Chemistry is Life! essays

Chemistry is Life! essays Most people have chosen to write their essay about how chemistry has played an important role in everyday life. I have chosen to ask, how doesnt it play a role in everyday life? The simple fact is that chemistry plays an important role in every persons daily activities from the moment were born. So what role does chemistry really play in everyday life? Well, this involvement usually begins first thing each morning. Most people wake up to an alarm or radio. These common household items contain batteries, which make them very chemically dependent. These batteries contain positive and negative electrodes. The positive electrode consists of a carbon rod surrounded by a mixture of carbon and manganese dioxide. The negative electrode is made of zinc. Chemistry plays an important role in the discovery and understanding of materials contained in these and many other common household items. Things like household cleaners and water purification systems are vitally dependent on chemistry. Without chemistry something as simple as scrubbing a toilet without fear of severe burns or small explosions might not be possible. Next, though it isnt widely known, chemistry is also heavily involved with the manufacturing of things such as makeup and soap. Each time you bathe you are witnessing chemistry at work. Chemicals such as cetyl alcohol and propylene glycol are typical ingredients in the soap used to wash your hair and skin. Without chemistry, these materials (or combinations of these materials) might be hazardous or might not exist. The chemical coloring agents used in makeup and nail polish would not be possible without an understanding of the chemicals involved. Almost anything you do during the course of a normal day involves chemistry in some way. The gas and tires in cars we drive, the makeup we put on our faces, the soaps and cleaners used everyday, burning wood or other fossil fuels, chemistry is all around y...

How and with what success did Russia industrialise in the la essays

How and with what success did Russia industrialise in the la essays During the late nineteenth century the Russian government undertook a policy of rapid industrialisation which, due to a combination of factors, drove the desire to industrialise Russia for the principle aim of keeping the facade of her militaristic strength and power status. It was evident to Alexander III that Russias defeat in the Crimean War highlighted its backwardness compared to other great European nations such as France and Britain, and revealed a need to modernise and industrialise. It forced the government to recognise the vital relationship between industrial strength and military power. This became further apparent after the use of railways and modern weaponry in the German Unification wars during the late nineteenth century; and diplomatic defeat in the Congress of Berlin in 1878 by other European powers. In addition, Russia had not undergone an industrial revolution which would transform its military capacity not simply through increased productivity but through the gather pace of technological development spawned by the industrial revolution whereas its rivals, namely Germany and Britain, already had. In economic terms the government saw a number of ways in which industrialisation was necessary. They found a need to develop their own resources instead of relying on foreign imports, saw how agricultural depression illustrated the need for alternative sources of income, and railways were seen to be a high priority as they were vital to organise resources. Overall the government saw that an economic advance would lead to increased wealth, and thus greater potential government revenue. The need for industrialisation was clearly vital for the Russian government; however it did face certain practical difficulties and problems which hindered the acceleration of industrial development. There was an inefficient domestic agricultural system which, coupled with the depression in agri...

Business Strategy Essay Example | Topics and Well Written Essays - 1750 words - 3

Business Strategy - Essay Example to remain progressive and contemporary with the changing business environment and has always tried to meet the consumer demand (Hitt, Duane and Hoskisson, 2012, pp.76-77). The company carries extensive research on the needs and tastes of the customers and at the same time constantly changes their advertising campaigns. The main aim of the company is to develop their products in the best possible way and give their customers a great place to socialize, eat and have a great experience. McDonald’s has achieved its competitive advantage through charging low price for its products and increasing the volume. McDonald’s attracts the consumers on a regular basis and at the most affordable prices. It aims at regular visits of the customers and hence does not display very high priced products on their menu. The product prices of McDonald’s are not standard for all the countries. It differs according to the location or rather the pricing strategy of McDonald’s depends on the local competition and promotions. McDonald’s has even changed the eating habits of the customers and attracts people at the peak hours by offering very low rates. McDonald’s follows an aggressive pricing strategy. McDonald’s products taste the same whichever country they operate, but they try and indulge some local taste so as to make it more appealing to the local consumers (Jeannet and Hennessey, 2005, pp.213-214). The company expands its operations internationally through franchising. They even aim at being the quick service restaurant and give their customers a good experienc e in terms of product quality, taste and cleanliness. The business strategy of McDonald’s comprises of the franchisee model, product consistency and act like retailer think like a brand strategy. The franchisee model that is adopted by the company helps it to maximize on the returns and minimize the investment. According to this model only 15% of the total number of restaurants of McDonald’s is actually owned by

Paper on Aristotle and relationship at work Essay

Paper on Aristotle and relationship at work - Essay Example Mary, her friend for many years manages the marketing campaign at the company and frequently they have lunch together. They are all "friends", but in what capacity What does Aristotle have to do with Lori and her co-workers Although centuries have gone by, his theories on how we relate to one another, how we conduct ourselves and what motivates us have stood the test of time. Aristotle, born in 384 B.C. began studying under Plato at the age of 17 and remained at his school for 20 years, in the later years as a teacher (Cliffs Notes, Author). He also had the appointment to tutor the 13 year old son of Philip of Macedonia, Alexander, who later became known as Alexander the Great. During the period of Alexander's conquests, Aristotle began his own school in Athens and it is during this time that he most of his "important writing and teaching" (Cliff Notes, Author). philosophy, politics but also touched on issues on morality and ethics. The compilation of his lectures and writings in the compilation Nicomachean Ethics give extensive thought to the reasons and motivations for our behavior. Aristotle believed that "Every art and every inquiry, and similarly every action and pursuit, is thought to aim at some good" (Nicomachean Ethics Book I.1) and that the ultimate good is to achieve happiness. Happiness is sought for the sake of being happy whereas other goals such as being healthy, or rich is sought out in order to be happy. So it seems that the different activities in which we engage in life are all a small part or subset of the big goal to be happy. Friendship is one aspect of the subset. Aristotle says it "is a virtue or implies virtue, and is besides most necessary with a view to living." (Nicomachean Ethics Book VIII.1.) In the scenario at the beginning, Lori has become friends with the people with whom she works, a necessary occurrence that enables her to enjoy the time spent at the company. Developing the friendships contributes to her happiness. Aristotle puts friendship into three categories: perfect friendship or that which is based on being good, useful friendship and pleasant friendship. Lori liking Mary for the sake of Mary (and vice versa) is an example of genuine friendship. (Book VIII.3) Since the relationship is based on desiring purely what is good for the other, this type of friendship is long lasting as "goodness is an enduring thing" (Book VIII.3). However, Aristotle believes that this type of friendship does not occur frequently as not only are 'good' people a rarity, but it also takes time to cultivate. Not e that perfect relationships can also be pleasant and/or useful; however, pleasant or useful friendships are not perfect and therefore, not lasting. These relationships are considered to be mutually beneficial, or what Aristotle calls equal. Lori's new friendship with Rosie is a useful friendship in that there is a benefit for her. Lori learns faster from Rosie and increases her value at the office and Rosie is able to decrease her workload to a manageable quantity -- mutually useful. If Rosie did not have a huge workload, the Last Name 3 contribution to the friendship could be a combination of utility and pleasantness or in other words, Rosie is useful to Lori and finds

ComLab Inventory Essay Example for Free

ComLab Inventory Essay 2. 1 Introduction This chapter will review all related work and technology used in developing the â€Å"Computer Laboratory Inventory System† This chapter will review on the technologies that relate to the needed research and the current or related projects that have been studied. 2. 2 Definition of Terms/Concepts 2. 2. 1 Barcode Inventory System The term â€Å"barcode inventory system† is generic and encompasses avariety of different applications and industries. The term is commonly used in warehousing, logistics, and distribution; it can also be used in retail point-of-sale, manufacturing, and various service sector implementations. In each case, at its core, a â€Å"barcode inventory system† includes ameasurable list of items or quantities and utilizes barcode technology in some fashion. Barcode technology is a means of interfacing humans to data processing equipment; therefore, barcode technology cannot be utilized independent of data processing equipment. Commonly, the data processing equipmentstores the results of a â€Å"barcode inventory system† in electronic form. 2. 2. 2 Automatic Data Gathering This term refer to the concept of data collection that run on script that will be developed. It is important that the system will automatic, by detection of the computer hardware and software component and then store the data into the database at the same time. The script will be based on JavaScript because it supports the Windows Management Instrumentation (WMI) and Windows Script Host (WSH). Both two components are required to enable the detection of the computer hardware and software function in this system. 2. 2. 3 Windows Script Host (WSH) The Microsoft Windows Script Host (originally called Windows ScriptingHost) is distributed and installed by default on Windows 98 and laterversions of Microsoft Windows. It is also installed if Internet Explorer 5 (ora later version) is installed. It provides scripting capabilities comparable to batch files, but with a greater range of supported features. Beginning with Windows 2000, the Windows Script Host became available for use with user login scripts. It is language-independent in the sense that it can make use of different Active Scripting language engines. By default it interprets and runs plaintext JScript (. JS and . JSE files) and VBScript (. VBS and . VBE files). Users can install different scripting engines to enable them to script in other languages, for instance Perl. The language independent filename extension WSF can also be used. The advantage of the Windows Script File (. WSF) is that it allows the user to use a combination of scripting languages within a single file. The researcher has taken the advantage of the scripting ability by developing a JavaScript file to be used as Automatic Data Gathering engine for Computer Inventory System. 2. 3 Different Types of Inventory System There are a number of different inventory systems starting with the most ancient system to the most advanced system. 2. 3. 1 Physical Counts (Periodic System) The most basic method of inventory tracking is physical counts. A lot of firms relied on physical count to try and figure approximately where they were at. 2. 3. 2 Two-Bin System The two-bin system is only slightly more sophisticated than the physical count system. Using the marvels of modern technology, this system uses two bins of materials. When one bin is empty, its time to re-order. 2. 3. 3 Perpetual Tracking This method of counting is demand driven. Instead of counting how many items are in inventory, we count how many leave inventory. The demand can be tracked by batches of inventory usage, such as demand that is entered once a week or they can enter in real time which provides the ability to continuously monitor inventory levels. If we are already in the practice of counting demand, this is a great way to track inventory because it involves little additional effort. It was ideal because there is little variability in the products that are demanded. For a supermarket, this can be more difficult because of the variety of products sold. Chapter III System Analysis and Design System analysis is the process of understanding and specifying in detail what the information system should do. This involves all the data gathered during the previous interviews with the subject personnel as needed by the researcher. This chapter covers on the presentation, requirements and specification of the proposed system. This also shows if the proposed system is feasible. System Feasibility Feasibility study is a systematic analysis and performed in advance to the project in order to provide some information about the project whether it should be undertaken or not. It involves the analysis of the system to determine whether it is feasible to develop the particular system. The feasibility on this proposed system was foreseen to be feasible to the Institution through the following factors: Operational This system will be operational feasible considering the fact that it will fasten the processing of the computer laboratory inventory system of Ramon Magsaysay Memorial Colleges. The proposed system will have a user friendly environment and the flow of the system can be easily comprehended by the user. Technical The technicality of the proposed computer laboratory inventory system is considered feasible because it was developed to help the staff in managing computer assets,especially when they are going to trace the computers and peripheral and domass upgrade. The purpose of the system is to help the staffs manage the computers inventory more effective and easy way. Using this Computer Laboratory Inventory System, staffs can get information about all computers, monitors and other peripherals that currently exist in the faculty. They also can trace where all the computers are located in the faculty whether in the computer labs, classes, offices, in the lecturer’s room or anywhere in the faculty. In order for the system to perform better, Computers should be placed in a well-ventilated area and should be well protected to avoid electrical problems. Schedule The Researchers was given an enough time frame to comply the proposed system for the Ramon Magsaysay Memorial Colleges – Computer Laboratory Inventory System. They were given one whole semester to finish the entire system and the study. This was very sufficient in conducting his study, performing interviews, designing and creating the proposed system. In designing and creating the system, the researchers was also allowed to use the unit in the computer laboratory of the school even extends his working hours during free time only. Economic Feasibility The proposed system is economically feasible to the Institution for the reason that the school will benefit and save money in purchasing the system. System Requirement Specification The system requirement of the proposed system is needed to run efficiently. If the hardware and the software do not meet the required specification, our system will probably encounter problems. The process of the computer may run slow which may cause delay. Hardware Specification Hardware refers to the physical components of a computer system which is required in the study. Below are the lists of the minimum requirements of hardware components of the computer for the proposed system. Colored monitor Mouse Standard Keyboard System Unit (at least Pentium 3) AVR (Auto-Voltage Regulator) Hard Disk (at least 80 gigabytes) Software Specification Software refers to the needed and required software applications in order for the proposed study to run and be used. Operating System-Microsoft Windows XP Service Pack 2 or Higher Microsoft Office 2003 Microsoft Visual Basic 6. 0 People The people involved in the proposed system are the direct users. They are categorized as primary users and secondary users. To manage the system the user should be computer literate and able to use and operate a computer so that they will have no difficulties of absorbing the instructions the researcher will have to give during the training period. This is essential so that they will not encounter problems while using the system. These users will also undergo several seminars or training to familiarize the system. This is highly recommended so that they could easily handle the system to avoid delay and errors. System Requirement Checklist During the requirements modeling, the researcher must have to identify and describe all system requirements. The System Requirements Checklist presents the inputs, process, outputs, performance and controls. Input – the data’s that are inputted and stored in the database considered as raw material that are being processed to create the necessary information. Process – are the transactions of an establishment being done on the data in thesystem. Output – the report and visual outcome of the processed data. Performance – trapping of errors and outcome of the processing. Controls – the shortcut keys that are used to manipulate the screen. Future Growth, Cost and Benefits This will discuss the benefits of the proposed system. The implementation of the new system is firmly believed and assured to produce tangible benefits though it has also intangible benefits to the company. Tangible Benefits The proposed system provides assurance to the company that Proposed System will lessen works loads and will provide a better service to the respondents. Aside from that, it can easily generate reports and it will improve the performance of the firm in terms of service. Intangible Benefits Immediate maintenance if there are some necessary technical problems occurs in the System. Scalability This is to test if the new systems will be capable of storing a large capacity of data that can hold information based on the specified needed requirements specifically on the hard disk. In the future growth, the system will reach its discarded period and will not be capable of storing information so the system is recommended to upgrade its program to sustain its operation. The researcher assures that the given hardware and software requirements are reliable and can sustain a large number of information. Enterprise Modeling This presentation contains the sequence in the Computer Laboratory Inventory System of Ramon Magsaysay Memorial Colleges. For the system to be efficient, the researcher develops graphical presentations about the proposed system. The system flowchart indicates the Proposed Computer Laboratory Inventory system that it could minimize errors on the whole operation compared to the existing system. The enterprise model shows how the entities are related to each other and it also widens our understanding on how the researcher designed the program to perform certain transactions. System Flow Chart, or data flow, is used to describe the flow of data through a complete data-processing system. Different graphic symbols represent the clerical operations involved and the different input, storage, and output information required. Although the flow chart may indicate the specific program used, no details are given of how the programs process the data. Context Diagram The above diagram shows the whole process done in the proposed Computer Laboratory Inventory system. This is to identify all the major input and output of the system. Data Flow Diagram of the Proposed Computer Laboratory Inventory System A Data Flow Diagram is a graphical representation of the â€Å"flow† of data through an information system. User User Account 1. 0 Category Info Item Info. Transaction details Category 3. 0 Reports Transaction Summary Report Inventory Report Table 1 File Maintenance Table 1. 1 User Information Input Add new user , Add new password, Process Add, Update, Save, Delete, Close, Refresh Output Display User Account Performance No Errors, user friendly Control Table 1. 2 Unit Information Input Unit Process Add, Edit, Save, Delete, Close, Refresh Output Display Unit Record Performance No Errors, user friendly Control Table 1. 3 Supplier’s Information Input Company name, Company Address, Contact Person, Contact No. Process Add, Update, Save, Delete, Close, Refresh Output Display Supplier Account Performance No Errors, user friendly Control Table 1. 4 Office Information Input Office Name, Office Address, Bldg. No. Process Add, Update, Save, Delete, Close, Refresh Output Display Office Account Performance No Errors, user friendly Control Table 1. 5 Officer Information Input Officer Name, Officer ID No. , Officer Department Process Add, Update, Save, Delete, Close, Refresh Output Display Officer Account Performance No Errors, user- friendly Control Table 1. 6 Category Information Input Category Name Process Add, Update, Save, Delete, Close, Refresh Output Display Category Record Performance No Errors, user- friendly Control Table 1. 7 Brand Information Input Brand Name Process Add, Update, Save, Delete, Close, Refresh Output Display Brand Record Performance No Errors, user- friendly Control Table 2 Transaction Table 2. 1 New Items Input Category, Unit, Brand, Description, Price, Date of Purchase, Supplier, Office, Officer, Process Add, Update, Save, Delete, Close, Refresh Output Display New Item Information Performance No Errors, user friendly Control Table 2. 2 Dispose Items Input Unit to Be Dispose, Reason of Disposal Process Search, Dispose, Refresh Output Display Dispose Item Performance No Errors, user friendly Control Table 2. 3 Repose Items Input Dispose ID, Reason of Repose Process Search, Repose, Refresh Output Display Repose Item Performance No Errors, user friendly Control Table 2. 4 Transfer Items Input Category, Brand, Transfer Office, Transfer Address, Process Search, Transfer, Refresh Output Display Transfer Item Information Performance No Errors, user friendly Control Table 3 Data Report Input None Process Print and Review Output List of All Information for One New Item and All Transaction

William Lyon Mackenzie :: essays research papers

William Lyon Mackenzie William Lyon Mackenzie's life can best be understood if man and legend are separated. William was born on March 12, 1795 in Scotland. Three weeks after his birth, his father, Daniel, supposedly died, but no record of his death has ever been found. William and his mother were said to gone through great hardship, having to move off of Daniel's land. After moving to Dundee, William, who went by the names Willie or Lyon, entered the Dundee Parish School at the age of five, with the help of a bursary. At fifteen, he was the youngest member of the commercial newsroom of the local newspaper. He also belonged to a scientific society, where he met Edward Lesslie, and his son, James. These two would be William's patrons throughout most of his life. In 1820, William sailed to Canada with John, another son of Edward Lesslie. Mackenzie was immediately impressed with Upper Canada. Before the end of the year, Mackenzie was writing for the York Observer under the name of 'Mercator'; In 1824, Mackenzie started his most famous newspaper, the Colonial Advocate. The first edition appeared on May 18, 1824. The sole purpose of this paper was to sway the opinions of the voters in the next election. On June 8, 1826, a group of fifteen, young, well connected Tories disguised themselves as Indians, and broke into Mackenzie's York office in broad daylight. They smashed his printing press, then threw it into the bay. The Tories did nothing to compensate him, so it was clear that they were involved. Mackenzie ntook them to court, and seeing that their 'disguise'; had been seen through, they offered Mackenzie  £200. He refused, and after a bitter trial, the court awarded him  £625. In March of 1829, Mackenzie went to the United States to buy books for resale, and to study the actions of the newly appointed Andrew Jackson. He compared the simplicity and the cost of American government to Canada's, and saw that their spoils system might be a way of doing away with some Family Compact members. When an assembly met in January of 1831, Mackenzie fully immersed himself into its proceedings. He demanded inquiries into abuse, and insisted on a review of representation in the province. He appointed people on the council to fight for what he, himself wanted, while what he personally did angered and annoyed the Tory members of parliament. On December 12, 1831, Mackenzie was voted out of parliament on a vote of 24 to 15.

Thailand: Analysis of the General Insurance Industry

Brochure More information from http://www. researchandmarkets. com/reports/606283/ Thailand Insurance Sector Description: Thailand is the 2nd largest economy in Southeast Asia, after Indonesia. It ranks midway in the wealth spread in South East Asia and is the 4th richest nation per capita, after Singapore, Brunei, and Malaysia. The Thai economy in 2008 is forecasted to grow at 5. 6% (in the forecasted range of 5. 0-6. 0%). This figure is an improvement on 4. 8% growth in the previous year according to Fiscal Policy Office (FPO), Ministry of Finance.In 2008 accelerated public sector spending led to recovery in domestic demand which is expected to be far more balanced economic expansion. Government policy would then be forced to stimulate the domestic economy. This happens when external demand is likely to be softened from possible global economic slowdown. External stability in 2008 will remain strong with current account surplus estimated to be 0. 5% of GDP (in the range of 0. 3-0. 8% of GDP). In contrast, internal stability in 2008 may have some risk with increasing headline inflation at 4. 5% (in a range of 4. 3-4. 8%).This is mainly due to rising energy and food prices in the world markets. According to ‘The Economist’, real GDP growth will slow down by 1. 15% p. a over the next 4 years (2008-12), as compared to 5. 3% p. a in past 3 years since 2007. This sluggishness of GDP can be attributed to various negative factors, such as political uncertainty, instability of foreign exchange rates, and continuous high petroleum prices in 2006. The Thai insurance industry, along with the wider Thai economy, has now however recovered from the depths of the Asian financial crisis and is experiencing noteworthy growth.The trend is expected to continue as public awareness of the need for insurance increases. Market Performance and Forecast Within a span of 7 years (2000 – 2007), Thai Insurance Sector has experienced a growth of 191% currently valuated at $9,434. 72 million. The Knowledge Centre predicts, the overall market size will increase by 72. 5% further and is expected to touch the highs of $13,012. 75 million by 2011. The life insurance market in Thailand between 2000 and 2007 increased at a CAGR of 16. 57%. The Knowledge Centre envisages that this trend would continue and the market will see CAGR of 5. 5% in 5 years and reach $8,306. 21 million in 2011. The non-life insurance market in Thailand between 2000 and 2007 increased at a CAGR of 10. 73%. The Knowledge Centre also forecasts that the growth will continue and the market will see CAGR of 8. 34% in the next 5 years with the premiums reaching $4,706 million by 2011. Competitive Landscape Some of the top foreign insurance companies in Thailand are ACE, AIG, Allianz, AXA, Generali, ING, Millea Holdings, Manulife, New York Life and Prudential (UK).The market is dominated by AIA, the local name of AIG that accounted for approx. 29% of all of gross premiums in 2007. Thai Life (TLI) is considered to be the second largest player overall with a market share of approx. 14%. The next largest group is considered to be a joint venture between non-life insurer Ayudhya, local conglomerate Charoen Pokphand and Allianz (AACP) with a market share of approx. 14%. Other major players in this market are Ocean Life, Finansa, local associates of AXA (Krungthai) and ING.Non-life insurance sector in Thailand is further sub-categorized under Fire, Marine & Transportation, Hull, Cargo, Automobile, Compulsory, Voluntary, Miscellaneous, Industrial All Risks, Public Liability, Engineering Insurance, Aviation Insurance, Personal Accident, Health Insurance, Crop Insurance and Other Insurance. Some of the top companies in this sector are Bangkok Insurance, Dhipaya Insurance, Phatra Insurance, New Hampshire Insurance, Ayudhya Insurance, Mitsui Sumitomo Insurance, MSIG Insurance, Sri Muang Insurance, Siam Commercial Samaggi, South East Insurance, Viriyah Insurance, Synmunkong I nsurance, Krungthai Panich etc.Driving factors – Balanced economic expansion and supporting role of the government – Recent reforms and government’s regulatory initiatives – Re-defined financial practices and strengthening of corporate governance Relaxation of restrictions on directors and senior executives of insurance companies Amendment of clauses governing the evaluation of assets & debts of a life insurance company Merger or consolidation of the large number of local insurers Middle income industrial developing nation Growing interest in Bancassurance Adoption of THBFix and Bibor Establishment of Insurance CommissionMajor trends, issues and opportunities – Mergers and acquisitions in Thailand's insurance industry are likely to drop off – Thailand's economy is slowing as the effects of high oil prices, rising interest rates and longrunning political uncertainty take their toll. – Political uncertainty and instability of foreign ex change rates – Bullish trend in fixed deposit rates – Government regulations laying a strong foundation for future growth – Increase in foreign ownership limits – Move towards a knowledge economy through skills development – Issues in Health Insurance Systems Topics covered in the report Thai economy, its performance, future outlook for 2008-09 – Government’s economic policies, macroeconomic factors, trends and analysis – Economic and Insurance environment in Thailand – Market performance and forecast for Thai Insurance Sector between 2000, 2007 and 2011 – Market performance and forecast for Thai Life Insurance Sector between 2000, 2007 & 2011 – Market performance and forecast for Thai Non-Life Insurance Sector between 2000, 2007 & 2011 – Recent reorganization of financial institutions and setting up of Insurance Commission – Corporate Finance Legislation and other major regulatory development s – Role of Bancassurance Specific regulations and norms by the Thai Government for insurance sector. – Sub-categorization of life and non-life insurance sector – Competitive landscape & market share of companies in life and non-life insurance sector – Company profiles of top players in life and non-life insurance sector Contents: 1. THAILAND 1. 1. THAI ECONOMY 1. 2. GOVERNMENT POLICIES 2. THAI INSURANCE SECTOR 2. 1. MARKET OVERVIEW 2. 2. MARKET PERFORMANCE & FORECAST 2. 2. 1. Thailand Insurance Market 2. 2. 1. 1. Thailand – Life Insurance Market 2. 2. 1. 2. Thailand – Non-Life Market 2. 3. DRIVING FACTORS 2. 3. 1.Recent Reforms 2. 3. 2. M&A or transfer of the business of an Insurance Company 2. 3. 3. Thai Corporate Finance Legislation 2. 3. 4. Role of Bancassurance 2. 3. 5. Recent Regulatory Developments 2. 3. 6. Insurance Commission replaced Department of Insurance 2. 4. TRENDS, ISSUES AND OPPORTUNITIES – AN ANALYSIS 2. 4. 1. Insura nce M&A likely to drop 2. 4. 2. Pending Legislations 2. 4. 3. Implications for Foreign Insurers 2. 4. 4. Skills development remains a key 2. 4. 5. Issues in Health Insurance Systems in Thailand 2. 5. GOVERNMENT REGULATIONS 2. 6. COMPETITIVE LANDSCAPE 2. 6. 1. Life Insurance 2. 6. 1. 1.Life Insurance Renewal Market 2. 6. 1. 2. Single Premium Market 2. 6. 2. Non-Life Insurance Market 2. 6. 2. 1. Fire Insurance Market 2. 6. 2. 2. Marine and Transportation Market 2. 6. 2. 3. Cargo & Hull Market 2. 6. 2. 4. Automobile Sector 2. 6. 2. 5. Miscellaneous Insurance 2. 6. 2. 6. Industrial All Risks Insurance 2. 6. 2. 7. Public Liability Insurance 2. 6. 2. 8. Engineering Insurance 2. 6. 2. 9. Aviation Insurance 2. 6. 2. 10. Health Insurance 2. 6. 2. 11. Personal Accident Insurance 2. 6. 2. 12. Other Insurance 2. 6. 3. Company Profiles 2. 6. 3. 1. American International Assurance company (AIA), Thailand 2. . 3. 2. ACE INA Overseas Insurance Company Limited 2. 6. 3. 3. Ayudhya Insurance Public Co mpany Limited 2. 6. 3. 4. Ayudhya Allianz C. P. Life Public Company Limited 2. 6. 3. 5. Bangkok Insurance Public Company Limited 2. 6. 3. 6. Bangkok Union Insurance 2. 6. 3. 7. Charan Insurance 2. 6. 3. 8. Deves Insurance 2. 6. 3. 9. ING Life Limited 2. 6. 3. 10. Indara Insurance 2. 6. 3. 11. Manulife Insurance (Thailand) Public Company Limited 2. 6. 3. 12. MSIG Insurance 2. 6. 3. 13. QBE Insurance (Thailand) Company Limited 2. 6. 3. 14. Sri Muang Insurance 2. 6. 3. 15. The Viriyah Insurance Co. , Ltd. List of TablesTable 1: Macroeconomic Trends: Population (mil. ) vs. Nominal GDP ($ bil. ) – 2002-2011f Table 2: Macroeconomic Trends: GDP per capital ($ bil. ) vs. Real GDP Growth (%) – 2003-2011f Table 3: Growth Trends: Inflation (2002-2008f) Table 4: Key Economic Indicators Forecast – 2007-2012f Table 5: Growth Trend Comparison: GDP Growth vs. Insurance Growth (%) – 2000-2011 Table 6: Thailand Insurance Market Value ($million): 2000-2007 Table 7: Thailand Insurance Market Value Forecast ($million): 2007-2011f Table 8 : Insurance Density: Premiums Per Capita in USD Table 9: Insurance Premium in % of GDP (2001-2011f)Table 10: Growth Trend of Life Insurance and Non-Life Insurance ($Million): 2000-2011f Table 11: Thailand Life Insurance Market Value ($million): 2000-2007 Table 12: Thailand Life Insurance Market Value Forecast ($million): 2007-2011f Table 13: Thailand Non-Life Insurance Market Value ($million): 2000-2007 Table 14: Thailand Non-Life Insurance Market Value Forecast ($million): 2007-2011f Table 15: Thailand Insurance Sector: Projections of Macroeconomic Drivers (2006-2010f) Table 16: Market Share of Top Players in Life Insurance Sector: Comparison between 2006 & 2007 (Million Baht) and their Growth (%)Table 17: Life Insurance Total Premium Growth Year on Year by Company 2006-2007 (%) Table 18: Life Insurance Market Growth by First Year Premium of Top Companies: Comparison between 2006 & 2007 (mn Baht) Table 19: Life Insuran ce Market Growth by First Year Premium of Top Companies: Comparison between 2006 & 2007 (%) Table 20: Life Insurance Premium Renewal (million Baht) and Growth (%) Year on Year for Top Companies (2006-2007)Table 21: Life Insurance Renewal Market Share of Top Companies in 2007 (mn Baht) Table 22: Life Insurance Single Premium Market Share of Top Companies in 2007 (mn Baht & % growth) Table 23: Loss Ratio of Non – Life Insurance Business (2007) Table 24: Marine and Transportation Companies: Markey Share by Direct Premium (Unit: 1,000 Baht) Table 25: Automobile Insurance Top companies by Direct Premium (2007) Table 26: – 2007 Table 27: 007 Table 28: 2007 Table 29: 2007 Table 30: Table 31: Table 32: Table 33: Top Miscellaneous Non-Life Insurance Companies: Market Share by Direct Premium (%) Top Industrial All Risk Non-Life Insurance Companies: Market Share by Direct Premium – Top Public Liability Non-Life Insurance Companies: Market Share by Direct Premium – T op Engineering Non-Life Insurance Companies: Market Share by Direct Premium (%) – Top Top Top TopAviation Non-Life Insurance Companies: Market Share by Direct Premium – 2007 Health Insurance Companies: Market Share by Direct Premium – 2007 Personal Accident Insurance Companies: Market Share by Direct Premium – 2007 Other Non-Life Insurance Companies: Market Share by Direct Premium – 2007 List of Charts Chart 1: Macroeconomic Trends: Population (mil. ) vs. Nominal GDP ($ bil. ) – 2002-2011f Chart 2: Macroeconomic Trends: GDP per capital ($ bil. ) vs.Real GDP Growth (%) – 2003-2011f Chart 3: Growth Trends: Inflation (2002-2008f) Chart 4: Key Economic Indicators Forecast (2007-2012f) Chart 5: Growth Trend Comparison: GDP Growth vs. Insurance Growth (%) – 2000-2011f Chart 6: Thailand Insurance Market Value ($billion): 2000-2007 Chart 7: Thailand Insurance Market Value Forecast ($million): 2007-2011f Chart 8: Insurance Density: Prem iums Per Capita in USD Chart 9: Insurance Premium in % of GDP (2001-2011f) Chart 10: Thailand Insurance Market: Segment Share 2007Chart 11: Growth Trend of Life Insurance and Non-Life Insurance ($Million): 2000-2011f Chart 12: Thailand Life Insurance Market Value ($million): 2000-2007 Chart 13: Thailand Life Insurance Market Value Forecast ($million): 2007-2011f Chart 14: Thailand Non-Life Insurance Market Value ($million): 2000-2007 Chart 15: Thailand Non-Life Insurance Market Value Forecast ($million): 2007-2011f Chart 16: Market Segmentation of Non-Life Insurance (%): 2007 Chart 17: Market Segmentation of Non-Life Companies by Ownership 2007 (%) Chart 18: Comparison of Direct Premiums of Non – Life Insurance Business (2007 & 2006) Chart 19: Direct Premium per Insurance Policy for 2007-2006 (Baht) Chart 20: Comparison of Sum Insured Per Premium of Non – Life Insurance Business Segments (2007 & 2006) Chart 21: Loss Ratio of Non – Life Insurance Business (2007) Chart 22: Market Share of Top Life Insurance Companies by Total Premium in 2007 (%) Chart 23: Life Insurance First Year Premium Market Segment in 2007 by Top Companies(%) Chart 24: Life Insurance Premium Renewal (million Baht) and Growth (%) Year on Year for Top Companies (2006-2007)Chart 25: Life Insurance Renewal Market Share of Top Companies in 2007 (%) Chart 26: Single Insurance Premium Company Segmentation 2007 Chart 27: Fire Insurance Companies – Market Share (%): 2007 Chart 28: Marine & Transport Insurance Segment Share (%): 2007 Chart 29: Cargo and Hull Market: Direct Premium Share (%) in 2006-2007 Chart 30: Marine and Transportation Companies: Markey Share by Direct Premium (Unit: 1,000 Baht) Chart 31: Market Share of Automobile Insurance Sub Sector 2007 Chart 32: Automobile Insurance Top Companies – Market Share by Direct Premium (%) – 2007 Chart 33: Market Share of Miscellaneous Non-Life Sector (%) – 2007 Chart 34: Top Miscellaneous Non-Life In surance Companies: Market Share by Direct Premium (%) – 2007 Chart 35: Top Industrial All Risk Non-Life Insurance Companies: Market Share by Direct Premium (%) – 2007 Chart 36: Top Public Liability Non-Life Insurance Companies: Market Share by Direct Premium (%) – 2007 Chart 37: Top Engineering Non-Life Insurance Companies: Market Share by Direct Premium (%) – 2007Chart 38: Top Aviation Non-Life Insurance Companies: Market Share by Direct Premium (%) – 2007 Chart 39: Top Health Insurance Companies: Market Share by Direct Premium (%) – 2007 Chart 40: Top Personal Accident Insurance Companies: Market Share by Direct Premium (%) – 2007 Chart 41: Top Other Non-Life Insurance Companies: Market Share by Direct Premium (%) – 2007 Authors: Jasvita Anand, Akash Rakyan & Nishith Srivastava Ordering: Order Online – http://www. researchandmarkets. com/reports/606283/ Order by Fax – using the form below Order by Post – print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland. 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Private and Public Culture: Redefining the Borders Essay

Although defining culture into a universal definition that fits every social or academic mold can be a daunting task (Fischer, 2007), it is safe to say that every person in this world belongs to a certain culture. Recent trends in the demographics of America show exactly the possibility of separate cultures interacting, thereby indicating that multiple cultures flourish on that part of the world (Kim, 2001). In a larger sense, each country across the globe is home to a wide variety of cultures. The people who belong to each of these cultures certainly have their own cultural affiliations and the groups of people in each society also have their own as a collective body. As a result, a person, according to Richard Rodriguez, can become someone who is a part of a crowd and someone who is distinct from it. But is there really a distinction between public culture and private culture to begin with? To say the least, the notion of a private culture presumes the existence of a culture that is isolated in nature and is different from other cultures. A private culture, therefore, is one that is exclusive and cannot be easily absorbed by a foreign entity. If there are private cultures—indeed, if there are isolated and exclusive cultures—it is difficult to understand why cultures sometimes overlap with one another, why one culture shares several basic yet significant characteristics with other cultures, or why people have the tendency to absorb other cultures when the necessity and the situation call for it? I think there are no innate differences between public and private cultures simply because the notion of culture, in my opinion, is a state of the mind. Culture is something that is conditioned during the extent of a person’s life. It is something that is taught and passed-on from one generation to the next as a mental idea that seeks to differentiate the self within the group from other groups. In reality, that state of mind is only an excuse for intolerance when there should be no reason to sow hatred or indifference on the basis of cultural distinctions. Such distinctions do not carry actual value that is worth propagating for we live in a world where the only culture that exists is the culture of humanity. That being said, there is a need for college students to search for more than what we have at home simply because the home is not a bottomless source of information. To know the world around and appreciate it in its whole us is to go beyond the limitations imposed by the social institution of family. The task of understanding the rest of humanity requires us to step out of the comfort zones provided by homes and to come face-to-face with people around us. There is the culture called humanity waiting to be explored outside the home. The foundation that our families provide is incomplete in much the same way as that which society and our peers expect of us is similarly partial. There is need to explore both areas because they are two sides of the same coin in a manner of speaking. Initially, we are armed with information provided to us by our families. To develop into more complete human beings, we need to gather more comprehensive information from other sources such as formal learning institutions and social groups. However, breaking away from our families does not mean abandoning them altogether for the sake of living a more rounded life. While it is true that we need to severe ourselves from the clutches of our families at some point in time, it does not necessarily mean that we also have to totally forget them or leave them behind never to return again. What is needed is to learn to remove the limits imposed to us by our families in our attempt to understand the society and the rest of humanity while not failing to remember our so-called â€Å"roots† and tap them whenever the need arises. References Fischer, M. M. J. (2007). Culture and Cultural Analysis as Experimental Systems. Cultural Anthropology, 22(1), 1-65. Kim, E. Y. (2001). The Yin and Yang of American Culture: A Paradox. London: Intercultural Press.

Preparedness theory essays

Preparedness theory essays How has preparedness theory attempted to integrate a Pavlovian model of the acquisition of specific phobias with this biological specificity? What is the status of Preparedness theory today? When confronted with a phobic object or situation an individual appears to have little control and no alternative but to avoid the feared object or situation (Ohman Russian psychologist Ivan Pavlov established the study of classical conditioning (Bourne & Russo, 1998). Kalat (1998) states that classical conditioning involves a modification of involuntary behaviour. In this process, a neutral stimulus that causes no natural respon...

B-25 Mitchell in World War II

B-25 Mitchell in World War II The evolution of the North American B-25 Mitchell began in 1936 when the company began work on its first twin-engine military design. Dubbed the NA-21 (later NA-39), this project produced an aircraft that was of all-metal construction and powered by a pair of Pratt Whitney R-2180-A Twin Hornet engines. A mid-wing monoplane, the the NA-21 was intended to carry a payload of 2,20o lbs. of bombs with range of around 1,900 miles. Following its first flight in December 1936, North American modified the aircraft to correct several minor issues. Re-designated the NA-39, it was accepted by the US Army Air Corps as the XB-21 and entered into competition the following year against an improved version of the Douglas B-18 Bolo. Further altered during the trials, the North American design proved to have consistently superior performance to its competitor, but cost significantly more per aircraft ($122,000 vs. $64,000). This led to the USAAC passing on the XB-21 in favor of what became the B-18B. Development Utilizing the lessons learned from the project, North American moved forward with a new design for a medium bomber which was dubbed the NA-40. This was spurred on in March 1938 by USAAC circular 38-385 which called for a medium bomber capable of carrying a payload of 1,200 lbs. a distance of 1,200 miles while maintaining a speed of 200 mph. First flying in January 1939, it proved under-powered. This issue was soon remedied through the use of two Wright R-2600 Twin Cyclone engines. The improved version of the aircraft, the NA-40B, was placed into competition with entries from Douglas, Stearman, and Martin, where it performed well but failed to secure an USAAC contract. Seeking to take advantage of Britain and Frances need for a medium bomber during the early days of World War II, North American intended to build the NA-40B for export. These attempts failed when both countries elected to move forward with a different aircraft. In March 1939, as the NA-40B was competing, the USAAC issued another specification for a medium bomber requiring a payload of 2,400 lbs., range of 1,200 miles, and a speed of 300 mph. Further revising their NA-40B design, North American submitted the NA-62 for evaluation. Due to a pressing need for medium bombers, the USAAC approved the design, as well as the Martin B-26 Marauder, without conducting the usual prototype service tests. A prototype of the NA-62 first flew on August 19, 1940. Design Production Designated B-25 Mitchell, the aircraft was named for Major General Billy Mitchell. Featuring a distinctive twin tail, early variants of the B-25 also incorporated a greenhouse-style nose which contained the bombardiers position. They also possessed a tail gunner position at the rear of the aircraft. This was eliminated in the B-25B while a manned dorsal turret was added along with a remotely operated ventral turret. Around 120 B-25Bs were built with some going to the Royal Air Force as the Mitchell Mk.I. Improvements continued and the first type to be mass-produced was the B-25C/D. This variant increased the aircrafts nose armament and saw the addition of improved Wright Cyclone engines. Over 3,800 B-25C/Ds were produced and many saw service with other Allied nations. As the need for effective ground support/attack aircraft increased, the B-25 frequently received field modifications to fulfill this role. Acting on this, North American devised the B-25G which increased the number of guns on the aircraft and included the mounting of a 75 mm cannon in a new solid nose section. These alterations were refined in the B-25H. In addition to a lighter 75 mm cannon, the B-25H mounted four .50-cal. machine guns below the cockpit as well as four more in cheek blisters. The aircraft saw the return of the tail gunner position and the addition of two waist guns. Capable of carrying 3,000 lbs. of bombs, the B-25H also possessed hard points for eight rockets. The final variant of the aircraft, the B-25J, was a cross between the B-25C/D and the G/H. It saw the removal of the 75 mm gun and the return of the open nose, but the retention of the machine gun armament. Some were built with a solid nose and an increased armament of 18 machine guns. B-25J Mitchell Specifications: General Length: 52 ft. 11 in.Wingspan: 67 ft. 6 in.Height: 17 ft. 7 in.Wing Area: 610 sq. ft.Empty Weight: 21,120 lbs.Loaded Weight: 33,510 lbs.Crew: 6 Performance Power Plant: 2 Ãâ€" Wright R-2600 Cyclone radials, 1,850 hpCombat Radius: 1,350 milesMax Speed: 275 mphCeiling: 25,000 ft. Armament Guns: 12-18 Ãâ€" .50 in (12.7 mm) M2 Browning machine gunsBombs: 6,000 lbs. max. or 8 x 5 rockets 3,000 lbs. bombs Operational History The aircraft first came to prominence in April 1942 when Lieutenant Colonel James Doolittle used modified B-25Bs in his raid on Japan. Flying from the carrier USS Hornet (CV-8) on April 18, Doolittles 16 B-25s struck targets in Tokyo, Yokohama, Kobe, Osaka, Nagoya, and Yokosuka before flying on to China. Deployed to most theaters of the war, the B-25 saw service in the Pacific, North Africa, China-India-Burma, Alaska, and the Mediterranean. Though effective as a level medium bomber, the B-25 proved particularly devastating in Southwest Pacific as a ground attack aircraft. Modified B-25s routinely conducted skip bombing and strafing attacks against Japanese ships and ground positions. Serving with distinction, the B-25 played key roles in Allied victories such as the Battle of the Bismarck Sea. Employed throughout the war, the B-25 was largely retired from frontline service at its conclusion. Though known as a forgiving aircraft to fly, the type did cause some hearing loss problems among crews due to engine noise issues. In the years after the war, the B-25 was used by a number of foreign nations.

External Scanning and Analysis (Tata Motors) Essay

External Scanning and Analysis (Tata Motors) - Essay Example This is evident by the increasing demand for automobiles, new technologies in the industry, emergence of news products, and ratification of novel regulations to govern the industry. Such challenges create both opportunities and threats to Tata Motors in terms unique market demands. The market trend for automobiles is thriving with young people proving to be the potential buyers for cars. Automobile firms target youngsters who like trendy cars and other vehicles. Despite these changing trends, most organizations have also defined their demands on the kind of vehicles they prefer. Such demands have forced Tata to adjust to the new technologies in making fresh and economical vehicles capable of competing favorably in the market. Companies reminiscent of BMW, Toyota, and Mitsubishi among others threaten Tata Motors. The company has to conform to the new market trends and environmental changes or flourish to extinction. Nevertheless, Tata Motors has thrived to enhance its market share glo bally thus announcing astounding intensification in its revenues in the recent financial years. This illustrates that the company understands its environment and competes favorably with other rivals despite the challenges. Evaluating opportunities together with threats â€Å"Opportunities and threats† form exterior aspects that analyze the market trends during the formulation of future strategies.2 The opportunities deeming for Tata Motors are numerous but depends on its approach to the dynamic automobile markets. One of the opportunities is that the company is able to develop its market presence in many countries globally to enhance its market reach. Additionally, despite the stringent competition in the industry, its rivals might flop. This gives it a chance to boost its market breadth. Another opportunity is that the new lifestyle trends are favoring the Tata cars particularly the ‘Nano-car’ model. Majority of the youngsters prefers to by the state of the art cars giving the company an opportunity to improve and emerge with new products. Additionally, the company targets global niche markets in the compact car models. This grants it an opportunity to storm virgin markets and take root before the flock of other brands. The company also gathers a global influence that grants its some publicity in the market. The market volumes, seasonal fashion influences, partnerships, and well-orchestrated distribution channels are other opportunities enjoyable by Tata Motors globally. The threats engulfing the industry incorporate political and legislative aspects that influence the global markets. Most countries have set rules that might disfavor the automobile industry in terms of importation and use of automobiles. The global uproar on the environmental conservation forms another threat to Tata Motors and other industry players. The threatened world economy, season, climatic concerns, credit pressures, enduring competition, technology developments, a nd changing market demands are other threats that face the automobile industry. Using â€Å"Porter’s 5-forces framework† in evaluating the industry The â€Å"porter’s 5-forces model† illuminates the nature of competition within an industry3. The automobile indu

Accurate Business Forecasting Essay Example | Topics and Well Written Essays - 2000 words

Accurate Business Forecasting - Essay Example The paper analyses the aftermath of a poor forecasting and the success of good forecasting. It explains aspects concerning the platform of business operation, the means for executing the operation, and the levels of desired achievement. It details survival methodologies in a changing market and political scenario. It gives a macro outlook towards the key indicators that should be considered before venturing into a business on building construction. It encompasses almost all vital areas of business that play a role for the success and growth of the company. Why is Business forecasting important when we cannot predict the future? The answer to the question is to evaluate risks that can arise from every angle and prepare to counter them and reduce damage to business as much as possible. However, there is no forecast that is 100% right. All business forecasters strive to achieve the 99.9%. There is another side to the coin here. A business ventured with no sense of forecast can be a total failure at a very early stage. In other words forecasting sets goals for a business. The company strives for its goal and carries out its task according to a well-drawn plan based on the forecast. Building construction is an industry, which involves high amount of planning, huge capital, and careful execution .... Broadly, the company needs to analyze and accurately forecast the following three factors. Firstly, Market analysis and trend forecast. Secondly, Forecast of the company's top line and bottom line numbers, the so-called targets for growth on quality and quantity. Thirdly, Financial Analysis and the prediction of the underlying changes in the macro economy. Market Analysis and Trend forecast: This is the central nervous system of any construction company. As a start up company, it is very important to select the area of operation or to be precise the exact geography, where they propose to start and speed up business. Estimating the current demand for construction, and what would be the expected demand for future construction and the growth of competition. Market analysis and trend forecast (continued) 4 What will be the expected turn in the market condition in the geography of operation, the availability of land, the expected market potential, and how much of the pie will the company own in the future. 'Pioneer builders' a construction company chose nearly four years ago analyzed the market trend in the state of California and picked San Diego as its base of operation, as it could not afford stiff competition in cities like Los Angeles. The city of San Diego had good potential for future construction especially, a rising demand for residential construction. The company analyzed and focused its target segment and was able to drive sales and reap profits in their first project, based on the market forecast. Soon they acquired land for combined residential construction and the growing demand in the city got them better business. The company had analyzed data of almost six different prospective cities