The Loss Of Second Language - 1640 Words

good example noted from my experience while working for seniors in Assisted Living was the loss of second language learn in their later life (adulthood). Mr. A who was born in Europe and his first language was Dutch migrated to America, studied, and worked as top level engineer used English as his second language for more than 50 years could not speak English when he turned 93 and his Alzheimer disease worsen. It was difficult for the caregivers to understand and help him with his needs. Though it seems like he could not realize that he lost his ability to speak English, he was seen being frustrated when caregivers misunderstood the need he was trying to convey. Mr. A communicated with his son in Dutch, and the son translated†¦show more content†¦Limiting carbohydrates and saturated fat, and having balanced fruits, vegetables, whole grains, omega like fish, and lean protein provide health benefits that include improving memory. The study in Indian Journal of Psychiatry also shows, in both men and women aged 65 years and above eating fruit and vegetables daily and having fish once a week were associated with a 30%-40% decrease in the risk of Alzheimer s disease, memory loss. Everyone needs to participate in physical and mental exercises. Physical activity helps brain activity and improves memory by increasing cerebral blood flow. Exercise reduces cholesterol in blood vessel and raises heart rate that improves circulation to the brain by improving the efficiency of the heart, allowing it to move blood more effectively throughout the body, including the brain. It also improves the levels of oxygen in the bloodstream and boosts essential ingredient for neural functioning because much oxygen is used while exercising than during resting. The inflow of the oxygenated blood into the brain also reduces the brain bound free radicals. That is why the brain that weighs only 2% of our body consumes 20% of the oxygen we inspire (ten times of its proportion to other body part). Exercise elevates perfusion and diminishes vascular resistance in several regions of the brain ((Delp, Micheal D. et

English - 763 Words

Critique of The Personal Touch Rachael Caney 22164324 Word Count 777 The short story, The Personal Touch by Chet Williamson is a very deceitful and secretive story which includes a man Joe and his secretive relationship with a young women called Miss Squires. The setting is descibed at home where the only character that is known is Mr Priddy himself. There are other characters in the story who are mentioned such as Joe’s wife Mary and Hank, Marys brother. These are flat characters as they are mentioned but do not actually take part in the story. The flat character David Michaelson from the surveillance company is also a prime character in the story although the reader is not given any information about him or the†¦show more content†¦The author also states after Joe reads the letter ‘ Wha, Joe could feel the blood leave his face’. This reaction tells the reader that Joe had realised he is in some trouble. It could be suggested that it is in actual fact Hank, Mary’s brother who is aware of what Joe has been up to, after all Hank and Joe had watched a young girl undress in her apartment across the courtyard. Hank had also initially subscribed Joe to ‘Snoop’ the magazine of electronic and personal surveillance. â€Å" As a joke†, he’d said winking at Joe lasciviously. This could have been a plot to make Joe pay for his mistakes. The letters sent to Mr Priddy had also been set out on a word processor clearly indicating what Joe had been up to. The story is full of deceit and lies and Joe quite clearly feels uneasy. The letter stated ‘ You’ll learn techniques similar to those that led new York city law enforcement officials to the biggest heroin bust in history, that told members of the FBI of a plan to overthrow the state government of Montana by force, that alerted us to your own four month affair with Rayette Squires’. The letter su ggests that Mr Priddy was involved in lots more deceitful subjects than just that of his affair with Miss Squires. The sense of worry andShow MoreRelatedThe English Of The Middle English894 Words   |  4 PagesAmerican English is consistently changing it began with the Anglo-Saxon settlement. The next settlement that helped influence the English language was the Scandinavians which have some words with hybridization with spelling from Old English and Norse origins. During the Middle English period is when the most influencing happened with the Old English being broke down and replaced with the same English system we use today. During the early modern periods standardization began giving a standard forRead MoreEnglish Vs. 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What Role Should Religion Play in Government Policies Free Essays

string(38) " on them for observing their beliefs\." Political Science 1020E Professor Nigmendra Narain Term 1 Essay: What role should religion play in government policies? By Nivedita Sen Student Number: 250589199 Section – LEC 575 In today’s world, religion plays a profound part in many people’s lives and they find it important to firmly follow the guiding principles of a religion. Religion has been around for many years and although different people have their own definition of what it may be, religion is essentially a personal belief system. An individual’s belief system is the set of principles by which the individual lives his/her daily life and which direct his/her thoughts and actions. We will write a custom essay sample on What Role Should Religion Play in Government Policies? or any similar topic only for you Order Now One question that arises in today’s society is: What role should religion play in government policies? This essay argues that religion should play no role in government policies because it would affect democracy of the state, influence laws on the basis of religious grounds and cause oppression of minority religions. In this essay, I first put forward 3 arguments on why religion should play no part in government policies and support these arguments with a range of scholarly articles. Next, I present two counter arguments followed by a rebuttal for each. This is followed by my conclusion, which re-states why religion should play no role in government policies. Religion is a significant factor in determining the quality of a democratic system (Braithewaite 2). Freedom of religion, or generally freedom of ethics, means that one does not need to agree with or acknowledge a religion or belief if it is against his or her wish. Furthermore, one should not be penalized if he or she wishes to follow one religion over the other or no religion at all. In a democratic system, a person’s religious faith is an extremely personal subject. Everybody should have the right to follow any religion they desire as long as their religious beliefs are not imposed on others. The social impact of a religion greatly depends on whether it is supported by the majority or the minority of the population. A religion supported by the majority has a significant effect on government and on societal principles. This majority religion dominates and impacts the government considerably by either controlling the government. In order for a democracy to function, there needs to be complete separation of religion from government. Addressing the connection between religion and democracy John Adams questioned, â€Å"Can a free government possibly exist with religion† (qtd. in Braithewaite 2). Similarly, James Madison asked, â€Å"What influence in fact have ecclesiastical establishments had on civil society? In some instances they have been seen to erect a spiritual tyranny on the ruins of civil society†¦in no instances have they been seen the guardians of the liberties of the people† (qtd. in Braithewaite 2). If religion plays a part in influencing government policies, there will one majority religion achieving control over the government. This will result in religiously inspired policies dominating the social dimension and citizen equality being affected. According to Braithwaite, this happens because the size of the majority religious group can influence the society and create individual preferences (Braithewaite 4). This causes the establishment of particular norms and rules about conduct of behaviour on the basis of the preferences of the majority religious group. These norms discriminate against people who do not agree with the beliefs of the majority group (Braithwaite 4). As a result, the democratic system is affected with the minority groups losing trust in the government as they see the majority group’s religious beliefs improperly influencing the state. Morals are norms of behaviour that the society acknowledges. Religion sets rules and customs for its followers. These religious rules influence the legislative system. If religion plays a role in government policies, it would also influence laws. For example, religious beliefs and morals influence abortion laws in many parts of the world. It is still looked upon as morally wrong on the basis of religious ideas to undergo an abortion procedure. Phillip Montague points that â€Å"legal and political debate and decision making should be governed by standard criteria for assessing reasons and reasoning, and when religious considerations fail to satisfy such criteria, they should not be allowed to influence matters of law and public policy† (Montague 17). He further states that these matters consist of abortion, capital punishment, and euthanasia along with numerous subjects of social justice such as welfare policies. Montague claims that in comparison with secular reasons, â€Å"religious reasons fail by a wide margin to deal adequately with the complexity of such issues† (Montague 17). For instance, a person who argues that homosexuality is morally wrong for the reason that it opposes the divine law would be referring to religious grounds to support his argument and not secular. Individuals should not be arguing for restrictive laws or policies if they do not have secular grounds to support them. They should only put across views that are based on secular reasons (Rosenblum 23). The results from Braithewaite and Bramsen’s study which examined the effects of SRAS on democracy showed that when the laws in a state are extremely sectarian and not secular in nature, the state is likely to be less democratic (Braithewaite and Bramsen 244). When religion is mixed with state, the outcome is societal norms created on the basis of religious beliefs of the majority religion and laws that are in some way influenced by it. As Nancy N. Rosenblum points, partisan faith may forbid certain practices such as consumption of alcohol, abortion, setting up some foreign policy goals et cetera on the basis of religious reasons. (Rosenblum 21). These norms of behaviour and religiously influenced laws are also imposed upon citizens who do not adhere to the majority religion and take away their freedom of faith. Some minority groups have experienced disadvantages inflicted by the state when they were not exempted from laws that called for conduct which did not agree with their beliefs, or which inflicted additional costs on them for observing their beliefs. You read "What Role Should Religion Play in Government Policies?" in category "Papers" They argue that enforcing such laws causes them to be penalized on the basis of their religion and prohibit them from fair membership in the society (Smithey 89). Therefore religion should be kept separate from the state or government. Another issue arising from the interference of religion in government policies is that religious minority groups may face oppression from the religious majority groups, resulting in tension between the two groups. As stated in the Canadian Charter, â€Å"policies that privilege the religious beliefs of some and not those of others pose equality problems ecause of the potential for creating in-groups and out-groups on the basis of religion† (Smithey 88). This may lead to things such rebellion by minority groups, conflicts and violence. Arabs form a minority group in Israel and one cause for Israel banning Kach (religious party in Israel), whose policy was forcing the â€Å"transfer† of Arabs from Israel, was creating social violence. Arabs were described by Meier Kahane as â€Å"cancer in the midst of us†¦ Let me become defense minister for two months and you will not have a single cockroach around here! I promise you a clean Eretz Yisrael† (Rosenblum 39). A study conducted by Jonathan Fox describes separation of religion and state (SRAS) as no government support for religion and no government intervention in the religious observations of the religions in a state, whether they be a minority religion or a majority religion (Fox 3). The results from Braithewaite and Bramsen’s study which examined the effects of SRAS on democracy showed that a state that gives preference a particular religion is likely to be less democratic (Braithewaite and Bramsen 244). It also indicated that creating a state religion and putting constraints on religious minorities also decreases democracy in a state (Braithewaite and Bramsen 244). If the level of democracy in a state is less, it would automatically lead to conflicts between religious groups, with the minority getting oppressed by the majority because of their large population. Religious tyranny may result in the minority groups expressing their frustration by rebelling and means of violence. Therefore, religion should not play any part in government policies. Many people may argue that religion should play a part in government policies and church and state should not be separated because any organised religion is comprised of a code of conduct or a set of acceptable principles to live by forms the moral foundation of a society and helps to guide people. However, every religion has a different code of conduct. What may be acceptable by one religion might not be acceptable by another religion. If the state decides to follow the principles and morals of the majority religion, the minorities will not accept it. This will cause clashes of beliefs and conflicts among religions, leading to a decrease in the level of democracy in the state. Also, there might be people who believe that they should follow their own set of morals and not be over shadowed by an organised religion. According to Ates Altinordu’s study of Turkish Islam in the post 1970 time period, Turkey’s leading social and political groups recognized Islamic activities as a threat to their identities and happiness (Altinordu 521). Olivier Roy firmly states that under such situations, Muslim activists possibly might face circumstances similar to that faced by a religious minority in spite of living in a society where the majority religion was Islam (qtd. In Altinordu 521) People might also argue that if religion plays a part in government policies, it will bring about unification of all the people in the state under one religion. However, this will again bring about inequality among the different religions within the state as the majority religion will dominate other religions. The minority will not have a say as they will be overshadowed by the majority. Government cannot mandate a religion over its citizens. For example, a Turkish woman’s application against banning of the Islamic headscarf was rejected by the European Court of Human Rights (Somer 13). A person has should have the freedom to practice his/her religion and wear a headscarf. Therefore, religion should be kept away from politics and should playa absolutely no role whatsoever in government policies. This essay addressed the question: What role should religion play in government policies? It argued that religion should play no role in government policies. It proved this by showing that if religion played a part in government policies, it would affect the democracy of the state, influence laws on the basis of religious grounds and cause oppression of minority religions. It is evident from this essay that mixing religion with government policies only causes conflicts. A person’s religion should strictly be a personal matter and should not be inflict or forced upon other people. More research should be done and surveys should be conducted throughout different counties with different cultural backgrounds to see how interference of religion in government policies adversely affects the democracy of the country and its citizens. Ideally, all countries would be secular. Although complete secularism is difficult to achieve, the separation of church and state will bring about some form of secularism. This situation would be beneficial to all the citizens and no one will face injustice. Works Cited Alt? nordu, Ates. â€Å"The Politicization of Religion: Political Catholicism and Political Islam in Comparative Perspective. † Politics ; Society 38. 4 (2010): 517-51. Web. Brathwaite, R. , and A. Bramsen. â€Å"Reconceptualizing Church and State: A Theoretical and Empirical Analysis of the Impact of Separation of Religion and State on Democracy. † Politics and Religion 1. 1 (2011): 1-35. Web. Brathwaite, Robert. Measuring Church and State: Religion, Culture, and the Impact on Democracy. † SSRN eLibrary (2010)Web. Fox, Jonathan. â€Å"World Separation of Religion and State into the 21st Century. † Comparative Political Studies 39. 5 (2006): 537-69. Web. Montague, Phillip. â€Å"Religious Reasons and Political Debate. † Social Theory and Practice 30. 3 (2004; 2004): 327-349. Web. Rosenblum, Nancy L. â€Å"Banning Parties: Religious and Ethnic Partisans hip in Multicultural Democracies. † Law Ethics of Human Rights 1. 1 (2007): 3-61. Web. Rosenblum, Nancy L. Religious Parties, Religious Political Identity, and the Cold Shoulder of Liberal Democratic Thought. † Ethical Theory and Moral Practice 6. 1 (2003): 23-53. Web. Smithey, Shannon Ishiyama. â€Å"Religious Freedom and Equality Concerns Under the Canadian Charter of Rights and Freedoms. † Canadian Journal of Political Science/Revue Canadienne de Science Politique 34. 1 (2001): 85-107. Web. Somer, Murat. â€Å"Moderate Islam and Secularist Opposition in Turkey: Implications for the World,Muslims and Secular Democracy. † Third World Quarterly 28. 7 (2007): pp. 1271-1289. Web. How to cite What Role Should Religion Play in Government Policies?, Papers

Computing Sustainable Global Development -Myassignmenthelp.Com

Question: Discuss About The Computing Sustainable Global Development? Answer: Introduction The big data plays a significant role in forming the development of technology and implementing improved technology for the various organizations (Hashem et al., 2015). Big data analytics would comprise of forming the development of the activities of the organization. The big data analytics would help the deep involvement of the operations of the data management. The data management using big data analytics would help the effective modification of the organization (Chen et al., 2015). The IOT devices are helpful for implementing the improved activities so that the business organization would be helpful for forming the effective development. The cloud system analysis would help the business development for increasing the effective and compact development of the data access for the users. The use of the cloud system analysis would help the business development for ensuring that the improved system would be aligned (Jin et al., 2015). The specific modification of the cloud system modifi cation has helped the business organizations for improving their functions and operations and expanding their global reach to customers. The following assignment is deployed for ensuring that the factors of big data challenge for IOT and Cloud network. The report consists of a literature review of the topic for ensuring that necessary and improved information is collected on the topic. The analysis of various literature has helped them in developing the accurate and sufficient operations for the organization. The alignment of the improved functional analysis would also comprise of forming the successive development of the functions. The analysis would provide the option for sorting out the various factors of issues, challenges, and their appropriate solution for the use of big data in the technology of IoT and Cloud network. The report would also comprise of analysis of the advantages and disadvantages of performing the research on the topic of big data issues in IoT and Cloud system. Literature Review on Big Data challenges in IoT and cloud The study of the various literature and articles on Big Data, IoT, and Cloud network has resulted in forming an influential analysis of the topic for forming the general inference on the issues and challenges of the big data in IoT and Cloud system. The Big Data has been influencing the prospect of development of the operations in improved functional development along with enhancing operations (De Francisci Morales et al., 2016). The big data represents the analysis factors for the accountability of the large scale of data usage. The literature review of the big data challenges in IoT and Cloud would be done in the following five sections. Definition of the terms According to Riggins and Wamba (2015), the big data refers to the technology of managing large scale of the data in a single database so that the users can get the benefit of an integrated database. Many large industries had implied the big data technology for ensuring that they can use the technology for globalization. The big companies like Microsoft, Apple, Woolworths, and other global giants have implied the technology for effectively implying the development of the profound system development. The improvement of the improved factors would help in forming the supplementary management of the activities. As discussed by the Srivastava and Chaudhari (2016), the IoT stands for Internet of Things, and it refers to technological instruments that have been helpful for forming the implementation of the advanced technology. The IoT devices and technology would be helpful for forming the successful implication of the effective and improved processing. The use of the IoT devices would allow the users for forming the improved analysis of the operations with the help of IoT devices. The IoT devices are helpful for compiling the development of the technology with the help of effective and improved operations. Sun et al. (2016) have described the cloud computing regarding the technology that forms a virtual database for the users to access and use while ensuring that effective and improved communication is established. The cloud computing system is very helpful for forming the rift in establishing the effective communication in the organization. The cloud network system would allow the modification of the system for developing the improved analysis. Role of Big Data in IoT technology Big data plays a vital role in IoT technology by forming ease of storing the large amount of data that would be required for the framework (Perera et al., 2015). The increase in the volume of data storage would be the primary benefit for the organization by the use of the big data analytics. The supplementary implication of the effective and improved operations would be helpful for forming the supplementary development of the information processing. The big data analytics have helped the organizations to receive the information and store them in a concentric database from the IoT devices. The implementation of the successive development model would help the development of the improved functional analysis. According to Chen et al. (2014), the IoT devices would be connected to other devices using Bluetooth, Wi-Fi, or other means to implement the successive information transfer and access. Role of Big Data in Cloud System The advent of cloud technology was a landmark event for the information system development and storage system (Botta et al., 2014). The cloud system provides a virtual memory to the users so that they can store and access the information whenever required. The Cloud technology had been largely used for effective and improved functional operations. The deployment of the big data information would also help in building the cloud system storage. The Cloud system required big data for forming the effective data analysis. The cloud and big data have been running simultaneously, and it would help in forming the development of improved functions (Hashem et al., 2016). Many global leaders are using cloud computing technology for integrating their operations in the effective and improved operations. Probable Challenges of Big Data in IoT technology The big data technology had been integrated with the IoT technology for easing the implementation and utilization of the information processing (Lee Lee, 2015). It had helped in easing the information processing technology and developing effective operations for the organizations. The probable challenges of using Big Data in IoT technology are helpful for forming the rift in implying effective communication in the organization. The challenges have formed negative impact on the factors like technology, privacy policy, and ethics. According to Tsai, Lai and Vasilakos (2014), the use of big data analytics has resulted in forming the issues related to the storage of the data for IoT devices. The big data storage requires a considerable amount of storage for storing the vast numbers of data. It is probable that the IoT device would require that huge amount of storage for forming the capacity of big data storage. The advent of employing improved data storage would allow the users for forming the consolidated and fixated database. Many IoT devices are compact and it becomes a major issue for deploying the mass storage in the system. For example, the fingerprint identification devices for large-scale industries would require inputting fingerprint and records of hundreds of thousands employees and staffs. However, the device would not be able to store records and fingerprint of so many people altogether. Hence, it would be required for storing the data in a network accessible storage that would be connected to the Io T device. It would give rise to the security concerns for the organization. Ranjan (2017) have stated that the storage of big data is always accompanied by the data security problems. The data security is a major concern for the organizations that store data on big data platform of IoT devices. The IoT devices are connected to the internet cloud network that makes it accessible for the required users. However, the network can also be accessed by external users. The data development is largely responsible for forming the edge of clearing the development model. The slackness of the security would tend to expose the data to unauthorized users also. It would result in the misuse of the existing data by those users for their benefits (Peng et al., 2016). For example- If the database stored in the bill printing machine of a retail store is accessed from outside, then the hacker can access the names of the potential customers, suppliers, and other information of the retail store. Then he/she can use that information for gaining personal benefits by selling it to th e potential buyer (i.e., competitors of the retail store. As explained by Cui, Yu and Yan (2016), the compatibility issue is one of the major factors that have formed the hindrances in deploying the big data in the IoT devices. The big data storage is not present in the IoT devices and it is required for managing the supplementary development of the operations. The compatibility issue arises when the stored data on the big data platform would form the major issues in being used at the IoT devices. The file type compatibility is very crucial for the deployment of the improved functional development (Ning et al., 2015). The compatibility issue would result in making the data void from being used through the IoT devices. The implication of the improved functions would be helpful for forming the successful implication of the operations. The analysis would allow the formation of the improved activities for the modification of the activities. However, the compatibility issues are the major factor for the formation of the improved big data analysis in the IoT devices. Probable Challenges of Big Data in Cloud system The probable challenges of the big data technology in cloud system include the management issue, privacy issue, and replication of the data (Biswas Giaffreda, 2014). The cloud system makes the data accessible to all authorized users. However, the cloud network can also be accessed by external users and it would give rise to the problem of integrity of the data. Moreover, the cloud network can form the issues in integrating the development of the data due to the occurrence of the data duplication. According to Daz, Martn and Rubio (2016), the data management issues arise when the system become incompatible with being managed by the users. The implication of the profound system development would allow the integration of the data in a specific platform. The data management issues are aligned with the development of the operations and it would form the hindrances in developing the operations of the organization. The big data analytics comprises of generating a huge amount of data that must be managed for being used in the IoT devices (Baccarelli et al., 2016). The data management includes entering, storing, modifying, and aligning the activities of the organization for forming the improved operations. The issues of data management had been largely impacting the formation of the operations for the cloud system. The data management in the cloud is largely impacted due to the probability of the issues raised from the large storage. On the other hand, Aazam et al. (2014) have pointed that the data infiltration is a major issue of the big data in cloud system as it results in forming the privacy hindrance for the organizations. The data infiltration is a major factor that forms the rift for the deployment of the effective cloud network. The cloud network results in data infiltration due to the technical security issues. The issues of the network infiltration would develop the formation of the occasional and profound network system (Hansel et al., 2015). The external users would tend to integrate the probability of the data issues in the organization. The data infiltration would result in forming the issues of the data being exposed to external users. The data infiltration would result in forming the integration of the supplementary development model. For example- Online retail stores have been facing some data security infiltrations that have extracted a considerable amount of information regarding clients inform ation and operations. As opined by Cecchinel (2014), the replication of the data is another major issue for the cloud computing system. The replication of the data is caused due to the issues in the implication of the improved functional development. The cloud computing system would be deployed for forming the occasional and supportive deployment of the data processing. The data replication would tend to involve the data redundancy feature of the data processing. The cloud computing system would tend to form the management of the improved analysis and it would involve the completion of the supportive and compact system development (Cai Zhu, 2015). The replication of the data is resulted due to the operational and combinational development. The data replication would result in forming the duplication of the data in the organization and it would consume more memory than required for the organization. For example- the details of the customer can be mistakenly stored in both purchase files and bill receipt f ile of the database unless both of them are integrated into one main database (Sadeghi, Wachsmann Waidner, 2015). The information would again be duplicated in customer details file as well and payment received file. The study by Da Xu et al. (2014), have helped in forming the rigorous analysis of the factors of risk analysis and deploying effective and improved analysis models. The use of the literature and research journals would allow the integration of the various probable issues generated due to the use of Big Data Analytics in the IoT technology and cloud system. The big data development results in forming the analysis of the large scale of information and data. However, it had tended to bring the issues of security, management, and technology for the users. The security issues can be sorted out by analyzing them and forming appropriate solution to the issues of the big data implication for the IoT and cloud system. The integration of the operations of the data would involve the formation of the supplementary development of the activities. The operational development for the organization would allow the formation of the support and development of improved operations for dealing with the pro bability of the occurrence of the issues (Matharu, Upadhyay Chaudhary, (2014). The mitigation strategies would allow the formation of the supplementary development of the operations for fixing the probabilities of the operational development. Issues, Challenges, and Solutions on Big Data challenges The Big Data technology had been helpful for increasing the growth of the operations by forming the improved functions (Firouzi et al., 2018). The technology development had resulted in forming the improvement of the operations and successive system development. The use of big data has been largely helpful for carrying out the successive development of the improved operations. However, the implementation of the activities would tend to result in forming some issues and problems such as need of huge data storage, data security issues, compatibility issue, data management issues, data infiltration, and data replication (Jing et al., 2014). The probability of the issues is dependent on the use of the technology and the effective deployment of the operations. Issues of Big data in IoT and Cloud System The issues of using the big data in IoT devices and cloud system are techno-management based and it has been seen that these issues have impacted the functionality of the device or system resulting in impacting the organization functionally, financially, and technologically. The issues of implementing big data in IoT and cloud system are need of huge data storage, data security issues, compatibility issue, data management issues, data infiltration, and data replication (Al-Fuqaha et al., 2015). The issues have been explained in the following points, Need of huge data storage: The use of big data analytics has resulted in forming the issues related to the storage of the data for IoT devices and cloud system (Bifet, 2016). The big data storage requires a considerable amount of storage for storing the vast numbers of data. Many IoT devices are compact and it becomes a major issue for deploying the mass storage through cloud network in the system. Hence, it is important for ensuring that improved data storage is installed in the organization. The authentic and systematic deployment of the operations would help the business organization for developing the consolidated factor for developing operations. Data security issues: The data security is a major concern for the organizations that store data on big data platform of IoT devices and cloud system. The IoT devices and cloud system are connected to the internet cloud network that makes in accessible for the remote users (Psomakelis et al., 2016). Hence, the external users can also get the probability of accessing the database and extracting information from the database. The slackness of the security would tend to expose the data to unauthorized users also. It would result in the misuse of the existing data by those users for their benefits. Compatibility Issue: The compatibility issue arises when the stored data on the big data platform would form the major issues in being used in the IoT devices and cloud system. The file type compatibility is very crucial for the deployment of the improved functional development. The compatibility issue would result in making the data void from being used through the IoT devices. Data management issues: The data management issues are aligned with the development of the operations and it would form the hindrances in developing the operations of the organization (Conti et al., 2018). The big data analytics comprises of generating a huge amount of data that must be managed for being used in the IoT devices and cloud system. The issues of data management had been largely impacting the formation of the operations for the cloud system. Data infiltration: The data infiltration is a major factor that forms the rift for the deployment of the useful big data for IoT devices and cloud system. The cloud network results in data infiltration due to the technical security issues. The external users would tend to infiltrate the probability of the data issues in the organization. The data infiltration would result in forming the issues of the data being exposed to external users. Data replication: The replication of the data is caused due to the issues in implication of the improved functional development of IoT devices and cloud system. The data replication would tend to involve the data redundancy feature of the data processing. The data replication would result in forming the duplication of the data in the organization and it would consume more memory than required for the organization. Challenges due to the issues of Big Data in IoT and Cloud System The issues of implementing big data in IoT and cloud system are need of huge data storage, data security issues, compatibility issue, data management issues, data infiltration, and data replication. These issues have impacted the functionality of the device or system resulting in impacting the organization functionally, financially, and technologically (Cai et al., 2017). The issues of the big data in IoT and cloud system would have to face the 3V Challenge, Hardware Challenge, Scalability Challenge, Management Challenge, and Skill Requirement Challenge. 3V Challenge: The 3V in big data stands for volume, veracity, and velocity and implication of big data in IoT and cloud system would tend to face these challenges. The big data implication would ease the processing of the data and information (Wang Ranjan, 2015). However, the implication of big data in IoT and cloud system would have to face the problem of amount of data available. The problem arises when a large number of data arrives from a single source or data arrives from some sources. In both the situations, the analysis of the data and derivation of a meaningful outcome from the data would be required. The variable resource of the information and data would tend to form the issues in data storage. The velocity refers to the prospect of the speed of the data receiving from the source (Yaqoob et al., 2017). If the overall incoming pace of the data in very high and higher than that can be managed by the IoT devices and cloud system, then it would raise the challenge of managing the big data. Hardware Challenge: The utilization of the big data for increasing the performance capacity of the operations of IoT devices and cloud system would tend to get issues in implying the successive hardware issues (Cartier et al., 2016). The data warehouses are required for ensuring that improved data analysis and modification is being used. The organizations require the massive data warehouses for propagating the operations of the hardware demonstration model for big data analytics. The hardware data analytics would ensure that the effective and improved operations would be employed. The organization would have to ensure that the improvement of the probable system development would allow the integration of the operations. The hardware challenges would enable the probability of captivating the operations. The organizations have to employ a skilled big data programmer or provide the contract from external (Yang et al., 2017). The organizations would have to employ near real time intervals for the deployment of the improved functions. Scalability Challenge: The scalability challenge of the project is due to the increase of the data for the projects rapidly. The storage of the data would tend to form the possible abrupt increase or decrease of the data flow (Baesens et al., 2016). It would tend to form the operational development in information for managing the data level scaling. The scalability challenge rises when the organization undergoes growth and development. The scalability challenges would tend to form the issues in lateral development of the operations. The organization would have to face the issue of managing the scalable data integration. The help of the scaling of the information would enable the organization for using optimized resources in the big data storage. However, the implication of the scalability is not easy as it would result in forming the increment of the complexity in the organization (Plageras et al., 2017). It requires the usage of largely induced system development in the data managem ent for big data analytics. Management Challenge: The data management issues arise when the system become incompatible with being managed by the users. The data management issues are aligned with the development of the operations and it would form the hindrances in developing the operations of the organization (Li et al., 2016). The big data analytics comprises of generating a huge amount of data that must be managed for being used in the IoT devices and cloud system. The data management includes entering, storing, modifying, and aligning the activities of the organization for forming the improved operations. The issues of data management had been largely impacting the formation of the operations for the cloud system. The data management in cloud is largely impacted due to the probability of the issues raised from the large storage. The management of the big data is a major factor that would impact the processing of the information. Skill Requirement Challenge: The skill requirement challenge for big data implementation in IoT devices and cloud system comprises of requiring skilled workers and technicians (Akhbar et al., 2016). The employment of the operations would converge for realizing the development of the skilled operations. The analysis would provide the development of the system development methods. The integration of the operations would help the business development in forming the accurate and confidential operations. The organizations have to employ a skilled big data programmer or provide the contract from external. Hence it is evident that the employees must have skilled information stored for developing the cohesive and successive information processing. The deployment of the operations would result in forming the operational and improved development model. Probable Solutions of the issues of Big Data in IoT and Cloud System All the issues of big data implementation in IoT devices and cloud system would result in forming the general issues and hindrances in bid data analytics of IoT and cloud system. The probable solutions for the issues and challenges are standard configuration, relational data access methods, and optimization of data processing. These three steps would help in dealing with the issues of security and privacy, data management, data scalability, and data access. Standard Configuration: The use of the standard configuration for the data access would allow the users to the development of the effective and improved functional development (Cortes et al., 2015). The analysis would help the business organization for forming the limited and effective system development functions. The improved functional operations for the data storing and modifying can be done by the standard configuration of the operations. The alignment of the operations would allow the users for forming the system development. The standard configurations of the use of the data storage in the number of compatible operations would be helpful for ensuring that improved functional operations. The configurations would include use of JSON, BSON, and XML formats. These standard configurations would allow the implementation of the supportive development methods. The implication of the standard configuration methods would be helpful for listing the most effective system operations (Peng et al., 2016). The analysis would deploy the modifications of the activities and it would also result in forming the appropriate development. The analysis had helped in forming the modification of the operations and carrying out the development of the improved data modification. Relational Data Access methods: The relational data access methods would be helpful for forming the improvement rift in the operations. The big data implementation for IoT devices and cloud computing would allow the integration of the improved processing and development (Ning et al., 2015). The access to the data would tend to develop the smart access in the organization for the modification of the operations. The use of JDBC/ODBC would be helpful for standardization of the relational data access method. The implication of the relational data access method would help in developing the improved processing and operations. The relational data access methods would be helpful for the modification of the effective and improved operations. The use of the system developed functions would be helpful for modifying the improved functional analysis. The implication of the relational data would allow the implication of the successive development factor. Optimization of data processing: The optimization of the data processing would help in forming the accurate development model for the operations. The data processing for the big data would consume a huge amount of time and functions (Perera et al., 2015). The formation of the operations would allow the integration of the supplementary and actions. The formation of the profound development method would be helpful for forming the modification of the implicit development. The analysis of the development would be helpful for fixing the compact development method. The analysis would be helpful for carrying out the data processing for the organization. The data management using big data analytics would help the effective modification of the organization. The IOT devices are helpful for implementing the improved activities so that the business organization would be helpful for forming the effective development. The cloud system analysis would help the business development for increasing the effective and compact development of the data access for the users (Jin et al., 2015). The use of the cloud system analysis would help the business development for ensuring that the improved system would be aligned. Future Research on topic Big data implication in IoT devices and cloud computing would be helpful for improving the prospects of most of the industries and organization. However, the implication of big data would be more beneficial for healthcare and market study sectors. These two sectors would be largely assisted by the implication of the big data technology. The analysis has also helped in carving the modification of the existing facilities to deploy the improved functional development. Big Data technology in Healthcare industry: Big data has been widely used in most of the commercial sectors and the implementation of the technology in healthcare would provide a massive factor for the development of the improved operations. According to Ranjan (2017), the use of the successive and optimized process would be helpful for carrying out the supplementary development of the improved activities. The organizational processing is helpful for modifying the existing facilities. The implementation of the existing facilities would be helpful for forming the development of the existing technology. The big data would help in easing the process of treatments for the patients. The implication of the big data technology would help the faster data transfer and collaborative modification of the operations. The analysis of the adaptive and cohesive technology for managing the database in the healthcare industry would help in adapting the probability of the improved functional developmen t (Biswas Giaffreda, 2014). The simplification of the operations would be helpful for forming the development of the improved services for the healthcare industry. Big Data Analytics in Market study: The use of big data analytics would be helpful for the studying of the improved functional analysis of the operations (Peng et al., 2016). The market study requires processing of the huge number of data and information. The implication of the proactive formation of the analysis would allow the use of the improved functional analysis. The support and the development of the operations would help the market study analysis for the organizational development factor. The large-scale data and information would help the researchers for analysis of the market trends. The market study would help in improving the economic conditions of the organization. The analysis had also helped in carving out process of the operations. The activities of the operations would be helpful for forming the development of the operations and analysis. Advantages and disadvantages of research The advantages and disadvantages of the operations would be helpful for forming the development of the implication. The advantages of using the research would be helpful for the development improvement of the operations (De Francisci Morales et al., 2016). The initial analysis of the factors of challenges would form the basic information accumulation that would be helpful for forming the mitigation strategies. The use of the technology development would help the organizations for improving the performance and scale of their activities. The big data would help in easing the process of treatments for the patients. The implication of the big data technology would help the faster data transfer and collaborative modification of the operations. The analysis of the adaptive and cohesive technology for managing the database in the healthcare industry would help in adapting the probability of the improved functional development. The simplification of the operations would be helpful for formin g the development of the improved services for the healthcare industry. The implication of the proactive formation of the analysis would allow the use of the improved functional analysis (Lee Lee, 2015). The support and the development of the operations would help the market study analysis for the organizational development factor. The activities of the operations would be helpful for forming the development of the operations and analysis. However, the study would form the exhaustion of resources along with the consumption of time and interest. The main disadvantages of using the big data in operations of varied industries are that the probability of the security flaws would overtake the benefits provided by the system (Perera et al., 2015). The external users would tend to infiltrate the probability of the data issues in the organization. The data infiltration would result in forming the issues of the data being exposed to external users. The slackness of the security would tend to expose the data to unauthorised users also. It would result in the misuse of the existing data by those users for their benefits. Conclusion It can be concluded from the assignment that there are many issues in integrating big data technology with the IoT devices and cloud computing. The study of the various literature and articles on Big Data, IoT and Cloud network has helped in forming the general inference on the issues and challenges of the big data in IoT and Cloud system. Many large industries had implied the big data technology for ensuring that they can use the technology for globalization. The use of big data technology had been integrated with the operations of the technology and its simplified implication model. The support of the developed operations would help the organizations for facilitating the growth and development of the organization. The study had helped in realizing the probable challenges of using Big Data in IoT technology and the probable challenges of the big data technology in cloud system include the management issue, privacy issue, and replication of the data. The cloud system had made the dat a accessible to all authorized users. However, the cloud network had been accessed by external users and it gave rise to the problem of integrity of the data. Moreover, the cloud network had formed the issues in integrating the development of the data due to the occurrence of the data duplication. The issues of implementing big data in IoT and cloud system were need of huge data storage, data security issues, compatibility issue, data management issues, data infiltration, and data replication. These issues of the big data in IoT and cloud system would have to face the 3V challenge, hardware challenge, scalability challenges, management challenges, and skill requirement challenge. The probable solutions for the issues and challenges were standard configuration, relational data access methods, and optimization of data processing. References Aazam, M., Khan, I., Alsaffar, A. A., Huh, E. N. (2014, January). Cloud of Things: Integrating Internet of Things and cloud computing and the issues involved. 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Apophasis in Rhetoric

Apophasis in Rhetoric Apophasis is a rhetorical term for the mention of something in disclaiming intention of mentioning itor pretending to deny what is really affirmed. Adjective: apophatic or apophantic. Also called denial or omission.  Similar to paralepsis and praeteritio. The Oxford English Dictionary defines apophasis by quoting John Smiths The Mysterie of Rhetorique Unvaild (1657): a kind of Irony, whereby we deny that we say or doe that which we especially say or doe. Bryan Garner notes that  [s]everal set phrases in our language signal  apophasis, such as not to mention, to say nothing of, and it goes without saying (Garners Modern English Usage, 2016).   Etymology:  From the Greek, denial Pronunciation:  ah-POF-ah-sis Examples Jeff FisherWe dont make excuses, but three of our four starting defensive linemen were watching the game today.Michele BachmannI find it interesting that it was back in the 1970s that the swine flu broke out then under another Democrat president, Jimmy Carter. And I’m not blaming this on President Obama. I just think it’s an interesting coincidence.Jacob V. LamarAt a White House press conference, a reporter working for a journal published by Extremist Lyndon LaRouche asked the President about rumors that Michael Dukakis once sought psychological help. Look, [President] Reagan replied with a smile, Im not going to pick on an invalid.Richard M. NixonLet me say, incidentally, that my opponent, my opposite number for the Vice Presidency on the Democratic ticket, does have his wife on the payroll and has had ither on his payroll for the ten yearsfor the past ten years. Now just let me say this: Thats his business, and Im not critical of him for doing that. You will have to p ass judgment on that particular point. San Fernando RedIm not going to throw mud at my opponent because hes a fine man. And his wife is a mighty fine woman. Mighty fine. What he sees in that dame hes running around with...The GuardianMary Matlin, the Bush campaigns political director, made the point with ruthless venom at a press briefing in Washington, saying, The larger issue is that Clinton is evasive and slick. We have never said to the press that he is a philandering, pot-smoking, draft-dodger. Theres nothing nefarious or subliminal going on.Robert Downey Jr., Iron Man 2Im not saying Im responsible for this countrys longest run of uninterrupted peace in 35 years! Im not saying that from the ashes of captivity, never has a phoenix metaphor been more personified! Im not saying Uncle Sam can kick back on a lawn chair, sipping on an iced tea, because I havent come across anyone man enough to go toe to toe with me on my best day! Its not about me.John MiltonI shall ignore the fact that Learning is youths finest ornament, the strong support of the prime of life, and the consolation of old age. I shall make no point of the fact that, after careers full of achievement and glory, many of the men who have been most honored by their contemporaries and many of the most eminent of the Romans withdrew from the conflict and hurly-burly of ambition to literary studies, as to a harbor and a delightful treat. Mayor Massimo CacciariIts not my habit to comment on books that dont interest me or, for various reasons, I dont like.Geoff DyerSo even though you’ve seen fit to wash your dirty linen in public like this, shorty, I will refrain from mentioning that it wasn’t me who turned up at the Islington Tennis Centre wearing a Rastafarian headband. 15–0! I also won’t sink low enough to point out that while I may have been the crappiest player of this quartet, my game would presumably have gotten off to a better start if, like you and Byng, I’d lived in a stately home with a tennis court in the back garden. 30–0! Byng: I’ll forget that you still owe me for your share of the indoor-court fee for that game on January  20, 2013. 40–0! As for Ardu, the world is better off not knowing about those famously dodgy line calls. Game, set, and match! Thomas Gibbons and Cicero on Apophasis Thomas GibbonsApophasis, or denial, is a Figure by which an Orator pretends to conceal or omit what he really and in fact declares.Cicero gives us a definition of this Figure, and furnishes us at the same time with instances of it in the following passage: Omission, says he, is when we say we pass over, or do not know, or will not mention, that which we declare with the utmost force. As in this manner: I might speak concerning your youth, which you have spent in the most abandoned profligacy, if I apprehended this was a proper season, but I now purposely wave it. I pass by the report of the Tribunes, who declared that you was [sic] defective in your military duty. The affair about the satisfaction concerning the injuries you had done to Labeo does not belong to the matter at hand: I say nothing of these things; I return to the subject of our present debate. . . .

NaNoWriMo †What It Is and Why You Should Join In

NaNoWriMo – What It Is and Why You Should Join In NaNoWriMo – What It Is and Why You Should Join In NaNoWriMo – What It Is and Why You Should Join In By Ali Hale If you’re an aspiring novelist, but have yet to write your masterpiece, you might want to consider joining in with NaNoWriMo. Say what? NaNoWriMo is short for â€Å"National Novel Writing Month† (though, technically, it’s international). Every November, writers around the world join in a fiction-writing frenzy, aiming to produce a 50,000 word novel in just 30 days. This year is the tenth NaNoWriMo, so it’s a great time to get on board if you’ve always wanted to write a novel, but have never quite got around to it. Are you up for the challenge? You can find out everything you could possibly want to know on the NaNoWriMo website, but here’s the quick run-down for those of you who’re in a hurry†¦ How it Works The rules are pretty straightforward. The basics are that: You shouldn’t start your novel before November 1st You can send your novel to the site (it’s not stored anywhere or read, don’t worry) for word count validation You can’t collaborate with someone else to produce the 50,000 words – but if you get your friends involved writing their own novels, that’s great! You can write your novel on a computer or with pen and paper, but you obviously won’t be able to validate the wordcount if you’re using pen and paper†¦ You need to be over 13 to register on the NaNoWriMo site. Under 18s (including kids under 13) can register for the Young Writers’ version. Facts and Figures 50,000 words in 30 days is 1,667 words a day. If you look at it like that, it’s a challenging but achievable target. Depending on how fast you write, that’s probably 1 – 2 hours work. Last year, over 100,000 people signed up†¦ †¦and 15,000 â€Å"won† by completing 50,000 words by midnight on November 30th. Ali’s Tips I did NaNoWriMo last year, along with my boyfriend Paul and our mutual friend Nick. We all â€Å"won† by completing our novels by the end of the month. (Though I was the first to reach the 50,000 word target†¦) It was a great experience, and I did try to finish and redraft my novel earlier this year, but eventually decided it was better seen as â€Å"practice† than a piece that would be worth further work. I’d definitely recommend: Buy and read the excellent book No Plot? No Problem! by the founder of NaNoWriMo, Chris Baty it’s a great guide to writing a book in a month, and it’s also incredibly funny. Get a partner, housemate or friend involved. It especially helps if the people who live with you understand why â€Å"making today’s wordcount† is more important than cooking dinner†¦ Competing against your friends and loved ones will really spur you on through the tough spots. Don’t worry about the quality of your writing, just focus on getting to that 50,000 word target. (NaNoWriMo is not the best time to work on that wonderful idea you’ve been brooding over for years – try picking something new. If you care about it too much, you’ll get over-perfectionist.) Get as far ahead as you can in the first week †¦ it’s awful playing catch-up later on. If you have a full-time job, try getting up early to write before work (my tactic) or writing through your lunch-hour (Nick’s tactic); it’s a lot easier than trying to pound out words in the evening when you’re tired. If you’re a student, try writing in your library (Paul’s tactic); you won’t have distractions like TV, computer games and the fridge nearby†¦ Finishing a novel is a fantastic feeling †¦ and it’s something that most people in the world will never do, even those who want to be writers. NaNoWriMo 2018 update We are getting close to this great month again. If youre going to participate, I recommend that you take a look at a post from the Reedsy guys with 41 tips to win it. Have you ever done NaNoWriMo? How did you get on? Will you be taking part this year? Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Fiction Writing category, check our popular posts, or choose a related post below:45 Synonyms for â€Å"Food†Social vs. SocietalThe Difference Between "Un-" and "Dis-"

Nursing Children and Childbearing Families Essay

Nursing Children and Childbearing Families - Essay Example Q1d: The use of folic acid during pregnancy can help reduce the risk of developing neural tube defects (NTDs) in the baby by 75% (Atrash, Johnson, Adams, Cordero, & Howse, 2006). Since NTDs occur between the 20th to 28th day after conception, and it takes time for adequate stores of folic acid to build up in the body and a large proportion of pregnancies are unplanned, folic acid supplementation should begin atleast 4 weeks prior to a planned pregnancy (Iqbal, 2000; Jaquier, 2007; Czeizel & Dudas, 1992). Q2a: Some important functions of the placenta include gaseous exchange, excretion, provision of nutrients and metabolic substrates for the fetus and endocrine functions, i.e. production and secretion of several hormones (Benirschke & Kaufmann, 2000). Q2b: One of the most important functions of the human placenta is gaseous exchange, i.e. to serve as the lungs for the fetus. The placenta transfers oxygen-rich blood from the mother to the fetus and returns blood high in carbondioxide a nd other gases back to the mother’s body where it can be re-oxygenated via the mother’s lungs. ... The placenta also facilitates the transfer of all nutrient substances from the maternal body to the fetus which are required during growth and development (Benirschke & Kaufmann, 2000). Lastly, the placenta is involved in the production and secretion of several hormones such as hCG (human chorionic gonadotropin), hPL (human placental lactogen) and placental GH (growth hormone), all of which are required not only for the sustained maintenance of the placenta but also to provide the required stimuli for the growth and maturation of different organ systems within the fetus (Guibourdenche, Fournier, Malassine, & Evain-Brion, 2009). Q3a: For the newborn, breast milk is the source of all the essential nutrients required for the optimal growth and nutrition, including proteins, carbohydrates and fats (Henderson & Scobbie, 2006). Moreover, all these nutrients are present in the correct proportions and quantities needed for the baby during different stages of growth and development as the com position of breast milk changes over time. Breastfeeding also confers protection against a variety of infectious diseases such as diarrhea, respiratory infections, otitis media and urinary tract infections (Henderson & Scobbie, 2006). Breastfeeding is advantageous for the mother too. It has been found to help in the involution of the uterus post-delivery via stimulating oxytocin medicated uterine contractions (Henderson & Scobbie, 2006). It also acts as a natural contraceptive, helping to increase child spacing via causing lactational amenorrhea. From a psychological perspective, breastfeeding has been shown to decrease the levels of anxiety in the mother and

Nursing Essay Example | Topics and Well Written Essays - 500 words - 12

Nursing - Essay Example Notably, nursing practice entails numerous responsibilities and workers need time for adequate rest because of the nature of the job. Moreover, there is a need for a proper compensation for the services in terms of a decent pay (Snow, 2008). However, my current employer does not seem to realize that the organization has not considered salary increment for over 6 years now. During this period, the responsibilities accorded to workers have increased immensely. With many workers expressing their discontent concerning the poor labor practices, there is a need to address the issue promptly. This paper will describe the most appropriate approach to solving the problem. The best approach for addressing the ensuing problem of being overworked and underpaid is by tabling down an outline of all the grievances of the nurses at the health center. In this outline, the nurses will indicate the number of hours they put in on a daily basis, the numerous tasks they are expected to handle each day, and outline the pay they receive for such work. In addition to such an outline, the nurses will also indicate the number of additional staff required to take up some of the responsibilities in an effort to ease the overworking (Snow, 2008). The outline will also indicate the expected pay, compensation, and benefits that each nurse deserves for the work they do. In an effort to ascertain that being overworked and underpaid is a threat to the performance of the health center, the nurses will describe the negative effects resulting from the poor labor practices. There is evidence that many of the nurses are suffering from depression due to work related causes. In addi tion, the nurses are discouraged, and they have been registering numerous eras in their work because of the depression and lack of motivation (‘US nurses overworked, underpaid-and in demand’, 2012). Moreover, the outline presented will also indicate

Assess the strengths and weaknesses of Rational choice theory(RCT) as Essay

Assess the strengths and weaknesses of Rational choice theory(RCT) as an analytic framework for politics and IR - Essay Example Becker was the first to develop the theory and applied rational actor models in economic widely. According to Rational action theory, when there are several course of action to carry out a task, an individual will choose the one which he thinks is most likely to be the best rewarding (Ogu, 2013). This paper will focus on application of RCT in paradigm of Politics and International Relation, with its benefits and drawbacks. In politics and economics, competition has been the main drive for greater power for scarce resources. Semblance of politics and economics and, unravelled nature of relationship between economic and political competition of goods in former case and for power and privilege in the later, has made the theorist to apply economic methods in the study of politics. Some researches show that individuals or representatives in economic and political paradigm acts in the same manner on overall value scale while taking part in market of political activity. In this way, the research shows that the voters are inherently the same as costumers because the same individual is a voter and a customer simultaneously (Tullock, 2006). Since its development by Becker, the rational choice theory came along way and stormed the field of political science. It is because of two important advantages which rational choice theory possesses over its rival theories that are; first, the theory possesses immense analytical advantage. Then, secondly, it is not a mere theory, rather a technique to develop theories. Although, it work with certain other theories, however, it explains the behaviour of political actors while making selection from a certain set of options in order to get their goal with minimal input. Briefly, it illustrates the fashions and ways in which people behave when provided with choices. Similarly, this theory entails the behaviour explicitly depicted by the

Icici Bank Is The Second Largest Bank Marketing Essay

Icici Bank Is The Second Largest Bank Marketing Essay In my term paper I had to discuss 7ps of ICICI bank. 7ps means what the marketing mix they used for promoting their products. It is usually a strategies used by icici bank for promoting their products, or we can say that for promoting their sales. As we know ICICI (Industrial Credit and Investment Corporation of India) is largest private sector bank by market capitalization and second largest overall in term off assets. The growth of the ICICI over the years has proved repeatedly the ability of the institution in adopting new technologies and products. It is through its ability to nourish new products and services that the institution has become a household name in a very short span of time.  ICICI Bank decided to target Indias burgeoning middle class and corporates by offering a high level of customer service and efficiency that rivaled the foreign banks, on a much larger scale, at a lower cost. ICICI offer very services which is very good in comparison to other banks. Credit cards services of ICICI bank are also very good as comparison of other banks. In my term paper I also compare ICICI with HDFC and AXIS bank. INTRODUCTION TO ICICI BANK: ICICI Bank  (Industrial Credit and Investment Corporation of India) is  Indias largest  private sector  bank  by market capitalisation  and second largest overall in terms of assets. Total assets of Rs. 3,562.28 billion (US$ 77 billion) at December 31, 2009 and profit after tax Rs. 30.19 billion (US$ 648.8 million) for the nine months ended December 31, 2009. The Bank also has a network of 1,700+ branches (as on 31 March, 2010) and about 4,721 ATMs in India and presence in 18 countries, as well as some 24 million customers (at the end of July 2007). ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and specialised subsidiaries and affiliates in the areas of investment banking, life and non-life insurance, venture capital and asset management. ICICI Bank is also the largest issuer of credit cards in India. ICICI Bank has got its equity shares listed on the stock exchanges at  Kolkata  and  Vadodara,  Mumbai  and the  National Stock Exchange of India Limited, and its  ADRs  on the  New York Stock Exchange  (NYSE). The Bank is expanding in overseas markets and has the largest international balance sheet among Indian banks. ICICI Bank now has wholly-owned subsidiaries, branches and representatives offices in 18 countries, including an offshore unit in Mumbai. This includes wholly owned subsidiaries in Canada, Russia and the UK, offshore banking units in Bahrain and Singapore, an advisory branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, and representative offices in Bangladesh, China, Malaysia, Indonesia, South Africa, Thailand, the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non-Resident Indian) population in particular. ICICI reported a 1.15% rise in net profit to Rs. 1,014.21 crore on a 1.29% increase in total income to Rs. 9,712.31 crore in Q2 September 2008 over Q2 September 2007. The banks current and savings account (CASA) ratio increased to 30% in 2008 from 25% in 2007. Sensing an untapped opportunity, ICICI Bank decided to target Indias burgeoning middle class and corporates by offering a high level of customer service and efficiency that rivalled the foreign banks, on a much larger scale, at a lower cost. ICICI has around 27 subsidiaries. Of course, the most prominent and most successful among them is the ICICI bank.ICICI Bank is one of the  Big Four Banks  of India with  State Bank of India,  Axis Bank  and  HDFC Bank. 7 PS OF ICICI BANK PRODUCT MIX 1. DEPOSITS ICICI Bank offers wide variety of Deposit Products to suit our requirements. Coupled with convenience of networked branches/ over 1800 ATMs and facility of E-channels like Internet and Mobile Banking, ICICI Bank brings banking at your doorstep. Savings Account: ICICI Bank offers a power packed Savings Account with a host of convenient features and banking channels to transact through. Senior Citizen Services: The Senior Citizen Services from ICICI Bank has several advantages that are tailored to bring more convenience and enjoyment in your life. Young Stars: Its really important to help children learn the value of finances and money management at an early age. Banking is a serious business, but we make banking a pleasure and at the same time children learn how to manage their personal finances. Fixed Deposits: Safety, Flexibility, Liquidity and Returns!!!! A combination of unbeatable features of the Fixed Deposit from ICICI Bank. Recurring Deposits: Through ICICI Bank Recurring Deposit you can invest small amounts of money every month that ends up with a large saving on maturity. So you enjoy twin advantages- affordability and higher earnings. Roaming Current Account: Only Roaming Current Account from ICICI Bank travels the distance with your business. You can access your accounts at over 500 networked branches across the country. Bank @ Campus: Thanks to [emailprotected], child can now surf the Net and access all the details of his / her account at the click of a mouse! No need to visit the bank branch at all. ICICI Bank Salary Account: is a benefit-rich payroll account for Employers and Employees. As an organization, you can opt for our Salary Accounts to enable easy disbursements of salaries and enjoy numerous other benefits too. 2. INVESTMENTS Along with Deposit products and Loan offerings, ICICI Bank assists you to manage your finances by providing various investment options such as: ICICI Bank Tax Saving Bonds Government of India Bonds Investment in Mutual Funds Initial Public Offers by Corporate Investment in Pure Gold Foreign Exchange Services Senior Citizens Savings Scheme, 2004 3. ANYWHERE BANKING ICICI Bank is the second largest bank in the country. It services a customer base of more than 5 million customer accounts through a multi-channel access network. This includes more than 500 branches and extension counters, over 1800 ATMs, Call Centre and Internet Banking. Thus, one can access the various services ICICI Bank has to offer at anytime, anywhere and from anyplace. 4. LOAN a) Home Loans b) Personal Loans c) Car Loans d) Two Wheeler Loans e) Commercial Vehicle Loans f) Loans against Securities g) Farm Equipment Loans h) Construction Equipment Loans i) Office Equipment Loans j) Medical Equipment Loans 5. CARDS a) Credit Card b) Debit cum ATM Card c) Travel Card d) VBV (VERIFY BY VISA): Verified by Visa (VBV)  is a new service from VISA that lets us shop securely online with our existing Visa  Credit card. Usable only on Verified by Visa sites, this service through a simple checkout process, confirms our identity when we make purchases. e) Master Card Securecode: MasterCard ®Ã‚  SecureCodeà ¢Ã¢â‚¬Å¾Ã‚ ¢Ã‚  is an easy to use, secured online payment service from ICICI Bank that lets you shop securely online with your existing ICICI Bank MasterCard ®Ã‚  Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet. f) American express card: With ICICI Bank American Express Credit Card just shop online as you normally would and then enter your correct card information and billing address. We would validate the billing address that we provide with our records and authenticate our transaction. Its that simple and helps in safeguarding our online transaction.If we are unsure what is our billing address on record with us, simply call our 24-hour Customer Care numbers given on the back of the card for a quick check. 6. DEMAT SERVICES ICICI Bank Demat Services boasts of an ever-growing customer base of over 7 lacs account holders. In their continuous endeavor to offer best of the class services to our customers we offer the following features: Digitally signed transaction statement by e-mail. Corporate benefit tracking. e-Instruction facility facility to transfer securities 24 hours a day, 7 days a week through Internet Interactive Voice Response (IVR) at a lower cost. Dedicated specially trained customer care executives at their call centre, to handle all queries. 7. MOBILE BANKING With ICICI Bank, banking is no longer what it used to be. ICICI Bank offers Mobile Banking facility to all its Bank, Credit Card and Demat customers. ICICI Bank Mobile Banking enables you to bank while being on the move. 8. NRI SERVICES ONLINE MONEY TRANSFER facility available to NRIs worldwide through www.money2India.com at the click of a button! Benefits: FREE Money transfers into accounts with over 30 banks in India Demand Drafts issued and payable at over 1250 locations in India ONLINE Tracking of the status of your funds SUPERIOR Exchange rates OFFLINE MONEY TRANSFER facility is also available across geographies through our local branches and in association with partner banks/ exchange houses. PRICING MIX The pricing decisions or the decisions related to interest and fee or commission charged by ICICI are found instrumental in motivating or influencing the target market. The RBI and the IBA are concerned with regulations. The rate of interest is regulated by the RBI and other charges are controlled by IBA. The pricing policy of a bank is considered important for raising the number of customers vis-à  -vis the accretion of deposits. Also the quality of service provided has direct relationship with the fees charged. Thus while deciding the price mix customer services rank the top position. The ICICI bank has to frame two- fold strategies. First, the strategy is concerned with interest and fee charged and the second strategy is related to the interest paid. Since both the strategies throw a vice- versa impact, it is important that ICICI bank attempt to establish a correlation between two. It is essential that both the buyers as well as the sellers have feeling of winning. Pricing ICICI Bank Products Starts With Three Basic Questions. 1. What rate does the bank need to meet its financial objectives? The answer is, it depends. Some considerations for loan and deposit pricing are: ROA or ROE objectives Related income taxes Earning assets to total assets Equity-to-asset ratio Cost to service earning assets being funded or deposits funding an earning asset Pricing for the activities and risks associated with the product Rate tiers based on product balances Asset and liability mix Another element to consider in the pricing of earning assets is the risk of loss. Most notably, this is relevant in loan pricing. Many banks assign a risk weighting to individual loans over a certain size or based on loan type and assign a credit risk charge based on those ratings. Customer relationships are difficult to assign a value to in the pricing process. Customers will generally press for some price concessions in consideration of other relationships they have with the bank. Asset and liability mix also impacts pricing results. Generally speaking, banks operating with higher loan-to-asset ratios are able to afford to pay more for deposits. Likewise, banks can afford to be more competitive on certain deposit products if they have fewer maturities in a particular timeframe or less total outstanding balances in a product line. 2. What is the market rate for the core product? Customers have more distribution channels available to them today than at any other point in history. In the past 10 years, the number of bank locations has increased 20%. Of course, there are the mortgage bankers, the Internet, and a host of other financial service providers competing for your customers loan and deposit business. The point is, the competitive marketplace always ensures that if a financial institution is charging too much for loans or paying too little for deposits, its share of the market will likely dwindle as existing and prospective customers find alternative providers. You can do all the math you want to determine required pricing points, but if your pricing is uncompetitive, your market share will shrink. 3. What would the bank have to do to sales and operations to make its rates the most competitive in its market? Pricing is a key issue for the associates who sell bank products to your customers. The fact is, lenders want the lowest rates, and people dealing with depositors want to pay the highest rates. You need the right balance of fee income, strategies to reduce operating costs, and a healthy asset and liability mix to change your required pricing. PLACE This component of marketing mix is related to the offering of services. The services are sold through the branches. The 2 important decision making areas are: making available the promised services to the ultimate users and selecting a suitable place for bank branches. The number of branches OF ICICI: 1900 in India and 33 in Mumbai. What attract peoples for choosing ICICI? The selection of a suitable place for the establishment of a branch is significant with the view point of making place accessible. The safety and security provisions a Convenient to both the parties, such as the users and the bankers Infrastructure facility Near to station and located on s. v. road well crowded area. Market coverage PROMOTION MIX Advertising: Television, radio, movies, theatres Print media: hoardings, newspaper, magazines Publicity: road shows, campus visits, sandwich man, Sponsorship Sales promotion: gifts, discount and commission, incentives, etc. Personal selling: Cross-sale (selling at competitors place),personalized service Telemarketing: ICICI one source Call center (mind space) PROCESS Flow of activities: all the major activities of ICICI banks follow RBI guidelines. There has to be adherence to certain rules and principles in the banking operations. The activities have been segregated into various departments accordingly. Standardization: ICICI bank has got standardized procedures got typical transactions. In fact not only all the branches of a single-bank, but all the banks have some standardization in them. This is because of the rules they are subject to. Besides this, each of the banks has its standard forms, documentations etc. Standardization saves a lot of time behind individual transaction. Customization: There are specialty counters at each branch to deal with customers of a particular scheme. Besides this the customers can select their deposit period among the available alternatives. Number of steps: numbers of steps are usually specified and a specific pattern is followed to minimize time taken. Simplicity: in ICICI banks various functions are segregated. Separate counters exist with clear indication. Thus a customer wanting to deposit money goes to deposits counter and does not mingle elsewhere. This makes procedures not only simple but consume less time. Besides instruction boards in national boards in national and regional language help the customers further. Customer involvement: ATM does not involve any bank employees. Besides, during usual bank transactions, there is definite customer involvement at some or the other place because of the money matters and signature requires. PHYSICAL EVIDENCES Physical evidence is the material part of a service. Strictly speaking there are no physical attributes to a service, so a consumer tends to rely on material cues. There are many examples of physical evidence, including some of the following: Internet/web pages Paperwork Brochures Furnishings Business cards The building itself (such as prestigious offices or scenic headquarters) The physical evidences also include signage, reports, punch lines, other tangibles, employees dress code etc. Signage: each and every bank has its logo by which a person can identify the company. Thus such signages are significant for creating visualization and corporate identity. Financial reports: The Companys financial reports are issued to the customers to emphasis or credibility. Tangibles: bank gives pens, writing pads to the internal customers. Even the passbooks, chequebooks, etc reduce the inherent intangibility of services. Punch lines: punch lines or the corporate statement depict the philosophy and attitude of the bank. Banks have influential punch lines to attract the customers. Employees dress code: ICICI bank follows a dress code for their internal customers. This helps the customers to feel the ease and comfort. THE PEOPLE All people directly or indirectly involved in the consumption of banking services are an important part of the extended marketing mix. Knowledge Workers, Employees, Management and other Consumers often add significant value to the total product or service offering. It is the employees of a bank which represent the organisation to its customers. In a bank organization, employees are essentially the contact personnel with customer. Therefore, an employee plays an important role in the marketing operations of a service organisation. To realize its potential in bank marketing, ICICI become conscious in its potential in internal marketing the attraction, development, motivation and retention of qualified employee-customers through need meeting job-products. Internal marketing paves way for external marketing of services. In internal marketing a variety of activities are used internally in an active, marketing like manner and in a coordinated way. The starting point in internal marketing is that the employees are the first internal market for the organization. The basic objective of internal marketing is to develop motivated and customer conscious employees. A service company can be only as good as its people. A service is a performance and it is usually difficult to separate the performance from the people. If the people dont meet customers expectations, then neither does the service. Therefore, investing in people quality in service business means investing in product quality. COMPARISON OF ICICI WITH OTHER BANKS: ICICI bank market capitalization is more then other banks. It has market capitalization is 105,709.63 cr, while HDFC is 91,326.65 cr and AXIS bank is 91,326.65 cr. ICICI has net interest income is 25,706.93 cr, which is higher then other banks. While net interest income of HDFC is 16,172.91 cr and AXIS bank is 11,638.02 cr. Net profit of ICICI bank is 4,024.98 cr, which is again higher then other banks. While net profit of HDFC is 2,948.69 cr and AXIS bank net profit is 2,514.53 cr. Total assets of ICICI bank are 379,300.96 cr, which is higher then other banks. While total assets of HDFC bank is 183,270.78 cr and total assets of AXIS bank is 147,722.06 cr. ICICI banks headquarters in Mumbai is vary huge, then other bank headquarters. In the past two years, the bank has spent Rs 185 crore on advertising and publicity (In comparison, HDFC has spent Rs 100 crore). HDFC Banks retail deposits are about Rs 23,000 crore (Rs 230 billion). Even in home loans, ICICI Bank commands 30 per cent of the market, having eaten into housing finance pioneer, HDFCs share. ICICI Bank has issued 3 million credit cards that is more than twice the number of HDFC Banks credit card users. However, industry observers point out that ICICI Banks effective users for credit cards may not be high. As a result of its perceptive branch strategy, ICICI Bank has acquired more than five million internet, mobile and telephone banking customers, i.e. much greater then HDFC and AXIS bank. ICICI strategy for promotion of financial inclusion: ICICI Bank has taken up specific initiatives to ramp up financial literacy as well as intermediation to the underserved and under banked segments in both rural and urban areas. ICICI Banks financial intermediation models, both through the microfinance institutions and business correspondents have been designed to build a repository of information with regard to financial behaviour of the customers. ICICI Banks Financial Intermediation Models: With focus on low-income segments, ICICI Bank has come up with innovative delivery channels: Microfinance ICICI Bank works closely with MFIs and NGOs to adapt its products to suit consumer needs. Two innovative models have helped achieve scale in serving the low-income household: a) Partnership Model being implemented with NGOs and MFIs: Under this model ICICI Bank forges an alliance with existing MFIs wherein the MFI undertakes the promotional role of identifying, training and promoting the micro-finance clients and the ICICI Bank finances the clients directly on the recommendation of the MFI, so the customer and portfolio resides in the Banks book. b) Securitisation of Portfolios of MFIs: Under this model ICICI Bank buys out portfolios from MFIs. The MFI continues to service the clients and acts as the collection agent. Here again, the MFI shares the credit risk with the Bank. A variant of the securitisation model is on-tap securitisation, wherein the MFI receives an advance purchase consideration to create a portfolio of loans that could then be periodically sold to ICICI Bank. Technology The Bank has been actively looking at technology solutions to scale up the micro finance portfolio. Further, the Bank has been considering adopting a Core Banking System (CBS) for managing the loan portfolio generated under the partnership model. In this regard, the Bank has found an able partner in FINO to provide technology solutions to the micro finance sector. The technology solution comprises of core banking and smart card systems. In light of the technology solutions available through FINO, the Bank has designed a new process for delivering loans under the partnership model. Some of the key aspects where a strong technology platform will add value to the micro finance operations include reduction in transaction cost; better data management and reporting capacities and capability to interface with multiple peripherals, etc. This will also enable enhanced disclosure and transparency in the operations of MFIs, setting a platform for robust securitisation / buyout opportunities to meet the priority sector lending objectives of the regulator. Business Correspondent In line with the RBI guidelines ICICI Bank employs Business Correspondent (BC) model to extend financial services, especially the much-needed savings services to rural customers. In the pilot stage, the transactions by BC are being done with the help of an e-Passbook and an Authentication Device (AD). The e-Passbook can display and store the customer KYC information, customer account details and the transactions in each account. It also has a unique feature of biometric authentication by the way of fingerprints, thereby mitigating the risk related to PIN (Personal Identification Number) in the rural scenario. ADs provide Customer interface with user-friendly menu options, enabling transactions. An authorized operator is enrolled by capturing the fingerprints of all the 10 fingers to mitigate fraud risk, can operate each AD. The transaction is recorded on the AD, which at specific intervals would be uploaded and updated in the Banks system through a normal telephone line, which is a widely available infrastructure even in remote rural areas. Further connectivity through GSM and CDA would also be made possible to ensure that the transaction details are updated in the Banks system at higher frequency. Multiple products ICICI Bank offers a complete suite of products and services to meet the individual financial requirements of customer segments. Savings, investments and insurance products are made available to its rural and agri customer base. The Bank also offers microfinance services to low-income households and crop loans, farm equipment loans, commodity based loans to farmers. Hybrid channels ICICI Bank employs delivery channels backed by technological innovations to achieve scale and outreach in a sustainable manner. The Banks channel architecture includes branch and non-branch channels. Branches act as a business hub providing banking services on the one hand, while facilitating the fulfilment of products that have been sourced by the business facilitators and business correspondents. Non-branch channels are of two types, business facilitators and business correspondents.