Sample Essays As Comparative Study Papers

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The Newly Leaked Secret to Possible Notre Dame De Paris Essay Topics Disclosed

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The Basic Facts of Ap World Ccot Essay Topics

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EFFECTS ON SERVICE QUALITY ON LIFE INSURANCE - Free Essay Example

Sample details Pages: 9 Words: 2774 Downloads: 2 Date added: 2017/06/26 Category Economics Essay Type Research paper Did you like this example? Life insurance has a long history in India. The Bombay Mutual Life Insurance Society was the first in business when it started insuring both Indian and non Indian lives for the same amount of premium. It has been recorded that the business of insurance was with overseas companies till the end of the nineteenth century. Don’t waste time! Our writers will create an original "EFFECTS ON SERVICE QUALITY ON LIFE INSURANCE" essay for you Create order Insurance was regulated in the country with the passing of the Life Insurance Companies Act in the year 1912. The comprehensive legislation on insurance was passed in the year 1938 and was called the Insurance Act of 1938. This was necessitated by the occurrence of frauds in insurance and mushrooming of insurance companies. With this, insurance spread in India but was restricted to the major cities. The next big change in life insurance came in 1956 when the government brought over the private life insurance companies and the provident societies under one company called the Life Insurance Corporation (LIC), which enjoyed monopoly for the next four decades. The nationalization of insurance business was also necessitated by the needs of funds for the rapid industrialization envisaged at that time. In 1993, with the view of liberalizing the insurance sector, the government appointed the Malhotra committee to recommend the road map needed for opening up the insurance sector in the cou ntry. This was done to induce the much needed competitiveness in the industry which had become stagnated. The insurance market which was underdeveloped in the country slowly started to open up and increase its cover with the entry of the private players in 1999 when the government opened up the sector. Prior to this, life insurance was seen more as a tax saving instrument than a life insurance, even though LIC had been steadily covering some ground. The pace of coverage extension was found to be awfully inadequate. The private players customized the products and introduced innovations in annuity or pension products. The market is currently growing at a good pace. The life insurance market generated total revenues of $41.36 billion in 2007, thus representing a compound annual growth rate (CAGR) of 11.84% for the period spanning 2000-2007. Life insurance market had a growth of $22.46 billion within a period of 7 years with a growth rate of 118.24%. Estimated life premiums rose from IN R 1,301,540 million ($32.54 billion) in 2005 to INR 1,470,800 million ($36.77 billion) in 2006. It is expected that life premiums in 2011 will be $65.96 billion, a growth larger than they were in 2007. The performance of the market is forecast to accelerate, with an anticipated CAGR of 9.78% for the four-year period 2007-2011 and expected to drive the market to a value of $65.96 billion by the end of 2011. There would be a growth of $24.6 billion i.e., 59.48% in the next 4 years. The penetration of life insurance is around 3% of GDP as of now and this is aimed to be increased to the 8% level. Vast sections of society are yet to be brought into the life insurance market. There are vast rural areas that are yet to learn about the life insurance and even in urban areas, the poor are still out of the purview of the life insurance. New companies are entering into the market and they are needed for penetrating the market further. There is also another dimension to this growth. People also see life insurance as an instrument to invest as the growth in Unit Linked Insurance Plans (ULIP) would establish. The investments in life insurance also cater to the increased savings from the households thus increasing the much needed domestic savings. Statement of the Problem Service quality has been defined as a gap between the customers expectations of a service and the customers perceptions of the service received (Parasuraman et al., 1985). The consumer satisfaction literature views these expectations as predictions about what is likely to happen during an impending transaction, whereas the service quality literature views them as desires or wants expressed by the consumer (Kandampully,2002). To date, there is no universal, parsimonious, or all-encompassing definition or model of service quality (Reeves Bednard, 1994, p. 436). Grà ¶nroos (1984) defines service quality as the outcome of an evaluation process where the consumer compares his expectations with the service he perceived he has received (p. 37). Definitions of quality have included: a) satisfying or delighting the customer or exceeding expectations; b) product of service features that satisfy stated or implied needs; c) conformance to clearly specified requirements; and d) fitness for us e, whereby the product meets the customers needs and is free of deficiencies (Chelladurai Chang, 2000).Life insurance companies strive to improve the quality of their services and the level of customer satisfaction in the belief that this effort will create loyal customers. Loyal customers will purchase the product and recommend it to others (Tian-Cole Cromption, 2003). Sparks and Westgate (2002) suggest that service failure can have devastating effects on an organization because customers frequently switch to a different provider when they experience a service failure. However, among customers who experience service problems, those who receive satisfactory resolution are more likely to remain loyal to the service provider (p. 214).It has been observed that insurance agents should constantly monitor the level of satisfaction among his/her customers to keep themselves close to the customers for fulfilling their needs(Joseph et al.,2003). Ennew et al.(1993) indicated that a comparis on of mean scores on the importance of service attributes provides a very effective method of measuring the ability of services to meet the needs of customers. Perceived service quality has a significant effect on the attitude towards obtaining insurance (Arora and stoner, 1996). Moreover, the degree of success in the implementation of enterprise in the life insurance industry is positively correlated to the management performance of external aspects like providing increased customer satisfaction (Luran et al.,2003).customer satisfaction and salespersons relation orientation significantly influences the future business opportunities and as the salespersons are able to enhance their relationship with the clients, clients are more satisfied and are more willing to trust and thus secures the long term demand for the services (tam and wong,2001). Hellier et al.(2003) found that in insurance purchase brand preference is an intervening factor between customer satisfaction repurchase inten tion and the main factor influencing the brand preference is the perceived value and customer satisfaction. Both the company and agents service quality as well as recommendations of friends are factors that significantly affect decision of purchasing life insurance policies (chow chua and Lim,2000).Stafford et al.(1998) in a study on auto casualty industry proved that reliability is consistently the most important determinant of both perceived service quality and feelings of satisfaction among customers engaged in auto industry claims. No such study has been carried out in the area of life insurance. Given the importance of the life insurance industry in India in terms of increasing market size, growing competition and the share of the total insurance Premium market, this research attempts to identify the service quality dimensions which contribute to the maximum customer satisfaction in the life insurance industry India. Research Objectives Following are the objectives of the research: To examine the Demographic and socio economic environments influence the different dimensions of service quality. To find out the relationship between the dimensions of service quality on Life insurance and its influence on the Policy holder Satisfaction as the mediating factor. To suggest suitable model for service quality on Life insurance. Conceptualized Research Model There are 9 dimensions were framed for this study. Those are; i) Policy,, ii) Procedure and formalities, iii) charges, iv) Premium and payment, v) communication, vi) settlement of claims, vii) care on customers, viii) Policy holder Satisfaction and ix) Customer Loyalty. Here Demographic variables, Policy, Procedure and formalities, charges, Premium and payment, communication, settlement of claims, care on customers, Policy holder Satisfaction are independent variables and Customer Loyalty is the dependent variable. It is studied that how and what extent the independent variables make changes in the dependent variable. The proposed conceptual research model shows the process of research as follows: Fig: 1: Conceptual Model for Studying the Mediating Effects on Service Quality on life insurance Methodology The research was basically a survey on the mediating effects of service quality on Life insurance in Tamilnadu. For this research, the data was collected through personal contacts, the sample frames were the individuals who are investing in life insurance policies. Sampling Method The sampling procedure used for the study was stratified random sampling. The stratification has been done based on the divisional offices in southern Zonal of Tamilnadu and from each divisional office, non-probabilistic convenience and judgmental sampling technique was used. At the initial stage, a pilot study was held at limited scale in order to know the scope and possibilities of the research. On the basis of experiences and findings of such study, the objectives were framed. Structured Questionnaire was used to collect primary data, consists of 58 questions with 7 points scale the response varied from Highly Dissatisfied to Highly Satisfied. 800 samples were collected throughout Tamilnadu by adopting the method of personal interview method. The questionnaire put under pre-testing among 50 sample respondents, and some corrections and modifications were made on the basis of pre-testing. Procedure for Data Analysis The data collected were analyzed for the entire sample. Data analyses were performed with Statistical Package for Social Sciences (SPSS) using techniques that included descriptive statistics, Correlation analysis and AMOS package for Structural Equation Modeling (SEM) testing. Structural Equation Modeling The main study used Structural Equation Modeling (SEM) because of two advantages: (1) estimation of multiple and interrelated dependence relationships, and (2) the ability to represent unobserved concepts in these relationships and account for measurement error in the estimation process (Hair et al., 1998, p. 584). In other words, a series of split but independent multiple regressions were simultaneously estimated by SEM. Therefore, the direct and indirect effects were identified (Tate, 1998). However, a series of separate multiple regressions had to be established based on theory, prior experience and the research objectives to distinguish which independent variables predict each dependent variable (Hair et al., 1998, p. 584). In addition, because SEM considers a measurement error, the reliability of the predictor variable was improved. AMOS 16.0, a computer program for formulating, fitting and testing Structural Equation Models (SEM) to observed data was used for SEM and the data preparation was conducted with SPSS 15.0. Linear Structural Equation Models (SEMs) are widely used in sociology, econometrics, management, biology, and other sciences. A SEM (without free parameters) has two parts: a probability distribution (in the Normal case specified by a set of linear structural equations and a covariance matrix among the error or disturbance terms) and an associated path diagram corresponding to the causal relations among variables specified by the structural equations and the correlations among the error terms. It is often thought that the path diagram is nothing more than a heuristic device for illustrating the assumptions of the model. However, in this research, the researcher will show how path diagrams can be used to solve a number of important problems in Structural Equation Modeling. Structural Equation Models (SEM) with latent variables are more and more often used to analyze relationships among variables in marketing and consumer research (see for in stance Bollen, 1989; Schumacker Lomax, 1996, or Batista-Foguet Coenders, 2000, for an introduction and Bagozzi, 1994 for applications to marketing research). Some reasons for the widespread use of these models are their parsimony (they belong to the family of linear models) their ability to model complex systems (where simultaneous and reciprocal relationships may be present, such as the relationship between quality and satisfaction) and their ability to model relationships among non-observable variables while taking measurement errors into account (which are usually sizeable in questionnaire data and can result in biased estimates if ignored). Hypotheses Development Demographic and socio economic environments influence the different dimensions of service quality. The dimensions of service quality influence the Policy holder Satisfaction as the mediating factor. Dimensions of service quality positively influence the Customer Loyalty towards the Life insurance policy. H1: The service quality dimensions (Policy, Procedure and formalities, charges, Premium and payment, communication, settlement of claims, care on customers) are mediated by Policy holder Satisfaction towards attainment of Customer Loyalty towards the life insurance policies. H2: The service quality dimensions (Policy, Procedure and formalities, charges, Premium and payment, communication, settlement of claims, care on customers) are positively influences the Customer Loyalty towards the life insurance policies. H3: The service quality mediating dimensions (Policy holder Satisfaction) positively influence the Customer Loyalty towards the life insurance policies. H4 : The service quality dimensions are positively correlated with each other. H5: The interaction between dimensions of the service quality and Policy holder Satisfaction will explain more of the variance in overall service quality than the direct influence of dimensions of service quality or Policy holder Satisfaction on their own. Results and Discussion Evaluation of Model Fit According to the usual procedures, the goodness of fit is assessed by checking the statistical and substantive validity of estimates, the convergence of the estimation procedure, the empirical identification of the model, the statistical significance of the parameters, and the goodness of fit to the covariance matrix. Since complex models are inevitably mis specified to a certain extent, the standard ÃÆ' Ãƒ ¢Ã¢â€š ¬Ã‚ ¡2 test of the hypothesis of perfect fit to the population covariance matrix is given less importance than measures of the degree of approximation between the model and the population covariance matrix. The Root Mean Squared Error of Approximation (RMSEA) is selected as such a measure. Values equal to 0.05 or lower are generally considered to be acceptable (Browne Cudeck, 1993). The sampling distribution for the RMSEA can be derived, which makes it possible to compute confidence intervals. These intervals allow researchers to test for close fit and not only for e xact fit, as the ÃÆ' Ãƒ ¢Ã¢â€š ¬Ã‚ ¡2 statistic does. If both extremes of the confidence interval are below 0.05, then the hypothesis of close fit is rejected in favor of the hypothesis of better than close fit. If both extremes of the confidence interval are above 0.05, then the hypothesis of close fit is rejected in favor of the hypothesis of bad fit. Several well-known goodness-of-fit indices were used to evaluate model fit: the chi-square ÃÆ' Ãƒ ¢Ã¢â€š ¬Ã‚ ¡2, the Comparative Fit Index (CFI), the unadjusted Goodness-of-Fit Indices (GFI), the Normal Fit Index (NFI), the Tucker-Lewis Index (TLI), The Root Mean Square Error of Approximation (RMSEA) and the Standardized Root Mean square error Residual (SRMR). FIT Indexes for the INSURQUAL Structural equation model Goodness-of-fit measure Recommended level of GOF measure Final output ÃÆ' Ãƒ ¢Ã¢â€š ¬Ã‚ ¡2 / Degree of Freedom 1 to 2 1.668 RMSEA 0.05 indicates very good fit(Threshold level=0.10) 0.069 PCLOSE P-Value for hypothesis test of RMSEA0.05 0.011 Tucker-Lewis index(TLI) 0 to 1 0.754 Comparative fit Index(CFI) 0 to 1 0.891 Normal fit index (NFI) 0 to 1 0.788 Finally the researcher empirically tested and proved the proposed conceptual model (Fig. 1.2, Page. 40) with structural equation modeling by using SPSS 18 and AMOS 18 packages and various goodness of fit indices. The researcher identify that the Policyholder Satisfaction is the mediating factor for the Life Insurance Loyalty in the study area. Hence Life Insurers would be concentrated on Policyholder Satisfaction to improve the Customer loyalty for the growth of Indian insurance sector. The major findings were; Policyholder satisfaction is the mediating factor for service quality in life insurance. Policyholder satisfaction mediates the cus tomer loyalty towards life insurance policies in Tamilnadu. Procedure and formalities and communication are the most influencing factors to the mediating factor. Charges and settlement of claims are also an influencing factor for quality of service in life insurance service quality. Care on customer also has an influence in the quality of service in life insurance service quality. All the dimensions of insurance service quality have positively influenced the mediating factor for life insurance. Limitations The researcher confines only to the policyholders of LIC of India and excludes other life insurance policyholders. The research is restricted to only in Tamilnadu.The research conducted only in the places of divisional zonal offices in Tamilnadu, which had considerable policy holders in the insurance market. While collecting the data, some of the respondents were hesitant to disclose certain details about the insurance agents. Conclusions and Future area of research It may be concluded that the responsiveness of service quality provides maximum customer satisfaction to the life insurance industry in India. With the increase in overall market size of the industry as well as increasing competition since 2000, different players of the industry should invest to improve the customer relationship and quality of services. Still some actions are needed for developing insurance market. Insurance industry has to go ahed. A lot of opportunities are still waiting. This research will help in developing the market share, Loyalty and further development in insurance sector. The study can be further extended to investigate the causal relationship between service quality, customer satisfaction, loyalty and retention. Such a study would enhance the level of understanding for managers and academicians.

Essay Writing Tips to Be Granted the Opportunity to Enroll in Veterans Court

<h1>Essay Writing Tips to Be Granted the Opportunity to Enroll in Veterans Court</h1><p>It is astounding what number of individuals compose articles and are denied the chance to take an interest in Veteran's Court yet at the same time feel that they merit a state in something that is significant. While it can't be denied that there is something else about this unique court where individuals are managed the chance to impart their perspectives and insights, in truth, there is actually nothing of the sort as a Veteran's Court.</p><p></p><p>As a self evident certainty, there is nothing of the sort as Veteran's Court as it is alluded to in the article you are understanding at this point. The issue here is that the individual who composed the article utilized the term Veteran's Court to allude to something that isn't accessible to any other person. They clearly have no information about how Veterans Court works.</p><p></p><p> ;What is Veterans Court? It is a government court framework that permits qualified previous military assistance people the opportunity to go up against charges against them and to get the essential help.</p><p></p><p>Veterans Court isn't a strategy for veterans to be allowed lawful portrayal. In case you will complete a Veterans Court claim, you will need to employ a certified lawyer and you will need the person in question to speak to you so you can turn into a liberated person from prison or on probation.</p><p></p><p>If you are thinking about documenting a case for Veterans Court, you will require an attorney that has gained notoriety for helping people with an incredibly troublesome circumstance. You ought to likewise have a solid comprehension of the Federal Rules of Civil Procedure and how they apply to the kind of case you are facing.</p><p></p><p>If you don't have a high respect for the Federal Court Sys tem, you won't have the option to get the best legal counselor for your case. This is a critical issue in light of the fact that the charge you wind up paying for such an accomplished lawyer will be a higher than what you paid for the article that you read.</p><p></p><p>To get familiar with the way toward composing an exposition to be managed the chance to try out Veterans Court, visit the site underneath. We will give all of you the subtleties you have to know and guide you through the whole procedure with the goal that you can guarantee that you don't get captured by the administration when documenting your case.</p>

Using Essay Test Samples For Your College Application

<h1>Using Essay Test Samples For Your College Application</h1><p>The last piece of composing a paper for your school application can regularly be the most troublesome. There are various expositions to browse however there are just a not many that can truly have a colossal effect in the general evaluation of your work. With all the various decisions, it tends to be difficult to tell where to begin and how to pick the best paper for your needs.</p><p></p><p>This is the point at which an article test can assist you with choosing which decision of exposition you should utilize. These examples will assist you with picking the correct configuration and key point for your exposition. The decisions are wide extending and it very well may be hard to track down one that is going to meet your requirements. There are numerous approaches to locate the best exposition however not every one of them are helpful.</p><p></p><p>Some scho lars want to utilize article test that gives them more data than the other. If so, they may not be giving you enough data to have the option to compose an exposition all alone. Numerous individuals need to compose their own article, however having somebody do it for them causes it to appear to be a misuse of time.</p><p></p><p>This can likewise be an incredible method to look into expositions you have seen. You may see that a portion of the key focuses are the equivalent and what truly leaps out is that one is a standard blueprint while different utilizations a totally extraordinary configuration. It is imperative to realize where to begin when you are searching for the best format.</p><p></p><p>The key focuses you need to incorporate ought to be featured and it ought to be as simple to peruse as could be expected under the circumstances. You ought to likewise check the article test tests to perceive what kind of exposition you should remember for request to get a passing mark. On the off chance that you don't know or have no clue, how to compose an exposition, an example can be very helpful.</p><p></p><p>Remember that the objective is to get a passing mark in your article and you can't turn out badly with one of these. You don't need to stress over a lot of detail in the event that you are going to pick the standard configurations. You ought to likewise discover what sort of configuration you should make the paper simpler to peruse so it isn't confusing.</p><p></p><p>These tests will likewise be found at various sources, so it will set aside a little effort to find one that suits your requirements. There are loads of them accessible on the web, yet you may need to go somewhat further to locate the ones that will give you the best look and feel. Simply recall that you have to focus on detail with the goal that you have a clean completed product.</p><p>&l t;/p><p>Make sure you don't need to invest an excessive amount of energy doing research so as to locate the best paper test tests for your exposition. You should have the option to get an incredible evaluation on your paper with the goal that you can flaunt the difficult work you put into your secondary school profession. Ensure you pick the best configuration for your exposition by utilizing extraordinary compared to other paper test tests available.</p>

Your Guide to Award Essay Sample For Final Project

Your Guide to Award Essay Sample For Final ProjectAre you in need of a well written and award winning essay for your final project? If so, perhaps an award essay sample can assist you in coming up with something you will be proud to present. Not only do award winning essays capture the hearts of a panel of judges, but they also provide an opportunity for you to showcase your academic achievements and passion for the subject at hand.There are many things that you need to think about when preparing an award. If you have a high GPA, consider how you can best demonstrate this with your essay. Of course, this will vary depending on what type of award you are preparing for, but there are some points that are quite similar in all cases.It is also important to make sure that your essay is accurate. In other words, if you are trying to obtain an award for a scholarship, there are various categories that may be appropriate. Keep in mind that not all writing samples are appropriate for every ca tegory.One of the most important things to keep in mind when choosing an award is that you must get involved in the process from the very beginning. You cannot simply hand in an essay at any point in time. This could result in disqualification.Before you hand in an essay, however, it is advisable to begin your search for an award with a grant proposal. Make sure that your proposal is comprehensive, and includes your contact information and name for future reference.Once you have a grant proposal ready, you will need to take the necessary steps in order to submit your application for funding. One good choice is to use a third party submission service such as Grant Hero. This will ensure that your application is fully reviewed and if approved, the money can be transferred directly into your bank account.For those students who have not yet received awards, they should seek out a reputable academic advisor or school and discuss their needs. An award should be clearly stated in the stude nt's curriculum vitae, so that it is easier to keep track of when the essay sample is due.Awards are one of the most popular types of academic papers. They can help you showcase your academic accomplishments and come off as outstanding. An award essay sample can be the best way to create this presentation.

The One Thing to Do for How Write Persuasive Essay Samples

<h1>The One Thing to Do for How Write Persuasive Essay Samples </h1> <h2> What Everybody Dislikes About How Write Persuasive Essay Samples and Why </h2> <p>A entire parcel of understudies tend to discover composing an enticing article fairly testing because of substance of the exposition and its elements. Enticing paper themes for youngsters. </p> <p>One of the most run of the mill types of composing is exposition composing. You must have the indispensable abilities recorded as a hard copy in the event that you ought to form a phenomenal article. There are heaps of approaches to make an enticing paper. A genuine model paper will guarantee it is practical to break down article structure and layouts alongside composing and reference stylethere are sure things which make a convincing exposition. </p> <p>You may likewise observe paper models. You may be mentioned to create an article persuading your. You may likewise observe blend article. So you're alloted with a powerful paper yet you need no piece of information what it seems like. </p> <p>Quite basically, article composing was named a formal and casual sort of composing. It's constantly discretionary that papers composing shouldn't be cultivated with any appropriate planning. As a matter of fact, a lot of factious papers are in actuality influential papers. What's an influential exposition. </p> <p>In request to back up your contentions you should give your perusers with the powerful proof. Your reasons must be pragmatic and legitimate. It's unscrupulous to bar proof which may not bolster the proposal. The proof you give ought to never spend the kind of speculations. </p> <p>Each section should be confined to the conversation of one general thought. Your end explanation ought to be determined to such an extent that the peruser is totally persuaded about your position. Coarse speech and strong proof are relied upon to cause the perusers to concede to what's being said by the author in the entire paper. </p> <p>If you aren't keen on a point your self, you probably won't can permit it to be fascinating for the perusers to encounter the entirety of your article. Abstain from picking a point just to intrigue the peruser which you know something about it. Through convincing composition, the peruser must be in a situation to observe and adjust a specific perspective and have a procedure. More probable, your peruser may wish to continue perusing your paper to get familiar with your opinion.</p> <h2> How Write Persuasive Essay Samples for Dummies </h2> <p>Every school must have a sex instruction class. Understudies have occupied existences and as often as possible disregard a coming cutoff time. They ought to pick a convincing subject to intrigue the crowd just as their educators. They ought to be shown different procedures on the most proficient method to make a wide scope of thoughts. </p> <p>You can likewise observe influential discourse. For instanc e, suppose in case you're expounding on language history exposition than you will need to fuse the entirety of the data with respect to the history language on earth regardless of a particular area while in explicit language history article, you would visit about history of the language of a particular district. In secondary school, you should settle on the sort of theme you will be in a situation to delve into that is, you should be sure you can run over enough information on the subject. You may endeavor to expound on something that has been troubling you for quite a while or something which makes you cantankerous. </p> <h2>The One Thing to Do for How Write Persuasive Essay Samples </h2> <p>Arguments are a fundamental component throughout everyday life. Composing powerful pieces is extraordinarily ordinary, in actuality. Application paper working with the missouri. Writing to make a rundown out of may fill in varying. </p> <p>An expanding number of expert scholars are enlisting for sites to give their mastery at very low costs. Thousand so new methods for innovativeness have been found alongside the ordinary ways. To have a generally excellent joint effort, understudies should have the option to work all the more viably with differing gatherings of individuals who originate from different societies. More and helpful ways are given by innovation that permits simple correspondence. </p>

Writing a Custom Research Paper

Writing a Custom Research PaperWriting a custom research paper is an important step for students who are looking to get credit for their hard work. After all, how could you be a good student if you do not possess the necessary skills to write well? Research papers give students an opportunity to prove themselves and show that they have written good quality academic papers. You will learn a few techniques that will help you craft your research paper to look amazing.As a teacher, you may not be familiar with writing a custom research paper. In order to craft a quality paper, you will need to know a few tricks. Using these tips, you will be able to put together a masterpiece that will leave your students with a satisfied look on their face.Use a variety of sources when writing a custom research paper. Be sure to take notes about the sources you use so that you can add it to your paper later. Students often prefer using online sources as opposed to printed sources. Find out what types of sources you should use so that you can make sure that they will help to enhance your students' academic success.The first step in preparing a research paper is to make sure that you are using a good format. First, it is important to note that you should write your own outline. Before you actually begin writing your research paper, you should already know the outline of the research project. At this point, it is important to put the foundation in place. This will ensure that your entire research paper flows easily, thus ensuring that you will not have any problems in the future.You should also make sure that your research paper has been organized properly. This is important because students like to read articles and books in order to gain information. They like to read and they like to find their own way through a book. If you find that you do not have time to organize your research properly, consider consulting a professional. Professional editors or even professional copy editors can help you make your research paper look professional.Having organized research papers will make your research paper more impressive. Make sure that you use boldface type and numbers when writing your research paper. This will make the information easier to read. It is also a good idea to include a table of contents at the end of your research paper. While it is nice to have a list of references included in your research paper, there is no reason that your reader should not have a chance to go through your entire research paper.The last tip when writing a custom research paper is to check the grammar. Making sure that your spelling and grammar are correct is very important. Students who are looking to get credit for their hard work will appreciate this fact.Writing a custom research paper is a lot of fun, but it does require some time and effort. Use these tips to ensure that your research paper is both impressive and professional.

Common App Essay Samples - Tips For Students to Successfully Use Them

Common App Essay Samples - Tips For Students to Successfully Use ThemThe Common App is an app that is used by thousands of students and parents across the world. It has a couple of features that are the most important to students. One is that they have to use the application on their mobile phones and it is meant for free so all the options are available.When it comes to doing your application, you may be tempted to use examples from your own experiences or use examples from other people you know who are experts in the field. However, these are great, however, there are some problems with this because they only focus on the skill level of a person.The common App allows the student to select from the thousands of examples. This option is for the novice and novices to take note that the other options only give them a small amount of information. There are many tools that are available in the app that will give the students a detailed report of the results of the application.There are m any Common App essay samples option 7 tips to help students choose the right type of sample and how to utilize the app effectively. One idea is to find the sample that is appropriate for your students. The common App gives them a variety of options so you can decide what works best for you.Another good idea is to make sure you choose a sample that is able to show how the student is using the application. It is important that when the student is using the application that they understand what is going on and why. In order to do this, the sample should also have information for them to study that will help them understand why they are using the application.There are many other tips on how to take advantage of the Common App so make sure you read it carefully. It is important that you are able to understand what you are doing and why it is working for you so that you can set up a proper learning curve and be sure that the students are following the curriculum that you are teaching.Many teachers and parents have been able to make money through the Common App so if you are looking for ways to earn money, this is a great way to start. It's not hard to make money from the Common App and you can begin making money immediately.

Strategic Thinking Planning a guideline for new executives PowerPoint Presentation

Essays on Strategic Thinking Planning a guideline for new executives PowerPoint Presentation Organizational Transformation [Affiliate Introduction Innovation is a very powerful tool that can be used by any organization to steer towards development, ensure business success and establish competitive advantage over rivals. Innovation requires clear understanding of the current dynamics within an organization so that opportunities can be spotted immediately. The integration of innovation within the culture and operations of an organization is important to ensure that the approaches taken are effective and sustainable. In the contemporary business environment there are many guidelines towards innovation. However, it is still upon organizations to customize the guidelines to fit within the goals of the organizations. The paper will analyze some of the innovation initiatives as employed by the CalWorks program in San Francisco with specific emphasis on incentives, training, education, management, sustainability and reward system. Incentives, Training and Education Education and training are key pre-requisites of innovation because they provide the foundation from where innovation can be initiated. The job market in the United States is quite competitive and it is therefore imperative to ensure that the participants within CalWorks program are adequately equipped. One of the eligibility requirements for the program is â€Å"regular school attendance for all school age children† (CalWorks, 2004). Training and education are viewed as aspects that empower the participants with the relevant skills in terms of professional experience and when searching for employments. Therefore, in offering training and educational facilities the program ensures that the experience obtained is in line with the job requirements within the market (Lundvall, 2010, p. 305). Incentives within the program play an important role in showing the government’s commitment providing assistance (Mani, 2002). Furthermore, the incentives such food, shelter, training , counseling ensure that participants have the time and the capacity to pursue employment opportunities and concentrate in building their futures. Role of Leadership Leadership within the program is important in structuring of strategies that continually address the needs of the participants with the aim of empowering them. The leadership ensures that period evaluations are conducted to identify areas that require innovation. Since innovation is a continuous process, the leadership within the organization ensures that it is effectively integrated within other systems of the organization. Different organizations experience varied dynamics and nurture different organizational cultures (Edwards, 2010). Leadership therefore plays the key role in ensuring that the innovative strategies constructed are in harmony with the mission and vision of the organization. Individual Reward System According to (Griffin, 2007, p. 207), the reward system has been identified as one of the three approaches towards the promotion of innovation. Individual reward systems within the program are geared towards identifying the exceptional performance by certain individuals and also as a motivation to all participants. However, the individual reward system has several ethical shortcomings especially in terms of the perception of other participants. The reward system might place undue pressure on some individuals and encourage unhealthy compeititon which might be counterproductive. Participants come from different backgrounds and have different capabilities. Therefore, when the program only rewards certain individuals without considering such aspects some individuals might shy off from making the best of the opportunity. Every participant should be considered individually and enocuraged to make the best of their capacities. The Calworks program in San Francisco is a very innovative program by virtue of its major objectives. The program seeks to empower the participants through education, training and incentives. The management of the program is in constant study of the job market to ensure that the programs offered equip the participants with the experience to competitively tackle the challenges and take advantage of the opportunities within the market. The program also ensures that all participants undergo assessments to identify their areas of strengths and weaknesses. The consideration is important in structuring strategies that will encourage individual innovation from the participants. Through a culture that has been constructed over time the management ensures that a specific emphasis is placed on seeking to empower participants in their areas of talent instead of imposing ideas on the participants. The incentives offered within the program also ensure that the participants are in a good position to think of ways to secure their future instead of just concentrating on their current problems. Despite the various shortcomings exhibited within the program, the program is still innovative. The shortcomings only demonstrate that there is still room for improvement. Sustainability The aspect of transformation should be should be sustainable in the essence that the progresses witnessed should not be negative. Transformation is part of an organization and at one time or another, there will be the need to transform a particular aspect. The realization of the need of an organization to prioritize on various tranformational aspects is accompanied by the observation that transformation always occurs but with varied degrees. Therefore, there is need for such organization to employ various evidence based research approaches to identify the areas of tranformation to ensure that the company capitalizes on the advantages of transformation. Different organizations experience varied dynamics and nurture different organizational cultures (Edwards, 2010). Sustainability therefore depends on the capacity of an organization to study the dynamics and the culture so that the strategies employed with regard to organizational transfromation are effective and efficient. Organizational transformation usually targets a particualr system or systems within an organization depending on the capacity of the organization to handle the tranfromations. Areas within an orgnaization that usually experience tranformation include; human resource, production, managerial, finance, supply and procurement. There might be slight variations depending on the nature of an organization but these outlined factors are in existent in most organizations. In most instances, organizational transformation becomes inevitable as an organization experiences new challenges and identifies various development opportunities. The most important conisderation is that an organization should respond to the dynamics or risk being overwhelmed by the challenges or lag behind in terms of competitiveness. The target system dictates the strategie that will be employed and the evaluation tools and metrics that will be utilized. Although some systems within an organization might overlap each other in terms of the operation and output, it is usually important to identify and define the specific area of focus (Livard, 2004). There must also clearly outlined objectives that guide the whole process to protect the initiative from redundancies. Organization tranformation is an inevitable phenomenon that is particularly promoted by the current dynamic business world. There are various basic considerations that provide guidelines for organizations. The considerations include; the specific system or systems within an organization that are undergoing transformation, the strategies to be employed that will promote continous improvements of organizational transformation and the approaches that will ensure sustainability of the transformation. However, the general realization is that due to differences in organizations, companies should conduct inhouse studies to ensure that the strategies constructed are efficient and effective. References CalWorks. (2004, December 29). Eligibility. Retrieved January 11, 2011, from CalWorks: http://www.ladpss.org/dpss/calworks/eligibility.cfm Edwards, M. (2010). Organizational Transformation for Sustaniability. New York: Routledge. Griffin, R. W. (2007). Fundamentals of Management. New York: Cengage. Hacker, S. (2004). Transformational Leadership: Creating Organizations of Meaning. Milwaukee: Quality Press. Livard, S. (2004). Informational Technology and Organizational Transformation. New York: Routledge. Lundvall, B.-A. (2010). National Systems of Innovation: Toward a Theory of Innovation and Interactive Learning. New York: Anthem Press. Mani, S. (2002). Government Innovation and Technology Policy: An International Comparative Analysis. Tokyo: Edward Elgar. Sistare, H. (2008). Innovations in Human Resource Management: . New Jersey: Sharpe.

Communication in the Uae free essay sample

Communication in the UAE:At the moment there are two major telecommunication companies operating inside the UAE, Etisalat and DU, With Etisalat holding the majority of the market segment DU is slowly catching up in terms of Technology and service providing, DU managed to do what Etisalat did in 35 years in such a short period it got all its servers running and started providing services to the customers they also managed to provide signal poles in an efficient time period it did take time till the population got used to the idea of a new telecommunication company in the country but eventually they accepted it due to the offers provided by DU not like Etisalat charging per minute Du actually charges per second that is very efficient for short call or conversations. Back in the days when Etisalat was around the telecommunication market was monopoly they used to charge any price and customers had to pay due to the lack of a substitute but this all changed when Du entered the market the market changed from a monopoly to oligopoly but this did not effect the prices of Etisalat for as Du has put its prices at a similar level preventing a price war between the two companies. History of communication in the UAE:Emirates Telecommunication Corporation Etisalat was established in the late 70s and more precise in 1976 as a joint-stock company between International Aeradio Limited, a British based Company, and local partners. In 1983 the ownership structure changed and the majority of the company belonged to the United Arab Emirates government giving them a 60% share in the company and the remaining 40% were publicly traded. In the beginning of the 90s( 1991) the UAE central government issued Federal Law No. 1, which gave the corporation the right to provide the telecommunications wired and wireless services in the country and between UAE and other countries. It also gave the firm the right to issue licenses for owning, importing, manufacturing, using or operating telecommunication equipment this also made them more independent from other telecommunication companies . This practically gave Etisalat both regulatory and control powers over their products, which completed the monopoly of the telecom giant in the UAE. In order to safeguard the countrys economic development, the law made provisions for the development of the telecommunication sector in the country. The growth of etisalat: The increase of exchange lines(land lines) from 36,000 in 1976 to more than 737,000 in 1998 was one of the important indicators of Etisalat networks growth and development.From national to international operations: An important milestone was Etisalats commencement of international operations in January 2001, when under the brand name of Ufone it started operating out of Islamabad. Etisalats position in the international market: Today Etisalat stands 140th amo ng the Financial Times Top 500 Corporations in the world in terms of market capitalization, and is ranked by The Middle East magazine as the 6th largest company in the Middle East in terms of capitalization and revenues. The Corporation is the largest contributor outside the oil sector to development programmes of the UAE Federal Government. Etisalat International Investments:Etisalat International Investments is the business unit of Etisalat that operates outside the UAE and manages the corporations stakes in telecommunications carriers in Afghanistan, Benin, Burkina Faso, the Central African Republic, Gabon, India, Indonesia, Iran, the Ivory Coast, Egypt, Niger, Nigeria, Saudi Arabia, Sudan, Tanzania, Togo, Sri Lanka and Pakistan. The International Investments unit also manages Etisalats minor stakes in other telecommunications services providers, such as Sudatel (a mobile, fixed and Internet services provider in Sudan), and Qtel (Qatar-based telecommunications services provider). Mobily Saudi Arabia One of Etisalats first international investments was the bid to become the second mobile services operator in Saudi Arabia. Etihad Etisalat, a consortium led by Etisalat, won the 2G GSM license by offering USD $3. 25 billion. Currently operating under the brand name Mobily, Etihad Etisalat offers Saudi Arabia subscribers conventional and 3. G mobile telephony services, and has floated shares on the Saudi stock market. Etisalat Egypt In July 2006, a consortium led by Etisalat was granted the rights to develop Egypts third mobile network, with a winning bid of 16. 7 billion Egyptian pounds (EUR â‚ ¬2. 29 billion euro). The venture, Etisalat Egypt, competes with existing service providers Vodafone and Mobinil. On September 12, 2006, it was announced that the network would be built by Ericsson of Sweden, and Huawei of China, at a cost of approximately USD $1. 2 billion. In 2007, at the Comms MEA Awards ceremony Etisalat was presented with the ‘Best New Entrant’ award for its Egyptian operations. Award winners were selected by a panel of experts from KPMG, the Arab Advisors Group and Oliver Wyman, Dubai. Canar Sudan Etisalat is one of the founding partner companies of Canar Telecom, a fixed-line telecom services operator. In September 2007 Etisalat has raised its stake in Canar from 37% to 82% at an estimated cost of AED 584. 17 million (USD $159 million). Canar was launched on November 27, 2005. The operator is reported to use NGN and Wireless Local Loop (WLL) technologies for its voice, data, internet and multimedia services. Canar is one of the first operators in Africa to use an NGN network core. Internet services The number of Etisalats Internet subscribers reportedly stands at 1. 02 million.Some of the Internet services for home users that Etisalat offers include: * 3G Mobile Internet access * Broadband Internet services (Al Shamil and eLife) * Prepaid and post-paid dialup Internet access Etisalat also operates iZone, a system of Wi-FI hotspots in central locations, such as shopping malls, restaurants, and sheesha cafes. iZone can be accessed by either purchasing prepaid cards (AED 15/hour, USD $4. 5/hour), or if using an existing account with the operator (AED 3/hour for dial-up account holders, or AED 10/hour for broadband users). Dial-up and ISDN Internet access services are billed by the hour, whereas the domestic and residential cable and DSL connections have a fixed monthly rate depending on speed.Other Internet links, aimed at business users, have traffic utilization plans and relatively high rates when exceeding the allocated bandwidth quota. This has caused bad publicity for Etisalat and is a major source of criticism. About DU: In February 2006 The Emirates Integrated Telecommunications company (EITC) was commercially rebranded to the company now know as DU it was invested 2. 4 billion AED in 2009 and added 1 million active mobile subscribers in 2009, bringing its subscriber list to more than 3. 4 million and until now Du has not provided any information on intentions of going internation. Ownership: It is 40% owned by UAEs Federal government , 20% by Mubadala Development Company( Abu Dhabi), 20% by TECOM Investments(Dubai) and 20% by public shareholders. Services:Du offers fixed and mobile telephony, broadband connectivity and IPTV services to individuals, homes and businesses, and carrier services for businesses. BlackBerry controversy In July 2009, Etisalat pushed an update to BlackBerry devices operating on the telecoms national network, citing performance improvements. However, it was later discovered that the update contained eavesdropping software, developed by the US-based software development company SS8, which specializes in electronic surveillance. It is reported that the software enabled the company to monitor and forward communications on BlackBerry devices to their servers. Research in Motion, BlackBerrys developer, acknowledged that the patch was a form of spyware, and issued a removal patch on July 20.On December 27, 2009, both Etisalat and Du (telco) have been mandated by the UAE telecom regulator to start filtering BlackBerry users web access and block illegal content. Due to concerns with the security and the provisioning of legal interception for Blackberry non-voice services, on 1 Aug 2010, the Telecommunication Regularity Authority of the UAE instructed Etisalat that all Blackberry e-mail, internet and messenger functions must be suspended on 1 Oct 2010. However, an agreement between Blackberrys developer Research In Motion and UA Es telecom regulator has been reached, and the announced BlackBerry services suspension has been canceled.