Abstract This paper discusses some of the strategies that banks employ for customer retention and crossselling, and then takes a look at the expectations for the future in these areas.
From the Paper "Traditionally, banks got and obtained their customers through a combination of advertising, word of mouth, acceptable rates on saving and checking accounts, and sheer luck of geography. It was typical for a customer to choose a bank based on having a branch close to his or her home or otherwise easily accessible on the drive to work. Most customers stayed loyal to their banks, kept in the fold by a ceramic piggy bank or toaster when they opened a new account or took out a home loan; and they typically did all their banking with a banker their family may have known for years. Tellers were expected to be friendly, bank officers were not."
Abstract The paper maintains that Stott's book, "The Cross of Christ," is an important book. For those Christians who want to further explore the meaning behind the Cross and behind Christ's death, it is a thought-provoking resource. The paper explains how Stott makes a very good case for the Cross being more than simply important, but rather that it is a vital part of Christianity. Without the Cross, Stott argues that Christianity as we know it would not exist. The paper is of the opinion that after reading this book, it is difficult to argue with this perspective.
From the Paper "John R. W. Stott takes the position that the Cross is essential to Christianity. He makes his convincing argument by dividing the discussion into four parts, discussing the Cross as a symbol, the need for forgiveness, the spiritual benefits that the Cross has provided to believers and finally, on the practical and earthly teachings that the Cross can offer. Stott does not have all the answers on the subject of Christ's Cross. However, the book is a thoughtful and complex study offering suggestions on the subject of the Cross upon which Christ died. The Cross is important, Stott states, because it performs more than the single function of being the method of execution favored by the Romans."
Abstract This paper deals with the legal, medical and ethical implications of the sale of human organs from live people and the selling of cadaveric organs. The paper explores the opinions of those both for and against legalizing organ selling, as well as describing the current situation, and concludes that organ selling should be legalized.
From the Paper "Recently the topic of organ selling has become a popular topic for debate among bioethicists. As thousands of human beings continue to suffer, many people are beginning to explore the option of human organ sales; however, while there are those who argue for such an option, they must first consider those who stand by the government and completely abhor the idea. The arguments against the sale of organs are driven by the following concerns: it could exploit poor people who are willing to donate their organs solely for payment, it might favor the wealthy, and it could motivate families to withdraw treatment. Many ethicists also believe organ selling demeans the human body. They feel that if you allow organ selling to take place, the Nation's faith in human pride will be shattered. Those opposed to organ selling raise the issue that although a Market Economy is relatively beneficial, unless it is monitored correctly, our human rights, such as social justice, bodily integrity and political freedoms will be stripped away. The greatest fear among those who strongly oppose the sale of organs is that people may murder each other in order to obtain money for their victim's death."
Abstract This paper explains Wal-Mart's proprietary cross-docking system as part of a global supply chain management system. The paper describes advantages of the technique of cross-docking, how this innovation supports the replenishment of Wal-Mart stores.
From the Paper "Cross-docking is a relatively new and extremely effective technique used in global supply chain management. This technique can rapidly consolidate shipments from different sources and reduce the cost of outbound transportation by eliminating the inventory-holding function of a warehouse without hampering its consolidation and shipping functions. An important adjunct to the warehouse management systems now in use in many industries, Hill Fig cross-docking eliminates several intermediate steps in the warehousing process."
Tags:cross-docking, Wal-Mart, warehouse management system, global supply chain management
Abstract This paper discusses the relaxation by the Australian authorities of cross-media and foreign ownership laws. The debate seems to balance out as to the number of the pros and cons and the weight of the arguments of each side. However, sifting through the arguments the paper shows that they meet halfway on the need to protect media against excess concentration of power and foreign influence. On these concerns, the Australian government seems to draw lessons from the media liberalization programs of other developed countries, which are allowing cross-media ownership and foreign participation up to more manageable limits and only in specific media areas where activities are calculated to pose lesser risks. The paper concludes that the problem is that, despite these safeguards, people will always look at media deregulation with suspicion and misgiving because of the sensitive nature of this industry.
From the Paper "After Lord Morley left journalism to join government service in the early stages of the development of media in UK, there is an oft-quoted remark made to him by Kennedy Jones, co-founder of the venerable Daily Mail. "You left journalism a profession. We made it a branch of commerce," Jones told Morley. The equally famous rejoinder was: "The more, the pity." One view in effect exults that media has evolved into a business proposition, where profit takes precedence over its traditionally loftier priorities. The other opinion looks with sadness at such commercialization of journalism, implying that this is inimical to public interest.
That pithy exchange from the past captures the essence of the present-day debate in Australia triggered by the government announcement of plans to deregulate media after 20 years of controls on foreign ownership and cross-media transactions. The Morley-Jones clash of views between the public service and business orientation of media deferred to old UK conditions, but the same hairsplitting still rings true today and continues to reverberate throughout the world as economic opportunities diminish and competition for scarce resources tighten up. Since almost all sectors of national economies have been served up for foreign interests in the universal drive to generate much-needed foreign investment, governments in many parts of the world, both developed and underdeveloped, are fixing their attention on the media industry as the last remaining enticement for foreign investors. As Australian Sen. Ron Walker puts it: "Media has become the last major industry begging for reform to bring it to the 21st century." By inference, the senator is batting for a new scheme that would keep Australian media in step with the times by allowing foreign investment into the arena."
Abstract This paper introduces, discusses, and analyzes the topic of non-profit disaster mitigation organization. Specifically, the paper analyzes the American Red Cross including the mission of the organization, its involvement in recent disasters, and funding issues. The paper also examines the Red Cross's relief and disaster efforts.
From the Paper "The American Red Cross has been in existence since the nineteenth century. Organized by nurse Clara Barton, it has grown to be one of the premier disaster mitigation organizations in the country and the world. It is a non-partisan, humanitarian organization responds to all types of local and national emergencies, from families displaced by home fires to war and terrorism victims. Its mission is to step in during any time of disaster and provide food, clothing, shelter, and assistance to any victims of that disaster."
Abstract This paper reviews Richard Fletcher's book, "The Cross and the Crescent," which presents a history of the relations between Muslims and Christians. The reviewer sees Fletcher's work as coming at an opportune times, since today the West often feels a sense of hysteria regarding anything related to Islam. The reviewer sees the "The Cross and the Crescent" as providing important information about Islamic civilization and culture, presenting the Arab world in a more comprehensive way. The reviewer also describes the Muslim view of the Christian world, and concludes by citing Fletcher's opinion that both cultures influenced each other.
From the Paper "Fletcher's book focuses on the attitude that the Muslims had regarding to the Christians and vice-versa more than to purely historical aspects. For example, he pays not so much attention to the historical events of the crusades, but to the effect they had on the Muslim population. The book provides a valuable insight to Islam and to the relations between Islam and Christianity."
Tags:Cross, and, the, Crescent, Richard, Fletcher, Christianity, Islam, West
Abstract This paper is a critical analysis of cross-cultural politeness using the Brown and Levinson's model as a basis for defining and understanding politeness and applying it to three Asian languages: Chinese; Cantonese and Japanese.
From the Paper "What is politeness? If I propose that 'politeness' be used as pragmatically terminology, the preferable definition is to be found in appropriateness. It can be also said to be universal only in the sense that every society has some sort of norms for the appropriate behavior, although these norms are vary. The primary purpose of this paper is to provide a cross-cultural context by applying a well-known Brown and Levinson's model (1978 and revised in 1987), which has been applied in various settings, from casual services, encounters to EFL classrooms. However, Brown and Levinson's model (1978) has been criticized for being too geared to Western (especially American) notions of "independence" and, hence, for its limited applicability in Asian contexts. I have attempted in the following by first giving a general and brief account for Brown and Levinson's model (1978), and then try to apply and analyze the Brown and Levinson's model (1978) in three Asian languages: Chinese; Cantonese and Japanese. "
Abstract If the purpose of social science, at large, involves the testing of possible theories and models for social improvement, it will have to contend with what at first appear to be complicating factors in increased numbers of places and situations in which cross or inter-cultural dynamics are at work.
Abstract This paper analyzes Emanuel Leutze's 1851 painting "Washington Crossing the Delaware". The artwork is examined in terms of the subject chosen and how the artist used light, color, form, mood and symbolism to recreate the historic event on canvas.
Abstract This paper explains that, because the main product line of the Automobile Association (AA) of the U.K. has reached the maturity phase of the product life-cycle; a new advertising strategy, 'Just AASK', incorporating AA's entire umbrella of business products and services, allows the company to communicate a single streamlined message that addresses both new and existing customer concerns and creates new opportunities for cross sales from the core business. The author points out that the AA has a database including every customer who has ever inquired or purchased a product or service from the company, which can be analyzed to develop potential new markets, target groups and new products and to evaluate models for the 'Just AASK' campaign. The paper relates that the key of the 'Just AASK' agenda is to establish a direct marketing communications program that will increase revenue by increasing sales from existing customers; the acquisition strategy of choice for new customers will be a combination of 'Buzz Marketing' and 'Word-of-Mouth' advertising.
Table of Contents
Introduction
Communication and Customer Service
4 P's Approach
Database Strategy
Direct Marketing Communication Program for Existing Customers
Motor Section
Travel Section
Financial Services
Acquisition Strategy for New Customers
Motor Section and Travel Section
Financial Services
Conclusion
From the Paper "The majority of all business success revolves around attracting and retaining customers. "It is well recognized that a key issue in gaining brand awareness, trial, and subsequent loyalty is to reflect deep-seated values in advertising and augmented product offerings. When marketers address consumer values, target consumers sense that the product's purpose is to benefit their individual lives." The company will therefore seek to take advantage of its valuable customer databases by first enhancing this wealth of information and then creating new strategies for direct marketing communications with existing customers. The new marketing approach will also create viable means for acquiring new customers."
Abstract Intersis (HK) Limited, a local funded direct selling company in Hong Kong selling similar kinds of products as big players in the industry, will be at the edge of being eliminated if it is not able to counter such emerging critical competitive challenges. The strategies to help Intersis (HK) Limited survive are many and various, and they are addressed throughout the paper. In addition, organizational analysis and other company-related information is addressed in the literature review in order to show that there are many issues that Intersis must address. Furthermore, this study thus focuses on facing emerging threats, and what strategy locally-owned direct selling companies need to conduct to cope with them. This allows these companies to counter and overcome the challenges to continued operation in the industry, and hopefully also lead them into a new business era.
Outline:
Chapter 1
Introduction
1.1 What is Direct Selling?
1.2 Background of Direct Selling Industry in Hong Kong and China
1.2.1 Direct Selling Industry in Hong Kong
1.2.2 Direct Selling Industry in China
1.3 Statement of the Problem
1.4 Significance of the Problem
1.5 Hypothesis
1.6 Scope of the Study
1.7 Profile of Intersis International (Hong Kong) Limited
1.8 Aims of the Study
1.9 Objectives of the Study
Chapter 2
Literature Review
2.1 Michael Porter
2.2 Intersis and the Five Forces Model
2.2.1 Rivalry among Competing Firms
2.2.2 Potential Entry of New Competitors
2.2.3 Potential Development of Substitute Products
2.2.4 Bargaining Power of Suppliers
2.2.5 Bargaining Power of Consumers
2.3 SWOT Analysis
2.3.1 Strengths
2.3.2 Weaknesses
2.3.3 Opportunities
2.3.4 Threats
2.4 Business Ethics
Chapter 3
Research Methodology
Chapter 4
Findings and Analysis
Chapter 5
Conclusions and Recommendations
Bibliography
From the Paper "Multinational companies often come under scrutiny because they do not always use their power in the best possible way. They have a lot of clout in some of the countries they do business in, and this allows them to get privileges that they would not normally have in their home country. There are conflicting views about multinational companies. Some see them as a helping hand for rich nations to continue to enslave poor nations, but others see them as the last hope for world peace. Multinational corporations often have technology that is far greater than that of some of the countries that they sell to, and they are held in high regard. Often their products are bought, even though they are more expensive, because of the advertising campaigns they use in smaller, less developed nations.
"Multinational companies exist under diverse legal systems, and often what is allowable in one country is not allowable in another. If one country feels that a product is dangerous, but another country allows the product to be sold there, it is up to the company whether they are morally and ethically comfortable with selling a product they know can cause harm simply because there is no regulation against it."
Abstract The paper presents the thesis that Tim O'Brien's "The Things They Carried" depicts Jimmy Cross' journey from boyhood to manhood and reveals a character marked by youth's naivete, unshared love, war, death and the feeling of guilt. The paper discusses the common features he shares with other soldiers regarding his young age, his lack of experience and his misinterpretation of the war. The paper also considers the differences between Jimmy Cross and the other soldiers, Martha's mark on Lieutenant Jimmy Cross and how Lieutenant Cross copes with the death of Ted Lavender.
Outline:
Abstract
Similarity to other soldiers
Differences between Jimmy Cross and the other soldiers
Martha's mark on Lieutenant Jimmy Cross Lieutenant Cross' coping with the death of Ted Lavender
From the Paper "The Things They Carried is the first of a series of short stories that depict soldiers' lives during war times. The stories are based on author Tim O'Brien's own experience with war and his own charter is sometimes included in part of the writings. The short story revolves around a platoon of soldiers fighting in Vietnam and the things they carry with them (not only the actual things but also what they carry in their mind)."
Abstract This paper discusses the changing nature of the personal selling function, referring to the importance of organisations adopting a relational outlook rather than a traditional transactional marketing philosophy. It incorporates the contribution that personal selling makes in terms of achieving organisational objectives and the changing role of the salesperson. It also involves a brief discussion of the selling process and how knowledge of this can be utilised in order to influence the consumer decision-making process. It examines the main objectives that personal selling can achieve and the function of personal selling in terms of implementing marketing strategies.
From the Paper "The selling process has evolved in such a way that it has increased the importance of the sales team in the eyes of the buyer (Wotruba, 1980,). One of the biggest factors to have influenced the changing role of the salesperson is technological innovation (Anderson, 1996). Companies such as IBM have introduced electronic notebooks and electronic data interchange in order to improve communication between sales managers and the sales team. In order to define the changing nature of the personal selling function, it is necessary to distinguish the six phases of the selling process as described by Jobber and Lancaster (2000). The six phases are: the opening of the sale, need and problem identification, the presentation and demonstration, dealing with objections (although this can occur at various stages in the selling process), the negotiation, closing the sale and following up the sale. In relation to Noonan's (1998) statement, certain phases of this process will be of increased importance in terms of implementing marketing strategy and tactics at the customer interface."
Abstract A discussion of the human sexuality of cross-dressing as it relates to psychology. The paper investigates the findings published in several books and journals concerning cross-dressing. The research also focuses on the treatments that are available for individuals that cross-dress and their families. The paper begins by defining cross-dressing and the psychological factors that can lead to the behavior.
From the Paper "Defining Cross Dressing can be a rather arduous task because it is a complex subject. One of the main topics that come to mind when addressing the subject is gender identity. (Bullough) A book entitled, Cross Dressing, Sex and Gender, explains that gender identity ?is the total perception of the individual about his or her own gender. It includes a basic personal identity as a boy or girl, man or woman, as well as personal judgments about the individual's level of conformity to the societal norms of masculinity and femininity.? (Bullough). The author goes on to explain that gender roles or the way that men and women are seen in society, can also contribute to cross dressing behavior."
