Wednesday, August 26, 2020
Presentation The BNP Paribas bunch is a market head in the financial business with tasks in more than 75 nations. It has a solid nearness in Europe, Asia, and North America, where it gives speculation, business, corporate, and retail banking administrations. Retail banking covers direct financial administrations, for example, credit offices and home loans stretched out to individual customers.Advertising We will compose a custom report test on International Expansion Strategy for BNP Paribas explicitly for you for just $16.05 $11/page Learn More The motivation behind this report is to suggest a global extension system for BNP Paribas. The report breaks down the large scale ecological qualities of the Singaporean market, accessible chances and dangers, and BNPÃ¢â¬â¢s qualities and shortcomings in regard to its universal extension technique. Potential Target Market The Singaporean retail banking market has seen a quickened development in the course of recent years. The quickened deve lopment is anticipated to arrive at an estimation of $297bn by 2019 (MarketLine 2015). From 2010 and 2014, the market developed to an estimation of $228bn, averaging a yearly development pace of about 8%, which is higher than that of South Korea (MarketLine 2015). The huge development rate has made the Singaporean retail banking market profoundly serious in the Asia-Pacific region.Ã The key sections driving the Singaporean retail banking market incorporate home loan and client credit. In 2014, contracts were esteemed at $168bn, which was identical to 74% of the market (MarketLine 2015). Conversely, the credit section was worth roughly $60bn, a likeness 26% of the market. In this view, BNP Paribas can use on its market head position in retail banking to extend its home loan and buyer credit administrations to the Singaporean market. Large scale ecological Characteristics of the Market Macro-natural qualities include the outside elements that are not under the immediate control of a firm. In this report, the PESTLE system will be utilized as a model for investigating the full scale ecological qualities of the Singaporean retail banking market. Political Singapore appreciates a moderately steady political and administration scene. The countryÃ¢â¬â¢s able administration has supported serious capacities in numerous divisions, especially the assembling business. SingaporeÃ¢â¬â¢s severe anticorruption strategy has seen it being evaluated among the best five nations with the least defilement record globally.Advertising Looking for report on business financial matters? How about we check whether we can support you! Get your first paper with 15% OFF Learn More thus, there has been an expanded progression of remote direct speculations into the nation in ongoing years.Ã Singapore has a flourishing financial area with solid liquidity levels. As indicated by MarketLine (2015), the countryÃ¢â¬â¢s administrative body, the Monetary Authority of Singapore (MAS), require s level 1 banks to keep up Ã¢â¬Å"capital proportions of above 9.0Ã¢â¬ (para. 8). Moreover, the authority expects banks to watch the Base III capital principles on capital sufficiency. Under this worldwide administrative system, banks must keep up an obligatory Ã¢â¬Å"common value proportion of 4.5%Ã¢â¬ to work in Singapore (MarketLine 2015, para. 12). The severe guidelines have guaranteed that banks keep up a high liquidity in any event, when money surges are rising. Singapore has exacting business guidelines that control outside firms going into its market. Any remote firm is required to enroll as a constrained organization before being permitted to work in Singapore. Moreover, guidelines sanctioned in 2007 specify that any private constrained organization must record yearly comes back with the countryÃ¢â¬â¢s annual duty division (MarketLine 2013). In this manner, outside organizations working in Singapore can't keep their budgetary records classified. Monetary Singaporean economy depends on exchange and assembling. It has a business-accommodating condition that pulls in gigantic remote direct speculation inflows. The economy endured the 2009 downturn to develop at a yearly pace of 14.7% in 2010 (MarketLine 2013). Nonetheless, in 2011, the monetary development eased back to a low of 5.1% because of the budgetary emergency experienced in the EU. The powerlessness of the Singaporean economy to outside stuns is because of its receptiveness to universal firms and investors.Ã The nation positions third all around in per-capita GDP and has a generally low assessment system (MarketLine 2015). The low expense rates make Singapore an alluring remote venture goal. Singapore stands apart as a budgetary center in the Asia-Pacific area. More than 123 banks work in the Singaporean economy with 117 of them being remote (MarketLine 2015). In general, the countryÃ¢â¬â¢s financial scene is exceptionally appealing to remote speculation. Social Singapore positions hi gh as far as proficiency levels universally. The Singaporean governmentÃ¢â¬â¢s use on instruction comprises 3% of the countryÃ¢â¬â¢s GDP with a great part of the assets going to rudimentary and optional training (MarketLine 2013). In advanced education, Singaporean establishments include among the best 20 colleges in the Asia-Pacific region.Advertising We will compose a custom report test on International Expansion Strategy for BNP Paribas explicitly for you for just $16.05 $11/page Learn More SingaporeÃ¢â¬â¢s populace comprises of an unbalanced number of the older. The high number of older populace is brought about by the countryÃ¢â¬â¢s low birthrate of 10.8 births per 1,000 people (MarketLine 2013). The developing old populace combined with the low birth rate will introduce budgetary and financial difficulties to the administration later on. The joblessness rate remains at 1.8%, down from 2.2% in 2010 (MarketLine 2015). The low joblessness rate is because of the continued monetary development in the nation. Innovation SingaporeÃ¢â¬â¢s innovation scene is portrayed by a high versatile infiltration of 156.6 per 100 people (MarketLine 2015). The governmentÃ¢â¬â¢s Ã¢â¬ËiN 2015 strategyÃ¢â¬â¢ plans to change Singapore into an innovation center point. Under this arrangement, the administration intends to subsidize different projects equipped towards animating the appropriation of advancements, for example, e-wellbeing in the nation. In 2012, Singapore score on protected advancements remained at 152.5 licenses per million individuals, which was higher than that of France (82.5). Singapore has additionally put resources into Ã¢â¬Ëe-learningÃ¢â¬â¢ and e-government to give the essential foundation to mechanical development. Lawful SingaporeÃ¢â¬â¢s legitimate condition is portrayed by a low duty system and severe guidelines. As indicated by MarketLine (2015), the countryÃ¢â¬â¢s corporate assessment, which remains at a pace of 17%, is among the m ost reduced in the Asia-Pacific district. The administration decreased the corporate assessment by a rate point to 17% in 2009, making it among the most reduced in the locale. The administration has additionally diminished the term it takes to enroll a business. It takes three days to enroll another organization contrasted with a normal of 12 days it takes in other OECD countries (MarketLine 2015). In addition, in the Asia-Pacific area, it takes a normal of three weeks to begin another business. Therefore, SingaporeÃ¢â¬â¢s lawful condition is good for the development of business and industry. Condition SingaporeÃ¢â¬â¢s condition strategy centers around vitality productivity. The nation attempted to improve its Ã¢â¬Å"energy effectiveness by 35% and reusing by 70%Ã¢â¬ constantly 2030 (MarketLine 2015). SingaporeÃ¢â¬â¢s endeavors to build vitality proficiency will lessen the expense of working together in the nation. Be that as it may, the nation faces numerous natural diffic ulties in light of the fact that a large portion of its territory mass lies close to the ocean level. In this manner, its beach front regions are helpless against the impacts of rising ocean level in view of its long coastline. The Key Strategic Issues BNPÃ¢â¬â¢s solid situation in its market fragments is a wellspring of upper hand. Nonetheless, to be fruitful in the retail banking market in Singapore, the BNP Paribas bunch must use on its upper hands and qualities to make the most of the market openings and business dangers or difficulties that describe the outside environment.Advertising Searching for report on business financial aspects? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Openings Mobile Payment Systems The Singaporean individual money and versatile installment frameworks are key subsectors that offer open doors for development. BNP can wander into these two zones to expand its infiltration into this market. In 2007, BNP propelled a Ã¢â¬Å"mobile contactless installment systemÃ¢â¬ in association with MasterCard (BNP Paribas 2015, para. 7). The multi-administrator portable arrangement, called Payez Mobile, brings retail banking administrations closer to the clients. BNP can gain by SingaporeÃ¢â¬â¢s high portable entrance, at present assessed to be 156.6 per 100 individuals, to enter the retail banking market.Ã Mobile arrangements, for example, Payez Mobile, that permit clients to deal with their exchanges can give the BNP a vital favorable position. Such arrangements can expand the firmÃ¢â¬â¢s perceivability in the retail banking market by permitting clients to pull back or store assets in their records through their cell phones. A coordinated portable arrangement that empowers clients to execute across various administrators is another way BNP can enter and develop in the Singaporean retail banking market. Individual Finance Personal money is packed with development open doors for new contestants. BNP as of now has an individual account division that was begun in 2007 in association with the UCB bank (BNP Paribas 2015). The BNP individual account has a decent potential for success of taking advantage of the open doors accessible in SingaporeÃ¢â¬â¢s retail banking part. Through the individual fina
Saturday, August 22, 2020
Looking into human practices from alternate points of view, including the five principle viewpoints of natural, learning, social and social, intellectual, and psychodynamic impacts, can now and again shed light on why people act the manner in which they do. Utilizing these points of view to survey how connections start, create, and are kept up can give a more profound comprehension and setting of this wonder. Confining adoration associations with these alternate points of view likewise assists with indicating how the viewpoints themselves contrast or are comparable according to how they think about connections as being framed and kept up. The organic viewpoint fights that inborn causes drive human conduct. In particular, this point of view expresses that the activities of the sensory system and hereditary heredity lead to various sorts of conduct (McLeod, 2007). From this viewpoint, hormonal responses and sentiments of fortification in the mind that are related with a specific individual lead individuals to begin connections (McLeod, 2007). Furthermore, the relationship is kept up on the grounds that people want to duplicate and give their own hereditary material to their posterity, and so as to drive this desire, the mind keeps on activating sentiments of delight and hormonal discharges to fortify the relationship between a given individual and nice sentiments (McLeod, 2007). This point of view is to some degree remarkable from different ones by they way it sees connections, since it guarantees that best in class psychological procedures are not even fundamental for a relationship to last; rather, just biochemical pr ocedures are required. The following sort of point of view, the learning viewpoint, asserts that learning through affiliation prompts explicit practices, and that people will for the most part figure out how to establish practices that they see are compensated (Mikkelson and Pauley, 2013). From this point of view, people structure connections since they see different connections, for example, those of their folks, remotely compensated, and come to relate the thought of Ã¢â¬Å"loveÃ¢â¬ with remuneration. The prizes that one gets from a relationship, for example, consideration, empathy, or even monetary security, are related with Ã¢â¬Å"loveÃ¢â¬ after some time, which fortifies the relationship and makes individuals more probable toÃ¢ maintain a relationship after they have been engaged with it for quite a while (Mikkelson and Pauley, 2013). Like the natural viewpoint, the learning point of view regards relationship conduct as something past humansÃ¢â¬â¢ cognizant control and doesn't really require cognizant idea, in spite of the fact that the learning viewpoint doesn't profess to know the inward procedures that drive it, and it requires that people have at any rate the capacity to learn with the end goal for them to be associated with connections (Mikkelson and Pauley, 2013). Social and social viewpoints guarantee that people are imbued with what establishes Ã¢â¬Å"rightÃ¢â¬ conduct through socialization. Since individuals experience childhood, as a rule, in family units with wedded guardians, or if nothing else where the guardians date others, kids learn at an early stage that connections are adequate, yet really alluring (McLeod, 2007). This thought is additionally fortified through messages given to the kid through the media, their companions and other relatives, and a great many people they interact with, every one of whom regard Ã¢â¬Å"loveÃ¢â¬ to be probably the most significant standard an individual can accomplish. People hence search out connections in their teenager years since they have been informed that it is a constructive goal to endeavor toward, and they are additionally fortified in their perspectives by their accomplice and other people who know them in the wake of dating or getting hitched, which drives the individual to proceed with their relationship (McLeod, 2007). This point of view is not normal for the learning and natural viewpoints in that it doesn't depend on reflexes or intrinsic drives, however rather requires complex idea, and, additionally, socialization; an individual living outside of society would almost certainly want to be seeing someone, to this viewpoint. The psychological point of view guarantees that human idea is the thing that drives all conduct. In this sense, at that point, people enter connections since they consider connections to be something that they want, and which will give them some sort of happiness or prize for searching out (Mikkelson and Pauley, 2013). On the off chance that they find that they do get some kind of advantage from dating an individual, they will settle on the choice to build up the relationship further, becoming familiar with the individual and maybe in any event, getting hitched, in the event that they accept that they are adequately perfect with the other individual for theÃ¢ relationship to last and keep on being fulfilling (Mikkelson and Pauley, 2013). This point of view, similar to the social and social viewpoint, is dependent on human idea as a driver of connections, yet the intellectual point of view esteems connections an individual decision instead of a consequence of cultural weight. Finally, the psychodynamic point of view fights that conduct is because of cooperations between the cognizant and the inner mind. A relationship may start in light of the fact that an individual from the other gender may help a person to remember the caring relationship they had with their folks, however so as to sublimate the wrong want for oneÃ¢â¬â¢s guardians, the individual searches out a relationship with an individual outside of their family. The relationship is kept up in light of the fact that it furnishes the individual with sense of self satisfaction (McLeod, 2007). Like the psychological and social points of view, the psychodynamic viewpoint depicts connections regarding human idea and intellectual movement, however not at all like those different viewpoints, the psychodynamic standpoint accepts that people are will undoubtedly go into connections, since it attributes the conduct to inborn drives. In this sense, the psychodynamic point of view is fairly similar to the natural viewpoint. These alternate points of view, at that point, can give various kinds of knowledge into human connections. References McLeod, S. (2007). Brain science Perspectives. Recovered from http://www.simplypsychology.org/Mikkelson, A. C., and Pauley, P. M. (2013). Amplifying Relationship Possibilities: Relational Maximization in Romantic Relationships. Diary Of Social Psychology, 153(4), 467-485. doi:10.1080/00224545.2013.767776
Sunday, August 16, 2020
Unpacking the Development Practioners Lab within the MPA-DP program COLUMBIA UNIVERSITY - SIPA Admissions Blog
Unpacking the Development Practionerâs Lab within the MPA-DP program COLUMBIA UNIVERSITY - SIPA Admissions Blog One of the key reasons why I chose the MPA-Development Practice program at SIPA was its focus on building hard skills through workshops and innovative teaching methods that I would use later on in my professional career. For me, graduate school was going to be a bit of a hurdle as I had worked professionally for five years and clearly saw my strengths in practical work rather than academic theoretical learning. The DP-Lab was a perfect opportunity to learn with real cases and examples. The Development Practitioner Lab, or DP Lab, is a required course within the MPA-DP graduate program that spans two semesters. The lab methodically delivers hands-on training for high priority skills in the field of development practice. The course was designed by Professor AndrÃ© CorrÃªa dAlmeida, whos the program manager, and Laura Budzyna, MPA-DP 12. The lab spans three hours and brings each member of the cohort together for team-oriented and practitioner-led workshops. For me, it was a great way to first get to know my classmates and dive into the hard skills with the mentorship of an established practitioner. It consists of eight labs each semester and has provided so much value to the students that it has gone from a one-credit pass/fail class to a one-point-five-credit letter graded course. Each semester, the DP Lab focuses on a different competency, complementing the knowledge learned in the programs core courses. Fall 2015 workshops have included: Stakeholder Institutional Analysis; Problem Mapping and Causal Analysis; Logical Framework Analysis; Spatial Analysis with ArcGIS; and Mobile Data Collection. A sample of the collaborative ideas generated through teamwork in DP lab. The skills learned in DP Lab are used almost immediately, whether it is within other SIPA courses or the required MPA-DP Summer Field Placement. âDP Lab helped me gain and refine fundamental skills for development practitioners that I utilized in my Summer Field Placement with the National Disabled Peoples Organization of Timor-Leste, says Angela Kohama, MPA-DP 16. I was able to master these skills to the point that I am now the assistant for the course this fall, and anticipate using this development practitioner toolkit in my professional life after the MPA in Development Practice program.â Kohama adds she learned more about qualitative data collection and program evaluation skills in the DP Lab. The DP Lab also provides a great opportunity to network and get to know leading development practitioners. Budzyna regularly teaches the workshop, Monitoring and Evaluation, and now works at MITâs D-Lab. After attending her workshop, Jimena Espinosa, MPA-DP 16, and Laura Lehman, MPA-DP 16, were both accepted as International Development Design Summit Monitoring Evaluation Fellows at the International Development Innovation Network, a partner network of MIT D-Lab. As fellows, they supported the organizational learning through monitoring and evaluation for International Development Design Summits in Colombia, Botswana and India. Other guest practitioners have included: Katherine Rockwell, Office of the UN Secretary Generals Special Envoy for Financing the Health MDGs and for Malaria; Kate Granger, Fintrac; Daniel Charette, Development Alternatives Incorporated; and Nikolas Katsimpras, Advanced Consortium on Cooperation, Conflict and Complexity, AC4, Columbia University. If youre interested in learning more about the DP-Lab or about the MPA-DP program in general, feel free to email me! Top image: Chukwudumebi (Dumebi) Ubogu and Lina Henao collaborate on a DP lab assignment using their new ICT4D skills.
Sunday, May 24, 2020
Amelia Earhart was a pioneer in aviation, and set a number of records for firsts for women. In 1937, her plane disappeared over the Pacific, and while there are theories about what happened to her, there is not certain answer even today. Selected Amelia Earhart Quotations Ã¢â¬ ¢ About her first airplane ride: As soon as we left the ground, I knew I had to fly. Ã¢â¬ ¢ Flying may not be all plain sailing, but the fun of it is worth the price. Ã¢â¬ ¢ After midnight the moon set and I was alone with the stars. I have often said that the lure of flying is the lure of beauty, and I need no other flight to convince me that the reason flyers fly, whether they know it or not, is the esthetic appeal of flying. Ã¢â¬ ¢ Adventure is worthwhile in itself. Ã¢â¬ ¢ The most effective way to do it, is to do it. Ã¢â¬ ¢ I want to do something useful in the world. Ã¢â¬ ¢ Please know that I am quite aware of the hazards. Women must try to do things as men have tried. When they fail, their failure must be but a challenge to others. [Last letter to her husband before her last flight.] Ã¢â¬ ¢ Women must pay for everything. They do get more glory than men for comparable feats. But, they also get more notoriety when they crash. Ã¢â¬ ¢ The effect of having other interests beyond those domestic works well. The more one does and sees and feels, the more one is able to do, and the more genuine may be ones appreciation of fundamental things like home, and love, and understanding companionship. Ã¢â¬ ¢ The woman who can create her own job is the woman who will win fame and fortune. Ã¢â¬ ¢ One of my favorite phobias is that girls, especially those whose tastes arent routine, often dont get a fair break.... It has come down through the generations, an inheritance of age-old customs which produced the corollary that women are bred to timidity. Ã¢â¬ ¢ After all, times are changing and women need the critical stimulus of competition outside the home. A girl must nowaways believe completely in herself as an individual. She must realize at the outset that a woman must do the same job better than a man to get as much credit for it. She must be aware of the various discriminations, both legal and traditional, against women in the business world. Ã¢â¬ ¢ ... now and then women should do for themselves what men have already done -- occasionally what men have not done -- thereby establishing themselves as persons, and perhaps encouraging other women toward greater independence of thought and action. Some such consideration was a contributing reason for my wanting to do what I so much wanted to do. Ã¢â¬ ¢ My ambition is to have this wonderful gift produce practical results for the future of commercial flying and for the women who may want to fly tomorrows planes. Ã¢â¬ ¢ In soloing -- as in other activities -- it is far easier to start something than it is to finish it. Ã¢â¬ ¢ The most difficult thing is the decision to act, the rest is merely tenacity. The fears are paper tigers. You can do anything you decide to do. You can act to change and control your life; and the procedure, the process is its own reward. Ã¢â¬ ¢ Never do things others can do and will do if there are things others cannot do or will not do. Ã¢â¬ ¢ Never interrupt someone doing what you said couldnt be done. Ã¢â¬ ¢ Anticipation, I suppose, sometimes exceeds realization. Ã¢â¬ ¢ There are two kinds of stones, as everyone knows, one of which rolls. Ã¢â¬ ¢ Worry retards reaction and makes clear-cut decisions impossible. Ã¢â¬ ¢ Preparation, I have often said, is rightly two-thirds of any venture. Ã¢â¬ ¢ Amelia is a grand person for such a trip. She is the only woman flyer I would care to make such an expedition with. Because in addition to being a fine companion and pilot, she can take hardship as well as a man -- and work like one. (Fred Noonan, Amelias navigator for the around-the-world flight) Ã¢â¬ ¢ A single act of kindness throws out roots in all directions, and the roots spring up and make new trees. The greatest work that kindness does to others is that it makes them kind themselves. Ã¢â¬ ¢ Better do a good deed near at home than go far away to burn incense. Ã¢â¬ ¢ No kind action ever stops with itself. One kind action leads to another. Good example is followed. A single act of kindness throws out roots in all directions, and the roots spring up and make new trees. The greatest work that kindness does to others is that it makes them kind themselves. Ã¢â¬ ¢ I lay no claim to advancing scientific data other than advancing flying knowledge. I can only say that I do it because I want to. Ã¢â¬ ¢ For the economic structure we have built up is all too often a barrier between the worlds work and the workers. If the younger generation finds the hurdle too absurdly high, I hope it will not hesitate to tear it down and substitute a social order in which the desire to work and learn carries with it the opportunity to do so. Ã¢â¬ ¢ Like many horrid children I loved school, though I never qualified as teachers pet. Perhaps the fact that I was exceedingly fond of reading made me endurable. With a large library to browse in, I spent many hours not bothering anyone after I once learned to read. Ã¢â¬ ¢ It is true that there are no more geographical frontiers to push back, no new lands flowing with milk and honey this side of the moon to promise surcease from man-made ills. But there are economic, political, scientific, and artistic frontiers of the most exciting sort awaiting faith and the spirit of adventure to discover them. Ã¢â¬ ¢ In my life I had come to realize that when things were going very well indeed it was just the time to anticipate trouble. And, conversely, I learned from pleasant experience that at the most despairing crisis, when all looked sour beyond words, some delightful break was apt to lurk just around the corner. Ã¢â¬ ¢ Of course I realized there was a measure of danger. Obviously I faced the possibility of not returning when first I considered going. Once faced and settled there really wasnt any good reason to refer to it. Poem by Amelia Earhart Courage is the price thatLife exacts for granting peace. The soul that knows it notKnows no release from little things:Knows not the livid loneliness of fear,Nor mountain heights where bitter joy can hear the sound of wings. Nor can life grant us boon of living, compensateFor dull gray ugliness and pregnant hateUnless we dareThe souls dominion.Each time we make a choice, we payWith courage to behold the resistless day,And count it fair. Letter from Amelia Earhart to Her Husband In a letter she gave to her future husband, George Palmer Putnam, just before their wedding in 1931, Earhart wrote: You must know again my reluctancy to marry, my feeling that I shatter thereby chances in work which means so much to me. In our life together I shall not hold you to any medieval code of faithfulness to me, nor shall I consider myself bound to you similarly. I may have to keep some place where I can go to be myself now and then, for I cannot guarantee to endure at all times the confinements of even an attractive cage. I must extract a cruel promise, and that is you will let me go in a year if we find no happiness together. About These Quotes Quote collection assembled by Jone Johnson Lewis. Each quotation page in this collection and the entire collection Ã © Jone Johnson Lewis. This is an informal collection assembled over many years. I regret that I am not be able to provide the original source if it is not listed with the quote. More Women Pilots If youre interested in Amelia Earhart, you might also want to read about Harriet Quimby, first woman licensed as a pilot in the United States; Bessie Coleman, the first African American to earn a pilots license; Sally Ride, the first American woman in space; or Mae Jemison, first African American woman astronaut. Ã More about women pilots is found in the Women in AviationÃ Timeline, and more about women in space in the Women in Space timeline.
Wednesday, May 13, 2020
Twelver Shiites, known in Arabic as IthnÃ Ã¢â¬ËAsharÃ «yah, or ImÃ miyÃ h (from Imam), form the principal branch of Shiite Islam and are sometimes synonymous with Shiitism, even though factions such as the IsmÃ Ã «lÃ «yah and ZaydÃ «yah Shiites do not subscribe to Twelver doctrine.Ã Alternate spellings includeÃ IthnÃ Ã¢â¬ËAsharÃ «yah,Ã ImÃ miyÃ h,Ã and ImamiyÃ . Twelvers are the followers of the 12 imams they consider to be the only rightful successors of the Prophet Muhammad, beginning with Ali ibn Abu Talib (600-661 CE), Muhammads cousin and son-in-law, and ending with Muhammad ibn al-Hasan (born 869 CE), the 12th imam who--according to Twelver belief--will emerge and bring peace and justice to the world, becoming the ultimate savior of humankind (Muhammad never appeared publicly and is currently considered in major occultation as the Mahdi). Sunnis recognize Ali as the fourth caliph, but founding commonalities between Sunnis and Shiites end with him. Some Muslims have never recognized the first three as legitimate caliphs, thus forming the nucleus of Islams protesting Shiites. The seeming subversion never sat well with Sunnis, whose habit it became to mercilessly and brutally persecute Alis followers and assassinate subsequent imams, most spectacularly among those the killing in the battle of HussaynÃ (or Hussein) Ibn Ali, the third Imam (626-680 CE), on the plains of Karbala. The killing is most famously commemorated in the annual rituals of Ashura. The copious bloodletting gave Twelvers their two most prominent characteristics, like birthmarks on their creed: a cult of victimology, and a cult of martyrdom. The Safavid Dynasty Twelvers never had an empire of their own until the Safavid dynasty--one of the most remarkable dynasties ever to have ruled Iran--was established in Iran in the 16th century and the Qajar dynasty in the late 18th century when Twelvers reconciled the divine and the temporal in the leadership of the reigning imam. Ayatollah Ruhollah Khomeini, through his 1979 Islamic Revolution in Iran, pushed the fusion of the temporal and the divine furthest, adding a layer of ideological expediency under the banner of Supreme Leader. A strategic revolutionary, in the words of writer Colin Thubron, Khomeini created his own Islamic state above Islamic law. Twelvers Today The majority of Twelvers--some 89%--reside in Iran today, with other large populations existing but being mightily oppressed in Azerbaijan (60%), Bahrain (70%), and Iraq (62%). Twelvers make up some of the most destitute populations in countries such as Lebanon, Afghanistan, and Pakistan as well. The three major legal schools of Twelver Shia Islam today include the Usuli (the most liberal of the three), the Akhbari (who rely on traditional religious knowledge), and the ShaykiÃ (at one time absolutely apolitical, the Shaykis have since become active in the Basra, Iraq, government as its own political party).
Wednesday, May 6, 2020
The brief was to create an integrated campaign that articulates the Ted Baker brand in one of these four categories; watches, eyewear, footwear and fragrances. Free to work in any media and it can be displayed in the store swell as in the public domain. Using the Ted baker logo within the designs, free to work in any style and using any media. We will write a custom essay sample on Ted Baker or any similar topic only for you Order Now The requirements for the brief were simply 4 posters relating to the certain category we had chosen. Anything else provided would be optional extras. These posters would support the brand and help push the boundaries in terms of styling, attention to detail and quality. Sources of research were initially just images online, billboards etc.. I found with Ted Baker that their advertising campaigns were pretty limited. In Cabot Circus thereÃ¢â¬â¢s a Ted Baker store with a few bits and bobs dotted around but they donÃ¢â¬â¢t sell glasses anyway so most of my research was left to depending on online resources. My research consisted of images with Ray-ban, their campaign Ã¢â¬ËNever HideÃ¢â¬â¢ is really well known and is very recognised, really different posters are designed which is shown in my research. My final ideas were very professional and I feel they related to the brand, I felt they were quite strong. Using Photoshop I played about with imagery and layers, I chose a few high resolution images which I overlaid and edited in Photoshop. Then I chose a border which I also overlaid and played about with, I wanted a grungey feel but at the same time I wanted it to be simplistic, similar to the work i would imagine Ted Baker to look like/And want to put up around shops etc.. After experimenting with backgrounds, I finally came up with one final browny/cream coloured type background with a black border, I then edited this in Photoshop and then played around with effects and eventually came up with inverting it and then playing about with the colours, finally I had a red, blue, green and black one. I then started playing about with vectors of glasses and chose 4 different pairs of glasses online and then drew around them with the pen tool. Initially I had live traced them and then live painted, but I felt drawing them with the pen tool was much more accurate and precise, it also meant it was easier to edit the colours if I did need to change the colours for whatever reason. I wouldÃ¢â¬â¢ve preferred to have the posters at a bigger scale, maybe A2 as I feel in a shop these would suit the shop more rather than an A3 poster, itÃ¢â¬â¢s not massively noticeable. I used bright colours which had been lowered in saturation so they didnÃ¢â¬â¢t stand out so much. I sed the typeface future which was the closest to the Ted Baker Logo typeface as I could get. I used 2 taglines; including Ã¢â¬Å"essential eyewearÃ¢â¬ and Ã¢â¬Å"eye candyÃ¢â¬ . I wanted to keep what I was saying professional. The posters all flowed and kept certain things the same, meaning the layout, typeface, background style and positioning of the text. Throughout this brief I took a different approach to how I would normally, I visited the Ted Baker sh op because the posters would be if printed, put up around the store in bigger. The targeted audience are lovers of glasses, Ted Baker or not. I wanted to keep a simplistic feel but at the same time make it very professional, which is different to a lot of the work I would usually produce. I learnt certain simple things in Photoshop which I didnÃ¢â¬â¢t know before, Ã¢â¬ËoverlayingÃ¢â¬â¢ etc. I feel I have successfully met the brief and produced some nice final outcomes which meet the requirements and are aesthetically pleasing. How to cite Ted Baker, Papers
Monday, May 4, 2020
Question: Discuss About The Probable Problems Are Quickly Identified? Answer: Introducation Audit planning is considered to be a vital area in auditing primarily carried out at the beginning of the audit to make sure that suitable attention is devoted to particular areas, probable problems are quickly identified. This aspect means developing a common strategy and a comprehensive approach to the projected timing, nature, and degree of the audit. The auditor often plans to do the audit in a timely and effective manner (Arens, Elder, Beasley, and Hogan, 2016). Generally, auditors design detailed procedures so as to obtain sufficient appropriate audit evidence. This assignment incorporates planning of the audit and having access to the preliminary trial balance sheet for Crimson Enterprises. The assignment extracts data from the company trial balance and identifies the accounts that are likely to require significant audit attention (Trotman, and Wright, 2012). According to the Crimson Enterprises trial balance, the selected seven accounts for audit that basically require attent ion are; Items accounts Current year Prior year % Change 1 Inventories 185,000 174,000 6.32% 2 Cash at bank 70,000 73,000 4.1% 3 Motor vehicles 66,000 66,000 0% 4 Accumulated depreciation (MV 27,940 21,000 33% 5 Accounts receivables 120,750 122,750 2.2% 6 Bank loans 230,000 230,000 0% 7 Sales 181,454 187,450 3.2% Illustration Crimson Enterprises 30th May 2017 1st July 2016 Revenue 181,545 187,450 Cost of Sale 55,963 63,595 Gross Profit 125,582 123,855 Other income - Interest 44 50 Other income - Fees 54,313 57,000 Total Income 179,939 180,905 Operating Expenses Bank charges 319 350 Depreciation 15,185 15,738 Interest expense 10,542 11,500 Printing 339 375 Repairs Maintenance 1,320 5,050 Wage 48,189 53,000 Superannuation 3,661 4,770 Total Expenses 79,555 90,783 Profit/(Loss) before tax 100,384 90,122 Ratio Formulae Current year Prior year Industry average 1 Gross profit margin = Gross profit/Net sales 69% 66% 67.5% 2 Quick ratio Cash + Accounts receivables + Current assets investment/Current liabilities 163% 160% 241.5% 3 Current ratio Total current assets/Total current liabilities 1.63 1.6 1.62 4 Debt equity ratio TL/Share equity 1.8 1.6 1.7 5 Inventory turnover COS/Inventory 30% 37% 33.5% 6 Assets turnover Sales/TA 34.8% 37% 35.9% 7 ROA Operating profits/Total sales 69.2% 66.1% 67.7% Analytical reviews The use of analytical reviews is considered to be one method of increasing the efficiency of auditors (Balaniuk, Bessiere, Mazer, and Cobbe, 2012). Analytical procedures often consist of evaluations of financial data made by the auditor of plausible and expected relationships among both non-financial and financial information. Accounts receivables Accounts receivable is another item that needs much attention when planning for an audit. This is because most of the companies may post some significant amounts of accounts receivables that do not exist and therefore may result in the company making unreasonable profits. The company Accounts receivables should be examined for existence and accuracy assertions. This aspect is important because some debtors may be overstated or understated and thus affects the company debtors. Debtors circularization will be done so as to determine the existence of the debtors and to confirm the amount owed to the company. The 1.65% increase from the FY2016 to FY2017 should be examined so as to ensure the accuracy of the amount posted and the reason that enhanced its increase (Arens, Elder, and Mark, 2012). Because of the riskiness involved, I recommend tracing receivables reports to general ledgers. The auditors should ask for a period end accounts receivables aging details from which they outline th e total to the amount in the accounts receivables accounts in the general ledger. I also recommend confirmation of the accounts receivables. A major auditor activity is often to contact the company clients directly and request them to confirm the amounts of unpaid accounts receivables as of the end of the reporting period being audited for possible misstatements. Bank loans When planning for an audit, bank loans should have much concern because of its riskiness in misappropriation. The amount of bank loans should be examined during audit. This aspect makes this item to require much attention so as to ensure that there are reasonableness and accuracy in the amount posted in the company trial balance. Phone calls should be made to the associated banks so as to determine the percentage used as interest rates and the existence of this loan in the company accounting records (Crowther, 2016). According to the Crimson Enterprises Company, FY2016 indicated that the company had bank loans worth 230,000 and the same amount in the FY2017. This amount should be examined to determine the accuracy of calculations and repayments as the major assertion. Basing on the riskiness of this item, I recommend the auditors to perform a walkthrough of the area to establish various roles in loan operations as this activity helps both new and existing auditors to update in future years (Cohen, Holder, Nath, and Wood, 2012). I also recommend reviewing and testing the process for detailing the origination fees and also reviewing and testing how loan documentations exemptions are reviewed and cleared by the company. I also recommend reviews and tests on reconciliation process for possible misstatements. Inventories Inventory is one of the areas that require more attention. This is because inventories often form a critical part of the company operations. Companies usually purchase more inventories then convert them into finished goods that are sold to customers for a profit. According to the Crimson Enterprises Company trial balance, the trial balance indicates that during the FY2016 the amount of inventories was 174,000 and during the FY2016, the inventory was 185,000. This aspect indicates that the company has a vast amount of unmovable stocks which is usually liability to the company. Reviewing the inventory, there was a significant increase in the amount of inventories by 5.9% which means that the firm did not make huge sales during the FY2016 (Chan, and Vasarhelyi, 2011). Basically, the degree of the analytical review needed often depends on the materiality of the items. After extensive observations, existence is one of the assertions in this area will require additional attention so as to attempt to determine the major reasons that resulted in the variations of the amount available in the bank. This item basically contains more questionable activities on the existence of the remaining stocks because I was able to carry out physically check on its availability. The company financial managers should provide the supporting data, and the quality of internal control systems in the company should also provide assurance, accuracy, and reliability of the accounts. When planning for inventories audit, I recommend that the auditor should perform a cut-off analysis where he or she will examine the company procedures for receiving new inventories into the warehouses. I also recommend that the auditor should observe the physical inventory count to determine existence. Sales Company sales are another item that needs much attention when planning for the audit. This item is selected because of the riskiness that may be involved when a corporation is in operations. This requires much attention because the company often convert its sales to either cash or credit (Gurov, and Milgunova, 2016). This is vital, and thus it requires proper analytical procedures to be done to determine its existence in the sales records. The company should also provide with supporting documents that show the movement of sales during the two fiscal periods. According to the Crimson Enterprises Company, FY2016 indicated that the company made sales worth 187,450 and 181,454 in the FY2017. The variations should be examined to check the reasonableness of the differences. Since this is one of the risky items when planning for an audit, I recommend the auditor to test the controls of the company set up for sales cycle so as to determine how reliable and strong they are (Knechel, Krishnan, Pevzner, Shefchik, and Velury, 2012). The auditor should determine if the financial statements amounts of sales and accounts receivables are accurate by verifying individual transactions for possible misstatements. Cash at bank Cash at the bank is another area in the company trial balance that requires attention. This aspect is because it is more at risk of misappropriation by the management. The managers can misuse the amount in the bank because of their easy accessibility. According to the company financial reports, the amount of Cash at bank at the FY2016 was 73,000 and 70,000 in the FY2017. This item also requires attention because according to the analysis, there is an indication that there was a 4.3% decrease in the amount available in the bank (Hammersley, 2011). This should be examined to determine if the company may have spent a lot of money that was available or there could be a possibility of misuse of the company resources. Carrying out substantial procedures of making several comparisons to prior periods should be done to ensure the accuracy of the amounts posted on the financial statements. This aspect is vital because it will enhance its materiality (Knechel, and Salterio, 2016). Basing on th e riskiness of this item, I recommend that the auditor should send the confirmation letters to banks to ensure year-end financial balance from third parties and also requests the company clients to provide their bank details for existence and confirmation. Motor vehicles Motor vehicles are another item that needs much concern during the audit. Motor vehicles item is at risk because most of the company management often use the company resources such as the cars for private purposes. Planning for this particular audit requires that the company provide the purchasing agreements and log books of the company motor vehicles so as to evaluate the amount it cost during purchase and attempts to compare the amount with the market value (Hellman, 2011). According to the company trial balance, there is an indication that the company machinery is valued at 64,000 as at 2016 and 71,000 at 2017. The 10.9% variations should be evaluated and determined so as to provide the actual amount it cost during the initial procurement. In this case, I recommend that the auditors should basically check at the motor vehicles log books to substantiate the amount indicated and perform a physical check for existence for possible misappropriation (Titera, 2013). Accumulated depreciation The actual depreciation of the company is another item that basically needs much attention because of its sensitivity (Messier, Simon, and Smith, 2012). This item is also selected because of its riskiness during company existence. The method used to determine the amount of depreciation should be examined to ensure that it is free from any manipulations. Planning for this audit will also require that the amount of accumulated depreciation should be calculated again so as to ensure accuracy. The 31.6% increase in accumulated depreciation should be determined and supported with reasonable evidence by the company (Hammersley, Johnstone, and Kadous, 2011). Basing on the riskiness of this particular aspect, I recommend that the auditor should verify the manufacturing, motor vehicles, and equipment different from the current assets for depreciation expenses verifications. The auditor should also compare depreciation expenses to determine possible misstatements. References Arens, A.A., Elder, R.J., Beasley, M.S. and Hogan, C.E., 2016.Auditing and assurance services. Pearson. Arens, A.A., Elder, R.J. and Mark, B., 2012.Auditing and assurance services: an integrated approach. Boston: Prentice Hall. Balaniuk, R., Bessiere, P., Mazer, E. and Cobbe, P., 2012. Risk based government audit planning using nave bayes classifiers. InAdvances in Knowledge-Based and Intelligent Information and Engineering Systems. Chan, D.Y. and Vasarhelyi, M.A., 2011. 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