Setting in the Mayor Of Casterbridge by Thomas Hardy Essay -- Papers

Setting in the Mayor Of Casterbridge by Thomas Hardy The Mayor of Casterbridge is set in Dorchester, according to its geographical location, and many significant events occur in the public houses of the town and its historical earthwork - the Ring. It is easily visible that each of these places has the purpose that Hardy indicates. The Ring is called the Maumbury Ring; it was used locally as an amphitheatre and an execution ground. It is ridges and ditches of earthwork; Hardy describes, 'The amphitheatre was a huge circular enclosure, with a notch at opposite extremities of its diameter north and south', which is referred to abruptly as 'spittoon of Jotuns'. A reference book on Dorchester's Ring says, 'The site of the town gallows, giving huge crowds a good view of hangings from its circular banks.' Another ruthless description of the ambiance around the Ring is 'The sun was resting on the hill like a drop of blood on an eyelid...' Here two important meetings of Henchard took place - with Susan and Lucetta. They end happily; yet they are the onset of tragedies: the ones responsible for further progression of the novel. The description of its rigidity seems like a prediction into the future. Hardy chooses this location for these meetings because they are tentative meetings; so its solemnity is almost as if eerie spirits are watching over them - that's why the fact that it is an amphitheatre and an execution ground. From these meetings, all Henchard's intentions go wrong. Elizabeth-Jane is not his genuine daughter and his letters from Lucetta are not successfully delivered - all resolved to doom, hypercritically. ... ... here.' 'I say - what a good foundation for a skimmity-ride!' This is the only time that this public house is mentioned in the novel, yet it has beckoned forth another turning point of the novel - from this pagan, underworld place by the mistake of Jopp who failed to deliver the love letters unharmed. Hardy has selectively used the available places in Dorchester to his advantage as it can be seen categorized throughout the novel. This obscured device rouses different reactions as he guides through the whole progression. They are all real locations, despite the fact that there is not evidence for the existence of Peter's Finger, and that has also added another tint to the sense of discovery in this novel. He has cleverly used all the places to maximum efficiency regarding their authentic profile in real world.

Mike Rose’s “I Just Wanna Be Average”

Mike Rose†s â€Å"I Just Wanna Be Average† essay sheds light on troubled youth within the public school system. It makes you long for the days of American pride and service. Students placed in â€Å"tracks† to utilize overcrowded and faulty test systems. Identity lost due to poor instruction and lack of motivation. The influx of shattered images brought forth by the â€Å"Report of the French Commission on American Education, 1879† reminds us of a time long ago when education was for every child, not select few. Stoic instructors molding young minds in the quest to advance America as a whole. Civic pride and duty were influencing every aspect of American education. Both essays draw from the influence of education into the societal path into American mainstream society. Each school system is influenced by thoughts of bettering youth, but in much opposite ends of the spectrum. The French commission stated that the youth of America were offered the same curriculum in the hopes to form a united, equal society. America, as seen by the French, was a land of golden opportunities available to every child regardless of social standing. It was the basis for our country to survive. It safeguarded our standing in the world. Mike Rose†s school offered quite the opposite. It was a haven for long standing views on school being selective as to whom actually deserved the education. The only hope of the present school system is a few dedicated professionals. They could see the errors of the future and grasp to what made the system work in the past. Focusing on actual knowledge to better society at the basic level. The present day of education still draws from the past in the aspect that a school is only as good as a system will allow. The emphasis is on education regardless of pre-set notions. Society today wants citizens to play an integral part of their children†s education. Students today bring the hopes and failures of their family into the curriculum that is driven by teachers that are uninspired. This current thought allows the system to overlook the student who yearns to get out of the lower track and excel at the same equal pace as the higher student. The days of being created equal in the school system are long gone. The society that allows children to enter as equals often has them placed in a track before actual classroom time. The French commission saw American educators as the forefathers for society. It is a much different world. Mike Rose†s essay points out specific flaws of uninterested instructors and flawed systems of placement. Thus creating boundaries the average student can never surpass. Students today are far different than those of the French commission. In 1879, America was growing to keep up with the world. Education is the basis for any society to succeed. The thought of education today in America is to succeed for an individual basis. The overwhelming feeling of pride for America has diminished. Educational and family pride still drive America, but the school systems cater to individuals not to society. Students are marked upon entering school as to who will succeed and who will only become menial citizens. There are many classifications. Many factors of race, creed, and financial status influence education. There are no equal grounds for a student to stand on. American pride has gone the way side of personal enrichment. Students now are faced with the feeling of being inadequate upon entering the system. In 1879, everyone wanted to succeed. The only pre-requisite was to achieve an education. In this day and age education barely opens doors for the â€Å"average† person. The emphasis should be based on equal opportunities for every student. In this day and age educators are faced with financial constraints and overcrowding. Constant one-up manship of school systems place these perimeter†s on both educator†s and students. The equal school system of 1879 is no longer valid. Monetary issues factor into everything a school becomes. A quality education is place upon those who have money and not on the unfortunate who do not. Equality is a nice concept, but not one of reality. Instructors are underpaid and under appreciated. Both factors influence the degree of drive that is to be passed onto the students. America in 1879 admired the educator, and some odd 100 years later, scorn the very notion. Dedicated educators in this day and age are few and hard to find. The â€Å"average† educator is a direct result of America†s flawed school system. Both essays draw on the point of American education. Both have distinct classification. Both consider the student a part of society. The problem is that neither of them addresses the actual individual. Individuality is the cornerstone of American society. Cookie cutter molds are what the education systems of both are driven to achieve. The similarity of each essay states that education is something for America. Education should not be for the purpose of individuality, but to keep everyone in the designated place assigned to him or her.

The dividend capture - Free Essay Example

Sample details Pages: 7 Words: 2035 Downloads: 1 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? Dividend Capture is a type of investment strategy for an investor whereby the investor buys the stock let say two weeks before it goes ex-dividend and sell them after two week when it has gone pass the ex-dividend in this transaction, he tries to make a small profit on the trade. On the stocks ex-dividend date, its price will drop by the amount of the dividend. The theory is that the stocks price will work its way back up to the price it was at before the ex-dividend date. Don’t waste time! Our writers will create an original "The dividend capture" essay for you Create order Due to this an investor is able to sell slightly above the purchase price. In this way an investor is able to collect the dividend and realize a small capital gain in four weeks time. It is a method of converting gains into dividends it also has tax advantages and more interest but it does not mean it produces a large, stable, growing income . the key of Dividend capture is to purchase a stock just before the special dividend. If sold 61 days later, the special dividend appears as dividend income and, to a first approximation, but it may lead to a short term capital loss as well if purchases are limited to companies worth owning in the first place, it is not necessary to realize the loss immediately. Rather, the stock can be held until needed for another dividend capture. You would sell only when a more desirable stock becomes available. Due to this a stock tends to move between the two portions as their prospects change. Dividends, whether regular or special, are tied to business conditions not to the stock prices. Stock prices tend to rise and fall together, especially in the short run. A minimal amount of dividend capture is needed to provide a high income stream. The dollar amount of special dividends captured is important. A first approximation, picking up a dividend dollar amount will required to have certain number of share not a dollar amount of share. When shares sold to dividend capture new special dividends go behind the overall market price. The income stream heavily depends on the number of shares purchased not on the price per share. Comparing captured dividend what regular dividends one can say that Regular dividends are not stable because the individual price fluctuations do not back the market perfectly rather income from captured dividends is stable. Dividend capture strategies are becoming more and more popular among the speculators who dont want to be too exposed to the market risk but also wanted to take some money with them without any risk. The main issue is that traders with a short-term mindset who are trying to take advantage of the capture strategy could be exposing themselves to market fluctuations. This strategy could be profitable during bull markets as stock prices in general increase which would help the speculators in unloading their position at a profit; during bear markets when the volatility is very high, the risk of catching a big wave down is much higher. Home Refinancing The term home refinancing means seeking a second or additional home loan to replace an existing loan by mortgaging the same asset, which is usually a home for a place, which can be used as a mortgage. Although it seems that home refinancing is the consumer oriented and beneficiary for the customer, who take such loan but it also has some risk. First of all we will talk about the advantages of home refinancing, this lead to a change in the interest-rate, as the Interstate of home refinancing may be less than the earlier one. Second benefit can be gaining and additional amount of money and winning an extension of period for repayment and, also to have provisions to pay off the other existing debt. It lowers the risk of liquidation of an equity that has accumulated during the ownership of the home etc. Many people are attracted towards home refinancing, just because of the chance of being less monthly installment of repayment. This is done either by changing the loan repayment conditions of the loan to a lower interest rate or by increasing the repayment period of the mortgage loan. The Home Equity can also be used to get more money through a home refinancing to buy a second home, or to pay off debts, to meet the expense of education, to overcome the medical treatment expenses etc. We have already talked about various advantages of home refinancing rates. Its time to talk about some risk in taking such finance. Sometimes you might have took a penalty fees and histories may be higher than the saving you could generate from home refinancing, when someone take different loans they might be Charlie some penalties in such a case you might face some losses and these losses may be much higher than the saving you could generate from home refinancing, it is better not to take such a loan. Sometime getting a new home refinancing loan bring such difficult circumstances which involves higher possible is to than the previous home loan the second home loan may call for unseen this factor which ultimately create mental torments and monetary losses and may bring some situations that became very difficult to handle. There are few points which have to be kept in mind while going for home refinancing. You must know prepayment fees and penalties some time when you want to pay your loan before the period the bank may charge you some fees and penalties just to make up their losses. Refinance Your Home loan for Reduce Interest Rates Only if it makes financial benefits. You must first ensure that there is no error in your financial statements. Checking your credit reports to be sure you can find no errors. If you will find errors, fix them prior to you secure a house refinance mortgage answer. You do not want surprises on your credit report to impact your ability to have the best rate on your house refinance. when a company made payment in cash or in stock to the shareholder of the company, this is called dividend usually dividend is declared by the authorized board of directors, if we are talking about preferred stock, in this case the dividend is paid at a fixed and guaranteed rate. Generally an investor used to calculate dividend yield and payout ratio after analyzing stocks performance in the market. For those investors who are interested in investments which can produce income only, for such investors main concern is dividend. But for those investors who were interested in only in equity growth they gave less importance to dividends. For analyzing a companys dividends it is very important to find out how much income the dividend present, because it is necessary to multiply the number of share by the dividend amount per share. Normally dividends are paid quarterly to find out what income will be paid every three months we have two divides it back for. For example John have a thunderous cheers that pay an annual dividend of $2 per share, the annual income will be 800 times $2 which is $1600 now to get what we will get after three months we have divided by four and we get$400. This is how the dividend is calculated it for three months. Now as we have torn about yield and payout ratio there is understand what yield and payout ratio is. To figure out is yield will just have to divide the dividend amount of per share by the price paid for per share of the Stock. For instance, if this talk was purchased for $ 25 per share and the dividend is $ 2 per share to come up the figure of yield divided dollar 2 by dollar 25 you will get 8%. Dividend yield is useful when comparing the income potential of a stock with the other securities like Bond or CDs. The dividend payout reseau is the ratio of how much profit is paid in the form of dividend in compare of the companys profit.To find out the payout ratio denied the earning per share by the dividend to get on per share, lets say if earning per share are $2/50 and dividend is $0.50, in this case the dividend payout would be 5:1. A high pay out ratio shows that the companies keeping most of its profit, while a low payout ratio shows that the dividend is being paid in good ratio. Sometimes a completion additional share to its stockholders instead of paying cash dividend, such a method of paying share in instead of cash gave a company a position to keep cash to reinvest because stock may appreciate and depends on the market due to the chances of a stock goes to a higher price its a good deal for the investor a company might issue 4% stock dividend for example a shareholder can be given 4 extra stock for every hundred share owned. Now to find out how much the dividend is actually worth, multiply the number of share by the market price of the share. Lets say if the stock is selling for $25 per share, that 4% dividend would be 4% of $25 or $1 per share. How much can I borrow for a mortgage when someone go out for a mortgage he always has some plans regarding how much she need to borrow, and his capacity to repay the mortgage loan because nobody would like to lose their house property to foreclosure, second thing he would consider about the interest rate if the interest rates are low he would consider taking mortgage loan according to his requirement, but if interested are too high then he would probably think to adjust the requirements accordingly. When it comes to lenders or banks before deciding upon the limit of the mortgage loan they will probably look into the financial background of the borrower, about lease capacity to repay the loan on time because bank would not like to lose their money to people recklessly who will not be able to repay the mortgage amount on time therefore they have several ratios before determined how much money they can live to the borrower. Cost of mortgage when someone decides to buy a house, there are several payments is responsible to pay on time like home owners insurance, property tax, real estate tax, when these are all added to the mortgage payment all these costs when added , they usually give the exact cost of the mortgage. And bank N this to your anticipated monthly expenses. Private mortgage insurance Private mortgage insurance is also PMI; sometime borrower is not able to afford 20% of the homes price which usually paid as a down payment in such a case is likely need to purchase a private mortgage insurance in order to protect the banks investment. Front-End ratio the front and so is the comparison between the monthly mortgage cost-which includes insurance, real estate taxes, private monthly insurance with your total income. Usually mortgages costs are allowed to make up between 26% and 29% of your income, for example if you made $3000 a month and your bank allow 28%, in this case your monthly maximum repayment amount would be $840. Back-end ratio when your total income is compared with the your total debt payments this is called back end ratio, such ratio includes credit card debt and college loans, and any other debt you have. It can make a total of up to 33 to 40% of your income. for example, if your bank 35% as the limit, and you have a monthly income of $3000, in this case your total dad played with a month would be $1,050. If we had to pay $400 as a monthly student loan, you would then have a maximum of $650 left in your income which can be used to repay the mortgage loan. Credit score If you have a good credit risk of the bank are likely to increase the limit of the ratio for you because, your financial history of repaying the credit on time, build banks faith in your credibility and they are willing to increase the limit of ratio, So all these characteristics of mortgage helps the borrower and lenders in deciding how much they can borrow or how much the lender can lend money.

Teaching Experience - Free Essay Example

Sample details Pages: 2 Words: 542 Downloads: 3 Date added: 2019/06/24 Category Education Essay Level High school Tags: Philosophy Of Education Essay Did you like this example? Teaching is an honorable profession, which in my opinion, is highly underrated and underappreciated. Through teaching, one can offer so much to others, which is a step toward the betterment of society. My reason for pursuing a degree in the field of Education stems from my desire to make a positive impact on the lives of as many children as I can. Don’t waste time! Our writers will create an original "Teaching Experience" essay for you Create order Teaching is more than a 40-hour per week job and more of a lifestyle. It is important that teachers understand the importance of their role in childrens lives as, well as in the lives of the families of these children. Teachers are responsible for facilitating childrens social, emotional, physical, intellectual and cultural learning and development. Providing children with quality care and education ensures that they are equipped with the tools necessary for a successful future. Every experience in a childrens lives becomes a part of who they become in the future. Early childhood education is essential as it establishes a solid foundation for learning and development in children through exploration, work and play. The physical, social and emotional development of children affects who they become as adults. Therefore, it is essential that care is taken in childrens learning and development from a young age to ensure they become valuable assets of society.The quality of the learning environment plays a pivotal role in teaching and learning. The ideal learning environment is visually and mentally stimulating. More importantly, it is physically and emotionally safe for children to explore, learn and grow. It is comfortable and warm and provides children with different opportunities, catering to different needs and senses. Children benefit immensely from engaging in uninhibited activities, consisting of not only work but also play. This is essential for their phy sical, emotional, social and cognitive development. I am committed to providing children with a cordial environment where they can experience genuine, unbiased love and care and freedom to be themselves. I honor the unique individuality of every child; therefore, I am looking to learn of more holistic approaches to teaching and learning. Consequently, my planning will be thorough and cater to each childs cultural, intellectual, emotional, social and physical needs. To ensure they reach their full potential, I believe children must be encouraged and challenged to discover things for themselves. Keeping children actively engaged in their learning provides a sense of personal responsibility and independence. I will provide them with the opportunity to make their own decisions and learn from them, taking into consideration their safety and that of others. As an educator, it is my role to guide students and be a positive role model for them. My strongest characteristic as an early childhood educator is my passion for teaching and learning and especially, for children. I am continually looking for new ways to improve my teaching skills and incorporate instructional approaches to developing better connections with children. I understand that being a teacher is a lifelong process of growing and learning and it goes way beyond the actual classroom. Children should be allowed to explore and learn without restriction or judgement. I am confident in all childrens ability to learn and be successful and I support their progress throughout their learning journey by continual observation, planning, documentation, evaluation, and reflection.

Morality in The Hunt for Red October Essay - 1184 Words

Morality in The Hunt for Red October nbsp;nbsp;nbsp;nbsp;nbsp;While hundreds, even thousands of excellent movies have been made over the years since motion pictures were invented, there are some movies that stand out among the best. There are various reasons for these standouts, sometimes incredible acting, sometimes impeccable story lines, but in many cases, it is the issues addressed by the movie. Most of the greatest movies contain commentaries or analyses of certain issues, be they moral, social, or otherwise. John McTiernan directed one of these films, The Hunt for Red October, based on the similarly titled best-selling novel by Tom Clancy. The Hunt for Red October, a product of the anti-communist attitudes of the 1980’s, is†¦show more content†¦The officers of Ramius’ crew have also had to make their own moral decisions as they assist Ramius’ defection. They, too, have had to follow the beliefs of right and wrong instead of the morality that has been given to them by their naval super iors. nbsp;nbsp;nbsp;nbsp;nbsp;There is also a moral decision to be made by the KGB agent loyal to the Soviet Union on Ramius’ submarine, the cook’s assistant Loginov. When he discovers that Ramius is intending to defect, he makes the decision to attempt to stop Ramius, even at cost of his own life. The fact that he is against the hero of the movie, Ramius, does not mean that he is evil, although he is seen as such for purposes of the movie. His decision comes from his belief that what Ramius is doing is morally wrong. He believes that defection is treason, and is unacceptable under any circumstances, and he believes that it is his job to prevent this treason. His decision comes from his own moral beliefs, and therefore cannot be labeled as wrong. His beliefs are simply different from Ramius’. nbsp;nbsp;nbsp;nbsp;nbsp;The Russians are not the only characters that must make moral decisions. The other main character of the movie, Jack Ryan, must face his own moral decisions. To begin, he must decide whether to follow the advice of the military council, or to follow his belief that Ramius is trying to defect. His decision will impact Ramius’ decision, since if no one believesShow MoreRelatedMorality in the Hunt for Red October Essay1190 Words   |  5 PagesMorality in The Hunt for Red October While hundreds, even thousands of excellent movies have been made over the years since motion pictures were invented, there are some movies that stand out among the best. There are various reasons for these standouts, sometimes incredible acting, sometimes impeccable story lines, but in many cases, it is the issues addressed by the movie. Most of the greatest movies contain commentaries or analyses of certain issues, be they moral, social, or otherwise.Read MoreAnimal Rights: Comparing the Views of Hasselstrom and Regan Essay1233 Words   |  5 Pagesï » ¿Anna Katherine Giddens Laura Vernon EN 1103-39 24 October 2011 Animal Rights: Comparing the Views of Hasselstrom and Regan Imagine an animal’s feeling of panic and fear as it is about to be killed by a hunter or the isolation experienced as an animal sits in a laboratory, separated from its family and natural habitat, waiting to be harmed by harsh testing methods. Imagine the frightened state of a mother or father watching their innocent baby being captured. After considering the brutalityRead MoreAction Plan For The Tiger3794 Words   |  16 Pagesto their female counterparts. 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Buisness operations Free Essays

string(39) " done quickly and in a timely fashion\." Dealing with banking problems is a hassle for any individual, especially for those who are involved with the business sector. Transactions come and go and money is fast, banks cannot afford to fail. Banks are offering the services of Personal Banking Consultants, specially designed for individuals who do not wish to deal with meager problems such as invalid pin codes or name changes. We will write a custom essay sample on Buisness operations or any similar topic only for you Order Now Though these problems are not serious, they require time to sort out. The use of a PBC come with perks for business people and proves to be a worthy investment. The following case discusses a client’s experience with a PBC. There were inherent problems with the bank company that the PBC was able to assist the clients through. The clients went through numerous problems and delays in changing accounts. Wrong names, invalid pins, existing accounts, and long delays were said to be a common occurrence. The real issue did not come from the PBC, rather from the company itself. The banking company utilizes agency staff, or contracted workers for some of their operations. Though this is beneficial to the financial status of a company because of the easy access to labor and the affordable cost of hiring agency staff, it also has inherent risks and downsides. What were the gaps between customers’ expectations and perceptions in the process described? In the case, the clients were burdened by the changes with their previous bank in the south. Two accounts were being used, one for business and one for personal use, each with different offices and different numbers. The location of the bank was also a problem because of a change of residency of the clients. Due to these factors, the client chose to switch the northern bank. The presence of the Personal Banking Consultant at the northern bank helped persuade the client to switch banks. It is important to note that the process of switching banks involved numerous intricacies, such as the change of cheque books, credit cards, standing orders, and debit instructions. The gap between customer specification and operation specification seems to be a match. The bank offers their services to the clients, along with the bonuses of the package which the client chose. These included preferential interest rates, free annual travel insurance, a reward scheme, a â€Å"golden† credit card, and the services of the PBC. We can assume that the clients have fulfilled the requirements to apply for membership and enjoy the rewards. The gap between quality specification and the actual quality of the service or product is one of the most important gaps in the case. This type of gap, as stated by Reuber and Fisher (2005), shows the marketed specifications of the good or service, what it should provide and the benefits of its use, and compares it to the actual specifications of the good. Cleary, there is a gap between these two in this case. Sue was clearly aware of the problems that plagued the company, yet presented these to the clients as simple â€Å"computer problems†. This is the case of marketing the specifications of the service to be better than the original. She did, however, admit that the problems were caused by the agency staff. The decision to cover the reality of the situation was a risky move by Sue. The clients did not withdraw from the offer and became members, a successful deal for the bank. However, the reputation of the bank has been severely tarnished. The clients were very dissatisfied with the process of transferring, and this has left an initial impression on their mind. Though there have been no problems beyond the transfer process, another mistake on the bank’s part will remind them of the initial problems that they faced. The gap between the actual quality and the communicated image of the service matched. This gap explains the difference between the qualities of service that the customers are expecting against the actual quality (Beckford, J. , 2002, pp. 145-150). The clients already had a bad experience with their previous bank and know that the transfer of accounts is a very tedious process. They acknowledged this difficulty in choosing to transfer, and the bank did not hide this fact from them. However, they were assured that the process would go smoothly, which we know was not the case. How were the customers’ expectations influenced from the outset? The idea of transferring accounts was not initially welcomed by the clients. They had a negative experience with their previous bank, with impersonal call handling because of outsourcing, the lack of access to their assistant bank manager, and the complication of having two accounts under different telephone numbers and offices. Under the circumstances that they face, any better alternative would have been welcome. The clients’ previous experience has affected their perception of consumer expectation. Consumers generally want to have faster service, convenience in both application and usage, flexibility in payment options and other packages, and helpful customer policies. This type of consumer expectation is formed thru the wants of the client. In reality, what consumers want does not necessarily equate to what they expect to receive. This is called the customer expectation paradox. Real consumer expectations are formed thru experience in the marketplace (Lucas, J. , 2006, pp. 137-144). A real life example of the paradox is a visit to a dentist. Customers want to be served quickly and immediately, no waiting lines, timely appointments, and available dentists at hand. However, the expectation of the reality in the office is different. Customers know that they will have to wait in line, that they will not be served immediately, and that the availability of the dentist may be in question. The same can be said for the case, as the clients know from experience that the process of transfer is a very hassling endeavor. The clients want to have no problems regarding the transfer – that no errors are made, that everything is done quickly and in a timely fashion. You read "Buisness operations" in category "Papers" The experience of the clients tells them that this is not the reality, leading them to expect that their wants will not be fully satisfied. The clients did not have high expectations for the replacement bank; they were simply in search for a way to ease the burden of their previous bank. The package that was offered to them was a factor that influenced their decision. The assurance that the process will go smoothly also led to their expectations to be affected. When Sue informed the clients that everything will be handled by the company and that the clients will not experience any hassle, this significantly affected their expectations. What aspects of the bank’s service quality specification have been revealed to the customer? Are these reasonable for such an account? The prime concern of bank customers is to be served conveniently without any errors or problems. Such complications cause consumers to lose loyalty with the bank and eventually lead to them leaving and searching for other service providers. In order to gain consumer trust, which is vital to service oriented businesses such as banks, firms show their focus on quality specification. In the case, the source of one of the problems of the bank is the outsourcing of several operations to agency staff. This was revealed to the clients by their bank consultant at the end of their transfer process. The company alone cannot meet the demands of the customers, thus the use of agency staff to fill the gap. This is a good decision for the bank, as agency staffing provides the company with flexibility because of the ease of hiring new staff and the availability of a wide variant of employees. Agency staffing is also more cost-effective in terms of employment since these employees do not require extensive training and are not a liability to the hiring company (Huffman, L. , 2008. ). The use of agency staffing does have some drawbacks, such as the employees’ lack of loyalty for the company. Since they are often not considered to be part of the main team, temporary employees have little incentive to be loyal. Lastly, cheap agency staffing may be less efficient compared to trained employees. Although errors cannot be avoided in operations, especially with agency staffing, it is not an appropriate reason for the clients to be burdened. Sue has pointed that this has been the reason for the errors in the clients’ transfer process. While the agency staffing may pose as a problem to the clients, it is significantly worsened by the practices of the bank consultants. Sue, as an example, continued to press clients to accept packages and offers even if she is aware of the problems that the staff is experiencing. This action allows the company to meet their quotas; however it has severe repercussions on the clients. It was been visible to the clients that such transactions happen even if the bank cannot sufficiently deliver some of the services involved. This suggests serious problems with the bank’s coordination between departments, and among the clients. It is also clear that the bank suffers from capacity management, that the agency staff are either underperforming or the bank is understaffed. Evaluate Sue’s reaction to the problems at every stage. Was the bank’s service recovery successful? Before the transfer process began, Sue faced the problem of the clients coming from a previous bank where they had a negative experience with. The clients were initially against transferring banks, mainly because of the hassle of having to change card info, cheque books, credit, and others included in their personal and business accounts. Upon sharing this problem with their personal banking consultant, Sue assured the clients that all the details will be processed by the computer in a week. She also stated that with the level of technology that the bank is using, the clients would simply have to fill out a few forms and wait for seven days. She was successful in dealing with the clients’ concerns with the decision of the clients to utilize the bank’s services. The first problem that the clients encountered was the late chequebook. They were told that all the required materials would be delivered in a week; however the last chequebook came in six days late. Though Sue was not informed of this problem, the clients did receive a welcome package from Sue consisting of information regarding the services the bank offers, notification that the accounts are active. The messages were written in a personal manner to improve customer relationship. The welcoming package may possibly be the standard operating procedure of the company; however this act serves as a way to make the clients feel that they are part of the company. Upon receiving the chequebooks, there was an error with the names for both the business and current account cheques of the clients. Sue apologized for the mishap, and informed the clients that new cards will be issued for them, and that PBC cards are given special priority. Sue had also given the clients an alternative, that the former cards could be used since they were linked to the existing accounts. The credit cards arrived a day after, with the names correctly spelled. Sue’s reaction to the clients’ problem was done well and provided in a speedy manner. The errors were fixed quickly and Sue suggested a temporary workaround to the problem. Though the name mishap was solved swiftly, the clients experienced another problem with the personal identification numbers (PIN) of their cards. The said PINs did not arrive with the credit cards, making them inaccessible. When the clients informed Sue of this, Sue relayed that PINs arrive several days after the cards because of security reasons. She also assured the clients that the PINS will arrive along with the cheque guarantee cards. The PLC’s reaction to the clients’ concerns was a standard customer reply. The PLC simply informed the clients that there was no error, and that the process was going as planned. After a week, the clients had received the guarantee cards. However, these had the names misspelled similar to the first batch of cards. The PINs for the other cards have also not yet arrived. Sue was informed of this and was surprised with the delay. According to her, the PINs were sent 5 days ago and suggested that it may have been lost in the post. She confirmed this after a while, informing the clients that the cards have to be reissued for security purposes, and that the new cards will have a new PIN code. Again, Sue suggested the temporary use of the old cards. With the increasing occurrence of errors, Sue had been very apologetic regarding the problems that the clients were facing. The new PINs and cards had arrived 3 days after, the time limit that Sue had set for the revised cards. However, the clients faced another problem with the PINs because they were being rejected. The new PIN codes were for the old cards, and the new cards did not have their codes yet. The whole mess was sorted out after 4 days, and the card company sent a personal letter of apology regarding the problems that the clients faced. A bouquet of flowers had also arrived for the clients. Their PLC, Sue, also called to ensure that there were no more problems. The clients were also given leather holders for their cards and chequebooks. These actions show that the company was trying to please the clients by offering gifts in order to ensure that client satisfaction. It is clear that Sue had done everything in her power to solve the problems of the clients. Sue herself did not suffer from any errors; rather the mistakes took place within the system itself. Sue was successful in appeasing the clients, and no problems occurred after the events, thus restoring customer satisfaction. What costs have been created by these problems, and how do they compare with the underlying costs and root cause of the problem? The main costs that the problem has created have been those to the customer, to the bank, and to Sue. The costs that the clients had incurred came in the form of inconvenience and time. The original agreement was that the clients would have everything ready within a week, however after the delays and errors the clients had fully finished the transfer process after 25 days, 18 days after the original deadline. The psychic costs that the delays caused also affected the client. In addition to that, the clients were embarrassed due to a mishap with their former credit cards and cheques, which would have not occurred if the process of transferring went smoothly. The bank had also suffered losses due to the errors. The cost of the reproduction and reissuing the cards and chequebooks and the cost of delivery of these products are taken by the company. The numerous errors have also caused customer satisfaction to decrease. This is a cost to the company because the clients’ experiences with their bank show the quality of service that is provided. If there are complaints that stem from errors and delays, the bank’s reputation is negatively affected. The root cause of the problems comes from the system management of the bank’s operations. The hiring of agency staff shows that the bank cannot support the services demanded by the operations alone. The performance errors of the agency staff suggest that the bank is understaffed, or the hired staff is underperforming. There is also a lack of communication between the departments within the company. Customer revisions are not communicated efficiently to the card issuing company, thus causing errors in PIN codes and credit cards. Lastly, the company suffers from poor target setting. The bank aims to meet the demands of clients within a specified timeframe, yet their operating staff cannot meet these deadlines. CONCLUSION The bank suffers from multiple mistakes in their system organization and management. If left unsolved, they will be operating at a sub-optimal level and experience multiple losses. Clients will choose to use the services of other banks. The costs that the errors and delays bring upon the company hamper growth and decrease revenue. The changes required to solve the management problems of the company are costly and hard to achieve. The short-term recovery procedures used are also costly and prove to be an inconvenience for both the clients and the bank. These can only alleviate the problems, but not completely solve them. The main issue that has to be settled is the long-term plans of the bank to solve their problems. In the end, we cannot always just call Sue. REFERENCES Beckford, J. (2002) Quality. 2nd ed. London, Routledge. pp. 145-150. Huffman, L. (2008) The Pros and Cons of Using an Employment Agency for Temporary Staff. [Internet], OfficeArrow LLC. August 26. Available from: http://www. officearrow. com/home/articles/the_officearrow_career_center/human_resources_and_job_search/p2_articleid/523/p142_id/523/p142_dis/2 [Accessed May 2009]. Lucas, J. (2006) Broaden the Vision and Narrow the Focus: Managing in a World of Paradox. Westport CT, Praeger. pp. 137-144 Reuber, A. R. Fischer E. (2005) The Company You Keep: How Young Firms in Different Competitive Contexts Signal Reputation through Their Customers. Entrepreneurship: Theory and Practice, Vol. 29, p. 1. How to cite Buisness operations, Papers

Cyber Bullying Essay Example For Students

Cyber Bullying Essay Cyber bullying is the bullying or harassing of a person or group of people using some form of technology. Louise Cobb (2010) suggests that; Cyber bullying can lead to serious emotional consequences, including depression, low self-esteem, anxiety disorders and suicide. From this information, the Year 11 Health Education students decided to implement an action plan to minimise the prevalence of Cyber bullying and increase awareness among the Year 9 students at Meridan. The action plan allowed the Health Education students to develop three main hypotheses as to why Year 9 Meridan students’ cyber bully. Year 9 students at Meridan cyber bully because they think cyber bullying is anonymous and is therefore a low risk of getting caught; to increase their popularity; and to follow their peers. General consensus on wikianswers suggests that Socio-cultural factors are the larger scale forces within cultures and societies that affect the thoughts, feelings and behaviours of individuals. The need to strengthen community action against cyber bullying and create a supportive environment fig. 8.1 within Meridan State College is imperative. Meridan State College does not have a set cyber bullying policy. Therefore the Year 11 Health Education class designed and incorporated an action plan to minimise cyber bullying. In order to gauge how effective the Year 11 Health Education class action plan was, a survey of 30 questions was designed to ask Year 9 students about various cyber bullying aspects, once the initial survey and action plan was finished, the survey was distributed to the Year 9 cohort again. Originally when asked whether students would block a bully after being harassed online 63% of students said they would, after the action pla. .ccessed 15 March 2011, . Cyber Bullying: Statistics and Tips 2009, I-SAFE Inc., accessed 23 March 2011, . Quotes about bullying 2011, Good reads Inc. , accessed 23 March 2011, http://www.goodreads.com/quotes/show_tag?name=bullying>. Cobbs, L 2007, How is Cyber Bullying affecting your kids, Dream Online, accessed 20 March 2011, html>. What Socio-cultural Factors are effecting Health? 2011, WikiAnswers, accessed 10 March 2011, . Social Justice Principles, Ottawa Charter, Social View of Health 2011, , Meridan State College.