Others have combined the names of their hero along with their special qualities to inform the audience about their protagonist’s accomplishments like Charlotte’s Web by E.B. White.On the flip-side, a formidable antagonist can also be an amazing book title.Asinister name can convey a sense of dread and expectation for what’s to come like Doctor Sleep by Stephen King. Both choices are great ti tle ideas and should be seriously considered for your fictional book.Here are some questions to consider when including a character as a title:Between the hero and villain, who impacts the story more?Are there any stunning qualities from your characters that will draw a reader’s emotion?Can the plot of the story be summed up as a title?Here are our favorite fictional books that use characters for its title:Harry Potter(Literary Series) by J. K. RowlingBridget Jones’ Diaryby Helen FieldingEnder’s Gameby Orson Scott CardBook Title Ideas Action Plan:Determine which character best conveys what the story will tell in your title. You may also include creative words or themes to further showcase the character’s unique qualities or the journey itself.Your Next StepsUltimately, the title of your book depends on you, the author. By following these constructive guidelines, you will be able togenerate a number of book title ideas you can use to find the perfect one t hat grasps the attention of readers and soon become an Amazon bestseller in no time!#1 Join your FREE training!This training was created just for you. Make sure to save your spot and sign up right now so you can learn exactly what it takes to write and publishyour book within 90 daysor even less!You wont find this guide anywhere else. Take advantage of this offer so you can spark multiple book title ideas in as little as an hour!

An Introduction to Irregular Verbs in English

An Introduction to Irregular Verbs in English Although fewer than 200 verbs are classified as irregular, these include some of the most common words in English. Here, after briefly reviewing regular verbs, well look at the principal parts of irregular verbs. Review of Regular Verbs Regular verbs have three basic forms: the present (or base form), the past (ending in -ed), and the past participle (also ending in -ed). These three forms are referred to as the principal parts of a verb. Heres how we might list the principal parts of the regular verb laugh: I always laugh at her jokes. (present)She laughed nervously during her speech. (past)We have often laughed together. (past participle) The past participle form works with different auxiliary verbs (has or have; had) to form different tenses. (See Forming the Past Tense of Regular Verbs.) What Are Irregular Verbs? Irregular verbs are those verbs that do not end in -ed in the past tense. Though their endings differ from those of regular verbs, irregular verbs rely on the same auxiliary verbs (also called helping verbs) to indicate past, present, and future time. Principal Parts of Irregular Verbs Irregular verbs have three principal parts: I tell a joke. (present)I told a joke. (past)I have told a joke. (past participle) Some irregular verbs, such as tell, have the same form in the past and the past participle. Others, however, have different forms: I wear a cap. (present)I wore a cap. (past)I have worn a cap. (past participle) With irregular verbs such as wear, we need to learn the different forms for the past and the past participle. Auxiliaries with Irregular Verbs Just like regular verbs, irregular verbs are used with various auxiliaries to form different tenses. For instance, we use has or have with the past participle of an irregular verb to form the present-perfect tense: Tom has worn out his welcome. Similarly, we use had with the past participle of an irregular verb to form the past perfect tense: I had never worn a seat belt before you told me why I should. And we use will with the present form of an irregular verb to form the future tense: I will wear a seat belt from now on. In short, irregular verbs work the same way as regular verbs; they just have different endings. Tables of Irregular Verbs The tables linked below contain the most common irregular verbs in English. Although you are probably familiar with many of them already, study the verbs in all three lists and look for patterns that will help you remember the forms of all these verbs. Irregular Verbs: Arise to GrowIrregular Verbs: Hang to SinkIrregular Verbs: Sit to Write

Pierre Auguste Renoir Essay Example | Topics and Well Written Essays - 750 words

Pierre Auguste Renoir - Essay Example Renoir born on 1845 February 25 and died on December 3 1919 was a French artist who contributed greatly to the movement of Impressionism. The movement is about the artists were not allowed to conduct exhibitions privately. They have to give their paintings to the official salon. Renoir gave some of his paintings to the salon and also at he same time dared to conduct exhibitions privately. He was very innovative and always experimented with his work and brought out new methods of paintings with which the work looked exclusively special. The paintings of Renoir give an impression that the figure in the image is coming out of the image, as though the sunrays are falling on the hats or window, as though there is so much delight in the life of a women or the one portrayed, as though some thing special is hidden in them. The freshness and the openness make us feel divine for a moment and we feel are we in the heaven where there is nothing but joy. One must have an artistic heart to understand the art. Renoir's paintings when viewed, I learned that he frequently painted the landscapes along with other artists of impressionism. He imitated other artists like Cezanne, with small parallel strokes of brush. It is also observed that he was fairly capable enough of painting landscapes but failed experimenting with them. I have chosen the work of Pierre Auguste Renoir because they are not only great but also pretty and whose work seems always to have been done in paradisiacal temperatures. There might be probably no artist to compare with Renoir whose work is with attractive sentiments of charming people. The images look so lively as though she is alive there with living skin. Not only fresh but the way they look can't be explained. Renoir paintings show joy even in the modern days with some chocolate box qualities. People considered his paintings as just pretty and superficial but infact they are profound and done away with intellectuality of the posers and sitters. From the artist the technique to show the bright sun light, the shaded areas, the strokes of brush and the apt color compositions to the nature are the things to learn. Renoir made a self-conscious attempt to make the grand painting through which he conquered the high society and the painting salon or the exhibition as informality of eighteenth century. The painting showed his novel combination of fluid impressionist technique. Here one must remember Vigee-Lebrun. Catulle Mendes was a celebrated poet, publicist, and impresario. He survived with his wife Augusta Holmes, a legendary beauty and a talented musician and his five children. The golden tresses of her were inherited in her daughters also. Renoir's painting "Madame Charpentier and Her Children" fetched much fame and to recall that fame and success he requested his friend Mendes for his consent to paint his three beautiful daughters. His friend Mendes was a publisher of Symbolist poetry and a well-known writer. Mendes wife and his companion Augusta Holmes, an expert pianist and a composer, was the mother of these girls whose names are Claudine, Huguette, and Helyonne. Renoir appealed to his friend like "I beg you to tell me immediately if you want portraits done of your beautiful children. I shall exhibit them [at the Impressionist exhibition] in May, so you can see why I am in a hurry. I shall do the drawings at your house and the portrait at mine". In the painting the eldest girl is seated at the piano and turns to her

Organisational Transformation in Practice Essay - 2

Organisational Transformation in Practice - Essay Example Each of the several departments and business units need to revamp their working and management styles while gradually imbuing the change concept. Moreover the process of organizational transformation helps the employees to gain huge insights into the change process. However the process of organizational transformation also renders potential obstacles and challenges to the managers which must be effectively managed to render efficiency. Organizational transformation as a change process becomes effective if the newer business processes and innovations brought about are rightly absorbed by the existing business climate. Similarly while recruiting newer employees or installing newer machineries and production systems learning must be rendered to train the recruited workforce to inherit the existing organizational culture. Again the existing pool of human resources must be also trained to gain insights about operating the newer machineries to rightly adjust them to the innovative environm ent. (Brynjolfsson, Renshaw & Alstyne, 1997). The process of organizational transformation is found to be a spontaneous process involving the transformation of several organizational factors and business processes. Each of the different organizational factors like human and technological attributes tends to act in a collaborative manner to help in the transformation of organizational dynamics. The several business departments pertaining to customer servicing, resource allocations, financing and billing and inventory and management of distribution channels all contribute to the process of organizational change by effectively altering the existing operational and business processes. (Kamoche, Cunha & Cunha, 2002, pp.182-185). Self awareness - Feelings and thoughts The experience of organizational transformation can be studied along certain relevant parameters like alterations in management and leadership styles, alterations along the personal and at the employee level and changes alon g the organizational climate as a whole. Organizational leaders become closely associated with the transformational themes introduced in the concern to bring about a holistic change in the existing business processes. The approach of the business leaders to help in rendering change in the business processes brought about the theory of ‘transformational leadership’. Leadership aspects in the organizations underwent large amount of transformations owing to changes in the external business environment. Moreover transformation brought about in the existing leadership styles also called for large amount of changes in the behavioural patterns of the leaders making them more courageous and accountable. Further the above aspect also demanded the leaders to develop their visionary potential and thereby inculcate an environment of spontaneous learning. (Simic, 1998, pp.50-51). Similarly the roles of managers also assume equal importance and potential to guide the different organi sational levels to rightly adapt the change process. Role of managers in the change process involve guiding the people to perform in an efficient manner in respect to the changing environment. It is observed in this respect that the upper management body of the organisations operate based

Working in Groups Essay Example for Free

Working in Groups Essay -Have you ever worked on a group project? Was it easy peasy, or was it an unforgettable nightmare? Working together is hard, its no wonder group projects have such a bad reputation. Everyone will have to work on a group project at some point in their lives with a little whether it be school, business, an organization or even an event. Often when working in groups, members communicate poorly or sometimes not at all. In some cases people may even stab each other in the back. There are many difficult situations that may arise when working in groups. Some of the most common are participation, conflict, blame and domination. There will always be some who do not participate as much as others and will take a back seat and ride along the coat tails reaping all the same rewards as others who are working very hard. There may be some conflict because people have different opinions and points of view and may challenge what is being said or done by another member. This is ok, except when comments become personal or directed at specific people. This can often lead to resentment or animosity within the group. Things may go wrong at some point and it is easy to direct blame at someone and can be very damaging to the person blame is being put upon. Other members may direct anger and frustrations toward that member causing them to with draw from the group. Some people just have stronger personalities, I myself am usually one of the more outspoken members but in this experience I chose to take on a different roll because I do not currently have the time to be in a leadership type role. Often the more dominate people leave others feeling as if they do not have the opportunity to make their point or that their point doesnt even  matter. I personally experienced this when making a suggestion at this group projects meet up. As when working on anything, there are always going to be advantages and disadvantages. The first and most important advantage is increased productivity. Each individual can use the best skills they possess, and ensure quality to their work. There will be more resources available to you and the skill level will be broader. When a member is not able to complete something for any reason there are others who can be reliable for it. In a group there will be more ideas, different points of views and many suggestions to help make the group better. The disadvantages are that there is no individual thinking even if you feel strongly about something it must be a group decision in the end. The time an individual puts into a group is unknown and not acknowledged and credit is given as a whole even if you put in majority of the work. The competitive attitudes of people working in groups can also be a problem because some may lose focus as they are worried about who is doing more work rather than who is doing good work. I have worked in groups a few times and all had very different experiences depending on the project or task assigned. I would have to say that the best group experience for me was when working on a school project. When we first met up as a group, together we assigned who would be doing what. We also set up two deadlines in which we met up and discussed progress, problems and other issues anyone was experiencing. I would have to say that project was successful because we all collaborated decisions and responsibilities. Many people as adults already know what they are knowledgeable in and what they would be most successful in completing, so we first picked and chose then assigned what was left. When you are confident or interested in what you are working on it is much easier to complete. This group assignment was difficult in my opinion. The type of experience that gives working in groups a bad reputation and I know I am partly at fault for just accepting the situation rather than trying to make it better.  First off we did not know each other prior and had no clue what to expect of each other as far as interaction and personalities. The three of us met up once in Panera during the lunch rush and loud crowds, which I found to be quite distracting. When I arrived the other two members were already sitting. It seemed that one of the group members felt she had the most experience and pretty much took over. (I will call her the lead) She stated that we can finish this today in like 30-40 minutes My thought were WHAT!! We sat looking up our topic but not seeming to get much done. I suggested that we make an outline what we want covered about our topic and then assign who does what. I received a puzzled look from both and the lead said that due to the topic and type of assignment it just was not possible as it was too broad. The other member appeared to me to be on the quiet side, kind of a go with the flow person. I decided to do the same and stepped back knowing that what I was choosing to do would be unbeneficial to all of us. I felt I would just do what I felt was necessary on my own. The possibilities of problems can be endless within groups, ranging from general negativity to specific problems such as irregular attendance, unwillingness or inability to meet up as well as aggressive behavior or arguments. But the benefits and experience of working in a group make it worth the while and a lot can be avoided by setting up clear guidelines like rules or norms for the group from the beginning. Giving positive feedback and support from other members. And most importantly when problems do arise deal with them immediately and find a resolution to overcome the difficulties within the group so that it will build trust amongst the group and it can move forward positively. People forget that when working together it is every ones goal to make decisions to lead the group forward not just an individual. Groups are made u of individuals with varying personalities, backgrounds and ideas. For a group to work well a bond needs to be developed. Every group needs a leader and each member should feel a sense of belonging, a reason and purpose for their presence in the group. Each and every group experience will have a different lesson that can be learned whether good or bad. Work Cited Armbruster, Rachel Banding together for a cause Wiley and Sons Inc. 2012 Astin, A. (1993). What Matters in college? Four Critical Years Revisited. San Francisco: Jossey-Bass. Web Oct 2014 Hammar Chiriac, Eva, Gareth J. Williams, and Carl Senior. Group Work As An Incentive For Learning Students Experiences Of Group Work. _Frontiers In Psychology_ 5.(2014): 1-10. _Academic Search Complete_. Web. Oct 2014 Rafferty, Patricia D. The Evaluation Of MBA Group Work: A Case Study Of Graduate Student Experiences And Perceptions Of Positive Group Work Outcomes. _Journal Of Education For Business_ 88.1 (2013): 43-50. _Business Source Complete_. Oct 2014

Justice and Peace: The Road to Christian Salvation Essay examples -- R

Justice and Peace: The Road to Christian Salvation War appears to be the most vicious and unpleasant form of human interaction. No other setting allows people to kill each other in such substantial numbers or to cause such incredible and extensive distress. Wars often take many years to develop and they can last for years longer than that and the effects duplicate for decades and even centuries afterwards. A question that is frequently asked is: If war is so terrible, why do people continue to allow it to occur? A simple answer to this can be why isn’t war simply eliminated. Oddly, some actually seem to be fond of war. Armed battle is glorified for making us superior, stronger, and worthwhile beings even though we still have the power and strength to kill others. In the United States society today, the average person feels that war is simply miserable and a vicious act. The Christian majority seem to have bought into the myth that making war, like the rest of foreign policy, is not a moral issue, just a matter of fact. Faith requires Christians to determine when, and under what conditions, they may participate in the war making process. Christians strive for peace but realize in certain extreme cases that war may be a necessary evil to rectify certain situations and this can be shown through the current situation with Iraq. Unfortunately, at this point in time war appears to be inevitable with Iraq. The United States has done everything in its power to communicate with Iraq and discuss negotiations as well as trying to get Iraq to disarm. According to the tenets of Christianity it is imperative that they try to find a peaceful resolution. A Christian â€Å"faith is a relationship with God† (Thomps... ...ar is unavoidable then a just war can take place if necessary. Is war truly the answer to all of our problems or is peace our only means to justice and freedom? Christians would say that peace is our only means to justice and freedom because nonviolent confrontation is much more effective than violence by any means. This can be carried out through love, courage, strength, hope, and wisdom. â€Å"Such action is faithful to the vision of a people living out a life of reconciliation in a violent world† (Yoder 134). Works Cited Kegley, Charles W Jr., and Raymond, Gregory A. From War to Peace. New York: St. Martins Press, 2001. Thompson, Milburn J. Justice and Peace: A Prime for Christians. New York: Orbis Books, 2002. Walzer, Michael. Just and Unjust Wars. New York: Basic Books, 2000. Yoder, John Howard. What Would You Do? Pennsylvania: Herald Press, 1992.

Economics †Product Differentiation in Monopoly Essay

Monopolies are firms that are the sole or dominant suppliers of a good or service in a given market. And what sets apart monopolies from competitive firms is â€Å"market power†- the ability of a firm to affect the market price. Price discrimination is the business practice of selling the same good at different prices to different customers, even though the cost of production is the same for all customers. Only monopolies can practice price discrimination, because otherwise competition would prevent price discrimination. Price discrimination increases the monopolist’s profits, reduces the consumer surplus and reduces the deadweight loss. (the buyers of the lower-priced product should not be able to resell the product to the higher-priced market. Otherwise, the monopoly will not be able to maintain price differentials. ) The monopolist must be able to identify segments of the market that are willing to pay different prices, and then market its products accordingly. A common technique to achieve this is by making it harder to get the lower prices, since wealthier consumers value their time more than their money. Some ways the monopolistic firms can implement discriminatory pricing are; †¢Linear Approximation Technique or Markup Pricing Technique †¢Personalized Pricing – extracting the maximum amount a customer is willing to pay for the product. †¢Coupons and Rebates – providing coupons to attract more customers or providing personalized discounts. †¢Bulk pricing – offering lower prices when customer buys a huge quantity of the same product. †¢Bundling – joining products or services together in order to sell them as a single combined unit. Block pricing – Charging more for the first set of the product, then less for each additional product bought by the same consumer. †¢Group Pricing- charging different customers different price based on factors such as race, gender, age, abilities etc. and also â€Å"psychographic segmentation†- dividing consumers based on their lifestyle, personality, values, and social class. †¢Charging different prices based on geographic location. Some products may be cheaper to produce in different places and based on the cost of the good sold the monopolistic firm can charge different prices in order to maximize its profits. Placing restrictions or other â€Å"inferior† characteristics on the low-price good or service, so as to make it sufficiently less attractive to the high price segment †¢Establishing a schedule of â€Å"volume discounts† (â€Å"block pricing†) such that only large-volume buyers (who may have more elastic demands) qualify †¢Using a two-part tariff, where the customer pays an up-front fee for the right to buy the product and then pays additional fees for each unit of the product consumed.

Nutritional Value of Menu Items At a Local Fast-Food Restaurant

In my pursuit to investigating the balancing the qualities of healthy choices of fast food restaurants were a challenging venture. During a recent visit to McDonalds, I ordered a healthy menu and then selected a very unhealthy menu. My choices included for the healthy choice a rice shrimp burger, side salad, vanilla reduced fat ice cream cone, and Dasani water.   In my selection of an unhealthy selection I chose a Big Mac, large fries, Mcfurry with Oreo cookies, and a large coca-cola drink. The assessment of my analysis provided an interesting result to the pursuit of a nutritional value meal. In my selection of my healthy selection, I discovered that McDonalds provided an easier approach to being able to select a more nutritional food selection compared to other fast food restaurants (McDonalds, 2008). The healthy selection calorie intake was less than 500 which on a world platform is a great attribute for McDonalds to develop and incorporate an excellent healthy meal. The healthy selection was tasty and fulfilling that was surprising for a fast food restaurant. However, the ingredients were not sacrificed in order to make the healthy food selection with low calories which was a good marketing decision at McDonalds. The unhealthy selection posed a greater challenge due to the higher calorie but the taste was slightly more fulfilling with a huge guilt after taste due to the 1,000 calorie meal. The difference was the feeling of self indulgence to an extreme that was both satisfying and somewhat uncomfortable. However, those feelings did not prevent the challenging temptation to stop eating the unhealthy menu selection. In the future, the fast food restaurants could create a marketing angle that ignites a strong sense of identification and acceptance depending on the social environment. For instance, on the healthy choice a marketing plan that provides an emphasis on a surprising taste of trying something new, rather than the ordinary. The imagery of the marketing ad or commercial should present a creative and alluring concept in order to entice the viewer to indulge in a new experience by making a more nutritional choice. In regards, to the marketing angle for the unhealthy selection the marketing angle can focus showcasing a back drop of self-indulgency that goes along with the sensation eating the item. In doing so, the viewer can relate the two and make a concise choice to select the unhealthy item over the healthy one. The key is the effective translation of marketing the extreme in either selection that relates to the selection – that encourages participating in enjoying the menu item. References McDonalds Inc. (2008) Official International Website. Retrieved from http://www.mcdonalds.com            

Necessity Never Made a Good Bargain Essays

Necessity Never Made a Good Bargain Essays Necessity Never Made a Good Bargain Paper Necessity Never Made a Good Bargain Paper Necessity Never Made a Good Bargain John Steinbeck The Pearl is a story about a poor Indian, Kink, who finds a massive pearl. Kink plans to sell this pearl and pay for his sons education. He also plans to have a wedding in the church. Kink needs this money. Therefore when he shows his pearl to the buyers, the buyers have complete control. Kink can only make as much as the buyers pay. The buyers are all working together, so Kink Is going to get cheated. John Steinbeck once said, l know this A man got to do what he got to do (www. Goodness. Com). Kink has to sell the pearl, because he needs the money. Since It Is necessary to sell the pearl, Kink must settle. Kink however does not settle and In the end he loses his son and throws the pearl back Into the water. Necessity proves no help to Kink and so he makes no money. Pawn shops are handy when someone needs quick cash. Often people who go to a pawn shop are rather desperate for cash. Pawn shops use this to their advantage. People bring items in that the shop owner can purchase from them. The shop offers the seller a low price for the item they are trying to sell. In this situation beggars cant be choosers (anonymous). Most of the time the seller accepts the price and test ripped off However, they accept this, because they know they need the money and they have no other way to get it. Hotels have also caught on to this idea. They claim their hotel room mini bar is for the guests convenience; yet they make the prices of these items much higher than their value. People will get something out the mini bar when they need it. These people must pay the hotel twice as much simply because the item was a necessity. Necessity sometimes robs people, other times it is a good thing. When a soldier rushes onto the battle field, they need to be brave. Time has roved that soldiers fight better when they fight for a cause they believe in. When the soldiers are fighting for something they want very badly or need, they have do not fear death. Caucus Saluting Crisps wrote a book about the war of Catalina in it he said, Necessity makes even cowards brave (Assault 58). When people need a revolution or change, they know they must fight for it. People who would not normally fight are now willing to risk their lives because they need the change. The slaves of Haiti were able to overthrow the French and British armies because they were not afraid. They needed to win the war or they would be killed.

Nike Unethical Practices Essays

Nike Unethical Practices Essays Nike Unethical Practices Paper Nike Unethical Practices Paper NIKE Introduction The declaration by Philip H Knight that he would discontinue financial aid to the University of Oregon was a major issue that attracted the attention of the world media. That Mr. Knight had chosen to cut links with his alma mater was an issue that was greatly analyzed not just because of the business compulsions that hid behind the decision, but because the issue was important to understand the attitude of multinational companies towards business ethics. ustom essays Analysis Nike was under international pressure from various communities and non-governmental organizations on the issue of practicing unethical business tactics to enhance profits. For example Nike, which outsources most of its manufacturing tasks to other companies, had to face stiff public censure for possibly encouraging labor practices that provided very little compensation to the workers. Most of Nike’s shoe and apparel manufacturing units are situated in the Asian region where the labor costs are far less when compared to rates in the US. Additionally, the workers in the Asian region are less organized, are constrained to work at lower wages in order to overcome poverty and familial pressures, and so were easily available even if the conditions in the factories were pathetic according to US labor standards. The main issue that often came in for public criticism was that Nike used the services of ladies who could be paid much less in the Asian job markets. Similarly, the peculiar societal culture in the Asian region ensured that large numbers of ladies were available to take up the jobs offered by Nikes business associates in these countries. Another serious allegation which rocked the business prospects of the company was that Nikes business counterparts in Pakistan used child laborers to make footballs. The fact that child labor is banned and considered unethical in the developed nations was a major factor that turned public opinion against the company. The factories that partnered with Nike also paid much less attention to safety standards of its workers. While their American counterparts attended to research and development activities in the relative safety of their offices in the US, the contract workers were exposed to chemicals and strong scents in very hot and humid conditions. The chemicals ith which they dealt were quite harmful to the body and could pose serious diseases that affected the skin, lungs and even the reproductive organs. That the workers paid scant respect to the insufficient safety procedures in the factories pointed to the fact that they were either not informed of the harmful effects of the chemicals, or they were much less concerned for safety when faced with the question of their livelihood. Either way it was plain exploitation of cheap labor and abundant manpower. The ill treatment of workers who often had to work under great mental pressure in the factories was also a great concern that attracted media attention. Workers, especially women, were often rebuked and even assaulted by their supervisors and they had to work for long hours in order to keep their jobs. Often women had to commit to extra hours of unpaid duty in order to confirm to the strict productivity requirements within the company. The pay parity in the companies was also a very big issue when compared with the American standards. The stakeholders of the company and the general public of the United States were particularly peeved at the fact that women had to put in long hours of work in exchange for a pittance for their efforts. In short, Nike’s manufacturing units witnessed human exploitation and economic opportunism that provided rich dividends to the company. The company on the contrary maintained that it was only outsourcing its manufacturing operations to the Asian firms and that the situation in these companies was not under its direct control. However, the public debate and alienation directed against the company was mounting slowly and soon the company managers felt the need to revamp the image of the company in order to arrest the sliding morale of the companys executives. This was particularly necessary because prominent media houses started specifically attacking Nikes policy to not to interfere in the affairs of its franchisees. Nike, which had a good reputation among youngsters, also started gaining reputation as a badly managed company that exploited the economic weaknesses of the South Asian regions. No explanations of the company that it could not interfere with the local operations could convince the US public which believed that the company could enforce ethical work culture if it so desired. Even the high profile advertisements that the company used to its advantage started to get negative appeal in the US markets and that is when the company decided that it had to do something about the deteriorating work conditions in its co-concerns. Nike was initiated into action to promote good work culture when a furore was created on the issue of child labor in Pakistan. Nike immediately compelled its associates to prevent child labor in its factories. This was an important step that let the company management know that administrative pressures on the local firms were necessary to ensure the support and brand image that the company enjoyed worldwide. Of course, all the partnering companies of Nike agreed to the proposals made by the company with a view to prevent unethical work practices in their premises. Many activities that could be considered as unethical business practices such as child labor, exposure to harmful chemicals and fumes, supervisory pressures and assault were effectively checked by Nike even though many people believe that there are enough loopholes for the local firms to exploit. However, Nike went ahead and gave in to many demands that could effectively wear away its new reputation as an unethical business concern. For example, the company hired well known independent auditors to look into the practices of the violation of labor rights in its associate companies. This ensured that the Nike could assess the company even if the company secretly violated labor rules to maximize profits. A bare minimum wage plan was agreed upon in various companies so that the workers could be assured of at least a decent minimum pay. Workers were offered a better safety package so that they could be kept away from harmful chemicals and reagents. A medical plan was constituted to look into medical problems and the internal quality of the factories was made to suit internationally accepted health standards. This meant that the on-site hazards to the workers could be reduced to a great extent. Forced labor was abolished and a maximum limit on working hours was introduced. Similarly, the company discouraged engaging the services of children below a specific age for work in the factories. Labor issues like discrimination on the basis of religion, sex, and age were to be done away with and employees had to be given a right to organize themselves to press for their rights. Even though Nike made tall claims regarding its new labor-oriented practices in its companies, it may be said that all the recommendations were not fully met because there are many loopholes that can be used to work around the stipulations. In addition, the reluctance of the company to accept the demands of the Workers Rights Consortium on the basis of flimsy reasons proves that the management has serious reservations in implementing labor oriented practices because such practices can cut into the profits of the company. In this regard, it must be said that the company wants to make a facade of its labor oriented-activities while it wants to press forward with its practices that exploits the poor and the not-so-privileged.

United States Court of Appeals Research Paper Example | Topics and Well Written Essays - 3000 words

United States Court of Appeals - Research Paper Example Plaintiff - Appellee supported its charge against Defendant Picker on the fact that while Defendant was metal hunting on some private property adjoining the Park while he visited Gettysburg National Military Park. Defendant then found a rare bowie knife worth about $2000.00, on the said private property. The Park Ranger, Hancock who was made a witness for the Government, claimed that he warned Defendant that metal hunting on national park land was forbidden and a criminal act, and should not trespass on the property. The Park Ranger also maintained that he showed the boundary line to the Defendant. The Park Ranger also asserted that he kept a close watch on Picket by being 50 yards behind him, and found Defendant to have inadvertently crossed the property line into the park. The Park Ranger then arrested Defendant on the basis of his claim that he crossed the boundary that was marked, despite the fact that the signs were not readily visible as the signs were only 8 inches by 12 inche s and placed every 150 yards apart, and markings placed under heavily wooded a heavily wooded area that affected the mark’s visibility.

The Puritans Essay Example | Topics and Well Written Essays - 1000 words

The Puritans - Essay Example On September 6, 1620, the Mayflower, a sailing vessel, started her "memorable voyage from Plymouth, England, with about 100 pilgrims aboard, bound for Virginia to establish a private permanent colony in North America." (Roark, et al, 2007). Arriving on November 21, at what is now Provincetown, Massachusetts, 41 of them signed the famous Mayflower Compact. "A small detail of the pilgrims, led by William Bradford, assigned to select a place for permanent settlement, landed at what is now Plymouth, Massachusetts, on December 21." (Roark et al; 2007).The text of the document read: "We, having undertaken for advancement of the Christian faith and the Honour of our King and Country, a voyage to plant the first colony in the northern parts of Virginia, docovenant and combine ourselves together into a civil Body Politick, for our better Ordering and Preservation, and Furtherance of the Ends aforesaid, andenact, constitute and frame such just and equal Laws, Ordinances, Acts, Constitutions an d Officesas shall be thought most meet and convenient for the General good of the Colony into which we promise all due Submission and Obedience" (Roark, et al; 2007)Shortly before Charles I dissolved Parliament in 1629, "many Puritans formed the Massachusetts Bay Colony and were granted a charter for colonization in New England". (Roark, et al; 2007; pp 77-101). In 1630 this group sailed for the New World, with elected governor John Winthrop to lead them. Aboard the ship Arbella, "Winthrop delivered a sermon to his followers about the significance of their journey and their duty as settlers to follow a righteous path and to adhere strictly to God's laws" (Roark, et al; 2007). He and his followers "established settlements around Boston in 1630." Unlike the Virginia colonists, "most migrants to New England were farmers or tradesmen of middle-class origin whocame as part of a family" (Roark, et al; 2007). Their "family ties reinforced their religious beliefs through interlocking instit utions of family, church and community". Unlike their Chesapeake counterparts, New Englanders did not scatter across the land, but settled in numerous small towns located either on the coast or along a river. (Roark, et al; 2007) "The townspeople's strong pietyenforced remarkable religious and social conformity in the communities. The word of God-not elaborate ceremony--- was the focus of Puritan services; and Puritans considered 'church' to be not the building in which they worshipped but the men and women who entered into a solemn covenant with each other and with God to lead a holy and righteous life." (Roark, et al; 2007). Since Puritans were Calvinists, "they believed Christians must discipline their behavior to conform strictly to their religious ideas. Calvinism also preached the doctrine of predestination whereby individuals were either saved or damned according to God's predetermined choice; and their covenant required the disciplining of the entire community; church member s were to observe the behavior of other members and report any transgressions to church elders whose job it was to punish violators of the community's covenant. The church had no direct role in civil government; however, "the Puritans believed that government was ultimately subordinate to the church". They sought to make public life fully conform to their view of God's law, "expecting strict observance of the Sabbath, refusing to celebrate Christmas and Easter, and censuring games of chance, music and dancing, among other things" (Roark, et al; 2007) The Puritans "created a civil government that was governed by Puritans for Puritanism; the leading officials in towns of the Colony were the 'freemen' who had to be male church members; they could vote for governor, deputy governor and other colonial officials. When the number of 'freemen' became too large to meet conveniently, each town agreed to send two deputies to the General Court to act as the Colony's legislative body".

Assignment 2 Essay Example | Topics and Well Written Essays - 1000 words - 1

Assignment 2 - Essay Example Right from the time of birth up to maturity, people anticipate to have some sense of love and belonging. Relationships make people to feel in place. Relationships make people happy and appreciate their life worth living. However, it is the same relationships that cause stress for most people. Relationships are major and common causes of stress for many individuals, especially when the relationships turn sour. People frequently undergo relationship problems such as, but not limited to infidelity. Relationships between spouses, peers, friends, employees and any other form of social systems, are usually characterized by conflicts. Despite the fact that relationship problems are the most prevalent, many people are oblivious of the causes of the problems. It is this lack of comprehensive understanding of the causes and nature of conflicts in relationships that causes stress for many individuals. In most occasions, problems in relationships are associated with concealed conversations and c onduct patterns buried deep within individuals. Most often, people fail to recognize their roles in relationships. Further, many people are always perplexed about what they are supposed to do in order to establish and sustain blissful, triumphant and long-lasting relationships. As they mull over how to make their relationships perfect, most people end up stressed. However, in many incidents, break ups in relationships and lack of understanding are usually what result into stress for many individuals. Relatively few people can manage their stress levels after break-ups. Instead of focusing on positive ways of dealing with their predicaments, many people are often engulfed in sulking and crying over spilt milk, which worsen their situation all together. What stresses one person may not be a problem to the other. According to mental health experts, personality contributes hugely to the manner in which people handle their relationships and stress. According to mental health professional s, individuals with â€Å"Type A† personalities are usually impatient, determined, time-conscious and driven. These personalities if not controlled properly may lead to stress-related ill health. On the other hand, people with â€Å"Type B† traits tend to be relaxed, not overly time-conscious, determined. As such, people with â€Å"Type B† traits often perceive things adaptively. Unlike individuals with â€Å"Type A† traits, they can think constructively and figure out how they can resolve their situations. Generally, individuals with â€Å"Type B† personalities tend to be less vulnerable to stress compared to people with â€Å"Type A† traits (Pejuskovic et al 389). It is often noticed that women and men usually respond to stress differently. One of the reasons that have been attributed to this is hormonal influence (Rai 52). Three hormones are believed to play a significant role in how women and men react to stress. These include cortisol, epinephrine, and oxytocin. In the event of stress, cortisol and epinephrine hormones are released, which increases blood pressure and also increase blood sugar level of an individual. Cortisol also reduces the efficiency of an individual’s immune system (Rai 52). In women, cortisol and epinephrine hormones are released into the bloodstream during a stressful event; oxytocin hormone is released from the brain to counter the release of cortisol and epinephrine hormones. Oxytocin also plays a role in nurturing and calming emotions.

Marketing and Citibank Essay Example for Free

Marketing and Citibank Essay ACKNOWLEDGMENT Alhamdulillah, first of all i would like to thank God as finally I was able to finish my assignment that have been given by Marketing lecturer to me. Besides that, not forget also a to my friends Muhammad Kharusani because without his guide me assignment cannot be done properly like this. He always gives supports and guide to me how to do the assignment in purpose to produce a good outcome from research that been studied. Credits also are given to friends class HND1B which help each other to complete this task. Topic that been given by me are regarding concept and process of marketing citibank company. Finally, thank to our beloved friend that always stick together and also work hard to produce a good assignment with all afford and responsibility. Hope that all the effort will give a lot of benefits to me . Not forget also for those who help me complete this assignment direct or indirectly. ABOUT CITIBANK Citibank, a major international bank, is the consumer banking arm of financial services giant Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York. As of March 2010, Citigroup is the third largest bank holding company in the United States by total assets, after Bank of America and JP Morgan Chase. Citibank has retail banking operations in more than 160 countries and territories around the world. More than half of its 1,400 offices are in the United States, mostly in New York City, Chicago, Los Angeles, the San Francisco Bay Area, Washington, D.C. and Miami. More recently, Citibank has expanded its operations in the Boston, Philadelphia, Houston, and Dallas metropolitan areas. In addition to the standard banking transactions, Citibank offers insurance, credit cards and investment products. Their online services division is among the most successful in the field, citation needed claiming about 15 million users. As a result of the global financial crisis of 2008–2009 and huge losses in the value of its subprime mortgage assets, Citibank was rescued by the U.S. government under plans agreed for Citigroup. On November 23, 2008, in addition to initial aid of $25 billion, a further $25 billion was invested in the corporation together with guarantees for risky assets amounting to $306 billion. Since this time, Citibank has repaid its government loans in full. Q1. Present two definitions of marketing and compare both definitions. Provide relevant examples which relate to Citibank case study. Based on Philip kotler definition, Marketing is a social and managerial process whereby individuals and groups obtain what they need and want through creating and exchanging products and value with others. In other words, customer will exchange what their value (e.g money), only if their want is met. Based on my opinion, Philip kotler saying that people change what they want is to gain profit and use their valuable item to change it. In daily life also, we need to satisfy our demand by used exchanging process otherwise we cannot improve in a way of how we live. In wanting to possess such a product, we have to pay a price (cost). Hence, in making a decision to purchase an item, the customer will consider both the value and the price. After we have decided on the product, it can then be procured via the process of exchange or transactions. Based on Citigroup, they are using this strategy to satisfy their customer needs and wants. Based on Rochelle Rucker, Citibank faced a few problems to initiate manual fund problems. When they want to send money from their accounts, they call their banker and then fax, phone or mail in requests to have the transaction processed. Because the process was so complicated, customers complained. Most of the complaints lodged with the department dealt with the time it took to complete the process. So, in order to overcome this problem, Citibank use six sigma program methods to solve it. Six Sigma is a business management strategy seeks to improve the quality of process outputs by identifying and removing the causes of defects (errors) and minimizing variability in manufacturing and business processes. Six sigma used a simple method which is Pareto chart. This chart gives data which has the highest problem occur most often. A team composed of bankers and operations people identified the entire funds transfer process, tabulating defects and analyzing them using a Pareto chart. One of the methods is using internal call-back procedure, which required staff to call the person requesting the funds transfer to make sure that the instructions were correct and hadnt been altered. So in this way, Citibank can ensure that their customer has no problem and problem solved. By using this six sigma method Citibank strives for perfect processes to satisfy customer. In Citibank Malaysia, they have proved their commitment for their customer and community live. A large aspect of Citibank’s corporate citizenship in Malaysia focuses on helping people of all ages better understand and practise financial management. In 2010, Citibank Foundation allocated grants totalling USD208,000 for their community-based projects. They have worked with Radio Television Malaysia (RTM) and invited a new collaboration with ERA Consumer Malaysia to launch the second season of the â€Å"Stretching Your Ringgit† program on TV1, TV2 and Radio RTM. The initiative followed encouraging survey findings that showed more than 70% of Malaysians polled realised the importance of financial management, especially those in the low-middle income bracket. According to American Marketing Association Board of Directors Marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customer s, clients, partners, and society at large. In this case, AMA said that marketing occur when both of the company involve when there is activity among them. Citibank use the same concept which they provide services to their customer to save the money and make it easier. Citibank also provide bank loan, Credit card, Deposits, Investment, Citigold which gives benefit to customer. Citibank also use communicating to contact with their customer to provide services or solving problem. Citibank provide services to customer which can give both benefit. for example Citibank provide bank loan and this can reduce burden for people which has low income. As for the Citibank also, they make interest for those who borrow bank loan and this will give benefit to the firm. Both of definition gives the same meaning in different way. Philip kotler emphasize of the customer needs and wants. We can say Citibank really care about their customer so they will try the best to overcome any problem that customer faced. In india Citibank care their customer, this can be shown by their customer â€Å"I can safely say that Citi provides the best card services for India, which is why most of my spend is on Citi and I recommend it to my friends. A lot of the success is the result of having passionate, committed, service oriented people like Manish. My kudos to him†. (J sajeev, 2011).American Marketing Association which more to creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society. The difference between this concept is AMA is more to set of activity which no related to customer needs and wants. Citibank satisfy their customer and this is the key of how Citibank more success than the others banker in Malaysia. Compare to Maybank Malaysia, Citibank is much older than the others banker in Malaysia. We can say that Citibank is more experience in handling money. Q2. Identify at least three main characteristics of a marketing-oriented organization of Citibank case study and provide an examples for each characteristic. What is marketing orientation? Marketing orientation is a philosophy focused on discovering and meeting the needs and desires of its customers through its product mix. Unlike past marketing strategies that concentrated on establishing selling points for existing products, market orientation works in reverse, attempting to tailor products to meet the demands of customers. In essence, market orientation can be thought of as a coordinated marketing campaign between a company and its customers. Nowadays, business firm use this concept to make their customer stick with their product. We can say that the idea that companies can create a product and sell its features to an eager buying public is no longer concrete. With an increasingly global economy and more and more choices for consumers, companies must be willing to adapt their mark et orientation to stay competitive. Based on my opinion, nowadays in Malaysia, we can see a lot of bank is available. So the competition becomes higher than before. In order to attract more people to use their services, Citibank has to adapt with current situation. Citibank use marketing oriented business to identifying customer, consumer needs and wants. In Malaysia, Citibank provide Islamic banking way to satisfy their customer. By using PEST analysis, we can say that Malaysian people are majority muslim and the idea of Citibank to provide Islamic banking which satisfy customer are brilliant. So people can enjoy with low interest rates given. Citibank in Malaysia facing a problem regarding high interest rate offered, so they make a research and develop a new system which enable customer use their Islamic banking. Another services that they provide is Citibank Guard Savings is The first savings account in Malaysia that’s enhanced with free Takaful coverage against critical illness. Citibank Home i Partner provide Capped Rate, Flexible Payment and Daily Calculation, Citibank Checking Account I is a system provided by checking account that honours the Islamic banking principle of guaranteed safe custody approved by the Shariah body. Based on the services provided by Citibank, we can conclude that Citibank care about their customer needs and develop a new system according to community lived. Just like the others bank, Citibank online will make all the transactions become much easier as customer can save valuable time and money. No more hassles with long queues, parking and travelling. As we can see, Citibank developing products to meet customer needs and wants. So they come out with product and services which give benefit to their customer Credit Cards, Ready Credit, Home Loans, Loans, Deposits, Investments, Insurance, Islamic Banking. So this is basic need in any of bank in Malaysia. What is the differences between Citibank and the other bank? So let’s take an example of Citibank ready card. Citibank Ready Credit is an Unsecured Personal Overdraft with Checking Facility that allows you to access cash easily in any amount in excess of your credit balance up to the approved overdraft limit. With ready card, we can access our balance in credit card even if the amount has exceeds the limits. As a fact, Maybank did not have their owned ready card. Citibank ready card is benefit to their customer as it is convenient to pay, pay for amount that we use. Another characteristic of a marketing oriented business is making the product is available to customer at a righ t time and place. We already know about product and services of Citibank as Credit Cards, Ready Credit, Home Loans, Loans, Deposits, Investments, Insurance, Islamic Banking. Let’s take an example of Credit cards, before this Citibank only produced normal credit for their customer only. But now, Citibank produced a new credit card Citibank at work. Citibank at Work takes Citibanks world-class consumer banking products and services right to the doorstep of employees at their workplace. Apart from enjoying customized privileges across a wide range of products including banking accounts, credit cards, loans, deposits and insurance on-site, employees of these companies also have access to financial seminars and lifestyle events, tailored to their specific profiles and needs. By using Citibank at work, business company can do their job efficiently as they have their own business credit card. Q3. Explain four elements of the marketing concept and relate your answer with Citibank case study. FOUR ELEMENTS OF MARKETING ORIENTED ORGANIZATION Production Concept is a concept where goods are produced without taking into consideration the choices or tastes of your customers. It is one of the earliest marketing concepts where goods were just produced on the belief that they will be sold because consumers need them. It holds that customers will prefer products that are widely available and inexpensive. Manager focusing on this concept concentrate on achieving high production efficiency, low cost, and mass distribution. From my opinion, production concept emphasize on distribution of product. This type of concept are easier to use. Based on the case study, Citibank provided more credit card for their customer. Each customer could have more than one credit card. Product Concept holds that consumers will favor those products that offer the most quality, performance, or innovative features. Managers focusing on this concept concentrate on making superior products and improving them over time. They assume that buyers admire well-made products and can appraise quality and performance. However, these managers are sometimes caught up in a love affair with their product and do not realize what the market needs. Related to the case study, Citibank improved their product to satisfy customer need. Before this, customer got problem to use their credit card where credit card can be used for loan only. But after an improvement, Citibank come out with Citibank Premier Miles card, Platinum, Citi business, Air-Asia Citibank gold. Next elements use is selling concept. It holds that consumers and businesses if left alone, will ordinarily not buy enough of the selling company’s product. Selling concept also is an idea in marketing that if customers are left to themselves, they will not make the effort to buy a companys products. Therefore, it dictates, companies must be aggressive in pushing their sales. Based on my opinion, if company want to sell their product by using selling concept, they have to be aggressive in promoting their product. Not like the older ways where they promote their product by using agents. As for the Citibank case study, nowadays they advertise their product through internet and media more efficiently. Marketing concept is a business philosophy that combines above three business orientation. It holds that the key to achieving it’s organizational goals consists of company being more effective than competitors in creating, delivering, and communicating customer value to it’s selected target customers. These three philosophies are the product, selling, and marketing philosophies. Even though each philosophy has a particular time when it was dominant, a philosophy did not die with the end of its era of dominance. In fact, all three philosophies are being used today. The best way to meet the organizations goals is also by meeting customer needs and wants. The marketing concepts emphasis is to understand the customers before designing and producing a product for them. With the customers wants and needs incorporated into the design and manufacture of the product, sales and profit goals are far more likely to be met. What are Citibank do to satisfy their customer needs based on marketing concept is they make swot analysis to know what can be done to attract more customer in Citibank. Citibank (2009) has mention that their customers can have their banking activities in the Islamic principles. This not only able attracts more customer but Citibank are show that they understand their customer need in the daily banking activities. This principle have apply in Citibank branch in Malaysia. â€Å"What are the reasons behind the recent growth in Islamic finance? One is the strong demand from a large number of immigrant and non immigrant Muslims for Sharia-compliant financial services and transactions.† (Low chee hua, 2010) In order to compete in the rising of the demand of Islamic Banking, Citibank has introduced the Islamic Banking to their customers. So basically, marketing concept is satisfy customer problem and solved it by looking of what customer need. The societal marketing concept was an offshoot of the marketing concept wherein an organization believes in giving back to the society by producing better products targeted towards society welfare. Some have questioned whether the marketing concept is an appropriate philosophy in an age of environmental deterioration, resource shortages, explosive population growth, world hunger and poverty, and neglected social services. The marketing concept possibily sidesteps the potential conflicts among consumer wants. Citibank also take part in their societal marketing. Citibank became a major sponsor of the Sydney Swans in 2005, who is play in the AFL. The marketing concept is about matching a companys capabilities with customer wants. This matching process takes place in what is called the marketing environment. Businesses do not undertake marketing activities alone. They face threats from competitors, and changes in the political, economic, social and technological environment. All these factors have to be taken into account as a business tries to match its capabilities with the needs and wants of its target customers. An organisation that adopts the marketing concept accepts the needs of potential customers as the basis for its operations. Success is dependent on satisfying customer needs. So basically, Citibank use marketing concept to attract more customer to use their services. One of the techniques used is credit card promotion such as Instant Rewards at Shell, Domino’s pizza, Samsung S3, Asia web direct. Before this, if customer wants to pay bill or loan they have to go to Citibank. But nowadays, they upgrade their system to online banking so that customer can pay instantly and reduce waste time. Q4. Provide an indication of the likely costs and benefits to Citibank case study in adapting a marketing approach. In Citibank, there are many advantages and disadvantages of a marketing approach. Customer Satisfaction In customer satisfaction, it refers to which a product’s perceived performance matches a buyer’s expectation. It is a measure of how products and services supplied by a company meet or surpass customer expectation. We can see based on their services of Citibank do for their customer. In Malaysia, Even the Citibank atm machine is less than the other bank, but their services to customer is good. Citibank will try their best to solve problem of customer credit card so that they will not lose their customer. Customer Care Customer care is a phrase that is used to describe the process of taking care of our customers in a positive manner. The term is used in place of complaint handling due to its positive focus, and is a reminder that customer satisfaction is a priority. Related to Citibank case study, they care about their customer. we can see that Citibank provide customer services so they will know any problem of customer faced. There is a few customer having problem regarding Citibank delay card. As banks are losing their customer fast, they are coming up with different strategies to retain their customers. ‘When/where was the last time you made the transaction with the card?’; I told him I don’t remember anymore since I have a few cards and I have not been using Citibank Card for a while. He insisted me to answer that question before he can proceed, and I insisted I that I don’t remember and suggested him to ask another verification question†. (Kclau, 2010) Quality of services and products. In company, they must have their own quality of services and products. It is designed to constantly improve the quality of their products, services and marketing concept. In Citibank, their main objective at Citibank is to provide reliable and quality services to our customers. Our customer service policy has the overall aim of ensuring that our customers are provided with services which are reliable and best suited to their needs. They have to manage and ensure that quality control standards for services are met. Citibank also have online credit card services so they can login anytime, anywhere to view their account details and activities. DISADVANTAGES OF CITIBANK There is one reason and one reason only that it’s so easy to get a store credit card: they are confident that they will make money off of customer purchase. The interest charged on store cards, as compared to bank credit cards, is at least several percentage points higher and often as much as 10-15% higher. As well, annual fees or sign-up fees may run twice as much as those of standard credit cards. Means that, Citibank charged is higher than the other banks in Malaysia, so that’s why only businessman use Citibank. It involved high cost in retaining the customers. And also, the target market for Citibank is higher because they only target their customer on businessman. CONCLUSION As overall conclusion, Citibank is one of the multinational companies that successful in online based financial institution that operate in Malaysia. Citibank able to understand the culture of local citizen (promo Islamic Banking Services), able to gain their market share by solved the geographical problem (online banking services), able to cost cutting by promo the online banking culture to their customer, and able to compete with the local financial institution. We know that Citibank is really cares about their customer and try their best to satisfy customer needs and wants. Based on this concept of marketing, Citibank now are well known in all around the world. Although it is a foreign company but Citibank is a good model to local financial institution to learn their strategies to increase their competitive capability to compete in the global market.