Research Strategy of Service Quality Assessment

Exploration Strategy of Service Quality Assessment Technique: For this examination overview, technique will be utilized so as to gather information. Study analysts are very unmistakable from the general overviews directed for various purposes, including advertising review. As per Tanur(1982) overviews are for the most part implied of gathering information identified with qualities, activities, or assessments of a huge gathering of individuals, alluded to as a populace. The studies led for research intentions are centered around headway of information inside a particular area. Exploration overview information can be gathered through various strategies, including meetings, polls and perceptions. As far as surveys, the information can be gathered either through open-finished inquiries in which members need to give subtleties answer or shut inquiries in which members need to give select single or different answers from the selection of answers. As per Groves et al. (2013) review information will be one-sided if the procedure of the study isn't appr opriately followed, which incorporates planning, composing, gathering and investigating sub-forms. Figure 1 presents the ordinary information assortment process as portray by Groves et al.(2013) Â â Figure 1: A study from process planned (Groves et. al. 2013,pp.149) For the examination overview, methodology will be utilized and information will be gathered through arrangement of polls which respondent will have the option to finish themselves. The explanation behind utilizing examiner as information assortment technique was on the grounds that, right off the bat, this exploration is utilizing review methodology and as per Saunders et al. (2012) examiner is one of the most broadly utilized information assortment techniques inside study methodology. Also, since this exploration will give the shut answers which will be utilized for quantitative information investigation, subsequently, poll information assortment strategy is increasingly appropriate for this examination. Regarding testing, since its pilot information assortment and exploration is centered around general customer discernment about the administration conveyance and expected quality assessed through the crystal of culture, along these lines, as portray by Saunders et al. (2012) likelihood based inspecting procedure will be utilized to distinguish a gathering from populace for information assortment. For nature of information, research has applied delineated irregular examining by utilizing the one trait that has the essential degree of involvement with terms of administration conveyance from the populace. The legitimacy or as indicated by Saunders et al. (2012) content legitimacy, inquiries in a review give satisfactory portrayal to explore questions. As portray by Saunders et al. (2012) legitimacy of the substance can be assessed through writing audit, which has been accommodated this exploration. For the unwavering quality and consistency in light of the poll, the examination is bound to just shut inquiries with various decision single choice answers, and questions are all plan utilizing straightforward language. The inquiries on the study are configuration dependent on the examination questions, and all the inquiries in the review are shut inquiry that is different decision single choice so as to gather reliable information. The request and stream of the inquiries are cautiously configuration to stay away from disarray and distortion. Additionally, so as to maintain a strategic distance from clear or missed inquiries the inquiries are introduced on the same wavelength, Please observe the Appendix for real poll in the review. Despite the fact that the examination is assessing the exploration question utilizing subjective exploration philosophy, yet the information gathered through a study is handled by quantitative information investigation. The information gathered through a study is considered to numerical information, and exploratory information analysis(EDA) approach will be utilized to process it. As indicated by Saunders et al. (2012) EDA approach for information investigation accentuation on utilizing charts and tables for comprehension and investigating information. Since this is pilot research, in this manner, as depict by Saunders et al. (2012) EDA approach is valuable for at first phases of the examination. Exploration instrument and information assortment: The overview is partitioned into two segments first segment contains segment interrogates two get more understandings concerning the respondent and their arrangement. The subsequent segment contains the announcement about the administration experience which members needed to rate utilizing 7-focuses Likert scale beginning from 1 (firmly deviate) to 7 (unequivocally concur). Before endeavoring to rate the announcements members were solicited to think from the administration they have gotten from the ventures like banks, retail, and so forth and utilize the experience to rate the announcements. The overview is led electronically by making the poll on a free online review leading site which gives usefulness to share a connect to the study. The connection to the review is shared through email and furthermore by means of various electronic discussions, The information gathered through the overview is investigated and assessed subsequent to downloading it from the site. Test information in volved two sources that is the understudy of colleges and schools. An aggregate of hundred reactions was gotten out of a few hundred review demands. As the examination plans to investigate the impact of culture on client impression of administration, in this way, the testing structure was bunched into two significant gathering dependent on their ethnicity that is white and non-white. Populace focused for this examination was neighborhood purchasers living in UK and had gotten administration from ventures like banks, retail, and so on in most recent couple of months. Members from the example are picked utilizing scientists own instinct and picked with reason. (Tellstrom et al., 2006). So as to additionally assess member segment data like age and training has likewise been gathered. Estimation: So as to quantify a view of administration quality and advancement process, in this SERVQUAL scale will be utilized, which was created by Parasuraman et al. (1991). SERQUAL gives 22-things scale, spreading over five measurements (physical assets, unwavering quality, responsiveness, confirmation, and sympathy), of administration quality desires and, which has been assessed and approved in various investigations (Donthu and Yoo, 1998). Despite the fact that scientists have distinguished some inadequacy in utilizing SERVQUAL, however the model is most broadly referenced and rehearsed among different enterprises. The polls in this examination were configuration to catch the client impression of administration quality dependent on five quality component of SERVQUAL. For checking the way of life of the overview member, the investigation will utilize the Hofstedes system of social measurements. A few researchers have proposed elective structures to conceptualize and operational culture to c onquer the inadequacy of Hofstedes system. Notwithstanding, Hofstedes system is as yet the most generally utilized social structure in various fields of study, including brain science, human science, showcasing, or the board (Soares et al., 2007). The exploration has utilized the methodology of collection the member as indicated by their individual scores on Hofstedes social measurement scale bringing about better understanding the job of culture in molding administration recognition (Guesalaga et al ., 2016). The study has been led inside UK, and members dominatingly have a place with western culture however a portion of the member included has an alternate culture which can give better comprehend of social impact on administration quality observation. References Guesalaga, R.; Pierce, M. what's more, Scaraboto, D. (2016), Cultural effects on desires and assessments of administration quality in developing markets, International Marketing Review, 33(1), pp. 88-111 Parasuraman, A.; Berry, L. what's more, Zeithaml, V.A. (1991), Refinement and reassessment of the SERVQUAL scale, Journal of Retailing, .67(4), pp. 420-450. Saunders, M., Lewis, P. what's more, Thornhill, A. (2012) Research techniques for business understudies. sixth edn. Harlow: Pearson. Tanur, J.M.(1982) Advances in strategies for enormous scope studies and analyses, in R. Mcadams, N.J. Smelser, D.J. Treiman (eds.), Behavioral and Social Science Research: A National Resource, Part II. Washington, D.C.: National Academy Press. Groves,R. M., Fowler, F.J., Couper, M.P. Jr., Lepkowski, J. M., Singer, E. also, Tourangeau, R. (2013), Survey Methodology, First Edition,John Wiley Sons Donthu, N. also, Yoo, B. (1998),Cultural Influences on Service Quality Expectations, Journal of Service Research,1(2), pp.178-186 Soares, A. M.; Farhangmehr, M. also, Shoham, A. (2007), Hofstedes measurements of culture in worldwide advertising considers, Journal of Business Research, 60, pp. 277 284

Sexism and Racism in the 1930s free essay sample

Sexism in the 1930’s In the time of the 1930s in America there were heaps of types of separation: one of them was sexism. Ladies were not seen as equivalent to men: they had less rights than men, were saved money and a large portion of them were just permitted to deal with residential errands. In that timeframe, ladies began acknowledging how submitted they were to men, so they started having thoughts on how they could improve their lives and addition more freedom. Most single ladies worked professionally, thus did a great deal of wedded ladies. The quantity of wedded ladies going out to work expanded during the 1930s on the grounds that numerous ladies were attempting to keep their families above water. A few people protested wedded ladies working, since they thought they were taking occupations from single ladies who expected to help themselves. Many educational committees for example would not enlist wedded ladies instructors. We will compose a custom article test on Sexism and Racism during the 1930s or on the other hand any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page In any case, despite this, the quantity of working wedded ladies expanded consistently all through the 30s. Regardless of this, just around 24.3% of ladies worked. 3 out of 10 ladies had a vocation identifying with residential or individual administrations, for example, being a secretary, house keeper or representative. This was because of the way that ladies were commonly denied compelling employments, rather consigned to lesser occupations. Ladies got the vote in America in 1920. Be that as it may, dark ladies, similar to dark men, were frequently kept from casting a ballot in the south by the survey charge, proficiency laws, dangers, terrorizing, and through and through viciousness. Bigotry during the 1930s The 1930s were a violent time for race relations in America. Regardless of the decrease of such associations as the Ku Klux Klan, which had appreciated recharged support during the 1910s and 1920s, prejudice was as solid as ever in the Southern states. Besides, the expanded nearness of Black Americans in urban areas (where many had moved during WWII and particularly during the Depression) brought about expanded pressure. In the 1930’s about 11.9 million African Americans lived in the United States. Beginning from the 1700’s, bigotry arrived at its top in the 1930’s making blacks battle for the option to be dealt with similarly. The treatment that African Americans got from the Whites was dreadful, prompting a feeling of mediocrity. Not exclusively were theyâ denied the option to get decent training, sacred rights were practically non-existent for blacks. The Great Depression of the 1930s was disastrous for all laborers. In any case, not surprisingly, Blacks endured more awful, pushed out of incompetent occupations recently despised by whites before the downturn. Blacks confronted joblessness of 50 percent or more, contrasted and around 30 percent for whites. All things considered, underneath those of white specialists, who themselves were scarcely at the edge of destitution. In the 1930’s blacks had no social liberties: land possession was conceivable, however constrained. Blacks were not permitted to serve in any political situations on any level. Formal training was not given. It was unlawful for blacks to understand books or go to any school or library. Different strategies were likewise used to additionally persecute blacks, for example, censorious ridiculing and lawful, physical maltreatment which might bring about death, (for example, from lynching). 40% of the lynching’s that happened to blacks were because of deceitful complaints from the white people.

How to Write Proposal Essay Outline

How to Write Proposal Essay Outline A proposal essay is one of the least frequently assigned academic papers, but one that you are likely to be assigned at least once over the years spent at college. A proposal essay differs from other papers in that it has some non-academic value: if you learn to introduce your proposals and support their feasibility with evidence and calculations, you are likely to use this skill extensively in your professional life. Even in everyday interactions, being able to lobby your proposals is a skill worth having. In this article, we’d like to go over the fundamentals of compiling the proposal essay outline, as well as provide some recommendations on writing the paper in general. What is a proposal essay? A proposal essay is exactly what it seems to be â€" a paper in which you make a proposal or offer a solution to a problem, providing information that proves that such proposal or solution are worth considering. Proposals are used quite frequently in business and economic circles, so you will do good by acquiring this skill while still at college. A proposal paper is not that different from the rest, but it does have some distinctive features to accommodate the very nature of proposal writing. Get ready for writing Before you even start outlining your paper, take some time to go over preparation steps. Know who you are writing for and what they will expect This step should not be omitted even if your audience is just the professor who assigned this paper. You know the person who will be reading your work â€" what will they expect? How will they evaluate the feasibility of your proposal? Take time to recall and note down all the possible requirements that might be set to your paper, even if they haven’t been included in the prompt. And of course, if you are writing for a business audience, it will be a much, MUCH more important step to take. Do the background research Even before you start digging deeper to justify the proposal you’re making, it is important to get to know the field and industry you are writing about. This is known as background research â€" gathering information that you need to have to decide where to dig deeper. You can try skipping this step, but it will hardly benefit you in the long run. Proposal components Generally, the proposal you are making should include a few elements: A proposal of a specific action that is designed to solve a certain problem of your audience Reasons why the problem is significant and how your proposal will help to solve it (evidence) Possible counterarguments to your proposal and their refutation In non-academic circles, a proposal can be accompanied with a cover letter that introduces such proposal to the person receiving it. Helpful tip If you are free to choose the problem that your proposal should address, try going with a relatively small issue. Global problems require more efforts and research to solve, and your college paper can accommodate only so much. Besides, the narrower you go, the more specific your solution will be. Generally, the more details your proposal paper provides, the better, so don’t get tempted with the global overpopulation issue and the like. Choosing outline for proposal essay Only general recommendations can be given here, as more specific requirements will be set by the person assigning a proposal essay or the organization accepting it. Generally, you should include the following general chapters: Introduction This chapter is designed to describe how your proposal was developed, as well as introduce the subject. Some universities may require you to keep the description of the problem to a minimum of one sentence. Others allow a more detailed description. As in many other papers, the introduction serves to underline the significance of the problem and to tell your readers why they should care at all. The attention hook should also be used to draw your readers into reading from the very first sentence. The brief description of your proposal will serve as a thesis statement to build all the other chapters on. Proposal Plan of Action In this chapter, describe your solution in maximum detail. It can be useful to include the following information: related expenditure (how much will it cost to implement what you are proposing?); responsible persons (who will have to work to implement it and who will be controlling it?); the difficulty of implementation (how many stages of implementation will there be?); the timeframe of implementation (how long will it take?); the resources required for implementation. In describing the steps to take, don’t forget to explain how they are related and how taking one measure will lead to the necessity of taking another one. Your proposal should be a cohesive set of measures, an algorithm, even if the measures might seem random at the first glance. Make sure to address possible problems that might occur on the way and specify ways to address them. It will illustrate your in-depth research of the issue at hand. Predicted Outcomes In this chapter, provide a more detailed overview of how the problem will be solved. How will the results obtained contribute into resolution exactly? Conclusion refutation of opposing points of view Sum up your proposed solution and call out other proposals, stating why yours is more effective. Do not add any new information, simply revisit the points you have already offered. Bibliography Include the works you have cited directly or those that you used for developing your proposal and cite them according to the selected style. Final Thoughts The key criteria that will be used to evaluate your proposal is how well you know the issue you are writing about. That’s why you’ll have to do extensive research on the topic. Solutions to problems that might seem to be lying on the surface must have already been offered, and if you go with one of the obvious solutions, it will prove your lack of information. When writing outline for proposal essay and then writing the first draft, be specific, dig deeper, and provide as many details as possible â€" this is the only right algorithm of writing a decent proposal paper.

Analysis Of The Movie The American Dream - 754 Words

Nyreel Powell Ms. Jones American Literature 1 June 2015 The American dream in A Raisin in the Sun Have you ever had a dream and it didn’t come how you wanted it to be? Have you ever had accomplishments that you wanted to achieve but people were getting in the way of them? The four main characters in this book all have good dreams but there are people in the way of getting to those dreams or their dream is too high to accomplish. A Raisin in the Sun a play written by Lorraine Hansberry, and it’s about an African American family that struggles in the 1950’s. One of the main characters Walter (Dad), his dream is to own his own liquor store. What’s stopping him is, he doesn’t financially have the money to buy his own liquor store. Most people have their American dreams. Most of them come true, and some of them don’t. Many American dreams revolve around money and success. In this book Walter dream doesn’t come true. Walter wants to own his own liquor store. He tries many ways for his dream to come true and works very hard at it, but his dream is just to expensive to pay for. The liquor store cost seventy - five thousand dollars, and the investment on it would be thirty thousand. This dream was really important to him because, Walter likes to drink and get drunk. So that s the reason why he wants to have his own liquor store. Walter gives up, he doesn t think that he can do it and people are not helping him out or giving him any advice for it. they re only tryingShow MoreRelatedMovie Analysis : The American Dream 860 Words   |  4 Pagesto the audience, movie producers and directors are very highly skilled in the ways of doing so. We see many examples of how different social problems can be ref lected in films. In two films that have been discussed and seen in class, Kingsman and Mad Max, the theories of Karl Marx and the desire to fulfill the â€Å"American Dream† are prominent throughout both of the films. Matthew Vaughn’s Kingsman is a perfect representation of the quest for the â€Å"American Dream†. The â€Å"American Dream†, in this contextRead MoreEmily Liddick. Mrs. Campbell. English 2. 23 April 2017.1203 Words   |  5 Pages2017 Gatsby Analysis Essay Cinematic techniques are methods that authors use to convey specific pieces of information in a narrative. Some examples of this would be the angle shots, flashbacks, themes, symbols, etc. In both the movie and the novel of The Great Gatsby, F. Scott Fitzgerald portrays multiple instances of these techniques. This not only enhances the effect that it has on the audience, but it also constructs similarities and differences between both the novel and the movie. For instanceRead MoreF. 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The text that I will analyze using the psychoanalytic media theory will be the film The Great Gatsby, originally a novel by F. Scott Fitzgerald. I will be using Freud’s primary psychoanalytic theory of the ID, Ego, and Super-Ego to analyze the movie The Great Gatsby, andRead MoreGreat Gatsby Film Analysis Essay903 Words   |  4 PagesThe Great Gatsby Film Analysis The 2013 drama/romance movie, The Great Gatsby, is the second movie adaption made based off the novel written by F. Scott Fitzgerald in 1925. Co-written and directed by Baz Luhrmann, this film received both glory and criticism upon its release. The Great Gatsby is well known for its â€Å"Gatsby era† as well as the love encircled between money and power. Without the glitz and glam of this story in conjunction with the forever love Jay Gatsby, a millionaire known for hisRead MoreSpare Parts, An Inspirational True Story About Four Undocumented High School Students1476 Words   |  6 Pagesstudents. These students enter a robotics competition together and come in first place. Throughout the movie they face many challenges and obstacles and still manage to come at the top. This movie has a great message behind it. This movie shows the problems that undocumented families face day by day. Oscar Vazquez is one of the four high school students who was attending the American Forces Career Center to enlist in the United States Army. He got denied due to his immigration statusRead MoreRhetorical Analysis Of The Great Gatsby 1508 Words   |  7 PagesRhetorical Analysis for the movie The Great Gatsby In the film of The Great Gatsby, based on the novel, Director, Baz Luhrmann shares the elaborate tale of the infamous Jay Gatsby. Taking place in the era of the 1920’s, also known as the roaring twenties, Luhrmann is able to bring the film to life by constructing breathtaking scenery creating a glamorous environment full of ecstasy in order to make the modern day audience get a feel for what life in that time period would have been like today. ThoughRead MoreThe Film Of Jay Gatsby Essay1482 Words   |  6 Pagesperson for himself from his past life. But with all the wealth and status Gatsby accumulated, on the surface it made him appear to be living the American Dream but it actually leads to his demise. Many different possessions seemed to hold the promise of happiness and the path to the American Dream. One such example was the houses depicted in the movie. The obvious competition to declare one’s status, everyone attempting outdo the another. 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Daisy is a symbol of everything he values and therefore became the entity of his dream: his dream of spending the rest of his life with Daisy, the woman he loves undeniably. But Gatsby doesn’t realize his dream is unattainable because unfortunately

Clothes Company Financial Analysis - 3916 Words

Table of Contents 1. INTRODUCTION 2 2. COMPANY AND MARKET OVERVIEW 2 3. FINANCIAL STATEMENTS ANALYSIS OVERVIEW 5 3.1 Revenues 5 3.2 Total operational profits 6 3.3 Current Assets 7 3.4 Long Lived Assets 7 3.5 Dividends 8 4. RATIO ANALYSIS 9 4.1 Liquidity Ratios 9 4.2 Efficiency Ratios 10 4.3 Profitability Ratios 11 4.4 Gearing Ratios 12 5. TREND ANALYSIS 14 6. CONCLUSION 15 Appendix 1: Balance Sheet Horizontal Analysis 16 Appendix 2: Income Statement Horizontal Analysis 17 Appendix 3: Balance Sheet Vertical Analysis 18 Appendix 4: Income Statement Vertical Analysis 19 Appendix 5: List of Ratios 19 Appendix 6: Trend Analysis 2005-2009 19 References 19 INTRODUCTION In the present report we will analyze the†¦show more content†¦Its total assets were equal to â‚ ¬7.975.143 for 2008 and to â‚ ¬8.666.546 for 2009. In order to better understand the company’s volumes, in respect to those two figures, it is useful to compare it with its main competitors’ respective figures. By reviewing the aforementioned analysis we have identified four main competitors, namely Bill Cost, ToiMoi, Lussile and BSB. The two charts below illustrate the revenues and total assets for 2008-2009 respectively. Revenues 2008-2009 [pic] Assets 2008-2009 [pic] For the purposes of our assignment we will further analyze Bill Cost and Toi Moi, since those two companies were stated as Forel’s main competitors during the interview conducted with one of the main shareholders. Bill Cost was founded in 1977 as a private enterprise while in 1994 the company became ABEE. Bill Cost products can be found through its retail stores located in the Attica area as well as in shop-in-shop and corners in well known department stores. The company’s goal is to maintain its high quality of products and to expand its sales in Athens and throughout Greece. On the other hand, ToiMoi was founded in 1988 as a company dealing in the manufacture and trading of women’s clothing. From 1988 until now, its trademark is registered in more than 55 countries all over the world. Nowadays, ToiMoi ABEE already allocates 32 own label stores inShow MoreRelatedCompetitive Strategy Plan Of Shiv Naresh1326 Words   |  6 Pagesof Shiv Naresh 3. Requirements and Challenges 4. Gap Analysis 5. Organisation Structure 6. Complete Draft 7. Conclusion 8. References INTRODUCTION In the year 1990 R.K Singh invented Shiv-Naresh.in the past time he was known as good athlete and also worked in one of Delhi Company. With the investment of few money both started their business at their home in Delhi, he saved all spend money while doing job in one of the Delhi company. The sportswear stuff which they both manufactured atRead MoreDescription Pestle Analysis Provides A Framework For Investigating And Analysing The External Environment For An Organisation1548 Words   |  7 PagesDescription of the technique PESTLE analysis provides a framework for investigating and analysing the external environment for an organisation. The framework identifies six key areas that should be considered when attempting to identify the sources of change. These six areas are: ïÆ'Ëœ Political: Examples of political factors could be a potential change of government, with the corresponding changes to policies and priorities, or the introduction of a new government initiative. 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SWOT ANALYSIS Strengths: †¢ A great digital experience makes of breaks the firm as reflected by the Forrester Research (Sparrow, 2014). Thus a great strength of Abercrombie and Fitch is being a direct to customer business, operating throughRead MoreEnvironmental Analysis1528 Words   |  7 PagesExternal and Internal Environmental Analysis Aeropostale is a mall-based, specialty retailer of casual apparel and accessories, principally targeting 14 to 17 year-old young men and women through its Aeropostale stores and 7 to 12 year-old children through P.S. from Aeropostale stores (Aeropostale, 2012, para. 2). Aeropostale opened its doors in 1987, in the New York area. The specialty retailer had more than 110 stores in 1999 and has grown to more than 900 stores in the US, Puerto Rico, and CanadaRead MoreCompany Case Study and Industry Analysis Nike Company1398 Words   |  6 PagesFootwear Industry today. 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Sainsbury Plc910 Words   |  4 Pages  Ã‚  Ã‚  Ã‚  Ã‚  Company analysis   Ã‚  Ã‚  Ã‚  Comparative analysis   Ã‚     Ã‚  Financial Ratio Analysis   Ã‚  Ã‚  Ã‚  Gearing/Financial Risk   Ã‚  Ã‚  Ã‚  Ã‚  Evaluation of Financial Analysis   Ã‚  Ã‚  Ã‚  Introduction The objective of financial reporting/statements is to provide information about the reporting entity’s financial performance and financial position that is useful to a wide range of users for assessing the stewardship of the entity’s management and for making economic decisions. This is a report on the operations of J. Sainsbury

Apple Retail Team Free Essays

Dear William, Hope everything is going well with you. Based on what we have talked through the phone last time, I would like to say some more to let you know better of me. Please  tell  us  about  why  you  would  like  to  join  the  Apple  Retail  team  and  which  position  you  feel  is  best  suited  for  you? Please  see  http://www. We will write a custom essay sample on Apple Retail Team or any similar topic only for you Order Now apple. com/jobs/cn/retail. html  for  a  competition  description. I would like to join Apple Retail team because I like the design and concept of Apple. As a customer using Apple’s products for so many years, I really enjoy the convenience and fun that Apple brings to me. Also, I’m a person good at communicating with others. If I working as a part of Apple, I can introduce to more people about how awesome Apple products are through my own experience. For myself, I will feel happier than ever to work for a company that I always love. After reading all the job descriptions I feel like Specialist suited me the best. -Please explain your experience/skills that you can bring to this position right now. Within my knowledge, a Specialist should have a very good communication skill and enjoy building a good relationship with customers. As an intern in HP, I have leanrt a lot about how to work with people since my job is doing customer service. I love to listen to what customers really need and know how to satisfy them. Also I am very familiar with Apple’s software which will help me fit into the job quicker. I have started teaching my friends how to use their macbooksas well as fixing some small problems for them since i was in high school. In addition, for a student just about to graduate from university, I feel full of passion and energy to work. -Please list any prior retail experience you have, what companies and positions? In fact, i have worked as a volunteer for Apple before in 2009. That was the summer when i graduated from high school and waiting to go to university. I was an Administrative Assistant in Sales Department of Dalian Apple Store. What i do was mainly introduce and sell Apple products to customers and set up a good relationship with them. -Have you applied to work @ Apple before? What was the result? No, this is my first time apply to work for Apple. Please return this to us so that you can be considered for current and future openings that we have. You can use English if you like, but both English and Chinese are fine. Also please send more details to me: – Your hobby Another important thing to me besides Apple is music. Thus, my hobby is to make music whenever I’m free. I was a Technical Director of the school broadcasting station while I was in high school and university. I also opened a music station in my blog to share and exchange music with other people. –  Your favorite life style photo – The Apple product you have used I have used most of the Apple products. For example, use time capsule to give wireless at home and store most of my documents and important stuff. Besides that, i have used airport express as well. In additon, I also have used iPod shuffle, nano, classic and ipad II. As for laptop, I have used MacBook Pro and Macbook Air. Furthermore, i used to own an iphone 3G as well. – Your English name My English name is Jockey. – Your English capability (Fluent /  Advanced / Workable / Basic)   I think my English is at the Advanced level right now. I can easily chat with others in English in daily life and I’m still improving myself by reading English news every single day. – Your simple format / update resume†¦. How to cite Apple Retail Team, Papers

Treasury and Risk Management

Question: Discuss about the Treasury and Risk Management. Answer: Introduction: This report discusses about Hedging and its application through an example under Treasury and Risk Management. The investment avenues are always risky and the financial markets are subject to fluctuations which put the investments exposed to a high risk. Not only investment, business which run on different resources and raw materials (resources and raw materials are different as per the industry and sector in which it is involved), are also subject to high economic risk which may lead to change in the prices these resources and turn around the entire profit margins or the feasibility of the business being performed. Hedging is one such technique which the business may anticipate the trend and according take a safe risk position by entering into futures or options. Futures / Options are those financial instruments which are traded at a decided price against the current spot prices. Options make the contracts obligatory for the holder to execute while futures do not have any obligation associated with them. In this report we shall discuss on how any business entity may use the futures to hedge the risk involved in the price fluctuations. (NYU, NA) (Montana, NA) Hedge ratio is defined as the size of future contracts in relative to the spot price elements. It is formulated as: where, is the correlation coefficient between the spot price element and the future contract element ; s is the standard deviation of spot price element; and F is the standard deviation of future contract. (DAHL, NA) Futures have been one of the highly effective hedging techniques as understood from different literature and research works held (Actuaries, NA) (Giddy, NA) (Kenourgios, 2008). In this report, we shall apply the future hedging concepts and hedging ratios to understand their implications. Given is the case study of a company which uses Liquid X an alternative energy source. The recent movements on the price of oil have caused volatility in the price of Liquid X and so the company wishes to hedge its exposure to Liquid X. It is also given that the price changes of liquid X have a 0.7 correlation with gasoline futures price changes and the company will lose $500,000 for each 1 cent increase in the price per gallon of Liquid X over the next two months. It is understood that Liquid X has a standard deviation that is 50% greater than price changes in gasoline futures prices. Provided, futures contracts on Liquid X are non-existent and the company uses gasoline futures to hedge its exposure to Liquid X and assuming each gasoline futures contract is on 40,000 gallons; price of Liquid X post 2 months increased by 2% from $2.5 per gallon, the following questions are answered adopting the hedging techniques and concepts. What should be the hedge ratio in the use of gasoline futures to hedge its exposure? Given, Standard deviation of Liquid X is 50% greater than the gasoline, Minimum Variance Hedge Ratio = 0.7 * 1.5 = 1.05 What is the company's exposure measured in gallons of Liquid X? Given company will lose $500,000 for each 1 cent increase in the price per gallon of Liquid X over the next two months. The risk exposure is given at $500,000 per cent increase in fuel price per gallon Given, increase in price of Liquid X is 2% = 0.02*2.5 = 0.05 = 5 cents Thus the exposure is 5 x $500,000 for 5 cents which is equivalent for 2,500,000/2.5$= 1,000,000 gallons. Thus the companys exposure is 1 million gallons of Liquid X What position measured in gallons, what is the type of position should the company take in gasoline futures to hedge its exposure? Thus the company should take position of 1.05X1000000 which is equivalent to 1050,000 gallons in gasoline futures. It should take the long position while hedging as the prices are subject to rise. How many gasoline futures contracts should be traded in this hedging strategy? Given each contract has 40000 gallons of gasoline. Thus, 1050,000 gallons of gasoline futures correspond to 1050000/40000 = 26.25 contracts. Rounding off, 26 gasoline futures contracts should be traded in this hedging strategy. After two months, what is the gain/loss in the spot market and the trading gain/loss on the futures contracts in part d? After two months the spot price of Liquid x is given as = $ 2.5 x (1+2%) = $ 2.55 No of future contracts held = 26 No of gallons corresponding to the future contracts = 26 x 40000 = 1040000 The cost incurred to buy 1.04 million gallons of Liquid X: @ Spot Price of $ 2.55 per gallon = $ 2652000 @ executing future contract price of $ 2.5 per gallon = $ 2600000 Thus as the price has increased, the company will execute the future contracts and would be able to gain $ 52000. As may be observed form historical times, emerging economies always are vulnerable to the changes in the interest rates of the United States. In general, the emerging economies are dependent upon developed economies for capital sources, deficits and other financial supports. Thus change in interest rates in the United States would adversely affect these emerging economies like Asia. Every emerging economy has its own nature and thus the impact varies from economy to economy. The Asian economy has been observed historically to have adverse effect with the increase in interest rate of the United States due to increase in domestic interest rate, reduction in domestic consumption, fall in GDP, reduction in capital flows and so on. The details are more elaborately discussed below. The interest rates fluctuation would affect the GDP of the economies due to fall in consumption due to increased cost of borrowing affecting end utility costs in the economy. Increased interest rates in the United States attract investors to invest in the United States assets thus redirecting the capital flows and affecting the foreign investment into the Asian economy. The increased interest rate in the United States gets transmitted to the domestic economy and would reduce the exports further effecting the economic growth. The increased interest rate leads to appreciation of the United States dollar and thus results in depreciation of other currencies especially of emerging economies like Asia. As mentioned above due to non-uniformity of the emerging economies, the effect of the increased interest rates varies from economy to economy leading to increased volatility in the markets and risk in the investments. Overall, the increase in interest rate is not quite favorable to the Asian or emerging economies due to the above discussed reasons. (Acumen, NA) Bibliography Actuaries, NA. Hedging in Financial Markets, s.l.: Actuaries. Acumen, NA. What's the likely impact of rising US interest rates. [Online] Available at: https://acumen.sg/whats-the-likely-impact-of-rising-us-interest-rates/ DAHL, NA. Optimal Hedge Ratio, s.l.: s.n. Giddy, NA. Hedging Techniques, s.l.: s.n. Kenourgios, D., 2008. Hedge Ratio Estimation and Effectiveness. International Journal of Risk Assessment and Management. Montana, NA. Hedging Strategies using Futures and Options. Classnotes. NYU, NA. Risk Management- Profiling and Hedging. Stern.