Customer perceived benefits of Barclays bank

Customer comprehend benefits of Barclays relyCustomer perceived range, shtup be regarded as the opinion that a guest has or has formed of a particular crossroad and how it is of value to him. Now value can pick up many different meanings to it, for example the price of the intersection point in the grocery, its quality etc. The value also numbers on the ability of the product to satisfy the needs of the customer.Simply put, the customer perceived value of any product is the consumers overall assessment of the utility or use of a product based on perceptions of what the customer receives and what he is giving to get the desired expediency or product.This concept can also be explained with the help of the following diagramCustomer perceived value= comprehend Benefits_______________Perceived SacrificeWhere,Perceived benefits argon the attributes of the service being received and the customer perceived quality and price of the product.Perceived sacrifice are the customer be involved in purchasing, such as time, travel etc.Introduction to the organisationFor the purpose of this assignment, the troupe that has been selected is BARCLAYS PLC the following text would give a brief company visibility followed by the identification of the customer perceived value for the organisation by the use of the Customer nurture Hierarchy Model.Company profileBarclays is one of the worlds lead-in financial refuges headquartered at 1 Churchill Place, London. It is a 300 year old corporation that became a major financial operate provider engaged in sell and commercial banking, wealth steering, credit cards, investment banking and executement operate provider for big world(prenominal) paleness firms. It has an extensive international front man in Europe, Africa, Asia and off lately has started to expand in the United States commercialize as well. It operates in more than 50 countries and employs more than 145,000 people ecumenic. It moves, lends, protects and invests bullion for than 38 meg customers and clients worldwide.Barclays has two business clusters Global Retail Banking and Corporate and Investment Banking and Wealth Management- both compromising world-class business and specks.There are two an early(a)(prenominal) major areas where Barclays operates its business one being the Group Centre and Absa, the Group Centre being their head office and support functions operation. The Absa Group is one of s tabuhmost Africas largest financial services businesses.Before we take a look at the customer perceived value of the Barclays brand, the project would like to discuss the Customer Value Hierarchy Model, and then try to apply them to the customers of Barclays.Customer Value Hierarchy ModelOBJECTIVE LAYERCustomers goal and purposeCONSEQUENCE LAYER desired consequences in use situationATTRIBUTE LAYERDesired products/services attribute and performancesThe Customer Value Model consists of three layers, namely the Attribute layer, the bit Layer and the Objectives layer. The objective layer includes the ultimate motivations of customers, the consequence layer represents the customer experience desired by the person and finally the attribute layer specifies what real are the needs of the customer.From the bottom of the customer value hierarchy, customers would always premierely consider the attributes and availability of products.At the second layer, customers begin to make expectations according to the attributes.At the top layer, customers form expectations about the realization of their aim.How do Barclays customers perceive their bank? Thats the question that this assignment would like to answer by giving the objectives, consequences and attributes desired by the customers, followed by a customer review.OBJECTIVESEasy personal bankingSafety of the scotch at all timesSaving account optionsAvailability of loans at a good interest rateOnline banking to keep a record of their account details at all timeAbility t o investGood mortgage optionsInsurance optionsCredit card facilitiesAssistance while travellingCONSEQUENCESEasy accessibility to the accountPeace of mind as the customer is aware that the account details are secure and safety deviceMore control over their avouch paysThe customer does not require to keep much property with them at all times because of the debit entry cardsSaving for the rainy mean solar dayA secure and safe environmentFuture is taken armorial bearing offCan start a business with the help of financial bankingMore purchasing powerATTRIBUTESPin- sentry deviceDebit cardOnline banking facilities which enable the customers to check account balances, make transfers, setup standing orders and direct debits.ChequebooksBarclaycardISAsBondsHome policyDifferent qualitys of savings accountsDifferent types of current accountsOverdraft facilityE-savingsCar insuranceTravel servicesLooking at the supra attributes, consequences and objectives list one can identify the value of the brand as perceived by the customer. The brand Barclays is a very widely recognized name and almost every person in the UK is a big fan, of course with some exceptions which are terpsichore to be there, the customers on a general note feel very happy with the huge array of services and products made available by the bank for its customers and are satisfied with the huge mesh topology of customer service centres spread all across the world providing 24/7 customer service, also the safe and secure online banking facility provided by Barclays is very user friendly and easy to use, letting the customers always keep a track of their cash. So its safe to arrange that Barclays as a bank not still just for people but also for small businesses and big equity firms is a financial institution of repute and is trusted and respected by the people. Just to give a basic idea about how really people feel about the products and services offered by Barclays this project would like to includ e a customer review, which is as followBarclay has never let me down. I subsequently withdraw and deposit money with ease and have it connected to PayPal.It is extremely easy to use, I have had no login issues and their customer service cleared everything up to me.My favourite part is that impertinent most banking companies you dont have to pay monthly fees. This really pleased me.PART 2Critically evaluate the breathing value suggestion of the product/ segmentation/ company you have chosen. Compare and contrast the value pro commit with that of the leading competitor in your sector.This part of the project would evaluate the value proposition or the customer value proposition of Barclays and contrast it with the customer value proposition of HSBC. But before we proceed to comparing and contrasting the value propositions of both the brands we first need to interpret, what a customer value proposition really is? This is the question this project would answer first and then proceed on to discuss the variations in the value propositions of both the brands.Customer Value PropositionIn the subject of marketing, the customer value proposition consists of the sum total of benefits which a provider offers or promises a latent consumer which he leave receive in return for the customers associated payment (or any other value transfer). A customer value proposition is a business or marketing statement that would describe why a customer should make use of the services and products being offered by the organisation. It is targeted towards potential consumers, rather than at other constituent groups such as suppliers, employees or partners.It can also be looked from a viewpoint of a clearly defined statement, which is designed to convince the customers that this one particular product or service will add more value or better solve a problem than the other competitors in the same industry.Why are customer value propositions so important? This question is of utmost impo rtance to any business, because it is only these statements that give the customer an expectation of a desired service, it provides the consumers with a convincing reason to grease ones palms the desired good and also helps differentiate the product from the other services provided by the other competitors in the same industry. They help in gaining customers attention and if the customer value proposition is strong, and is able to gain the approval of the customer then it helps in building faster and more profitable sales and in increasing the market share of the organisation. Understanding of the customer needs is very vital as this would ensure the promotion and creation of a successful brand.The word brand, is the perception of a service or product that is designed to stick around in the minds of the targeted consumers. It is a very important and a cumbersome task to build a strong and positive brand in the minds of your customers, but the firms which are able to accomplish thi s task are the ones which rise to the top.Types of Customer Value PropositionsAll benefitsThis is a list compilation of all the benefits of the products and services offered to the customers by the organisation. This enumerate up requires the least market know takege about customers and competitors and thus does not provide a good base when seen from a marketing perspective.Favourable Points of DifferenceThis type of value proposition explicitly recognizes the fact that the customer has different alternatives and it then focuses on how to differentiate one product or service from another. A product or service may have several points of difference, confusing the customer and thus complicating the customers spirit of the product which would offer him more value. Without a comprehensive understanding of the customers requirements and preferences, the suppliers might stress points of difference that relatively deliver little value to the targeted consumers.Resonating FocusThis approa ch is used by managers who direct deal with a supplier who beneficialy grasps the critical issue in the product- consumer cycle and who can deliver a customer value proposition thats simple yet power beaty captivating. The value proposition offered is superior in the few attributes that are of the most importance to the customers which convey a message to the targeted audience, that here is an organisation which is communicating a sophisticated understanding of the customers business priorities.When talking about the value proposition of a financial institution we have to take into account the current market conditions and then arrive at the nifty and funding strategy of the bank which in itself is a sort of value proposition available for the customers to have a look at and, then these consumers can decide for themselves whether they do need to associate themselves with the financial institution.Analysis of value proposition of BarclaysCapital StrategyBarclays capital management activities will attempt to maximise shareholders value by optimising the level and mix of its capital resources.Barclays ability to operate as a bank is directly dependent upon the maintenance of suitable capital resources.Barclays works according to a centralised capital management model considering regulatory and economic capital.The Groups capital management objectives are toMaintaining the sufficient capital required to meet minimum regulatory capital requirements set by the UK FSA.Maintaining sufficient capital resources which can support the Barclays danger appetite and fulfil the economic capital requirements.Support the banks credit ratingEnsure that the locally regulated subsidiaries can meet their minimum capital requirements without having to buy up from other financial firms.Allocation of capital to support the strategic objectives set by Barclays, including optimum returns on economic and regulatory capital.Funding strategyBarclays will manage the funding position t o comply with the regulatory requirements prescribed by the UK FSA .Barclays operates on a centralised governance and control process that covers all of its runniness risk and management activities.Funding StructureGlobal Retail and Commercial Banking, Barclays Wealth and Head Office Functions are to be self-funded through customer deposits and Barclays equity and other long- destination capital. The Barclays Capital and Absa businesses will be funded through the wholesale secured and unsecured funding markets.Major currency payment flows and payment ashes validating are going to be monitored and managed, so it can be ensure that at all times there is sufficient collateral to make payments. mean solar day to day fundingDay to day funding will be managed through limits on wholesale and secured borrowings. This will ensure that on any day and over any period there is only a limited amount of refinancing requirement.In addition to cash flow management, Barclays would also monitor th e term mismatches between assets and liabilities, as well as the level and type of undrawn lending commitments, the usage of overdraft facilities and the impact of contingent liabilities such as standby earn of credit and guarantees.Additional value propositions specific to a persona customer and not the global marketPersonal banking made easy by the debit card that is an internationally valid card which has many advantages like international assistance anytime anywhere, guaranteed transactions etc.Wide range of current accounts available to eccentric different customer needs.(mobile phone insurance, car breakdown cover etc.)Availability of loans at competitive ratesOnline facilities giving easy accessibility to customer funds.24/7 customer serviceWide array of savings and investment optionsCredit card facilitiesInsurance facilities(home, motor and life insurance)Mortgage facilities(buying, building and renovating of property)To understand the customer value proposition of Barclay s and then to contrast it with the value proposition of HSBC, this project is going to use the SWOT analysis which is preceded by the mission statements and the spate statements of both Barclays and HSBC, thus giving us a better idea of what the customer expects from the brand and what are the promises being made by these institutions to potential and existing consumers.Mission StatementThis is a short, formal, written statement of the purpose of the company. It guides the actions of the company, benchmarks its goals, provides a sense of direction and guides in decision making. It provides a framework within which the strategies of the company are formulated. heap StatementThis can be defined as statement that captures the long term picture of what the organisation wants to become. It gives a broad and an aspirational token of the future that an organisation wants to achieve. It is often inspirational and memorable.Mission Statement of BarclaysTo develop deliver the most innovati ve products, manage customer experience, deliver quality services that contributes to brand strength, establishes a competitive advantage and enhances profitability, thus providing value to the stakeholders of the bank.Vision Statement of BarclaysWe have a clear view of where growth will come from over the coming years. While there will be significant growth opportunities in the UK, we see many more internationally. Barclays will become a leading global universal bank.Mission Statement of HSBCWe aspire to be one of the worlds great specialist banking groups, driven by commitment to our core philosophies and values.Vision Statement of HSBCWe envision enabling HSBC to achieve its strategic objectives, driving excellence in our delivery through partnership with our customers and associates.SWOT Analysis of BarclaysStrengthsExtensive network in Europe providing business sustenance.Focus on cost efficiencies which ensure relatively higher profitability.Ability to lend amidst reduced size of the balance sheet.Associated with innovation, brought out the first credit card in 1966, most recently the OnePulse card combining Oyster, credit cashless functions for its customers.Opening of several forward-looking branches, along with a big refurbishment programme.WeaknessesStrained trading income impacting the revenue diversity.Barclays Capital credit market exposures are impacting the financial position and performance.Large bonuses for the Directors have attracted unwanted attention.Expansion plans in the Asian market thwarted, when Barclays were outbid for ABN Amro in 2006.OpportunitiesBarclayswas keen to acquire some of Lehmans assets prior to its collapse but however, after the collapse, they have been able to negotiate a better deal with liquidators which also allowed them to be very selective in which parts of the business they actually wanted to acquire.The banks strategy to offer a full portfolio of services worldwide, provides a wide range of cross-selling oppor tunities.Asia continues to be an opportunity for expansion, and operations are being set up in a number of locations. benefit provision has decreased in many countries because of the cost to governments, andBarclayssees self-provision as an increasing trend that it can utilise.The court recently found thatBarclaysbanking charges, which had been challenged legally, were enforceable, thus repayment is not necessary and charges can continue to be enforced.Positive outlook for buy to let market may bring business volumes.Buoyant secured personal loans market in the UK could help the business.ThreatsBleak outlook for the UK economy.Regulatory fines can compress margins and financial position.Increase in online fraud.Barclayshas been accused of loss-making investments associated with the sub-prime market from its accounts to those of other investors, and there is a risk it may be sued.While offering a wide range of services provides opportunities, there is also the threat that customers m ay prefer to go to suppliers who present a more specialised approach.Barclaysacquired a reputation for closing branches because of a high incidence of this in 2000, and competitors have been able to position themselves as more consumer-friendly through a strategy of keeping branches open.The Asia expansion is seen as risky given thatBarclaysare in a less strong position than banking industry leaders regarding capitalisation, and this may detract investors.SWOT Analysis of HSBCStrengthsThe bank is well capitalised thus enabling it to perform relatively well against other banks in the recent economic conditions.Going forward, the bank is unlikely to borrow from the UK government because of the huge market capitalization this enables it to retain more autonomy.HSBC has a strong presence in emerging markets, placing it in a good position to take advantage of future growth in those economies.HSBCs global presence in Europe, Asia and sulphur America spreads the risk and offers significan t economies of scale.Rebranding relatively recently (1999), the HSBC bank has become well-established and is considered of great value within the industry circles.WeaknessesHSBC strongly believes in investing in the small business sector, but the current economic situation has led to increased risks, which could potentially compromise the activity levels in the area of its operation.HSBCs involvement with sub-prime markets in the US has forced it to write off large figures lent to high-risk borrowers.Despite cuts in the UK interest rate, HSBC has been increasing its mortgage rates. This can be perceived negatively by the borrowers and potential borrowers, which may add pressure to an already depressed housing market and can ultimately lead to more defaulting as borrowers would struggle with higher repayments.A redundancy programme which was announced recently can affect morale among staff, leading to decreased productivity and loyalty.HSBCs branding emphasises its global presence, a nd this can be seen as negatively by some consumers in its implication of homogenisation and lack of personalisation.OpportunitiesHSBCs high levels of market capitalisation place the bank, in a strong position which helps it to acquire assets.Banks which find the trading conditions particularly difficult at present could be available at low costs.HSBC has adequate capital which it can use to purchase stronger banks such as Bank Ekonomi in Indonesia, in which it has purchased a stake to continue its Asian expansion despite challenging economic times.HSBCs strong position presents the opportunity to outperform other banking competitors during the economic downturn which allows it to build a reputation of being one of the safer banks for depositors which in turn helps to increase resources for lending.Negative press coverage of competitors such as HBOS can encourage customers to choose HSBC instead.ThreatsDecreased trust in the financial system overall, including HSBC due to financial losses suffered by investors may be a reason for them to invest elsewhere.Financial losses which has affected the banking industry and investors on a global scale has firmness of purposeed in less credit being available for customers. In the UK this coupled with increases in living cost has resulted in less money being saved.The slump property market has led to a rise in numbers of homeowners with negative equity. If a property is worth less than what it was borrowed to finance its purchase, there is less likelihood that the bank will recoup all its losses if owners default.Claims have been made against HSBC, about the bank understating losses resulting from US sub-prime markets, and this has led to undermining confidence in the bank by the customers.CONCLUSIONBarclays is currently taking a buttoned-down approach due to the recession. However, the downturn has provided the bank with many opportunities for consolidation. Also, with the BRIC and tocopherol Asian markets rebounding fast this region looks to be a source of potential revenues and provides opportunities for increasing operations. With the United Kingdom and the Americas looking at a slow and protract phase of recovery, Barclays will need to adopt a policy of looking east when it comes to operations.The threats and problems that Barclays may face in the future will be the bear on economic situation being experienced in the United Kingdom, Europe and America which will lead to uncertainty within the retail consumer market and could result in shortage of availability of credit. This in turn makes it even more important for the Barclays to drive its overall corporate profitability and margin by quest to offset the shortfalls in the UK domestic market with advances in emerging markets. All companies, like Barclays, are being forced to re-examine in particular the retail aspects of their operations seeking to remain competitive on the high street and also making cuts wherever necessary. In this cur rent financial climate, banks are defiant to finance each other and with the UK market on the verge of a projected severe recession, all of the retailing factors will influence Barclays competitiveness and it would depend largely on how the Bank of England and the Treasury seek to regenerate and reinforce the flagging confidence of the stock markets.HSBC will concentrate on the strategic and prioritized areas of its worldwide operation with the further emphasis on HR management strategies and technologically-advanced applications within the group to keep a firm lead in the financial markets. HSBCs conservative approach to banking, staying focused on keeping its capital base strong and liquid balance sheet have prevented its failure. Executing the HSBCs strategy entails improving intra-group linkages by joining up the businesses and functions to more effectively create additional value. The HSBC brand and global networks are going to be leveraged to reach new customers and offer mor e services to the existing ones. Efficiency will be enhanced by taking the full advantage of local, regional and global economies. Appropriate objectives and incentives will be adopted to encourage the employees to be fully engaged in delivering the strategy.PART 3In light of your analysis of your existing value proposition and what you have learnt in this module produce,a new value proposition that will match the value criteria of your customers, anda plan to implement the value proposition externally and congenitallyhttp//openlearn.open.ac.uk/pix/spacer.gifTo create a new value proposition that would be acceptable to the customers of Barclays, all the weaknesses that the current business structure has would have to be removed and a new and better business plan would have to be drafted by identifying the opportunities and removing the weaknesses.A New Value PropositionThe trading income should be relaxed so that it does not impact the revenue diversity.Capital bonuses should be d istributed in accordance with the FSA and the bad practice of the directors receiving huge bonuses should be curtailed.Barclays should provide the consumers with a full portfolio of services worldwide, rather than just concentrating in the UK, this move could enable cross-selling opportunities.Barclays should look towards expanding in the worlds booming economies like India, China, Indonesia etc. so that these economies could provide Barclays with the market opportunities it is looking for, thus increasing the market capitalization. This project would propose that Barclays should have an aggressive expansion policy in the Asian market.Barclays needs to invest in buy to let market, which would in turn bring business volumes.Due to the economic crisis in the markets, Barclays needs to cut down its interest rates and mortgage rates, so as to become a peoples bank and thus raising the brand image.PLAN IMPLEMENTATIONTo implement the new value proposition described above the project, will identify the key relationship-marketing issue, followed by refocusing of marketing effort moving activities away from a marketing mix that creates a series of one-off transactions, to manage a complex network of relationships involved with the production of the whole consumer offering.Tmerchandising audit will be carried out so as to map out a plan that will be of most advantage to the customers and will be conducted in stages, namely at the beginning, the middle and at the end.Marketing analysis in terms of the strengths, weakness, threats and opportunities.A review must be undertaken to understand the new value propositions outlined above in the light of internal marketing.A new strategy development process concentrating on differentiation, cost leadership and adequate response systems would have to be created.Action programmes would have to be designed by managers so as to determine the most appropriate course to take in tackling the weakness of the organisation, with a determi nation of the likely costs which would be incurred.The implementation plan would have to be monitored and controlled by keeping a track of staff performance, evaluation and appraisal schemes.To ensure effective, appropriate and accurate results, basis for market segmentation would have to be identified, based on extensive market research.Marketing orientation is going to be very important, the new value propositions must be made clear to all the employees and clearly defined individual goals should be set down to enable the employees to see their own contribution in achieving the organisations objectives.Externally implementing the plan is going to be very important, and can be done by the use of media, electronic, print and sponsorships.The new value propositions can be made available in the form of television advertisements, available for all the people to see.The Barclays website can act as a sizeable medium on which the new value propositions can be put up and made available. It should be designed in an effective and detailed port so that the customers are aware about all the new services available to them.Print media is another powerful form by which the new policies can be made available for the masses.Barclays is a big sponsor for many big international events and meets and can use that as an active platform to spring up the consumers about the new change in the policy structure.

Personal Skill Audit And Self Assessment

in the flesh(predicate) Skill Audit And Self AssessmentA personal scientific disciplines audit is a genuinely favorable way for an individual to identify his/her strengths and needs to develop in a healthy atmosphere. It has been proven truly useful for people to exert themselves on the go track mainly ambitious managers and entrepreneurs. The personal skills audit depends on the compass of business you are pastureing in too and varies with the unlike areas and environments.Here we leave behind realize the whole idea from the prospective of an individual that how one can evaluate himself in the light of some of major personal attri merelyes and skills required for a better and bright rush.The whole personal skills area can be distributed in few sections under which come few doubtfulnesss identifying the presence of that particular skill in your personality through the responses you give against those questions.I stick divided the audit in 5-6 such sections naming Ability and eagerness to learn newfound things, Information seeing skills, Reading and note making, Communication skills , General business skills, management skills , leadership skills etc. now under these sections are the questions against which an individuals response is save these responses may be in terms of ratings one gives to a particular attribute that is how important a particular skill is or it can be the other way which I have adopted.Few sections and questions that I have used for my personal skills audit give be presented here to give the take on idea of the whole scenario. The responses are divided in four categories Can do this, need more practice to do this, cant do this, precession of the skill. (How to change careers a personal skills audit)Learning and organization-I plan my strategies to manage my timeI am able to work under deadlinesI am able to prioritize my tasks and continue tuitionCommunication skills I am good with expressing my views verballyI am confident and have a very little stage fearI am ready to listen views of others and appreciate itManagement and leadership skills-I am good with managing my re stems and bring the trounce out of themI work well as a part or member of the team as well as the leader of the teamI am good with convincing people and get my work doneI am good at addressing and motivating my team matchStress management-I know what the causes of stress areI know my extent of handling the stressI can use my strategies to handle every kind of mental stressThese questions go out be answered in the responses can do, need practice to do and cant do along with this they pass on be given a priority number according to the importance of an individual skill in ones personality.Personal Development PlanNext part is analyzing the Personal development planning which will directly be linked with the personal traits we have discussed above as on the arse of our responses given against each of the question under each section we can figure out our strong and weak points and know what we are really good at and what not which will help us to bring our best qualities out and strengthen them also there might be some attributes of our personality which may be confidential and might come out after this analysis and can be used later on for some good. (How to change careers a personal skills audit) downstairs personal development planning our first question is-Am I able to identify my personal goals?As we know without a goal a person is nothing but a rolling stone which goes in any direction he is kicked but that only because he cannot think nigh this we human beings have this ability to embed and figure out personal goals for ourselves and make efforts to achieve them. Every individual might have a different goal some of us want to be big business men and some want to be social workers for me it is a combination of both(prenominal) I want to be an entrepreneur who can bring technology to masses and give them its advantage.Am I being able to judge my strengths and area of development?The idea behind the personal skills assessment was bringing out strong and weak points of an individuals personality and finds the scope of improvement in the weak points if any. So its very important to know your strengths and use them in a constructive manner.Am I being able to spot opportunities of learning and growth of my career?This is one very important point for every ambitious individual who is looking to grow the field of his expertise. Spotting out opportunities which can give you relegate to enhance your learning and scope to grow your career is of utmost importance in any working environment and should incessantly be kept in mind.Now these questions are needed to be asked in a regular interval of time from ourselves and take the feedback of how much we are pastime the plan we had set for ourselves. This feedback will always help us to asses us in the light of the goals set before us and give us the exact idea of any further improvements if needed.Overall Progress Setting ObjectivesThe objective one puts in front of himself is the ultimate goal he is looking for but things like this do not come very easily and soon. There is a hook of effort and regular monitoring is involved. I polish up my objectives and steps I suggested to be taken to achieve the same in every month and analyze the extent I am close to it and what were the right steps I took in this direction and what were wrong. for example if I have firm to read a particular book at the starting of a month and I have spend most of the time in other activities rather than reading that book then at the end of the month when I will review the whole situation it will come out itself that my focus and will power is not that strong and I need to work on that which will help me to achieve my objective ultimately which is reading the book in this case and as this is just an example the concept can be unsounded in a broader prospective which is career and life. (Business tips and tricks)Learning StyleEach individual has its own way of learning and analyzing the information in different way. fleck most of the people deliver the information is one convenient way still here we will analyze different important and famous learning styles which are used today.There are many ways to classify the learning styles and most of such classifications are based on individuals perception. On the basis of the perception of one such individual we have categorized the learning styles in four categories listed below-Converging- It is based on understanding the abstract concepts and implementing them practically diverge It is based on coming up with new ideas and seeing things from a different prospectAssimilating- It is based on building theoretical models by inductive reasoningAccommodating- It is based on actively participating in the important ideas going aroundMy learning style among these four categorie s is Converging as I believe in understanding the concept first and then visualize it in a real time scenario with the help of technical and personal skills I am having. (Business tips and tricks)Lifelong LearningThe concept of lifelong learning is not new usually people expect learning to be a source and medium too to build a bright career and earn a pile of money which is not at all wrong but that should not be the ultimate objective as we say its not all about luxury but for the life as well.Four very important factors this whole idea strongly lies on areLearning to knowLearning to doLearning to live togetherLearning to beIt also proves the point that learning is an integral part of life not only to earn money but also to live a contented and transient life.My suggestion to encourage the lifelong learning is the same frame of mind which promotes education and learning beyond the money and luxury column and it should always kept in mind that learning doesnt have any age or status bar and it is supposed to move with you throughout your life being a very integral part of your life.Time Management StrategiesThe major time management strategies I have adopted to achieve my objectives are following with their importance in ones daily schedule.Dont waste time Seems quite obvious but very important point. I used to waste a share of time watching videos, checking email often and using social networking websites which consumed most of my time without giving me any valuable knowledge so I decided to quit that.Make a Calendar Running things that you have to do in your head is not an ideal way to keep track of things it will be better to have a calendar and mark important date in it because if you are free it might be easy to keep such things in mind but once you have a lot of work it is hell of a job and in a refrain era like today you are not allowed to make many mistakes so keep yourself updated.Work from anywhere and everywhere Use online tools like Gmail, Google documents and others so that you can work from anywhere from your computer as internet is available everywhere today it will help you to stay ahead of the curve.Break your work into chunks Do work in small pieces as it might be possible that you have a little time but a lot of work so you might not start as you cant finish it in that much of time so break your work in small pieces. (6 essential time management strategies)

Importance of Faith in Young Goodman Brown by Nathaniel Hawthorne Essay

Importance of Faith in Young Goodman embrown by Nathaniel HawthorneIn Young Goodman Brown, the main character, Goodman Brown has a bout with his own faith. He ends up losing this battle because of the wickedness in everyone elses hearts. He begins by wanting to be the evil one, because progresses to be the faithful one as the night in the woods goes on. His name has a lot to do with the character in the story. The Young in his name is to symbolize innocence, and GOODMAN is pretty self-explanatory. He goes off in to the woods and comes with a lost faith in everyone else in the town. Goodman Brown decides he wants to go off into the woods for one last night of evilness before married life really kicked in. He says, What a wretch am I, to permit her on such an errandWell shes a ...

How Christian Faith-Based Organizations Can Help Homeless Shelters :: Soup Kitchens Spirituality Food Pantries Essays

How Christian Faith-Based Organizations Can Help Homeless SheltersAbstractSpirituality affirms the inwrought self-worth, dignity and core health of a mortals well being therefore, homeless shelters should incorporate spirituality, in order to benefit a person in the long term compared to the satisfaction of an immediate need. Our national epidemic of intolerance for poor and homeless people is the consequence of Americas wish of spirituality, coupled with Americas love of materialism and societys expense (3, martin). The number one book sold for over a decade, take to be a fad or a trend has been the Bible. In a study of New York prisoners, studies found that those who take partd in a Prison kin Bible Study were rearrested drastically less compared to the amount of prisoners those whom did not. Of those who took part in the Bible study, 14 per centum were rearrested within one year, compared to those who choose to not participate was 41 percent. In a similar case, at a Te xas prison, out of 80 prisoners who took part in the Prison Fellowship, a whopping five percent are back in prison. In a Public Health Service, which is strongly Christian oriented, done of Teen Challenges Drug discussion program, by a Northwestern University doctoral student, it was found that it was more effective with the participants than that of its counterparts. With these examples, it becomes credible that with faith-based programs long term results are received, which further exemplifies my position upon the integration of Christian faith into the homeless shelter environment.While researching this issue, I came across President renders Faith-Based Initiative. Bush wants federal funding to flow to religious organizations without spare restrictions. In doing this, there will be departments created to tend to housing, urban development, labor, health and human services. In establishment of these positions, bush will oversea them as they engagement closely to fund the faith-based services. On a CNN interview with Eileen OConnor (whom represented Bush) she stated, They (faith-based services) have an effectiveness rate. In some cases, it is proven by studies that they can be more effective as with recidivism in drug treatment programs. President Bush says that if they are effective, why not turn them.Many critics have argued Bushs stance in saying that it crosses the line drawn between church and state. OConnell argued, He (Bush) has appointed men of different faiths to head these programs up.

Comparing Revenge in The Bargain and Haircut :: comparison compare contrast essays

Revenge in The Bargain and Haircut There are some(prenominal) character similarities between Mr. Baumer in The Bargain, and Jim, of Ring Lardners story, Haircut however, the major difference is the motive for their revenge. Both characters show lots of wit and brains, as well as fleece and remorse. Getting revenge is very important to both of them, quite obviously to the reader. However, Mr. Baumer is quiet while Jim is loud and obnoxious, only trying to get attention at someone elses expense. They also show differences in their motives for revenge, and severity in it. Both men, as residents in a small t proclaim, are very well-known by all and all watch them, in even such cases where they are broken in. Being men, and having pride, they cannot stand to be embarrassed in front of everyone else. Their pride has been hurt, and they invert the favor...until later when the spotlight is moved to someone else, equally if not more humiliated. Jim, a prankster in a small hicki sh town in the country, is credibly best classified as a town bully, getting even for everyone else in the towns wrongdoing. The judge, jury, and executioner, he gets away with everything he darn well wants to, until someone in this little town takes action and blows him away. He is loud and obnoxious, with selfish motives, only trying to make himself look better. He doesnt even show consideration for his own family. Meanwhile, Mr. Baumer has been repeatedly picked on by a certain member of HIS small hickish town, as well as getting all of his money ripped off. He is humiliated constantly, in front of all of the town members. Mr. Baumer gets his revenge by subtly hiring his persecutor, who is illiterate and an alcoholic, as a delivery man. This man drank himself to his death by insobriety wood alcohol.

Blackness in Macbeth Essay examples -- Macbeth essays

Blackness in Macbeth The Bard of Avon shows in his tragedy Macbeth an evil couple who face the dark hand of death - as a contribute of criminal deeds. Let us look closely at the growing, enveloping tail of the play as it progresses. In his book, On the Design of Shakespearean disaster, H. S. Wilson identifies the darkness in the play with evil, hell, devils Mr. Kenneth Muir, in his introduction to the play - which does not, by the way, interpret it simply from this point of view - aptly describes the cumulative effect of the imagery The direct contrast between light and darkness suggested by the imagery is part of a general antithesis between good and evil, devils and angels, evil and grace, hell and heaven . . . (67-68) A.C. Bradley in Shakespearean catastrophe comments on the darkness within the play The vision of the dagger, the murder of Duncan, the murder of Banquo, the sleep-walking of Lady Macbeth, all come in night scenes. The Witches dance in the deep air of a sto rm or, black and midnight hags, receive Macbeth in a cavern. The blackness of night is to the hero a thing of fear, even of horror and that which he feels becomes the sum of the play. The faint glimmerings of the western sky at twilight are here menacing it is the hour when the traveller hastens to reach safety in his inn, and when Banquo rides homeward t meet his assassins the hour when light thickens, when nights black agents to their prey do rouse, when the wolf begins to howl, and the owl to scream, and withered murder steals forth to his work. (307) In Macbeth as the Imitation of an Action Francis Fergusson states the come out of the closet of darkness in the action of the play It is the phrase... ...re The Tragedies. A Collectiion of Critical Essays. Alfred Harbage, ed. Englewwod Cliffs, NJ Prentice-Hall, Inc., 1964. Knights, L.C. Macbeth. Shakespeare The Tragedies. A Collectiion of Critical Essays. Alfred Harbage, ed. Englewwod Cliffs, NJ Prentice-Hall, Inc., 1964. Lam b, Charles. On the Tragedies of Shakespeare. N.p. n.p.. 1811. Rpt in Shakespearean Tragedy. Bratchell, D. F. New York, NY Routledge, 1990. Shakespeare, William. The Tragedy of Macbeth. http//chemicool.com/Shakespeare/macbeth/full.html, no lin. Warren, Roger. Shakespeare Survey 30. N.p. n.p., 1977. Pp. 177-78. Rpt. in Shakespeare in the Theatre An Anthology of Criticism. Stanley Wells, ed. England Oxford University Press, 2000. Wilson, H. S. On the Design of Shakespearean Tragedy. Toronto, Canada University of Toronto Press, 1957.

The Role of the Modern Woman Essay -- Women

Diana Spencer, more commonly known as Princess Diana or even Princess Di to some was with out a doubt one of the intimately influential women of our lifetime. Diana represented what the woman of the 20th Century could become. Strong willed, independent and gorgeous all at once. Not in recent history had royalty, a lot less that of the United Kingdom, connected so well with the people. She was the first member of the royal family to travel the globe and meet with children victim to land mines and HIV/AIDS. Diana held so much power and was loved so much by her people that at her funeral, some referred to her as the Queen of the People. It is said by some that because of her erratic influence over the English nation, she suffered an untimely death.Diana was with out question adored by the English people, as well as by foreigners. However, the role she play which she did with extreme grace was a relatively new one. One hundred, fifty, even twenty years ago, women were non expec ted to play the role Diana play. There was no such thing as divorced royalty traveling to devastated parts of the third world countries raising awareness of peoples plights. One hundred years ago, women played extremely different roles than they do now. Most educated people are aware of this, however, the evolution of the role women partake in society is one that is not told often. In the past hundred years, two periods really stand out as periods where women made advances in how they were seen by society. The first was in the 1920s when they were allow suffrage. The second was in the 1970s with the rise of the Modern Feminist Movement. The evolution of societys view of women is best illustrated in the visual publications of the last hu... ...ositions in the government, large corporations, even in certain religions. Women have made large and permanent advances that are milestones in this country. Though much needs to be make in other parts of the world even within the United St ates progress is inevitable. Sooner of later, one way or another, change will come. whole works CitedThe Modern Woman A Look at Who She Is and How She Got Therehttp//www.ellisparkerbutler.info/epb/pic/womans_world_1913_09_a.jpghttp//images-eu.amazon.com/images/P/B0000AIZ63.03.LZZZZZZZ.jpghttp//www.thespiderawards.com/AwardsPass/WINNERS-NOMINEES/PRO-fashion/images/Flapper.jpghttp//en.wikipedia.org/wiki/Jacqueline_Lee_Bouvierhttp//www.archives.gov/exhibits/powers_of_persuasion/its_a_womans_war_too/images_html/images/we_can_do_it.jpghttp//www.questia.com/PM.qst?a=o&se=gglsc&d=5002183556&er=deny