Life Cycle Stages Essay Example for Free

Life Cycle Stages Essay There are four stages in the financial life cycle of an individual. The accumulation, saving, pre-retirement and retirement stages. Judging from the financial ratios of Winston and Yvonne, we concluded that Winston and Yvonne are in stage 2: the savings stage of the financial life cycle phase. This stage of the life cycle is usually characterized by the increase of assets, net worth and the decline in the use of debts, as by this stage Winston and Yvonne have already accumulated more assets over the years and would seek to protect their wealth and priorities and at the same time seek to be more risk adverse than before. People in this stage are usually concerned in saving for the future like children’s education, retirement etc. As the savings Ratio can be easily explained by the amount of money a person saves as a percentage of their total income. The level of savings as a percentage of Winstons and Yvonnes income is 60.41% as calculated is expected of the couple in their mid 30s falling in this stage of the life cycle as it portrayed high savings planning for the future of their children’s education. In the savings stage of the life cycle, we could expect an increase in net worth and assets as those had been accumulated before reaching conservation phases in that cycle. The increase in assets meant that Winston and Yvonne have a relatively high net worth as calculated at 74.51%. As Winston and Yvonne have a relatively high net worth ratio, their financial solvency is lower as most of their funds are being tied up with their fixed assets and their high net worth ratio also showed that their investments and commitments are being funded by debts and trade payables that are not proportionate. Winston and Yvonne might also face problems such as liquidity problems as their high ratio meant that they do not have immediate access to their cash. Therefore any decline in value of their investments or in any aspect that is relevant to their assets would cause them to have the inability to pay back their debt, thus lead to bankruptcy. Winston and Yvonne should seek to lower their net worth ratio by diversifying their funds in lesser fixed assets like property, home contents and education funds as lowering the ratio of their net worth would help them have more f inancial flexibility and ability to meet their financial payment obligations. http://smallbusiness.chron.com/interpret-assetstonetworth-ratios-57281.html. http://www.accountingtools.com/net-worth-ratio. As Winston and Yvonne are in their wealth protection phase, we explained that there would be an indication of a high net worth and a decrease in the use of debts. The debt Service ratio is the monthly debt commitments in comparison to total income and expressed in a percentage. In other words it is the ratio of the ability to repay loans over a period of time. If a debt service ratio is too high it would mean that one is too highly leveraged and has a high amount of loan and in the long run might run into difficulties in repaying off the loan commitment in the future. In this stage we expected financial prudence and a high risk adversity. The low debt service ratio of Winston and Yvonne at 14.21% indicated the low dependability on debt and increases their ability to service their debt, reducing the risk of them not being able to continue going in the long run. This could be expected of them as they are seeking to save for the future and make sure that they are able to service their l iabilities in the long run and not exhausted halfway through by limiting their commitments and slowly getting a debt free approach when it comes to their retirement. http://www.e-conomic.co.uk/accountingsystem/glossary/debt-ratio.

Insanity in The Tell-Tale Heart by Edgar Allen Poe Essay -- The Tell-T

Edgar Allen Poe's "The Tell Tale Heart" is a short story about how a murderer's conscience overtakes him and whether the narrator is insane or if he suffers from over acuteness of the senses. Poe suggests the narrator is insane by the narrator's claims of sanity, the narrator's actions bring out the narrative irony of the story, and the narrator is insane according to the definition of insanity as it applies to "The Tell Tale Heart". First, Poe suggests the narrator is insane by his assertions of sanity. For example, the narrator declares because he planned the murder so expertly he could not be insane. He says, "Now this is the point. You fancy me mad. Madmen know nothing. But you should have seen how wisely I proceeded-with what caution-with what foresight-with what dissimulation I went to work!" In addition, every night at midnight the narrator slowly went into the room of the old man. He claims this was done so wisely that he could not be insane. The narrator thinks that if a murder is carefully planned then the murderer is not insane. Also, the narrator claims he suffers from over acuteness of the senses. Regarding the sound of the old man's beating heart, the narrator says, "And now have I not told you that what you mistake for madness is but over-acuteness of the senses? --now, I say, there came to my ears a low dull, quick sound, such as a watch makes when enveloped in cotton". The narrator claims he is n ot imagining the sound but he is hearing it because his senses are so sharp. The narrator believes he is justified in killing the old man because the man has an Evil Eye. The narrator claims the old man's eye made his blood run cold and the eye looked as if it belonged to a vulture. Poe shows the narrator is insane... ...arly shows that the narrator is insane because he heard noises, which could not possibly have occurred. As the police officers were sitting and talking in the old man's chamber, the narrator becomes paranoid that the officers suspect him of murder. The narrator says, "I could bear those hypocritical smiles no longer! I felt that I must scream or die". The narrator is deluded in thinking the officers knew of his crime because his insanity makes him paranoid. In conclusion, Poe shows the insanity of the narrator through the claims of the narrator as to why he is not insane, the actions of the narrator bring out the narrative irony of the story, and the character of the narrator fits the definition of insanity as it applies to "The Tell Tale Heart". The "Tell Tale Heart" is a story about how insanity can overtake someone's mind and cause one to behave irrationally.

Toothpaste Research Proposal

DENTALCARE WHITENING TOOTH GEL RESEARCH PROPOSAL Table of contents: Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 3 Five The Pre-launch research is an important tool to manage and understand the impact of the market environment and the various other factors that decide the future of the product.When a product is launched, a research or analysis is required regarding the product functionality so as to estimate the benefits from the product and its attraction towards the consumer class or end users. A Product launch may prove a failure without any appropriate research or Pre-Product analysis. The following proposal is based on the research methodology implemented during the research proposal of a Tooth Gel. The current discussion will involve the describing of the various features and qualities of the Whitening Tooth Gel and also how to introduce the software in the competitive Oral Care market.We will al so discuss ways and measures that are taken to assure that the product reaches to every individual and they are benefitted with the product’s usage thereby bringing profits and goodwill to the organization. To summarize, the aim of this research proposal is to understand the market policy and strategy upon introduction of a new product. FIVE YEAR PLAN This Five year plan has been created by the founders of DENTALCARE to ensure a constant funding towards growth and to inform the employees of the company’s current status and direction.DENTALCARE with their CEO Mark Scott and the Marketing Director Thomas Lube is a new organization with high potential of providing exceptionally good products to its consumers and to capture on a big market share in the coming 5 years. They plan to start it with by introducing the product to the classes and then gradually reaching to the masses. The marketing environment has been very receptive to the firm’s great quality Tooth Gel a nd observing that, the firm can increase the promotion, distribution and production of its product in the coming years.DENTALCARE was founded by its two partners, Mr Mark Scott and Mr Thomas Lube around a year ago. Since then, both of the entrepreneurs have been studying and closely following the Oral Care market to understand the business strategies being implemented currently. They have also been keeping a close observation on the consumer behaviour towards a product and its changing approach on when and why to switch over to a different brand. Over the last few months, they have been working together to discover the ultimate Tooth Gel which will comply to the consumer expectations in every term i. e. uality, pricing and overall satisfaction. At present, Mr Mark Scott handles the position of the Chief Executive officer (CEO) and handles all the operations including R and D and Manufacturing whereas Mr Thomas Lube is the Marketing Director handling the Pre Product Projection in the market and Customer experience. Together they have come up with a new Tooth Gel called Whitening Tooth Gel and are ready to launch it in the Toothpaste/Gel market. DENTALCARE’s Whitening Tooth Gel comprises of 100% pure natural ingredients to provide complete Oral satisfaction and is an All-in-One solution to all the Dental and Oral problems.Major functions of this Tooth Gel are to prevent cavities, remove plaque and stains, fight against oral germs, strengthen enamel and teeth, prevent tartar, and provide long lasting fresh breath and much more. Ingredients like clove oil and mint give a really nice after brush experience that lasts longer. Moreover, the makers of this tooth gel have advised that the regular usage of this gel will reduce down the tooth decay by 65% in all age groups. The company has a dream to capture a big chunk of Oral Care Market share by introducing the product to both the classes and the masses.They aim for the product to be affordable by every individ ual and based on this expectation, their management have created a Plan that highlights their expected growth and sales number for the next 5 years. They do plan to introduce further new products once they have the consumer attention focused to their product. Below is their expected first Year revenue for their product Whitening Tooth Gel: Year One Expected Inputs|   | |   | 1. Expected Year One Revenue |   | | Whitening Tooth Gel| Annual revenue | AUD 300,000| |   | Total year one (noninterest) revenue| AUD 300,000|   | 2. Credit Loss Provision probability| 2%| |   | 3. Annual Taxation Rate| 24%| |   | Expected Growth Rate for the first 5 years: 3-7% UNDERSTANDING ISSUES This Tooth Gel research is based on a series of methods for conducting research in the corporate world. The Tooth Gel and Toothpaste market is captivated by various brands and their own mission statements. Famous brands among the consumers like Colgate, Oral-B, etc have a captivating hold on market du e to their own market strategy. Therefore, majority of them are successful to qualify the requirements of the customers.Whitening Tooth Gel has a strong focus on its objectives with those of its trade partners in an appropriate manner to maintain a healthy relationship. The Organization understands that the good results are produced when the process is rightly followed. Whitening Tooth Gel has also developed its company’s ethics and principle that relate to their consumer class. These guidelines provide a great impact in meeting business targets and is committed to its values thereby upholding its highest standards in maintaining customer relations.Whitening Tooth Gel is a new product by DENTALCARE in the current market. Hence the concern is that will a new product be able to grow and capture a significant share in the Oral Care Market. With proven results from pre-launch analysis, will it be easy enough capture the market once the results are seen on a real time basis i. e. response from the consumers. The company may emphasise on marketing research and analysis as to understand the consumer viewpoint on their buying strategy and behaviour towards a new consumer product. VALIDATING THE PROPOSED RESEARCHThe first question that arises is that how will a consumer respond to a new brand of an existing commodity in the market? When it comes to the purchasing, consumers often have an organized approach in what and when to buy. The company must come up with an innovative and almost perfect idea to strategize the marketing research when there are quite a few brands available in the similar product category. A thorough understanding of the consumer buying power and strategy is essential before launching the product. Thus the first task is to divert the consumer attention towards the product by advertising and promotional campaigning.Simultaneous emphasis has to be given to the consumer’s interest, requirements and their expectations from the product. Her e we see the implication of the Market research theory. Once sparked, the interest can lead to the beginning of a new relationship between the consumer and the company which becomes product driven. Once the decision is made by the consumer, it becomes a big responsibility of the manufacturing and research unit of the organization on keep up to the consumer’s expectations and sustains the consistency in delivering the best.The product distribution should be as good as its promotion and the product should be readily available to every individual. Product awareness is within the hands of the marketing and research procedures and largely contributes in providing the products to the majority of the masses. The consumers are not tied up with any contract with a certain brand. They stick to it as long as the brand sticks to its commitment. It’s easier to create a consumer relationship compared to maintaining it in future. RESEARCH METHODOLOGY AND DESIGNThis Methodology proced ure includes various sub categories such as phases, methods, technique task and tools. These sub-categories will highlight the following ways: * To introduce the new product in the existing market * To analyse and develop on the principles of methods and * To successfully validate it i. e. both scientifically and systematically. We followed Descriptive research process to analyse and understand the idea about the research proposal. The results however may vary depending upon a number of economical and ethical factors. The process helps a lot in enhancing the consumer feedback.Qualitative techniques can be performed on the selection of one brand over the other to obtain certain parameters which are of utmost importance in deciding for a Tooth Gel brand. Each key point can be utilized for further development of surveys. The research would most likely be a Brand equity research or Buyer behaviour research. Listed below are a few key questions to understand a consumer’s behaviour towards a newly launched product:. Questionnaire: 1) What Age group do you fall in? 2) Do you brush your teeth twice a day? 3) Are you branding conscious when it comes to buying? ) Why did you prefer Whitening Tooth Gel? 5) Are you satisfied with the product pricing when compared to the results produced? 6) Is there any room for improving the product thereby improving consumer experience? Listed below is the data of a few Blacktown residents who took part in the Sample survey by using Whitening Tooth Gel sample packs offered by DENTALCARE: Sample Frame: Residents of Blacktown NSW Sample Unit : Age Group 21-40 years Sample Size : 50 feedbacks Time Frame : 3-4 weeks Sampling Method: Random Survey. CONCLUSIONThe pre-launch analysis/research immensely contributed to understand the buying behaviour of consumer for their Toothpaste/Gel brands and also helped in understanding about the awareness among people on Oral health. Oral care is one of the most important factor in maintaining over all body health and people are very much aware about their product selection criteria. Different Toothpaste/Gel companies have a focus on the consumer class, their buying capability and their attitude towards preferring a Toothpaste/Gel brand over another and are working harder and smarter to attract more consumers by coming up with more improvements and innovation.The Pre Launch understanding of the Oral care market and the products available is the key result extracted from this research. This research has enabled the company to identify the key areas where the customer would focus when it comes to switching over to a new brand. This nature of customer shall help a lot for our Tooth Gel as Whitening Tooth Gel possesses all the qualities which customer want and is a perfect remedy for all kinds of dental issues. Simultaneously, Advertisements and Campaigning can be done in order to promote the product sales and inturn receiving better consumer experience.Since Dental awareness play s a vital role in overall fitness of human body, free dental check up camps and concessional services to elderly people can actually divert consumer attention towards a product that has already proven its worth on a real time experience. This will help in maintaining a healthy and long term relationship between an organization and the consumer class. References: 1) Australian Bureau of Statistics, viewed on 24th Nov 2012 : http://www. abs. gov. au/ 2) Toothpaste/ Gel, viewed on 24nd Nov 2012 http://www. herbalTooth Gel. et/ 3) Marketing Strategy Material, viewed on 24nd Nov 2012 http://futureobservatory. dyndns. org/2012. htm 4) QUCK MBA, viewed on 25th Nov 2012 http://www. quickmba. com/marketing/research/qdesign/ 5) StudyMode,viewedon2ndoct2012 http://www. studymode. com/essays/Tooth Gel-Marketing-Research-Proposal-800471. html? topic 6) Zeithaml, V. A. (1988): Consumer Perceptions of Pricing, Quality, and Value: Journal of Marketing, 52 (3) 7) Five Year Sample Marketing Plan refe rence from: www. iowacentral. edu/business/BCD/contests/MarketingPlan. doc

The Portrayal Of Black Culture On American Television Essay

Paying select attention to signs and images produced and presented by television media, this essay will analyze the portrayal of Black culture on American television and how it has been constructed based on the system of representation controlled and influenced by White ideologies of the â€Å"Other†. The 1980’s sitcom â€Å"The Cosby Show† will be referenced in representing the evolution of Black representation and the effect it had on audience’s interpretation of race and class structure. Representation and What it means According to Stuart Hall, representation means â€Å"using language to say something meaningful or to represent the world to other people† (1997, p. 15). Representations are essential parts in producing and exchanging meanings between people of certain cultures. These meanings depend on a system of concepts that shape and form the world around us based off of agreed understandings of images and words held by a community of people. Because we interpret the world in similar ways, people are able to build a shared culture of meanings that construct a social world. With representation, constructionists argue we use signs, organized into languages of different kinds, to communicate with others (O Shaughnessy Stadler , 2012, p. 406). Languages can use signs to symbolize, stand for or reference objects, people and events within reality (Hall, 1997, p. 25). Meanings are constructed through signifying practices (O Shaughnessy Stadler , 2012, p. 406), but we cannotShow MoreRelatedTelevision s Influence On Our Vision On Worldview And Culture877 Words   |  4 Pagesmodern times, television (T.V.) has become a crucial part of our everyday lives. One relies on T.V. for news, entertainment, and knowledge. Consequently, television impairs our vision on worldview and culture. Television has an impacted influence on our judgement; as a result, it causes us to think that we are knowledgeable about everyone’s ethnic background. 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Long Division, The Ideal Man Essay - 1456 Words

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4 Principal of Qualitative Characteristic - 1841 Words

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Empathy and Violent Video Games †Free Samples to Students

Question: Discuss about the Empathy and Violent Video Games. Answer: Introduction: Despite the breadth of study outcomes demonstrating a linkage between aggressions and playing violent video game (VVG), the findings on violent impacts sadly remain inconclusive. Not all the studies have discovered evidence for the connection between aggression and playing VVG in adolescents and children. Whereas some studies have shown the correlation, others have found no relationship between video games and aggression leading to the endless discrepancy (Elson and Christopher 65). While a considerable body of the survey illustrate findings are bolstering the association between violent video games and surged aggression, the discrepant outcome makes it quite challenging to hit a definitive position on this topic. So where why are the discrepant findings relating to the effects of video games? The present study aims at investigating the effects of video games on adolescents and children. This will be helpful in better understanding the influence of content of video games on electrical brain process of the children and adolescents, an area presently under-investigated. It proposes to study the brain waves based on quantitative electroencephalography (EEG), in children and adolescents playing violent alongside non-violent games to efficiently understand the physiological influence of both emotional and cognitive reactivity to the content of the video game (Happ and Andr 45). Additional information will be collected by probing adolescent brain activity on how video games feasible affect the process of development (Anderson, Douglas and Katherine 76). Quantitative EEG illustrates a method of brain activity quantification through algorithms to comprehend the spectral content if electrical signals of the brain. Works Cited Anderson, Craig A., Douglas A. Gentile, and Katherine E. Buckley.Violent video game effects on children and adolescents: Theory, research, and public policy. Oxford University Press, 2007. Elson, Malte, and Christopher J. Ferguson. "Twenty-five years of research on violence in digital games and aggression: Empirical evidence, perspectives, and a debate gone astray."European Psychologist19.1 (2014): 33. Happ, Christian, and Andr Melzer.Empathy and violent video games: Aggression and prosocial behavior. Springer, 2014.