Jungian Analytical Psychology and the Process on Individuation

Fraud Activities in Financial Companies

Question: Misrepresentation exercises happen in monetary organizations, as money related renting fakes, fakes in protections trade markets, contracts, and so on. Also, portray in any event 3 related cases for instance. Suggested structure for each body part: (a). Current circumstance and as of late improvement in your general vicinity (b). Present extortion action of your part (c). Dissect cases in detail, upheld by law and guidelines (discover cases from ASIC site) (d). Our proposals on this sort of misrepresentation (advancement of guidelines, anticipation, discipline and so on.) Answer: (a). Extortion case at BearingPoint Australia Pty Ltd including previous CEO John Morris. Portrayal of bogus data about the money related records of organizations has been seen much of the time. The laws and guidelines administering money related foundations has anyway been ventured up as of late. These sorts of fakes are generally executed by chiefs accused of the obligations of holding the data as caretakers. Generally oversees distort the data to disguise awful money related status of the organizations they are in control to conceal fake exercises they have drawn in or submitted the organization into. For the situation including BearingPoint CEO Mr John Morris, he was blamed for giving bogus budgetary data about BearingPoint Australian Pty Ltd to delegated organization evaluator PricewaterhouseCoppers in the year 2004. The CEO conceded that he had built up an installment calendar to the variety contract between BearingPoint Australian Pty Ltd and Canon. The issue here was that while the CEO delivered archives that indicated that the agreement esteem between his organiz ation and Canon was $ 19.6 Million, PWC set up through monetary records held by Canon that the incentive to be $ 13.2 million. The variety of $ 6.4 was what the CEO hid to both BearingPoint Australia Pty Ltd and her delegated inspector PWC. The demonstration spoke to net unfortunate behavior by misrepresentation with respect to the CEO by first distorting monetary records of his boss and besides by neglecting to cling to the set of principles of his manager which necessitated that he demonstrations in compliance with common decency and to the greatest advantage of the organization while releasing his order as the CEO of the organization. John Morris was indicted by Australian protections and speculation commission (ASIC) built up in 2001 under the Australian laws. ASIC set forth that the CEO penetrated companies act 2001 (Corporations ACT) when he intentionally deceive the two his manager and her reviewer by misrepresenting money related records of BearingPoint Australia Pty Ltd. Th e appointed authority concurred with the arraignment (Commonwealth chief of Public indictments) and Mr. John Morris was found to have repudiated enterprises act under Australian laws having confessed of two charges and the officer sitting at Melbourne justice court fined him $ 2,500 with respect to each charge and was in a flash prohibited from any administrative obligations of any organization for the time of five years from the date when the conviction was conveyed that is Tuesday, 22nd August 2006. ASIC Home | ASIC - Australian Securities And Investments Commission (2016) Asic.gov.au https://asic.gov.au/. It is our suggestion that CEOs of the organizations ought not be the main caretakers of pivotal money related records of the organization. To such an extent that for a misrepresentation to happen it needs to include connivance of many individuals in the framework to a degree that it is practically unreasonable to board of trustees a monetary misbehavior without the information o n other junior and ranking directors. Paul M Clikeman, Called To Account. (b). Extortion case including Dessipur Pty Ltd previous executive Mr. Haydn James Dodge. Without the presence of legitimate guideline and closer examination of the numerous organizations that manages open finances numerous fake exchanges and dealings may go unnoticed. This is in such a case that the organization is covering expenses, representatives and some other expense related with the smooth activity of the organization, it is trying to smell a rat the yearly stages. The extortion is typically the work a senior official and a couple of representatives and since for the most part the repercussions are felt later when the organization is in profound money related emergency the demonstration can undoubtedly go unnoticed. Mr. Avoid of Sorell in Tasmania was denounced by Australian protections and venture commission (ASIC) that between the dates of eighteenth November 1996 and 26th of August 1998 Mr. Evade and previous Hobart specialist a Mr. Thomas Peter Baron in there full information utilized Dessipur Pty Ltd as a way to dupe financial specialists Money in abundance of $900,000 from contract finance. The examination was focused on two bombed sub-divisions known as Co Drive Pennington Drive at Sorell. People in general was hoodwinked by the two to purchase portions of the land utilizing Dessipur Ltd and that when the two sub division is finished each one who contributed will get their offers as needs be. The division never happened and the open assets were in peril. Mr. Avoid conceded to three checks of connivance to cheat speculators near $1.4 million and one include getting money related bit of leeway deceptively in Supreme Court of Tasmania. The case that was indicted by the Tasmanian Director of open arraignment emerged from Mr. Evades cooperation in the bombed specialists contract reserves worked by Hobart law offices. The central Justice Underwood in his shrewdness expressed that the wrongdoing submitted by the two will pull in three years in prison on the grounds that the obstacle is key factor in the demonstration of condemning watchfulnes s. He further expressed that such like violations are hard to recognize and indict. Mr. Avoid having carried out the referenced wrongdoing was condemned to three years detainment. The two had negated Australian law under Australian companies act 2001. He was anyway qualified for parole in the wake of serving one entire year in prison. Mr. Avoid was at first blamed for 38 checks of deceptive nature however after conversation with Tasmanian Prosecutor it was concurred that the tree tallies of untruthfulness will sufficiently cover the remainder of the checks prosecutable under the law. ASIC Home | ASIC - Australian Securities And Investments Commission (2016) Asic.gov.au https://asic.gov.au/.We suggest that closer oversight and investigation ought to be authorized to every monetary foundation that manage open assets. Their center money related frameworks ought to be available to the controller at some random time to empower investigation. Rory M. Cohen, US Securities And Exchange Comm ission Amends Dollar Threshold Tests Under Qualified Client Standard, Requires Exclusion Of Net Equity In Primary Residence (2012) 13 Journal of Investment Compliance. (c) Conviction of previous Woodvile North home loan dealer As it is presently in Australia credit handles for the most part act from the situation of trust. Every application they forward to loan bosses is accepted that the specialist has conveyed right data to the best of his or information since the credit representative is the conductor between credit supplier and the credit borrowers. There is a lacuna in the guidelines on the grounds that only one out of every odd advance application is examined in every single detail. The rules as it is as of now established give a lot of trust with respect to the intermediary. Anyway such wrongdoings as deceitfulness in this sort of course of action can be handily dedicated and are difficult to identify except if the demonstration itself is glaring. Philip Wolny, Understanding Financial Frauds And Scams (Rosen Pub., 2013). Mr. Daniel Duy Nguyen of Woodvile North South Australia worked as a credit specialist. He is the sole executive of Ausfin Solutions Pty Ltd which exchanged as Arndale fund. Australian protections and venture commission 2001 (ASIC) researched Mr. Nguyen. It is claimed that in the period between October 2011 and February 2012, Mr.Nguyen gave bogus data with respect to deal agreement and examination letters for rentals gave to the credit supplier to the reasons for supporting home advance application for the benefit of his five customers. The credit supplier was Westpac Banking Corporation (Westpac). Mr. Nguyen maybe searching for more commission concluded purposely to modify monetary data for his customers all together for the application to be affirmed by Westpac. This demonstration reprensentd net offense with respect to Mr.Nguyen having contradicted enterprises act 2001. The demonstration requires in addition to other things that the intermediary will attempt to give right money rel ated data of his/her customers apparently when making any sort of credit application for their benefit. It likewise necessitates that the intermediary demonstrations in compliance with common decency without deceiving banks to endorse advances for elements or individuals who don't meet all requirements for the equivalent. Mr. Nguyen conceded of five tallies of charges of giving misdirecting money related data to Westpac Banking Corporation. He consequently got four months suspended sentence. The case was arraigned by federation executive of open indictments at the Adelaide Magistrate court in Australia. ASIC Home | ASIC - Australian Securities And Investments Commission (2016) Asic.gov.au https://asic.gov.au/. We suggest that there is no requirement for expecting all credit representatives are dependable regardless of whether they have all the essential papers. There must be wagered checks and equalization it is anything but difficult to give bogus data particularly when done on little bits. The banks should check every single piece of the data gave. Celeste M. Hammond, Subprime: Real Estate Frauds, Mortgage Frauds And Legal Certainty SSRN Electronic Journal. (d) Fraud case including South Australian guide. Its standard for overall population to look for money related help or advices from organizations giving such consultancy administrations. This is generally spread practice over the world not simply in Australia. In all cases the counselor or the prompting substance is required to act to the greatest advantage of the customer. They act in the situation of trust both from the general population and industry controllers. This sort of course of action totally relies upon who the customer feels more comfo

Should Income Matter When Choosing a Partner

Should Income Matter When Choosing a Partner Should Income Matter When Choosing a Partner? Should Income Matter When Choosing a Partner?Factoring in a potential partners income might feel shallow, but its one of many financial factors you should be taking into considerationâ€"even if its not the most important one.When it comes to dating, everybody has their dealbreakers, like people who chew too loud or folks who are rude to waitstaff. But what about income? Is that something you factor in when deciding whether or not someone can be a long-term romantic partnerâ€"or maybe even the fabled “one?”There are lots of folks who would balk at the idea of factoring in income when determining a partner. And not without good reason. It would mean they’re shallow, right? Well, not necessarily.While we’re not saying that you should set a hard line on how much a potential partner has to earn, income is certainly one factor out of many that are fine for a person to consider. But even more important than income is what a person does with the money they earnâ€"whether it’s a lit tle or a lot. Love, marriage, and money are all complicated.  If the idea of taking money into account at all when deciding on a future partner makes your teeth itch, we’ve got some news for you: Money is going to be an issue in your relationship whether you want it to be or not.“Figuring out who you want to spend your life with is a multi-faceted decision,” said marriage and family therapist Jill Whitney. “Despite what you see in Disney movies and romcoms, it takes more than love to make a solid, long-term relationship.“Love, caring, and attraction definitely matter, but theyre not enough. You also need common values and life goalsâ€"and compatibility about money.”Even if you don’t want to factor in a person’s income, you should definitely think about whether you two are money-compatible. After all, spending your life together means making all kinds of financial decisions, both large and small, together as well.“Marriage is as much a business relationship as it is a romantic relationship. Far too many people dont realize this, or they forget about it in the thrill of romantic attraction,” said writer and sociologist BJ Gallagher (@BJ_Gallagher). She went on to provide numerous examples of the kinds of money decisions that you and your partner will have to make:“Marriage involves paying for living expenses, saving for retirement, the huge expense of raising children if the couple plans to have them, home ownership, insurance, inheritances, and handling financial emergencies when they occur. Student loans are often involved. Eldercare responsibilities later in life. There are dozens of financial aspects to a marriage or long-term living together arrangement.”“You absolutely want to have some sense of your partners earning potential, based on his or her career,” she cautioned. “Your own financial future is going to be intertwined with this other person so if youre smart, youll pay attention not just to their current income but the l ikelihood of their future income as well. Your own financial well-being depends on it.”Planning for the future means being able to factor in future earnings. If your plans and your partner’s income don’t match, that’s something you’ll have to discuss. It’s not a dealbreaker, but some deal amendments might certainly be in order.Everyone has a relationship with money.Unless you’re a hermit who lives in the woods (which you probably aren’t because then how would be reading this), money plays a big role in your life. You have a relationship with it, the same way that you have a relationship with your partnerâ€"and the same holds true for them.These relationships will impact each other. And if you choose to ignore them, the odds are good that the impact will be negative.“Sadly, income and finances are the biggest reasons couples fight or even break up, so discussing finances is such an important conversation,” said Denise Nostrom ChFC, CLU; Founder and Owner of Divers ified Financial Solutions  (@diversifiedfinancialsolutions) in Medford, NY. “It happens to be one of those taboo topics that we tend to not talk about, but not talking about it before committing to someone for the long term is a big mistake.”“Take some time to think about your own financial style and your partners,” Whitney counseled. “What does money mean to each of you? To what extent is money for security, fun, status, or indulgence? Whats worth spending money on and whats less important? How much of a financial cushion would make each of you feel comfortable?“How would each of you prioritize spending optionsâ€"say, having money for nice vacations versus having a larger house? How would you dial back expenses if one of you lost a job or if your investments took a hit?”Earnings aside, how much do they spend?  â€œAs I like to tell clients who are considering getting married, this person could ruin your credit rating,” said Whitney. “A spouse who spends more than t he two of you can afford can undermine an otherwise strong relationship. Even if the two of you are high earners, its possible to spend more than you make.“At best thats stressful, and at worst it can lead to financial ruin. If you earn more ordinary incomes, overspending is likely to lead to lots of conflict and heartache. On the other hand, a partner who never wants to spend at all might make you feel constricted and resentful.The one thing you shouldn’t do is look at income as the only factor to considerâ€"or even the most important financial factor. As Whitney cautioned, even people with high incomes can run their finances into the ground if they spend beyond their means.“I dont think income matters as much as having compatible habits and goals,” said certified financial educator Maggie Germano (@MaggieGermano). Even folks who make lots of money can have conflicts if the money isnt going towards things that they agree on. Its important to be aligned with your partner abo ut what you will be spending money on or saving for.Whitney offered a similar perspective: “A potential partners financial style is more important than their earnings. High earnings are great, but whats more important is how the person balances spending and saving.”You can’t act without solid information.  Neither you nor your partner is psychic. This means that you’re going to have to talk to them about money stuff. And it’s going to mean spilling some cold, hard numbers as well.As early as you can, see what this persons relationship is to money,” advised Nathalie Noisette, owner of Credit Conversion (@credconversion). “Find out what their credit score is, how much debt they have, what are their spending habits, and how much they know about managing money. Once you get married you are now assuming this as your own.Once you’ve got a good sense of how your partner handles money, you can set about determining your next steps. Maybe they’re great with money and you do n’t have to do much else! Maybe they’re … not.“If habit or credit is less than great, are they willing to do something about it?” said Noisette. “Get real with yourself. Are you willing to pay higher interest rates till death do you part if your partners credit is not good?“Having financial struggles can largely impact your life. Sure, there are things that are outside of your control (natural disasters and declining health), but the factors that are within your power should be known before you say ‘I do.’”According to the Noisette, the bottom line here is to “get in the know.”Do they have a budget? What about financial goals?  Two great ways to figure out a person’s relationship with money beyond just their income is to answer these two questions: Do they have a budget, and what are their long-term financial goals?“You really need to know how your partner feels about money and if they have a budget,” said Nostrom.  Her recommended follow-up questions i nclude:“Do they know what they spend each month or do they just spend everything they earn and yearn for their next paycheck?“Do they have any money in savings or do they live paycheck to paycheck?“Are they ‘paying themselves first’ and putting money away each month into a savings account or into some type of investment vehicle?“Do they participate in their company retirement plan like a 401K plan?”“You may also want to talk to them about their financial goals to see if they are similar to your own financial goals,” she added. If your goals are very different, this may not be a good sign for future success as a couple.”If this sounds like a lot, well, that’s because it is. This conversation isn’t worth having even though it’s hard; it’s worth having because it’s hard.“For many people, this is an overwhelming conversation, so you may want to consider meeting with an objective third party, like a financial advisor,” said Nostrom. “This may be a good first step and definitely worth your time to make sure that you know the finances of the person you may be spending the rest of your life with.“It is better to know the situation, good or bad, to make sure you are going into a long term commitment with your eyes wide open.”Consider dividing up your living expenses.Florida attorney Miguel A. Suro, who also blogs about lifestyle and personal finance topics at RichMiser.com (@therichmiser), had some great advice to help partners with different incomes levels decide whether to bridge the gap or go their separate ways:“If you are accustomed to or expect an expensive lifestyle. If your partner’s lower income will make that lifestyle unattainable, be very sure that you are fine with that,” he said.“If there is a large income disparity between partners (and you are the higher-income partner), be sure that you will be happy making the biggest contribution to your household’s finances. Financially supporting a partner against y our wishes can be a major source of tension and resentment in a relationship.“Conversely,” added Suro, “if you are the lower-income partner, be sure that you can accept that you will contribute less to household finances.”“Talk to your partner about how youd divide living expenses. Early in a relationship, its reasonable for each person to pay half. But in a long-term relationship, especially a marriage, youre in this together and you need to be equal partners, even if your incomes are different.“In sum,” he concluded, “running a household is very hard, and fighting over money can lead to an unraveling relationship. So, talk it over extensively before marriage or cohabitation, and make very sure that you’re both on the same page before making a deeper commitment”Using joint and separate accounts could help.Whitney recommended using joint and separate bank accounts to help couples navigate between shared financial responsibilities and their own financial independe nce:“I often suggest that couples have a joint account for most expenses, like mortgage and utilities, and also smaller, separate accounts for personal expenses like clothes, gifts for each other, and hobbies,” she said.“Each partner should have the same monthly amount in their personal account regardless of earnings because youre equal partners. This approach lets you work as a team for most things but also gives you the ability to make individual spending choices.”Dont forget to factor in their debt.Don’t let a focus on your partner’s income blind you to other important financial factors: Namely, how much debt they owe. Bringing home a larger income while carrying an even larger debt load is something you’ll need to figure out“Another thing to be aware of is the debt that your partner has, and you should be honest about your own,” said Germano. “Debt can significantly impact the decisions youre able to make in your life, so youll want to be fully informed.ӠœIf a partner will bring debt into a marriage, I think it’s ‘cleaner’ if that partner’s income is sufficient to repay that debt,” recommended Suro. “Although it’s possible for one partner to pay the other’s debt, make sure that both of you are fine with that and that it will not cause resentments.”Make sure you two talk about the future.If you and your partner plan on spending the rest of your life together, you two would do well to talk about the kinds of financial decisions that will occur further on down the lineâ€"especially potential scenarios that might take you by surprise.“Its essential to talk about possible future scenarios that would affect your financial life, said Whitney. “If you plan to have children, would one of you quit your outside job, switch to part-time, or move to a more flexible but less lucrative career?”“Which of you would make the change? How would you adjust to the decreased income? Do you plan to retire early, on time, or late? What if one person wanted to retire early but that meant a significant change in lifestyle?”Suro also noted that deciding whether or not to have kids can have huge financial ramifications, the kinds that are best discussed ahead of time:“Having children oftentimes will mean that one partner will have to switch to part-time work, or that you may need to hire paid help. Therefore, consider if that will be your situation, and whether your combined incomes would allow for it.”Remember, this is just the beginning.Talking to your partner about money issues and your mutual incomes is great. But it’s not like a single conversation is going to solve this issue forever. You two have a lifetime of communicating with one another to look forward too.“Have money conversations early on in your relationship to make sure your visions align. But having the conversation once doesnt mean you are done, said Germano. “Its something that should be discussed regularly, especially if your financ ial situation is changing in any way. Schedule a weekly ‘money date’ with your partner to make sure both people are informed and feeling good about your money.“Ascertaining your future partner’s earning potential is a good start, but its just a start,” advised Gallagher. “You want to have conversations with the other person about their attitudes about money, about their views on consumer debt, about their spending habits and their savings habits, about their level of generosity and sharing with others, and so much more.”To learn more about managing your finances, check out these related posts and articles from OppLoans:The (Comprehensive) Couple’s Guide To Budgeting8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterHow do you handle money issues with your partner?  We want to hear from you! You can find us  on  Facebook  and  Twitter.  |  InstagramContrib utorsBJ Gallagher (@BJ_Gallagher) is a  sociologist and the author of numerous business books, womens books, self-help, and inspirational gift books. Her titles include: Why Dont I Do the Things I Know Are Good for Me? (Berkley), The Power of Positive Doing (Simple Truths), and Its Never Too Late To Be What You Might Have Been (Viva Editions). Her newest book, Your Life Is Your Prayer (Mango Publishing) will be out in April 2019.Maggie Germano  (@MaggieGermano) is a Certified Financial Education Instructor and financial coach for women. Her mission is to give women the support and tools that they need to take control of their money, break the taboo of discussing debt and income, and achieve their goals and dreams. She does this through one-on-one financial coaching, monthly Money Circle  gatherings, her weekly  Money Monday  newsletter, and speaking engagements. To learn more, or to schedule a free discovery call, visit  MaggieGermano.com.Nathalie Noisette is the Founder of  Credit Conversion (@credconversion), a credit counseling, and repair company located in Avon, MA. Credit Conversion uses principles of behavioral change to not only allow clients to improve their score but understand the habits that lend to poor credit. “Through our repair and training, it is our vision to see all of our clients repair and maintain near perfect credit scores.”Denise Nostrom ChF CLU  is Founder and Owner of  Diversified Financial Solutions  (@diversifiedfinancialsolutions) in Medford, NY.   Denise’s philosophy is that with time, discipline, and determination you can reach your financial goals and dreams. She is also the Founder and President of a not-for-profit organization, POWER of Women Exchanging Resources, Inc. Denise’s goal with her organization is to raise women up to become more successful in their lives, in and out of the business world.Miguel A. Suro is a Florida attorney and personal finance and lifestyle blogger at  The Rich Miser (@therichmiser), which he runs with his wife Lily Rodriguez. With a tone that is both realistic and aspirational, The Rich Miser is aimed at those who want to elevate their lifestyle while building wealth and spending far less than they thought possible. The Rich Miser  has been featured on major outlets such as MarketWatch, Consumer Reports, and NBC.Jill Whitney is a licensed marriage and family therapist based in Connecticut. She does therapy with couples and individuals and writes about relationships, parenting, and sexuality at KeepTheTalkGoing.com.

What Is Biochemistry - Introduction and Overview

Biochemistry is the science in which chemistry is applied to the study of living organisms and the atoms and molecules which comprise living organisms. Take a closer look at what biochemistry is and why the science is important. What Is Biochemistry? Biochemistry is the study of the chemistry of living things. This includes organic molecules and their chemical reactions. Most people consider biochemistry to be synonymous with molecular biology. What Types of Molecules Do Biochemists Study? The principal types of biological molecules  or biomolecules are: carbohydrateslipidsproteinsnucleic acids Many of these molecules are complex molecules called polymers, which are made up of monomer subunits. Biochemical molecules are based on carbon. What Is Biochemistry Used For? Biochemistry is used to learn about the biological processes which take place in cells and organisms.Biochemistry may be used to study the properties of biological molecules, for a variety of purposes. For example, a biochemist may study the characteristics of the keratin in hair so that shampoo may be developed that enhances curliness or softness.Biochemists find uses for biomolecules. For example, a biochemist may use a certain lipid as a food additive.Alternatively, a biochemist might find a substitute for a usual biomolecule. For example, biochemists help to develop artificial sweeteners.Biochemists can help cells to produce new products. Gene therapy is within the realm of biochemistry. The development of biological machinery falls within the realm of biochemistry. What Does a Biochemist Do? Many biochemists work in chemistry labs. Some biochemists may focus on modeling, which would lead them to work with computers. Some biochemists work in the field, studying a biochemical system in an organism. Biochemists typically are associated with other scientists and engineers. Some biochemists are associated with universities and they may teach in addition to conducting research. Usually, their research allows them to have a normal work schedule, based in one location, with a good salary and benefits. What Disciplines Are Related to Biochemistry? Biochemistry is closely related to other biological sciences that deal with molecules. There is considerable overlap between these disciplines: Molecular GeneticsPharmacologyMolecular BiologyChemical Biology

Ophelia and Hamlet in The Tragedy of Hamlet Essay

Ophelia and Hamlet In 1600, William Shakespeare composed what is considered the greatest tragedy of all time, Hamlet, the tragedy of the Prince of Denmark. His masterpiece forever redefined what tragedy should be. Critics have analyzed it word for word for nearly four hundred years, with each generation appreciating Hamlet in its own way. While Hamlet conforms, without a doubt, to Aristotles definition of a tragedy, one question still lingers. Did Shakespeare intend for the reader or viewer of Hamlet to feel greater sympathy for Hamlet, or for Ophelia, Hamlets lover? Both characters tug at the heartstrings throughout the play, but it is clear that the tragedy of the Prince of Denmark is a misrepresentation of Shakespeares true†¦show more content†¦It seems clear that Ophelia, in her madness, knows what others may be. She has become enlightened in her insanity. Unfortunately, because of her suicide, Ophelia is never given the chance to know what she herself might have been. Clearly though, Ophe lia does change greatly from act 1 to act 4. She transforms from a simple and innocent young girl into a mad, unsettled and knowing woman. What brings on these changes in Ophelia? One significant cause is the aforementioned attempted education by Ophelias brother, Laertes. When Laertes gives his brotherly advise to Ophelia, in act 1, scene 3, he speaks of more that just Hamlets love for Ophelia. Laertes warns Ophelia that Hamlet is toying with her affection in lines 14-18: ... Perhaps he loves you now, And now no soil nor cautel doth besmirch The virtue of his will, but you must fear, His greatness weighed, his will is not his own, or he himself is subject to his birth. (1.3.14-18) According to Laertes, Hamlet could not possibly love Ophelia because his is a prince and Ophelia a mere maid. Hamlet is bound by his regency to love and marry a princess of equal rank and stature. In lines 30-33, Laertes preaches the importance of Ophelias chastity: If with too credent ear you list his songs, Or lose your heart, or your chaste treasure open To his unmustered importunity. Fear it, Ophelia, fear it, my dearShow MoreRelatedThe Tragedy of Ophelia in Hamlet Essay945 Words   |  4 PagesThe Tragedy of Ophelia in Hamlet    Sweet and innocent, faithful and obedient, Ophelia is the truly tragic figure in William Shakespeares Hamlet. Her nature invites us to pity her misfortune caused not by any of her own self-initiated deeds or strategies(Lidz 138). 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Many characters become involved with the relationships between Ophelia and Hamlet and Claudius and GertrudeRead MoreShakespeare Is The Greatest Masterpiece Ever Written? Essay1710 Words   |  7 PagesShakespeare is relevant and Hamlet is the greatest masterpiece ever written! This relevance is proven within Shakespeare’s complex character development of Hamlet, an empathetic young man dealing with internal struggles on how to handle the death of his father. Shakespeare’s words come to life in Hamlet as he mystically addresses the most timeless philosophical dilemmas of man: the passion of love; the lust for power; and the masquerading line between life and death. Ophelia has convinced herselfRead MoreWomen s Tragedy : Hamlet And King Lear1185 Words   |  5 PagesTinsley Anderson Dr. Pitchford ENGL 4037 24 November 2015 Women in Shakespeare’s Tragedies: Hamlet and King Lear While William Shakespeare’s Tragedies are well known for their violence, tragic heroes, and fatal flaws, the method in which Shakespeare portrays his female characters in a negative light is seldom expressed. The women of Shakespeare’s Tragedies are represented unfavorably, no matter if they are virtuous or evil. â€Å"Shakespeare’s plays are not lacking in women with positive human qualities

Lowering the Drinking Age Free Essays

â€Å"Nearly 10 million youths, ages 12 to 20, in this country report they have consumed alcohol in the past 30 days. † (â€Å"City Council†) Teens use alcohol for a numerous amount of reasons, ranging from celebration to stress to boredom and underage drinking has now become a hobby done behind closed doors. The legal limit today in the United states has been 21 since the 1984, requiring all states to raise the minimum age for purchase and possession of alcohol to 21, but that is not stopping teens from underage drinking. We will write a custom essay sample on Lowering the Drinking Age or any similar topic only for you Order Now The Minimum Legal Drinking Age is largely ineffective because teens are going to drink whether it is legal or not. The minimum drinking age limit should be lowered to 18 because 18 year olds are adults, teens would drink in a more controlled manner, and there would be less unsafe incidents. In the US, 18 is the age of adulthood, so adults should have to right to make their own decisions, especially pertaining to alcohol consumption. â€Å"Turning 18 entails receiving the rights and responsibilities of adulthood to vote, smoke cigarettes, serve on juries, get married, sign contracts, be prosecuted as adults, and join the military. † (Chiappetta) Some of these rights even put you at the risk of death. If at the age of 18, you are allowed to make all of those decisions for yourself, then why not with alcohol? This question still remains unanswered. Republican Richard Marron states, â€Å"It just doesn’t sit right with me that people [at the age of 18] have the right to do everything else, including serve their country, but don’t have the right to consume alcohol, it’s a form of age discrimination. † Being an adult means making your own choices. If 18 year olds are held mature old enough to enlist or vote, it should be held consistent allowing them to buy and drink alcohol. Many argue against the claim that you are old enough to drink at 18. Opponents of lowering the drinking age argue that teens have not yet reached an acceptable age where they can handle alcohol responsibly. â€Å"The discrepancy between the MLDA and the age of majority–and its many responsibilities and authorities–along with continued incidents of alcohol abuse reported on college campuses have fueled debate that setting the MLDA at 21 is fair, smart, and effective. † (Drinking Age Procon. org) The age of 21 should not make a significant impact on anything. A three year age difference doesn’t decide whether someone is ature or responsible enough to drink. That is solely based off their decision, and if the make that choice to drink, than they will face any of the consequences that may come with it. Lowering the drinking age would also increase teens drinking in a controlled, responsible manner. â€Å"Prohibiting this age group from drinking in bars, resta urants, and other licensed locations causes them to drink in unsupervised places such as fraternity houses or house parties where they may be more prone to binge drinking and other unsafe behavior. † (â€Å"The Time Has Come to Address the Reality of Alcohol in America†). Young adults will sneak around if they are not allowed the chance to drink responsibly in a supervised situation. It is no secret that teens drink, so why not just make it legal instead of them taking the risk of trying to hide it? â€Å"Reality is reality and the fact is that 18-20 year olds drink. We need to create a safe and open environment for that reality to take place. † (Henig) Teens do not want to hide it, but if the want to drink they have to, and being supervised is going to result in less binge drinking and engaging in less dangerous activities. The age of 21 treats them and causes to handle things in an untrusting way. How are they ever going to act responsibly if they aren’t trusted? It is argued that lowering the drinking age is only going to create even more dangerous incidents, and that the 21 age minimum is preventing them from happening. â€Å"MLDA 21 helps prevent underage binge drinking. † (â€Å"Drinking Age Pro Con†) Statistics show that â€Å"Binge drinking peaks among 21- to 25-year-olds at 45. 9%, while the binge drinking rates of those aged 12-13, 14-15, 16-17, and 18-20 are 1. 5%, 7. 8%, 19. 4%, and 35. 7% respectively. (â€Å"Results from the 2007 National Survey on Drug Use and Health:National Findings†) If the age limit were change, that would not necessarily raise the percentage, especially if the teens are supervised and being responsible enough. Even if the teens are responsible though, people still think that, â€Å"Lowering the drinking age would make alcohol more accessi ble to teens and increase the amount of binge drinking. † (Dean-Mooney) While the age limit may make it more difficult for them to buy it, teens already have access to alcohol, being 21 or not. It is in their homes, their friends homes, restaurants, and everywhere else they go. Teens are constantly surrounded by alcohol, and there is no stopping them from obtaining it, and being around an adult with it is only going to make it more safe, stopping them from making any destructive decisions. Another reason the limit should be lowered is because there would be an decrease in unsafe activities. There are less traffic accidents with countries who have a Minimum Legal Drinking Age of 18. â€Å"Although the United States increased the MLDA to 21 in 1984, its rate of traffic accidents and fatalities in the 1980s decreased less than that of European countries whose legal drinking ages are lower than 21. (Dee, Evans). That is because allowing them to drink younger where they are supervised is going to stop them from getting in a car. They will have that consent over them to make sure that they do not, but it is not just 18 year olds that are at risk. â€Å"In 2009, the 21- to 24-year-old age group had the highest percentage of drivers in fatal crashes with blood-al cohol concentration (BAC) levels of . 08 or higher – 35 percent. † (Asch, Levy). Anyone who drinks is at risk, whether you’re a new drinker, or you have been drinking your whole life. If anyone is at risk, then why is lowering the drinking age raising so many problems? With lowering the drinking age, it is proposed that the right to drink needs to be a higher age due to the dangers posed by drinking. â€Å"100 of the 102 analyses (98%) in a 2002 meta-study of the legal drinking age and traffic accidents found higher legal drinking ages associated with lower rates of traffic accidents. † (Wagenaar, Toomey). This is a major proponent for why the age limit should remain at 21, but again, anyone is in danger of an accident if they drink and drive. While an older aged person may be more experienced with alcohol and with driving, all the same risks still remain. Underage drinking is also said to be more linked to risky behavior and injury. According to the U. S. Surgeon General, â€Å"About 5,000 kids under 21 die every year as a result of underage drinking – from crashes, homicides, and suicides. † (â€Å"Did You Know? Dangers of Teen Drinking†) It has actually been proven though, that alcohol is not statistically rates of homicides or suicides, despite claims that lowering the legal drinking age to 18 would increase suicide and criminal activities by adolescents. Evidence proves to show that the Minimum Legal Drinking Age should be lowered to the age of 18 because 18 is the age of adults, young adults drinking in a controlled manner, and a decrease in unsafe drinking activities. Lowering the drinking age is definitely something that should be considered. The issues that come with lowering the age limit may be evident but being in control of these issues will help the success of passing this new law. How to cite Lowering the Drinking Age, Papers

Project Paper on Ganga Soap Essay Example

Project Paper on Ganga Soap Paper Marketing Management Project On Ganga Soap INDEX Executive Summary Industry Analysis 4 Ps of Marketing * Product * Price * Place * Promotion EXECUTIVE SUMMARY This report brings out the launching of Ganga Soap, failure to make a mark in toilet soap industry, being re-launched again, failing yet leading to absolute end of the product in the market. Launched by Godrej Industries in 1993, Ganga soap was produced from the holy water of the Ganges. It was considered to be an innovation on the part of the company. With the focus on the lower to middle consumer segment, it was priced affordably. The promotion techniques used for selling the product ended as the company claimed it to be created from the holy water of Ganga. With the achievement of fairly enough sales, the company looked forward to derive more. By involving its brand endorsement through famous Bollywood personality like Govinda and thereby, the promotions took off very well. By giving the tagline as â€Å"now bath in Ganga†, the message being conveyed to the customers was very clear. The company targeted both urban and rural areas for its marketing and specially with promoting it as soap from The Ganga, it centred around the people with religious beliefs. We will write a custom essay sample on Project Paper on Ganga Soap specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Project Paper on Ganga Soap specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Project Paper on Ganga Soap specifically for you FOR ONLY $16.38 $13.9/page Hire Writer However, there were many reasons that in spite of the strong initiatives for marketing the brand, it failed to sustain itself. With the company Godrej’ s fallout with PG being considered as one of the main reasons, the fact that the product was not being able to sustain itself due to its differentiation of being made from the water from the Ganges. After it was re-launched by Godrej again in 1997 it was named as â€Å"Doodh Ganga†. The company’s desperate attempts to gain momentum through the product all went down. By promoting in the similar way, it was well understood that it failed to make any mark as the people became more aware of relating the product on realistic. The amount of pollution affecting the Ganges and purity of water declining making even more difficult to the company to gain sales. By introducing the product merely on the religious basis, it was understood that the company needs a broader scale to make the product strike the customer. Therefore, a strong strategy is needed for bringing the soap to a level where it can match up to the standards of its own counterparts. Introduction Godrej Consumer Products (GCPL) is a leader among Indias Fast Moving Consumer Goods (FMCG) companies, with leading Household and Personal Care Products. Our brands, which include Good Knight, Cinthol, Godrej No. 1, Expert, Hit, Jet, Fairglow, Ezee, Protekt and Snuggy, among others, are household names across the country. We are one of the largest marketers of toilet soaps in the country and are also leaders in hair colours and household insecticides. Our Good Knight brand has been placed at an overall rank 12 and continues to be the most trusted household care brand in the country in Brand Equitys Most Trusted Brands Survey 2010. Branch Offices in Mumbai, Delhi, Kolkata and Chennai ensure pan-India coverage, while factories located at Malanpur (Madhya Pradesh), Thana (Himachal Pradesh), Katha (Himachal Pradesh), Guwahati (Assam) and Sikkim cater to the diverse requirements of our product portfolio. We also have a strong emerging presence in markets outside India. With the acquisition of Keyline Brands in the United Kingdom, Rapidol and Kinky Group, South Africa and Godrej Global Mideast FZE, we own international brands and trademarks in Europe, Australia, Canada, Africa and the Middle East. As part of increasing our global footprint, we have also recently acquired Tura, a leading medicated brand in West Africa, Megasari Group, a leading household care company in Indonesia and Issue Group and Argencos, two leading hair colorant companies in Argentina. We are driven by our mission to continuously enhance the quality of life of consumers in high-growth markets with superior-quality and affordable home care, personal care and hygiene products. The brand â€Å"Ganga† by its name says that it is derived from the holy water of the Ganges. It is evident that it is not only targeting the customer base having sentiments with the holy water i. e on religious norms but also the typical customer base in urban areas. Thus, to create a giant base of customer, it has to be well understood that the customer needs a proper requirement of the product. Thus, it is the constant process of the company to understand the requirements of the customers and bring out the best in it. The strategies involving the Ganga soap in improving its marketing will include the four P’s of marketing which are places, product, promotion and price. Using these methods, the whole product process of launching this soap will be processed. Industry Analysis The toilet soaps market is estimated at 530,000 tap including small imports. The market islittered over with several, leading national and global brands and a large number of small  brands, which have limited markets. The popular and premium brands include Lifebuoy, Lux,Cinthol, Liril, Rexona, and Nirma. Toilet  soaps, despite  their divergent brands, are  not well  differentiated by  the consumers. Itis, therefore, not clear if it is the brand loyalty or experimentation lured by high volumemedia campaign, which sustain them. A consequence is that the market is fragmented. It isobvious that this must lead to a highly competitive market. Toilet soap, once only an urban  phenomenon, has now penetrated practically all areas including remote rural areas. Theincremental demand flows from population increase and rise in usage norm impacted as it is  by a greater concern for hygiene. Increased sales revenues would also expand from upgradation of quality or per unit value. As the market is constituted now, it can be divided into four price segments: premium,  popular, discount and economy soaps. Premium soaps are estimated to have a market volumeof about 80,000 tones. This translates into a share of about 14 to 15%. Soaps form the largest pie of the FMCG Market with bathing toilet soaps accounting for  around 30% of the soap market, by value. Currently, the soap industry is divided into threesegments namely Premium, Popular economy/Subpopular. To  fight  competition,  major  players  Hindustan  Unilever  Ltd  (HUL),  Godrej and Wipro Consumer Care Lighting are now drawing up fresh game  plans. And the accent is clearly on innovation to gain mind share as well as market share inthis overcrowded  category. P’S OF MARKETING {MARKETING MIX} 4p’s of marketing is the base of marketing. The decisions in marketing namely depends on mix marketing . This concept give sense to the owner that in what way product can be produced in market. A manufacturer can capture the market by applying 4p’s systemically. 4p’s of marketing is as und er: 1. Product 2. Price 3. Place (distribution) 4. Promotion There are two types of promotion- 1. advertising 2. sales promotion 1 . Product:- Product is anything that is offered to satisfy needs and wants of the customer. So that they can easily survive. . Price:- When ever company launches a product in the market they have to fix certain price according to the product so that customer buys the product economically. 3. Place (distribution) Place is also called distribution. If a company launches a product in market it should be made available conveniently so that the consumer can easily buy it. If distribution is not proper in the market the product may fail. 4. Promotion Promotion is the mode of communicating with the customer. This is the area where people get to know about the product. PRODUCT Godrej products have been aptly considered as a marketing miracle and this is reflected in the strength of the brand. Godrej has successfully challenged and changed the conventions of soap marketing and today leading business schools are analysing its strategies to demystify this miracle. Godrej’s core marketing thrust revolves around prompting consumer trials by offering a good quality product at most competitive price and retaining these new consumers by continuously offering the same Value For Money equation. This is borne by the fact that today Godrej can boast of a strong brand loyalty from its 400 million consumer base. Godrej has been increasingly successful in extending its brand equity to other product categories like deodorants, Premium Toilet Soaps, hair colour, thus opening new vistas to the field of Brand Building. By launching its old product in a new way to target the lower middle customer base segment, it is reaching out to a wider scope by improving Ganga soap in terms of added ingredients, soothing fragrance and keeping the skin fresh. Not only it contains the new added functionalities but also the trust of keeping up with the relationships with the new and existing customers. PRICE For harried housewives, struggling to balance their monthly budgets, or people who cannot afford premium soaps, for its natural properties, it is indeed affordable. It is much cheaper than its counterparts like dettol, which had already gone well out of their reach. Its cleansing power is far superior. It is estimated that by the mid 2011, the burgeoning sales of Ganga soap will reach a rate of growth that is twice or thrice that of the industry in general. Moreover, Ganga operates in the small-scale sector and, therefore saves an enormous amount of excise duty that multinationals have to pay on every unit produced. The latter simply could not hope to bring the price down to a level that was attractive enough for the middle and lower-middle classes, which will be the bulks segments for Ganga sales. The pricing policy adopted by Godrej for Ganga soap i. e. adequate Quality at an Affordable price has challenged the mighty HLL’s Dettol. Ganga soap 50gm| 15. 00| Ganga soap 100 gm| 25. 00| The Ganga soap name itself is a guarantee of quality for the consumer. It will find ready acceptance. Today, Ganga toilet soap is priced in the range of Rs. 15. In comparison to Gangas price range, HLLs toilet soap brands are priced at a slight premium. LifeBuoy is priced at Rs 24, and LifeBuoy Gold at Rs29. The price of Rexona is Rs29. 50. Primarily the area where Ganga will save millions will be in labor costs. Being a cottage industry Ganga was not compelled to abide by minimum wage rules. that started to mechanize their production process. Ganga’s labor costs for 8000 workers is estimated to be between Rs 15-20 per person day in comparison to HLL who paid their semi-skilled workers approximatelyRs 30-40 per person day. DISTRIBUTION {PLACE} Ganga is estimated to sell over 800,000 units of soap in the starting year and expects a 35% share of the Indian soap market, thus striving to become one of the world’s biggest soap brands. The brand promotion efforts are complemented by distribution reach and market penetration, through a country wide network of 400 distributors and over 2 million retail outlets, making the product available from the smallest rural village to the largest metro. The product set up for Ganga a parallel distribution and sales channel consisting of independent sales force. A two-tier network, the distribution channel is flat enabling swift market response. The company takes great care that the new brand did not cannibalize on the existing brands. The company portfolio today complements the product range, furthering the companys strategy of Value for Money. PROMOTION Gangais looking for advertising only after product is launched in place. It is believed that nothing can be more irritating for a customer than to see a product advertised, and then find it has not reached his grocer. Advertising just tells people that a product is available. After that, the product has to stand on its own feet on quality and price. The appearance on the cover has been designed to bring out the freshness of the Ganges, and senses filling with the fragrance of rose water keeping the skin fresh and good smelling. The advertisement that has been made ready for on television has been devised keeping in mind the psyche and choice of the middle class housewives. With the increase the popularity of the T. V. Soaps and there amplified impact on their thinking and daily life, these serials have become an inseparable part of their lives. The new commercial has thus tried to encash on this very aspect. The commercial is a reflection of these soaps and in a way a mockery of these T. V. serials. Thus the commercial has been made to attract a substantial amount of the audience. Furthermore Ganga is shown a â€Å"new and improved look† in its promotional activities which will also be achieved through this new commercial.