Article Writing - How to Write Articles For Money Online

Article Writing - How to Write Articles For Money OnlineWriting articles can be a good way to earn money and you don't need to be an expert in order to start. You just need to know how to write effectively and stay focused on the idea or subject you are writing about.The first thing you need to do is figure out what kind of article you want to write. Many article writers find that they make the most money when they are writing primarily marketing articles. This is because they need to convince people to buy their products. They need to create content that is interesting and easy to read.A good idea is to write as many articles as possible that are targeted to the niche that you are writing about. This way, you can see how much you will be earning from each article.When you begin writing your articles, remember that you need to use the title of the article as the lead in to the rest of the article. If you do this, it will help you increase the success of your articles. It will also he lp you organize the topic of the article so that you don't forget anything.Learn as much as you can about writing. Learn from other writers and how they accomplish their writing. There are many resources available to help you learn how to write effectively. Some of these resources include writing seminars, online forums, and training programs.Before you begin writing, you should always have a purpose for your article. Keep your objective in mind so that you can stay focused and deliver a good piece of writing.You can also find freelance articles to write for other websites and companies. You should keep in mind that if you are using another person's name in your article, it is not copyrighted and therefore you can have the copyright back. When youare ready to write a complete article, you should consider hiring a ghost writer to do the work for you.

Study On Raising Awareness About Microfinance Finance Essay - Free Essay Example

Sample details Pages: 7 Words: 1979 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? The organization involved in microfinance should raise awareness in the community about microfinance and its utility through community meetings, print and electronic media.awareness should also be raised among govt. agencies and other stakeholders to create recognition of microfinance services by lobbying and advocacy. 6.1.2 Capacity Building The organization should train the front line staffs, who are involved in services delivery, who further train the local leadership at the community level to ensure participatory development process. Training should also be given to the borrowers to help them run their enterprise efficiently and profitably. Don’t waste time! Our writers will create an original "Study On Raising Awareness About Microfinance Finance Essay" essay for you Create order Leadership and Motivation Dependency on leadership should be minimized at operational level with proper monitoring in place. The leadership should keep the staff motivated through incentives based performance appraisal. 6.1.4 Market Linkages Access to the market for the microfinance clients should be ensured. This could be both for purchase of raw material and sale of finished goods of small enterprise being financed through microfinance. 6.1.5 Non interest based / Islamic mode of financing Developing new products based on Islamic mode can ensure acceptance of the microfinance programs in communities where the problem of self-exclusion exist. This should be initiated both by govt. and the organization involved. 6.1.6 Diversified Needs of Community The products should be developed according to the needs of the community. One product can not serve different communities because of the diversified needs and economic and demographic conditions. 6.1.7 Savings The organization should mobilize the community to create the habit of savings for future needs. Savings can make a community group independent in lending. 6.1.8 Clarity in vision The microfinance programs should have a clear vision regarding its target groups especially where there are integrated programs. The donors should also fund such organizations that are clear in its vision and services delivery model. 6.1.9 Research and Development The organization should initiate the RD to keep service delivery model and products and need based. The donors should also have RD initiatives to specify funding for products and not for general programs. This will help more focused programs rather than a haphazard program 6.1.10 Human Resource Development Being in the service industry, the microfinance organization should build their human capital for effective service delivery. There should be proper recruitment procedures and career development plans for employees for motivation, efficiency and retention. 6.1.11 Management Information System A proper management information system should be design or all microfinance organizations to ensure uniform and proper data maintenance and reporting. It will also ensure proper monitoring and data cleaning at all stages. 6.1.12 Lack of awareness among government agencies The policy makers at government level are unaware of the importance of microfinance in economic development. They should be oriented through literature, seminars, workshops and exposure visits. 6.1.13 The donors / funding agencies should fund the organization for its capacity building and should push them to work in areas where it needed. It should also push them to conduct need assessment surveys before starting activities in a locality. The survey will also help in developing need-based products and it will be easy for donors to fund for specific products, which will further help in monitoring and impact studies. 6.1.14 The Bank of Khyber with the support of the provincial governments should expand the microfinance scheme up to a desirable limit and streamline the affairs of the current credit operation. The existing loaning system should be revised and improved. The potential cluster/sub sectors for micro finance should be investigated for future operations. 6.1.15 The Bank of Khyber should undertake the cost benefits analysis operation of the micro finance operation in area and should ensure/pursue due compensation for the efforts involved. The area is more viable than commercial operation and can be lucrative at some stages for the bank if properly attended and managed. 6.1.16 The micro finance department of the Bank of Khyber should be re-organized, equipped and strengthened so as to undertake the expand activities in a good manner. 6.1.17 The Bank of Khyber should directly attract international donors for the microfinance programs in different sectors and sub sectors proposals should be launched to the various donor organization through the world. 6.1.18 The Bank should be associated and registered with renown/reputable micro finance organization of the world and their expertise availed. The capacity of the bank is developed to offer advisory services alongside micro finance operations. 6.1.19 The micro finance programs should be properly popularized so that the potential respondents and concerned public/private organization should come forward and promote the micro finance scheme in the target areas. 6.120 The Bank of Khyber required arranging some programs for the women to Become aware from the benefits of this micro finance and deal in the future. 6.2 FINDINGS 6.2.1 Issues related to Governments agencies, Central Bank and Donor were identified as 1: The contribution that microfinance can make towards poverty alleviation and economic development has been recognized yet. 2: Governments agencies and donors/funding agencies do not have a clear vision of the potential of the sector and hence no long-term growth strategy has been developed. 3: Donors prefer to fund big institutions, because of financial viability and organization strength. But most of these big institutions are working in selected areas of the country and the problem of up scaling of out reach is still there. 4: State resource i.e. Zakat and Bait-ul-mal are not being utilized for microfinance. These resources, if canalized properly for microfinance, can add more value than giving it in charity. 6.2.2 Issues related to Microfinance organization were identified as 1: Organization is not mission focussed, especially where there are integrated programs 2: The operational cost is high while organization has a limit to give subsidy. 3: The investment in human resources is very nominal. Organizations find it hard to retain staff because of thee absence of staff career planning and development. 4: Very organization has institutionalized their system and procedures, rest are driven by single leaders who, in most cases have no succession plan. 5: There is no research and development to identify the changing needs of the clients to develop products according to their needs. 6: Most organization have concentrated in urban areas as the cost of delivery is relatively low as compared to rural areas, but there are no need assessment surveys. 6.2.3 Issues related to the target clients were identified as: 1: Lack of awareness of micro finances institutions among then people. 2: Miss-utilization of borrowed money -Responsibility 3: Poor entrepreneurial skills to manage the enterprise. People know what enterprise to start or what activity to carry out but they lack resource management skills. 4: Self-exclusion is another constraint in scaling up of microfinance services , as some people do not accept interest based loans due to religious factor. 6.3 CONCLUSION Microfinance in its broadest terms can be defined as provision of a range of financial services such as deposits, loans, payment services, money transfers and insurance to poor and low income households, and their micro enterprises. Primarily, the microfinance customers are large in number, scattered in far-flung areas with very minute transaction sizes. Only government or state bank alone cannot reach out to millions of potential Microfinance beneficiaries; a whole well knitted network with almost doorstep reach is required, which is only possible when the commercial banks will be involved in microfinance Micro Finance has proved to be one of the most effective tools for facilitating socio-economic development through increased access to financial services.The main objective of the micro finance is to improve the access of target households and entrepreneurs to credit facility in income generation activities and micro enterprise. The improved access to credit would enable the e xpansion of existing and establishment of new business activities and enterprise resulting in higher level of income and employment. While a commercial bank is a financial institution that offers a broad range of deposit accounts, including checking, savings, and time deposits, and extends loans to individuals and businesses. The Bank of Khyber (BOK) has actively sought highly experienced staff from the development sector as resources for its microfinance unit. In this way it has combined local development knowledge with the strength of a commercial bank. The micro finance scheme offered by The Bank of Khyber timergara improve the life of the people of the dir area which is backward area and it was a very good opportunity for the citizen of the district dir who take the advantage of the facility. The Bank of Khyber was in a strong position as compared to the other commercial banks to other banks in the district dir to offer micro finance facility as they have establish their m arket during the period and have experience. The main credit scheme has enormous impact on the socio-economic interest condition of the target group and the scheme has uplifted the socio-economic interest of the target economy. There is a potential of expanding the micro finance scheme many times of the existing quantum, which needs to be prudently, captured. The loans establish and improve many trading and servicing organization in the vast majority.The microfinance initiative has received an overwhelming response from the respondents. There is need to extreme line the existing and expand the scheme up to a desirable extent in an effective and sustainable manner. The borrowers taken the microfinance loans from the bank of Khyber branch were more but we select 25 borrowers from the whole population, in this 25 respondents about all were male, there were no female because of some problems and limitations, the age of these respondents were different from 18 years top above than 60 years, their education were also different some have primary, middle, high and some were F.Sc by qualification there economic resources were also vary such as business, agriculture land ,transport and livestocts etc, the nature of their business were also of retailing, wholesaling and offering services, these people has been taken the loan for different purposes i.e. starting of new business or expanding and for stability of the existing business.We also find monthly income profile before and after borrowing the increase in the profitability of the respondents which was increased due to microfinance loans of The Bank of Khyber and the loan disbursed by the BoK to the people were of different range from 50000 to about 200000 were given to the people of the area at the mark up rate of about 14% which was affordable for some people and some it is for them , the loans were given to the people on some terms and conditions this was also difficult for about most and also it was not a pr oblem for some people, but this microfinance improve the life of people from about every side. Access to financial services significantly impacts the lives of the poor, the challenge is to mobilize this knowledge and apply it on a much vaster scale Microfinance is a viable tool for poverty alleviation and economic development. The environment of Pakistan is suitable for microfinance both in social and commercial sector terms but ample attention has not been given yet to this sector, which has leaded to insufficient resource allocation to this powerful tool of poverty alleviation. In NWFP with most of its population living in rural areas, the poverty level is the highest i.e. 31% urban and 44% rural, which indicates more need of microfinance programs. Unfortunately the pace of progress is very slow in terms of outreach, which has contributed to unemployment and underemployment. Unemployment and underemployment leads to economic chaos and the gap between the rich and poor is widening. This gap leads to frustration and ultimately damages the social fabric of the society. Sustainable development needs balanced and participatory economic and social activities, which can be ensured through effective community mobilization, capacity building, creating conductive environment for economic activities, developing linkages with the service providers and financial assistance for the meeting the capital requirement for business activities because stakes of the majority will be involved and according to Mark twain when you find that you are on the sides of the majority, it is time to reform

Creation and Evolution, which do you believe Essay

When thinking about the origin of life, there are two main points one can come to, Intelligent Design or Natural Process (Ken Ham, 2008). â€Å"According to the former view, supernatural intervention was essential for the creation of life; according to the latter, living organisms could form spontaneously—for example, from the mud of the Nile† (Encyclopedia of Philosophy, 2006). Creation can be defined as the original bringing into existence of the universe by God (â€Å"Creation†, n.d.). Intelligent design can be defined as â€Å"certain features† (Ken Ham, 2008). Intelligent Design can also be explained by finding features of the earth and explaining them by an intelligent cause (Intelligent Design, n.d.). Creationism usually starts with religious†¦show more content†¦Origin of Life Many Christians believe in the fact that there is an intelligent designer who created the earth and the species that inhabit it (Patterson, R, n.d.). There are no t rue accounts or eyewitnesses of the creation of origin of life (Patterson, R, n.d.). The Bible is one of the ways people account for the creation of species, resulting from an intelligent designer (Patterson, R, n.d.). For a Christian how life came to be is nothing to worry about, the bible clearly states that God called all animals, plants, and human to be in his likeness. An example of natural selection that evolutionists would use if is someone had a half eye, what is the use of a half eye? (Leone, B. 2002). How could natural selection use an eye that is nowhere near to perfect, basically a flaw (Leone, B. 2002). This would suggest of a perfect system, something that could not fault and would have no faults in it (Leone, B. 2002). If there was such a complex and perfectly designed system against evolution if would provide a huge problem (Leone, B. 2002). God gave breath to him and gave him life (Origin of Life). Some could say that Adam, since he was created from the dust of grou nd would say that he came from a non living organism as evolution would want someone to think. â€Å"For in six days the LORD made the heavens and the earth, the sea, and all that is in them, but he rested on the seventh day. Therefore the LORD blessed the Sabbath day and made it holy† (NIVShow MoreRelatedThe Scopes Trial And Creationism1053 Words   |  5 PagesCreationism and Evolution have always been a topic in America since the Scopes Trial. The Scopes Trial took place in 1928 when the Supreme Court was deciding whether schools should teach Evolution or Creationism. The foundation of evolution is based upon the belief that the origin of all ordered complex systems, including living creatures, can be explained by natural laws without the intervention of God. In that trial the Supreme Court came to a conclusion that Evolution was banned and that creationismRead MoreEvolution Vs. 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Charles Darwin founded the theory of evolution. It was first called Darwinism. Evolution explains the Big Bang and how everythingRead MoreCreation or Evolution of the Earth1652 Words   |  7 Pages Was it creation or evolution? That is the question that is more popular today than ever. There are many different theories to the creation of the earth and the development of man. The big question is which one was actually true. Scientists will tell you evolution is how man was created. Creationists or Christians will tell you that creation was how man was created. Which group of people is right? There is a bill in Texas State Congress over a new proposed set of guidelines for teaching biologyRead MoreCreation: Scientifically Proven? Essay1537 Words   |  7 Pages An atheist is someone who does not believe in a God or creation, but this leads to a sort of problem in beliefs throughout the world and it attacks past heritages and religions. Is there not a God and if there was, can it be scientifically proven? With this concept in mind scientist can make a new set of theories in Macroevolution, which is the study of evolution in large portions such as the universe. With this, we find all sorts of ideas but no proven answers, as there is small evidence to theRead MoreThe Life Of Charles Robert Darwin s Theory Of Biological Evolution1612 Words   |  7 PagesEVOLUTION RESEARCH PAPER Bushra Alkarmi – 9th grade I. Introduction Charles Robert Darwin (born 1809; died 1882) was a British naturalist, geologist, and biologist. Darwin defined evolution as descent with modification based on the idea that species change over time giving rise to new species that share a common ancestor. In 1837-1839, Darwin proposed the theory of biological evolution by natural selection. 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Although throughout history there are many instances of conflict between people, science, and the Catholic Church, there has recently been a widespread acceptance for science and many even say it does not interfere with the Judeo-Christian view of god as the creator. This essay will discuss the different typesRead MoreCreation or Evolution - Let the Children Chose Essay1349 Words   |  6 Pageschoose to do just about anything and anywhere. There is however a place where most of the American children have no choice at all, what to believe when it comes to science. It is a mystery among men, the question that has every person in the world wonder, â€Å"Where did it all come from?† Over the last forty to fifty years , the United States Government has decided to separate church and state, so why is evolution taught? Evolution is a religion, it is not science. The scientific method which is used toRead MoreCreation and Evolution Essay979 Words   |  4 PagesCreation and Evolution Two of the main aspects about our reason on this highly sophisticated universe. No one knows which theory is the right one. It has been a mystery for many years to all mankind. Who knows how long until the mystery is solved. Your view could differ from many others around you. This is my view†¦ CREATION Creation focuses on one point: God. The Bible and the Qur’an are the best source for this topic. Christian creation ------------------

Effects of Consumer Behavior on a Product

Question: Discuss about the Effects of Consumer Behavior on a Product. Answer: Introduction Retailers often think that the buying pattern of customers is very random. They think that the buying pattern of the customer is straightforward, they purchase the product or they do not. The customers approach the product market with a straight mindset, which is to try out the product and then buy it (Solomon, 2014). The satisfaction derived by the customer depends on trying out various products for the same purpose and then buying one. However, in practice the process of purchasing is just one step and the real process consists of six stages which help the buyers and sellers to benefit equally. Whenever a problem arises for a customer be it for goods or services they need to identify the product that will solve their problem. The reason should be clear to them as to what is the requirement and from where to procure it. However, if the need varies from the problem then the customer needs to set his priorities again. When the customer gets hold of his problem, his quest for the product begins. When they get hold of the issue, soon afterwards they start looking for the solution at their specific budget. The point of view of the customer is always straightforward (Pinto et al., 2015). The customer will then try to look for some alternatives as to try out different options that may fix his problem. In the present market conditions, where the customer is left with many options to choose from, he will go for the best alternative product that is available at the best possible price. The decision to buy the product comes after thorough research that the customer does while trying to figure out the best product. After exploring the market, the customer has a set mindset on what product to buy and at what price and to proceed with the purchase or not. As soon as the product is final and the decision is made on purchasing the product, the customer purchases it from the dealer. This is one of the important stages of marketing. Soon after the purchase is made, the relation of the dealer and the customer does not end. In order to hold on the customer, the dealer has to keep a check on that customer timely. If the customer is not satisfied with the product, then the dealer needs to work on an exchange program or replace the product to gain the trust of the customer (Bruner II Pomazal, 2013). Social Factors Affecting Consumer Behavior The social factors are the ones that are present in the society where the consumers live. Since a society comprises of individuals who have different tastes and preferences, the consumers are open to a varied number of choices. One of the major influences on the consumer is that the preferences and behavior pattern of a family. Since the individual grows and develops the tastes within the family, his consuming pattern also depends on this factor. There are two types of families, the first is where the consumer is born and develops which is known as Oriental type of family, the second is where the individual himself creates a family that consists of spouse, and children know as the Procreation family (Goh, Heng Lin, 2013). Another type of social factor is the reference group where the individual becomes a member of a particular group. The buying pattern of a consumer gets strongly influenced over each other in a group. Here the initiator initiates what product to buy, the influencer gives his necessary inputs to influence others in buying the product, and the decision maker takes the final decision as to what product to buy and finally the buyer who purchases the product who takes all the consideration in to account (Hugstad, Taylo Bruce, 2013). The third type of social factor is the status of that individual. The individual will purchase only those products that will define their status in the society. The dealer needs to understand the position the customer holds in the society and be prepared with that type of products which will suit him (Javadi et al., 2012). Cultural Factors Affecting Consumer Behavior These factors are the one that an individual acquires during the course of his life time through their family or other institutions. The preference pattern and perceptions develop over a period as and when the individual grows. Culture is defined as the custom or tradition an individual follows. As and when the individual grows up and acquires the knowledge of buying and to take decisions, which is good for the person (Leonidou, Leonidou Kyasova, 2013). Cultural practices vary from place to place and are different on a global scale. Culture can further be divided into subculture where the basis of culture narrows down to specific beliefs. It depends on the region, religion and the country from where the individual belongs. The various sub cultures has to be taken into account by the marketer before selling his products (Schiffman et al., 2013). The social class also influences the pattern of buying of an individual. The society is divided into upper, middle and lower class. The individual belonging to any of that section shares the same interest that the other person also has. The upper class people will buy lavish goods and can afford to pay whereas the middle class family will have necessary items more and less of luxury products. The lower class will only have the necessary products as they can only afford that. These are some of the factors, which influences an individual in the decision of buying products culturally (Solomon, Russell-Benett Previte, 2012). To understand the marketing mix properly, an example of one of the largest dairy farms in Australia has been taken, Fonterra and the product being TIP TOP Berry Ripple ice cream. They supply to more than 140 countries and has farmlands globally. They employ around 16,000 people to manage their large farms and produce one of the best qualities of milk products. They apply various marketing strategies so that their products are available without any difficulty to their customers through local dairy shops and also through the supermarkets. Pricing It is one of the most important factors in the marketing mix as the organization earns revenue based on its pricing of the product. The pricing policies constantly change depending on the shares in the market and the factor of fluctuation being present (Goi, 2015). Fonterras TIP TOP berry ice cream was priced at $4.99, which helped them, capture the market on the first hand ("Fonterra - Our Brands", 2016). Once the market is captured they will increase the price as that will give them the competitive edge over others. Consumers will pay more for that product as they got a taste of it and think that the product is superior to the ones available in the market. Product The ice cream provided by TIP TOP proves out to be beneficial for people of all ages. It has all the valuables that milk contains in a tub of ice cream that everyone likes, unlike milk, which may not be liked by certain people of the society. The product has no artificial ingredients, there is no adulteration, and the percentage of fat is very less ("Fonterra - Our Brands", 2016). The sugar content of the product is also very less thus making the product very healthy and enjoyable. Place The manufacturing of the ice cream takes place in the factory where it is stored in big tubs and cones of all different types. After the completion of the product, it gets packed and transported to various wholesalers and retail outlets in and around Australia through trucks. The store then via word of mouth policy ensures that the consumers are aware of the availability of the product. Promotion It is the strategy that the company undertakes to communicate the presence of the product to the target market. Promotion involves the process of awareness created by the company to its customers as new goods are always available in the market on a daily basis. Promotion helps in identifying the product and the company that is there in the market to its target customers. It also shapes up the demand supply chain of the product and highlight the product when any customers enters a shop (Tapp Spotswood, 2013). The promotional activities taken up by TIP TOP are through ads and free sampling of the product. The advertising medium used by TIP TOP is mainly restricted to billboards in bus stands and through television. Since the mark audience is mainly children, so the use of newspapers will be an added cost to the company as children do not read papers ("Fonterra - Our Brands", 2016). So in between, any cartoon program an ad of some seconds can leave a lasting impression of the product in the mind of the child. The logo used by the company also states that on a hot summer families are spending time with each other also have an impact on many families. The promotional method that the company uses is that for every goods worth $10.00 or more, the customer will receive an additional one point as benefit. This type of promotions helps the brand to be recognized amongst the people. Frees samples are also provided in the sampling points that are available in the stores or on a beach on a hot day also helps in brand recognition. Public Relations Sponsoring social events is an useful way of creating brand awareness and brand image of the product. TIP TOP contributes 1% of the sales for every trumpet that is sold in the country and 2% of the sales is contributed to social events and charities on the sale of 2-litre tubs of ice cream ("Fonterra - Our Brands", 2016). Communication and Coordination The status that a company achieves in the market is because of a good workforce that prevails inside the company (Khan, 2014). Fonterras process includes the human resource management (HRM), research and development (RD), and the secretarial teams that make this brand worthy to its customers. The HRM team focuses on the hiring and directing of the employees to get a better output. the team recruits the best possible employees that are available and guides them through various training processes which help them in understanding the product and manufacturing it. The team looks after the organizational structure, benefits and employee motivation so that the employees have a healthy environment to work in. The team hires best in class web designers so that the products of Fonterra are available online for the customers to get access ("Fonterra - Our Brands", 2016). The RD team is of great importance as they keep a track on the competition and the manufacturing processes. The team keeps a regular check on the ads that are being published so that rival companies do not manufacture the same product. They also provide feedbacks and thoughts about how to improve the products depending on the change in the preferences of the consumers. This team looks after all the needs of the consumers and the marketing factor ("Fonterra - Our Brands", 2016). Communication is also an important part to influence behavioral patterns in a company. The channels of communication can be messages, calls or emails. For the communication to be effective, an appropriate medium needs to be taken so that the message reaches without any delay (Cross, Belich Rudelius, 2015). Fonterra uses messages, emails, videos and power point presentation as a means of effective communication. Market Segmentation used by Fonterra Fonterra has one of the best market segmentation strategies. They have segmented their market specifically according to age. Since all age groups like ice cream the company tries to attract people according to their ages such as young children likes some good, new and refreshing flavors while the adult generation may try to try out some new flavors (Wedel Kamakura, 2012). The older generation will always go for their old time classics what they used to enjoy in their young ages. TIP TOP ice cream also conducts small interviews with their customers when they come to buy product as to what new products or flavors can be done to be the crowd favorite. They take qualitative feedbacks from their customers, which help them to make the product better while staying in the same price range (Baker Saren, 2016). Since customer loyalty plays a big part in the company they give bonus points to the customers who buy products worth $10.00 or more. This is a tactic that they use in order to retain their customer base and also earn more customers. Target Market of Fonterra While selecting the target audience of a product by the company, they have to choose whether the company will be focused on one group or it will be available for all types of groups living in a society (Hennart, 2012). Due to a vast customer base of Fonterra, the expert team manages the target audience very wisely. The monetary profits that the company will gain by selling TIP TOP are well executed by the marketing plans that the company sets and even exceeds the pre-planned profits because of the accessibility that the brand created in the market (Aghaie Alimardani, 2015). Almost all customers have access to the brand wherever they reside in the country. Targeting young ages often includes the entire family coming in and the customer base just gets larger with each passing day (Brantingham, 2013). Conclusion Ice cream industry is one of the oldest yet the most creative industry in the present world. The change in the preference of consumers, the impulsive decision to purchase, availability of the product if it is seasonal and high competition of prices are the prime factors that the demand of the consumers keep on changing. Identification of the brand is very much required for the product to capture the market (Mullen Johnson, 2013). Children need to be aware of the brand and the flavors of the ice cream because they are the ones who will influence their friends and their families. Advertising the brand is also required in order to make a base in the market and that people will want to taste their quality. Advertising helps in creating awareness of the product and the preference of the consumer can be judged (Juster, 2015). The goodwill of the brand depends on how well the market is coping up with the presence of the brand. In the present situation, internet plays a huge role in develop ing the brand. Fonterra uses the internet very wisely and the products are very well within the reach of the customers. They do not want their customer base to leave them and shift to another brand due to the non-availability of the product on the internet (Reny, 2015). Reference List Aghdaie, M. H., Alimardani, M. (2015). Target market selection based on market segment evaluation: a multiple attribute decision making approach.International Journal of Operational Research,24(3), 262-278. Baker, M. J., Saren, M. (Eds.). (2016).Marketing theory: a student text. Sage. Brantingham, P. J. (2013). The theory of target search. Bruner II, G. C., Pomazal, R. J. (2013). Problem recognition: The crucial first stage of the consumer decision process.Journal of Consumer Marketing. Cross, J. C., Belich, T. J., Rudelius, W. (2015). How marketing managers use market segmentation: an exploratory study. InProceedings of the 1990 Academy of Marketing Science (AMS) Annual Conference(pp. 531-536). Springer International Publishing. Goh, K. Y., Heng, C. S., Lin, Z. (2013). Social media brand community and consumer behavior: Quantifying the relative impact of user-and marketer-generated content.Information Systems Research,24(1), 88-107. Goi, C. L. (2015). Marketing Mix: A review of'P'.The Journal of Internet Banking and Commerce,2005. Hennart, J. F. (2012). Emerging market multinationals and the theory of the multinational enterprise.Global Strategy Journal,2(3), 168-187. Hugstad, P., Taylor, J. W., Bruce, G. D. (2013). The effects of social class and perceived risk on consumer information search.Journal of Services Marketing. Javadi, M. H. M., Dolatabadi, H. R., Nourbakhsh, M., Poursaeedi, A., Asadollahi, A. R. (2012). An analysis of factors affecting on online shopping behavior of consumers.International Journal of Marketing Studies,4(5), 81. Juster, F. T. (2015).Anticipations and purchases: An analysis of consumer behavior. Princeton University Press. Khan, M. T. (2014). The concept of'marketing mix'and its elements (a conceptual review paper).International Journal of Information, Business and Management,6(2), 95. Leonidou, L. C., Leonidou, C. N., Kvasova, O. (2013). Cultural drivers and trust outcomes of consumer perceptions of organizational unethical marketing behavior.European Journal of Marketing,47(3/4), 525-556. Mullen, B., Johnson, C. (2013).The psychology of consumer behavior. Psychology Press. Pinto, N. P., Gomes, D. D. O., Cavalcante, F., Mendes, G. A., Sales, R. K. L. (2015). The influence of social networks on consumers' buying decision process-a study of tourism products.Asian Journal of Business and Management Sciences,4(3), 1-10. Reny, P. J. (2015). A characterization of rationalizable consumer behavior.Econometrica,83(1), 175-192. Schiffman, L., O'Cass, A., Paladino, A., Carlson, J. (2013).Consumer behaviour. Pearson Higher Education AU. Solomon, M. R. (2014).Consumer behavior: Buying, having, and being. Engelwood Cliffs, NJ: prentice Hall. Solomon, M., Russell-Bennett, R., Previte, J. (2012).Consumer behaviour. Pearson Higher Education AU. Tapp, A., Spotswood, F. (2013). From the 4Ps to COM-SM: Reconfiguring the social marketing mix.Journal of Social Marketing,3(3), 206-222. Wedel, M., Kamakura, W. A. (2012).Market segmentation: Conceptual and methodological foundations(Vol. 8). Springer Science Business Media. Fonterra - Our Brands. (2016). Fonterra.com. Retrieved December 24, 2016, from https://www.fonterra.com/au/en/Our+Products/Our+Brands

The Accor and Hyatt companies Essay Example

The Accor and Hyatt companies Essay Most organisations provide a portfolio of branded products. The accommodation industry is no exception. The Accor and Hyatt companies follow four core components which embody strategic marketing. They segment the market, select the right target, identify the value proposition of that market and communicate that to the target markets. The portfolio offered by both organisations is evidence of marketings evolution towards micro-markets, product based, and value based solutions. About Accor. Accor represents the worlds largest hotel and tourism organisation with more than 3500 hotels and resorts in 90 countries with claims to having the most comprehensive choice of hotel styles and locations. Accor has brands to suit all tastes including the 5 star luxury of the Sofitel and business class of the Novetel, the flexibility of the Mecure, the variety and budget saver accommodation of All Seasons, and the value and convenience of the Ibis and Formule1 brands. We will write a custom essay sample on The Accor and Hyatt companies specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on The Accor and Hyatt companies specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on The Accor and Hyatt companies specifically for you FOR ONLY $16.38 $13.9/page Hire Writer About Hyatt. Hyatt encompasses 206 hotels and resorts internationally. Hyatt offers services to the luxury segment of the market. The Hyatt brand includes the 4 star services of the Regency, offering customers opportunities to broaden their horizons and rejuvenatein rooms designed to reflect the best of the local cultures with exceptional technology, meeting, and fitness facilities. The 5 star Grand Hyatt serves culturally rich destinations that attract leisure and business travellers, large scale meetings and conventions. The Park Hyatt represents the companies smaller, 5 star luxury brand catering for the ..discriminating traveller seeking privacy, personalized service and the elegance of a small European hotel. Market Segmentation and Target Marketing. According to DSS research, Market Segmentation describes the division of markets into homogeneous groups which respond differently to promotions, communications, advertising and other marketing mix variables. Each segment can be targeted by a different marketing mix because the segments are created to minimise inherent differences between respondents within each segment and maximise differences between each segment. Target marketing, according to Kotler et al, is evaluating each market segments attractiveness and selecting one or more markets to enter. Segmentation for Accor and Hyatt. Accor has diversified its portfolio and services a range of market segments. It targets the luxury segment with its Sofitel and Novetel brands, the good service and value segment with its Mecure and Ibis chains, and the budget conscious with its brands Formula 1, Motel 6 and Red Roof Inn. Hyatt has segmented the luxury end of the market and targets its range of services at the consumer who is willing to pay for the privilege. Targeting for Accor and Hyatt. Accor and Hyatt target different positions in the market for numerous reasons. Markets are made up of consumers who differ with respect to wants, needs, resources, geographical locations, buying attitudes and practices. This is reflected in the statement that market segmentation is a customer orientated philosophy. The primary reasons for the segmentation of markets are: * Easier Marketing Addressing the needs of smaller groups of customers is easier if they share many characteristics; * Efficiency Creates efficient use of marketing resources by focussing on the best segment for companies products encompassing price, product, promotion, and place. Segmentation can avoid sending the wrong message or sending your message to the wrong people. * Identifying Niches provides opportunities in under-served and un-served markets. Helps a company compete for buyers in less contested markets and helps products or services find new buyers. Micromarkets. Micromarketing is a form of target marketing where companies tailor their marketing strategies to the needs and wants of narrowly defined geographic, demographic, psychographic, behavioural, or benefit segments (Kotler et al, 2003). The information within micromarkets is significant to the Hyatt and Accor companies. It is in micromarkets where products, information, and services can be utilised to better satisfy the customers wants. Micromarketing for Hyatt. Micromarketing by Hyatt has led to the introduction of special programs including Hyatt Business Plan, Meeting Connection, and Camp Hyatt, which targets business travellers and parents on holidays. Micromarketing for Accor. Accor has utilised micromarketing as a tool to identify niche markets. Accor promotes its Advantage Plus program as the logical choice for the frequent traveller and regular entertainer. Accor also offers an extensive business travel program which provides the corporate traveller with hotels in central business districts, near international airports, and major corporate parks worldwide. Bases for Market Segmentation. Hyatt and Accor consider several factors when targeting segments of the market. They may divide the entire population into 2 broad categories: * Ultimate consumer purchasing goods and services for personal use; * Business users purchase goods and services to be consumed for business purposes. The criterion for placement in one of these groups is the customers reason for buying. This provides a basis to target holiday makers with resorts in popular holiday destinations and business groups with programs such as Corporate Conference and the Hyatt Business Plan. Segmentation Basis for Accor and Hyatt Geographically, Hyatt and Accor targets the most popular holiday destinations and business capitals. They are strategically placed in major and secondary cities, as well as airport locations and popular resort destinations. Hyatt and Accor also uses demographics as a basis for segmenting with consumers needs, wants and usage rates varying closely with demographic variables. Income segmentation would be a priority for Hyatt in targeting the luxury end of the market. It has been observed that no single demographic variable captures all the difference among the needs and preferences of the consumer. An alternative is occasion segmentation. Hyatt and Accor provides packages not only based on demographics, but also incorporating events in particular cities around the world, as well as packages for personal celebrations. Segmentation based on benefits identifies a niche market. It provides useful information on the major benefits that people look for in a service, the kind of consumer that looks for each benefit, and the major brands that deliver each benefit. Market Coverage Strategy and Positioning. Once an organisation has segmented the market, it must select one or more as its target. This is the process of choosing a market coverage strategy. An organisation must determine the desirability of each segment of the market. Guidelines have been developed which include: * Target markets being compatible with the organisations goals and image; * Resources offered must match the marketing opportunities offered by the specific market segment; * Organisations must be able to generate a profit; * Seeking a market where there are the fewest competitors. According to Kotler et al 2003, an organisation can choose one of three market coverage strategies: * Undifferentiated Marketing ignores market segment differences and goes after the whole market with one market offer. * Differentiated Marketing target several market segments and design several offers for each. * Concentrated Marketing target a large share of one or a few submarkets. (insert slide 41 from marketing lecture 4 here) As is stated by Dibb and Simkin (2001) positioning is the place occupied by a product or brand in a given market as perceived by the target market customers. It is based on the products or brands attributes, standing, quality, the types of users, its strengths and weaknesses, price and value, plus any other memorable characteristics, as perceived by the targeted customers. Hyatt Market Coverage Strategy and Positioning. The Hyatt has adopted a concentrated marketing coverage strategy. The company has positioned its brands in the luxury and corporate market with .exceptional technologysophisticated business and leisure facilitiesgrand scale refinementworld class standardsanctuary and luxury. With this success, the Hyatt has become a leader in the creation and operation of luxury resorts. Hyatt services at the business traveller, with .deluxe hotels with meeting facilities and special services for the business traveller.operating hotels in major and secondary cities and airport locations. Accor Market Coverage Strategy and Positioning. In contrast, Accor has adopted a differentiated marketing strategy. Accor has brand name hotels such as the Sofitel and Novetel offering prestigious hotels and resorts in the worlds most desired business, cultural, and resort destinations; to the cut price Formule 1 offering consistent motel style accommodation at budget rates in prime transport locations. Accor also targets corporate travellers with the Novetel brand which is at the forefront of business class hotel brands. Internet Positioning. The internet offers companies such as Hyatt and Accor numerous opportunities. Online advertising being the largest has four distinct advantages: * Targetability Focus on customers from specific companies, geographic regions and locations, by time of day, computer platform, browser, personal preferences and actual behaviour. * Tracking -Track how customers interact with brands and learn what interests current and perspective customers. Internet advertising can measure response to an advertisement which is difficult using traditional advertising * Deliverability and Flexibility Advertising delivered in real time 24 hours a day, 7 days a week, 365 days a year. Ads can be launched, updated, or cancelled immediately. * Interactivity -Engage customers with a product or service more effectively online. Customers interact with the product or service, test it, and if they choose, purchase the product or service. The most significant advantage to be realised is targetability and contextual marketing. As described by Zeff and Aronson, various strategies are now readily available to capture the demographics, tastes, and preferences of users to better target content.an advertiser can finally target every ad so that it goes out to just the right prospective customer at precisely the right time. Contextual Marketing eliminates wasted impressions by only delivering ads to interested personsand an ad is not considered a nuisance when it is information a person wants. Accommodation and the Internet. Hyatt has found new ways to utilise the internet. In the past, hotel groups have handed over too much control of inventory and pricing to third party online travel agencies.and now they are trying to take back the reins after early shopping patterns have been established. One article estimated that 51% of the 6.3 billion in online bookings made in 2002 were made by the actual hotel sites, with the remaining 49% going to online travel agents. Hyatt is one of a number of hotel chains tackling this problem. A year ago they launched Travelweb LLC, there own rival to online booking sites such as Hotels.com, Expedia, and Travelocity. Conclusion. Marketings evolution towards product and value based solutions has highlighted the importance of market segmentation, targeting, and positioning to the travel and accommodation industry. The Accor and Hyatt companies offer a range of brands and services to varying segments of the population. By targeting specific segments in the market, Accor and Hyatt satisfy effectively the specific benefits sought by particular consumers. This also promotes efficient use of resources and helps identify niche markets. Tailor made programs offered by Accor and Hyatt is further evidence of the innovation of micromarketing. Accor and Hyatt base these micromarkets on the differences in consumers needs and wants, resources, demographical and geographical information, buying attitudes and practices. With this, Accor and Hyatt have implemented market strategies to position there brand of services in different market segments. Both companies have taken advantage of what the internet has to offer, especially in the areas of targetability and contextual marketing. As the internet moves beyond the desktop computer and exposes points of contact infinitely more timely and relevant, market segmentation and target marketing will provide companies such as Accor and Hyatt with the platform to continue to satisfy customers and trade profitably in this volatile industry.

How to Create Classroom Management Routines

How to Create Classroom Management Routines Over the years, educators have developed many different methods for keeping classrooms under control. Currently, one of the most effective is a  program of classroom management proposed by educator  Harry K. Wong  in his book  The First Days of School. The focus of Wongs program is on creating orderly classroom routines that help children understand what is expected of them each day. It is a highly effective method, one that works well in both special and general education classrooms. Each day, the children from Room 203 line up outside the classroom and wait to be greeted by their teacher. When they enter the room, they place their homework in the basket marked homework, hang up their coats, and empty their back packs. Soon, the class is busy recording the days assignments in their assignment book, and when completed work on the spelling puzzle they found on their desks. The Importance of Routines Every day, the children in room 203 follow the same routines, routines they have learned. Flexibility comes in instruction, in meeting individual needs or challenges as they arise. The beauty of routines is that they are about what we do, not who we are. A child can be reminded that they forgot to complete a routine, and they will not feel hurt, as they probably would if they were told that they broke a rule. Its well worth the extra time required to create routines, since routines help children understand what is expected of them, where to find the resources they need, and how to behave in the classroom. Routines take time to be taught, but eventually, they become second-nature, and students no longer need to be reminded what to do. The best time to establish routines is at the beginning of the school year.  The First Six Weeks of School, a book by educators Paula Denton and Roxann Kriete, lays out six weeks of activities that teach routines and create meaningful ways for students to interact and create community in the classroom. This approach is now trademarked as The Responsive Classroom. Creating Routines The best routines are those that anticipate common challenges in the classroom and find ways to address them. Before creating a routine, teachers should ask themselves the following questions: How will the students enter the classroom?Where will they place their backpacks? Their homework?Who will take attendance? How will the students record their lunch choices?What does a student  do when his or her work is completed?How does a student  record his or her independent reading?How are seats chosen at lunchtime? A resource room teacher will need to ask: How will the students  get from their general education classroom to the resource room?How will the students know when it is time to move from their desks to the teachers table?What role will a classroom aide play in the structure of the classroom?Who keeps track of homework and class assignments? Teachers should have an answer for each of these questions. Children from communities without much structure will need a great deal of structure in their day. On the other hand, children from more orderly communities will not necessarily need as much structure. As a teacher, it is always best to have too many routines and too much structure than too little- you can more easily take away than add. Rules While routines are more effective for managing classrooms, there is still a place for rules. Keep them short and simple. One of the rules in every classroom should be Treat yourself and others with respect. Limit your rules to a maximum of 10 so that students can easily remember them.

Analysing Gender Inequality In Sports Sociology Essay

Analysing Gender Inequality In Sports Sociology Essay This essay will seek to describe the issue of women in sports, and discuss the reasons for this, with relevance to some of the concepts covered in this course. It will also go on to discuss the improvements and positives observed in recent years, and explore some other possible measures to improve the situation in the future. 2. Background In Ancient Olympics, competitive sports were masculine affairs. While males compete to show their prowess, women were prohibited to even watch competitions, much less compete. Quite simply, even in this day and age of supposed equality and meritocracy, sport still remains a male domain, especially on the community level. Even with improved opportunities and treatment, there is still an invisible barrier between sport and the everyday woman. In the next section, this essay shall explore some of the reasons for this situation. 3. Reasons 3.1 Introduction to Gender Ideology in sports The concept of ideology is one that we take for granted, or rather, something we do not even think about. It refers to the ideas and explanations we have been given since young, to explain personal and social life. We have been using our ingrained ideologies to make decisions and judgments ever since we could, without ever questioning or knowing them. In addition, Taylor (1994) mentioned that our identities are formed based on dialogical relations with our significant others. In other words, the complexities of our identities are not formed through cultural identification alone (monologic model) but through the interactions with people who are important to us. Gender, even more so than race or class, is a pivotal organizing factor in social life. While a person’s sex is decided by physical characteristics such as genitalia, gender is a social construct formed and shaped by the society (James A. Banks).It is the fundamental way humans classify each other. Thus, we are especially reliant on gender ideology and it is extremely influential on ho w we organize our thoughts, actions and lives, and how parents bring up their offspring. The deep-rootedness of gender ideology means that everyone makes decisions based on it, from children, teenagers, parents to people in power. Gender ideology plays a big role in how sport has been carried out throughout the ages. The idea that men are supposed to be strong, aggressive, fast and competitive is reproduced in many sports. Conversely, women are not encouraged to play sports because the above traits are not associated with women (women’s athletics: coping with controversy). Thus, a woman exhibiting the above traits would be going against the gender ideology that most people submit to, and this would make her an anomaly. A woman would have to cope not only with her community seeing her as ‘not feminine’, she also has to deal with lack of resources and financial support because her politicians also have the same ideology and do not support women in sport. Fortunatel y, the situation has considerably improved from the past. 3.2 Gender Ideology: dominance and stereotypes The fact that males are the dominant group is also accepted by most as part of their understanding of gender ideologies. This is correspondent to John Clammer’s point that social inequalities are seen as ‘natural’ and hence not to be tampered with.