Damelin Port Elizabeth Essay Example | Topics and Well Written Essays - 1750 words

Damelin Port Elizabeth - Essay Example Insurance product offering are based on life, home and vehicles needs of a demographic, the home loan includes specially tailored products for certain category segments based on ownership patterns ranging from home owners to tenants and other liability protection as needed in that industry. Wachovia's auto loans segment has introduced ConceirgeClaim 2 service that guarantees auto repairs with 24 x 7 customer support. Health insurance include the standard long term health insurance for all micro segments, and introduces a more specialized Wachovia Health Advantage and Health Saving account 3 that work as retirement saving account and are tax advantaged for those looking for deeper involvement in their health insurance plan. Wachovia sets high standards for customer satisfaction as it designs fiscal category products designed on segments based upon demographic, psychological and behavioural profiles and its multiple needs. Wachovia's investment brokerage accounts provide for self-direc ted accounts and for those who need a constant financial advisor through their investments. The retirement planning products based on 20 - 70+ year demographics have specific programmes relevant to a certain age groups with updating schemes as certain class of consumers evolves through the age groups. Wachovia's planning guides 4 help establish future product offerings to current and potential customers by providing educational resources prompting smart fiscal decision making. The customers make informed purchases based on Wachovia's planning guide and this fosters trust and higher customer satisfaction since Wachovia's products are designed based on those needs. A cyclical loop of recurring business with target markets is established. Wachovia provides wealth management services and acting as an executor for the clients that have achieved a certain financial success and need more customized plans and deeper involvement from Wachovia. Services include financial and estate planning, investment and asset management as well as insurance and trust and philanthropic services. These functions are specialized and customized, hence, those that avail of these services get one of its kind deal based on their needs. The effective utilization of the "Next Logical Product" approach for achieving customer satisfaction and establishing relationship by Wachovia is reflected in its financial products. B) Wachovia segments its household market based on demographics, psychographics and behavioural classification. For personal finance, Wachovia offers a band of products based on psychographic needs ranging from those in campus to retirees in banking, insurance, investments, lending and retirement needs. In insurance Wachovia provides for life with standard across demographics and specialized tax saving health plans, home and auto needs segregate products based on ownership patterns (owners, tenants etc), financial rate preferences (fixed rate, 100% financing) and special needs based on the lifestyle of a target market. In banking, besides providing a free checking account, Wachovia also provides a free student checking account, Access Fifty Checking and Crown Classic Banking for those

Animal Behavior Essay Example | Topics and Well Written Essays - 1750 words

Animal Behavior - Essay Example In what ways were chimpanzees superior to humans Goodall observed (p. 232) that unlike humans, a chimpanzee is not inhibited by any fear of making a fool of him/herself. What this means is that chimpanzees may not exhibit in their adulthood the effects of any traumatic experiences in their childhood. They instinctively learn from their experience and move on is what she seemed to imply, although such a conclusion may be doubtful scientifically because it was not possible at the time of her observation to have any properly documented childhood histories of the adult chimpanzees she observed. And, of course, what we may consider foolish behavior may be for a chimpanzee just an ordinary show of animal happiness. At the least, we can admit that chimpanzees are superior in a way because they do not go around rampaging in the forest just because they were bullied by others of their kind, as Goodall observed. Goodall also made some observations where humans were "better" than chimpanzees, and this is in caring for their young (p. 185). Unlike humans where the male of the species get involved (emotionally and physically) from pregnancy to adulthood, male chimpanzees do not do so, leaving the task and troubles of pregnancy, birth, and child-rearing to the female. This form of behavior Goodall marks as one of the main differences between human and chimpanzee societies. This leads us to ask whether this difference has something to do with the malaise in human society today, and whether leaving child-rearing to human mothers would be better. There were other instances when Goodall found chimpanzees in a league of their own and incomparable to humans, such as in the way they trust the others, especially humans, or in the tolerant and kind behavior they show towards their young (p. 74; p. 178). They do not turn traitor, friendly one moment and then aggressive the next, or harm others for no reason. This did not mean that chimpanzees do not express aggressive behavior when threatened, but once they accept someone as their own, everyone is expected to follow the established social order or get out of the group (perhaps, start a new one). In a sense, these chimpanzees were exhibiting animal behavior but devoid of the evil and bad intentions that abound among humans. Personally, Goodall's account shows the many similarities and differences between humans and chimpanzees, and leads me to question the advantages and disadvantages of rational behavior, or whether chimpanzees can teach us lessons that would help us make this world a better place. Looking at the world as it is now, I disagree with Goodall's observation (p. 34) that we accept the chimpanzee as Man, because I think it would be an insult to the chimpanzee. Perhaps later, when we humans learn to use our "superior" mental and spiritual capacities to do what is good and to avoid evil, it would be an honor for us to be accepted by the chimpanzees as their biological and genomic kin. The Truth about Dogs Budiansky (2001) presented a genomic dimension of man's best friend, a "gene's eye" view to show how dogs evolved from their

Character Comparison Term Paper Example | Topics and Well Written Essays - 750 words

Character Comparison - Term Paper Example George Gibbs is the son of the Gibb couple whose father is a doctor and who has one sister, Rebecca. He excels in the field of sports specifically basketball and he dreams of studying at the State Agricultural School. His plan changes when he started a relationship with Emily Webb and married her. Emily Webb is George’s neighbor and later his wife. She is good in school and also a good daughter and sister of Wally. After marrying George, she dies of child birth. The lives that Emily and George lived exemplify normal lives devoid of too much excitement or important events, although in this case this is the perfect manner that the writer can point out the importance of appreciating everyday life. In relation to the main focus of the play, the stage manager is the bearer of the important quotations in the play which connects the audience to the author. Wilder uses methods within the play that can be considered unique but due to the fact that not many author uses the discussion of the play as part of the play itself as what the stage manager and the actors acting as part of the audience are doing, the people who are watching the play are clearly guided toward the main point of the whole plot. Without the said technique, the audience can miss the point of the play. Another method Wilder used is symbols. Throughout the play there are different symbols that can be found. The time capsule represents the importance of history and the past to humanity. Another is the symbolism of monotonous activities in the town through the activities of the milkman and the newspaper boy. Another focus of the play is the journey of George and Emily. Through the course of the plot they develop and grow. There are important quotations presented in the play that described the growth of the two characters and the different personalities in the plot. The first quote expressed â€Å"So†¦This is the way we were: in our growing up and

Impact ofUuninsured Population Essay Example | Topics and Well Written Essays - 1250 words

Impact ofUuninsured Population - Essay Example Health premiums alone rose threefold over average American incomes during the period 2000 - 04. This was largely the cause of 'under' insurance. A serious concern with Americans today is the possible fall out of being ill or injured in such circumstances. Most of the increase in the uninsured is due to an increase in the adult population to over 8 million equaled by a rise in the uninsured population to about 6 and a half million. About 4 million of this segment is below 200 percent of the poverty level. There are increases in uninsured even among the high income bracket of the population. Moreover, the shift in employment patterns suggests a large number veering toward employment in small size firms or self employment. Major figures for the uninsured or under insured are seen in this segment and most likely the trend will continue. The decline in employer sponsored health coverage will continue and costs of health insurance are far in excess of earnings and will continue to be so. Government intervention through public sponsored initiatives like tax credits or health programs is sure to be hampered by large budget deficits hampering state initiatives. In some states the growth in health care costs even outpaces state incomes. What are the implications in all this, fo... If the costs of health coverage are now being passed on to the individual, how do we widen the net to protect the underinsured and prevent the uninsured from drifting off into total hopelessness Suggested below are three initiatives can start and manage to face the risks from the uninsured population turning its back on us: Profit balanced with growth Product Mix Re-organize Structure (King, 2006) Profit balanced with growth drives the Business The issue - Economies of scale exist in the health care management industry but do not enable low premiums and ensure growth. Promotion of growth actually hampers profits as the issue concerning us is to be able to keep servicing our corporate clients, many of whom are offloading costs to each employee. We need aggressive double digit increases and pursue expansion of enrolments. Profits are important to us as they will help us survive a possible downturn caused by a low premium regime. Our goal would be achieve a premium yield of about 20% which would help us outpace the cost of expansion. This would come through our corporate clients It is suggested we that we prune down our client list to include those who would be able to share these costs. Ultimately, we would benefit from reducing the growing numbers of uninsured and passing off associated costs to those who can afford these. Degree of risk - Growth in enrollment would probably put us for a while in the path of unpredictable developments like rate of inclusion of new clinical technologies which would make costs spiral. This trend could be weathered by us as we have a mix of clients including those who came to us from other providers. This would be more preferable to the present trend of holding premium prices down in order to

The Ethical Behavior and Decision Making Within An Organization Essay

The Ethical Behavior and Decision Making Within An Organization - Essay Example In my earlier submission, I evinced allegiance to the utilitarian ethics as per which those actions are decisions are considered to be ethical that accrue maximal benefit to the maximum number of people, while allowing for the optimal and efficient utilization of resources. However, over this semester I realized that as my innate understanding of ethics evolved and matured, I concluded that no ethical dogma or principle happens to be a one size fit all dictums. The utilitarian ethics which profess to be sacrosanct in one particular situation may turn out to be problematic in some another mass situation. For instance, during Nazi Germany, the Jews were persecuted and killed because the regime of the time strongly believed that such actions intended to bring happiness to the majority of the Germans. However, in retrospect, nobody harbors the doubt that such actions were not only evil but a viable source of shame for the entire humanity. Such examples forced me to think as to what does it mean by being ethical? Is there a single ethical dogma that fits and suits all the situations? After much brain raking, I came to the conclusion that my idea of ethics stood to be more in consonance with the theory of situational ethics. Eventually what is right and what is wrong, what is ethical and what is unethical depends upon the nature of a particular situation. There exists nothing as universal ethics and each situation has its own ethical norms imminent to it. What is considered to be ethically right may be totally incongruent and inapplicable in a particular situation? Hence, while taking ethical decisions, a leader needs to be amply flexible and open-minded. This does not mean that such an approach must be pliable and open to manipulation. Yet, the ultimate ethical credentials of a leader ought to be dependent on one’s ability to opt for the nobler hypothesis amongst the available choices. For instance, if as a manager I fire an employee because one’s serv ices are not in tandem with the organizational expectations, it would be ethical. However, if I fire an employee because he has not been able to muster his best, as he has a wife suffering from cancer and he needs to take care of his two kids at home, it would be unethical. The nobler choice in this situation will be to extend the options and possibilities to that employee, which allows him to serve the organization while taking care of his domestic responsibilities. I also need to mention that the ethical values to which I owed allegiance to earlier, which are integrity, honesty, charity, and responsibility still stand to be more or less the same. However, the way I perceive and understand these values have indeed achieved much maturity and human consideration. For instance, the value of integrity requires an employee to safeguard organizational information and secrets. Yet, if the imperative of integrity makes a person to safeguard such organizational information, the withholding of which amounts to cheating the customers and shareholders, then safeguarding such information will be totally contrary to the value of integrity. The same stands to be true for the other three values.

Operating systems Essay Example | Topics and Well Written Essays - 1000 words

Operating systems - Essay Example This program is in the complicity level three since it is able to create a batch file to run the automatic back up process. The interaction takes place through a dialogue in a command line mode. It will also be able to operate in a work schedule such that it can run repeatedly. It will run in a multiple back up operation for moving many files in the same session. The backup system will present the menu in command line forms through the same dialogue system. However, the naming system will be a dynamic naming system depending on the user’s discretion, where the system will allow the user to specify the naming protocol, either by use of incremental alphabetical and numerical characters and perhaps linked to the day’s date. The changes in the codes of the batch file will alter the way the file runs. It checks the availability of the source of the files to be backed up as well as the destination directories which are in existence. Simple Source code @echo off :: variables s et drive = C:\Backup set folder = %date:~7,2% set backupcmd = xcopy /s /c /d /e /h /i /r /k /y @pause echo ### Backing up directory... %backupcommand% "C:\Program Files\dir1" "%dirve%\%folder1%" @pause echo The file Backup process Completed successfully @pause @pause @pause We save the file as backup.bat and we see the icon below On running the file the output below appears Result Press any key to continue . .. ### Backing up directory†¦ '"C:\Program Files\dir1"' is not recognized as an internal or external command, operable program or batch file. Press any key to continue . . . The file Backup process Completed successfully Press any key to continue . . . Advanced Source code @echo off :: Declaring source code variables set drive = C:\BatchBackup set bapcmd = xcopy /s /c /d /e /h /i /r  /y @pause @pause echo ### Program for backing up the Documents... %bapcmd% "%USERPROFILE%\My Documents" "%D%\My Documents" echo ### Backing up the Favorites... %bapcmd% "%USERPROFILE%\Site" " %C%\ bapcmd " @pause @pause echo ### The system is Backing up all the Em and address book. %bapcmd% "%USERPROFILE%\Applic Data Files\Microsoft\AddBk" "%C%\ My Address Book" %bapcmd% "%USERPROFILE%\Local Settings\ Applic Data\Identities" "%C%\Outlook Express" @pause @pause echo ### System is Backing up all Ems and Em contacts in MS Outlook express %bapcmd% "%USERPROFILE%\s\ Applic Data\MS Outlook" "%C%\Outlook" @pause @pause echo ### System Backing up Registry********* if not exist "%C%\Registry" mkdir "%D%\Registry" if exist "%C%\Registry\regbackup.reg" del "%D%\Registry\regbackup.reg" regedit /e "%D%\Registry\regbackup.reg" @pause @pause ::Registry Backup Completed Successfully :: use below syntax to backup other directories... :: %bapcmd% "C" "%drive%\ % "D" "%drive% echo System successfully completes Backup Process! @pause @pause @pause Result Press any key to continue . . . Press any key to continue . . . ### Program for backing up the Documents... '"C:\Users\COLOO\My Documents" ' is not recognized as an internal or external com mand, operable program or batch file. ### Backing up the Favorites... '"C:\Users\COLOO\Site"' is not recognized as an internal or external command, operable program or batch file. Press any key to continue . . . Press any key to continue . . . ### The system is Backing up all the Em and address book. The system cannot find the path specified. The system canno

Is democracy making gains in Asia C.Q. Researcher, July 24, 1998, vol Research Paper

Is democracy making gains in Asia C.Q. Researcher, July 24, 1998, vol. 8, issue 27 - Research Paper Example Economic liberalization has caused setback to democratization 2. Corruption and poverty cause hindrance to growth of democracy 3. Negative impact of war on terrorism affect democratization 4. Instability in the democratic infrastructure prevent stable democracies 5. Tradition-bound societies resist change 6. Expectations focused on â€Å"Asian values† did not materialize in a big way There is a widespread belief in the West that Asia is a region where democracy has not yet taken roots. But the truth is that the Asian countries have given the world the best ideas and values, which have helped democracy progress world over. Democracy, though in its primitive form had been a familiar notion with Asians because the ethical values that the religions of Asia (Budhism, Confucianism, Hinduism, Islam) proclaim, have been almost the same as democracy (1). The democratic implication of the cultural diversity of Asian countries is some thing that the West finds difficult to understand. Wi th so many cultures and languages integrated as one nation, almost every country in this region is a great model of cultural pluralism (2). The colonization of the Asian subcontinent by the British Empire had its pros and cons for the nations of Asia, in terms of democracy (3). Colonization opened up new channels, which were to bring in, new ideas of equality and democratic governance from Western renaissance to Asia (4). All the same, the colonization process destroyed the inherent social fabric of these countries that had a different kind of cultural tolerance and coexistence built into it (5). And this was the tragedy that occurred for the democracy in Asia. But changes are visible. It is through an evolving synthesis of economic progress, community oriented development and the strengthening human rights movement in Asia that democracy is making gains in this region. Literally, the meaning of the word, democracy, is â€Å"people rule† (6). And the primary definition of dem ocracy can be, â€Å"a freely elected government† (7). As Mosley has suggested, the problem that democracy always will have to face and tackle is, the fact that, â€Å" ‘people’ will have many different interests, all clamouring to be heard and acted upon† (8). In Asia, as said above, the cultural diversity is greater than any other region and hence the clamoring at its peak. But there can also be a second definition for democracy, which says that democracy is a â€Å"government by a simple majority† (9). While refuting the arguments of Samuel Huntington regarding the clashes of civilizations, Schmiegelow has pointed out the role of the rising middle class in the democratization process in Asian countries (10). Quoting Henry Rowen, Schmiegelow has also introduced another approach towards the same subject, which says that the economic growth in these countries has contributed to the democratization process (11). The problem with these two approaches has also been described by Schmiegelow by citing two contrasting examples- the case of Singapore which is very rich but not accepted as a liberal democracy by the world and the case of Burma which is very poor but inherits a very strong democratic movement (12). All these discussion throw light upon the amazing diversity of Asian democratic experience, which can be understood from the following words of Brian Bridges and Lok-Sang Ho: When we view the Asian scene, we can see a vast range of democratic polities, from the huge but