Over the past century we have gone through three globalizations. The first, in the years before World War I, was based on mass commodities and infrastructure investments. The second, which only outstripped the first wave of globalization beginning in the 1980s, focused on mass manufactured goods and the capital equipment. Now, we are entering a third stage of globalization – one that is layered on dimensions of the prior two – in which the center of profitability has shifted toward the retail interaction. This trend is called “Global Retail”, or, less euphonically, “globalization”. The goal of this assignment is to see how a successful European retail banking organization confronts the opportunities and challenges of globalization. Therefore, the article focuses on how they make their loans and tries to find the differences between their strategies, which appear to be well suited to the fragmented regulatory market in Europe, and the U.S. model of consumer lending.
Assignment Questions:
Please describe and evaluate the Country/Political Risk faced by this organization and describe its successes and failures.
What has been the lending strategy followed by Santander? Are lending decisions based on the credit background of the borrower, or on the riskiness of the venture? How do they manage risk? How do they finance their loans? Why is there so little cross-border borrowing?
How is the lending strategy different to US commercial banks?
As a consultant to the CEO, what would you suggest Magda Salarich do now? Please obtain, identify and evaluate the data and conduct a multi-perspective analysis of the evidence to make a logical recommendation for solving the problem with a global perspective.
Defend your recommendation and communicate your beliefs clearly and accurately.
The attachment is the case that must be read in order to answer above questions
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BATTLE OF THE TITANS: AMAZON ECHO VS. GOOGLE HOME (AND DON’T FORGET ABOUT APPLE)
The newest battleground for the tech giants is being fought over smart home devices. Amazon’s Echo was the first to hit the market in 2014; the smart speaker responds to voice commands and serves an ever-growing range of purposes, such as music streaming, news updates, Internet searches for information, grocery lists, joke telling, takeout orders from local restaurants, and answers to general questions. Furthermore, in homes with other smart features, Echo and its voice personification Alexa allow users to control compatible lights, fans, thermostats, garage doors, sprinklers, and locks with simple voice commands. By 2017, Alexa even gained the ability to call or send texts to the contacts in users’ linked smartphones through Echo.
Google’s competing Google Home device did not even hit the shelves until April 2017.67 In some ways, Google Home is more advanced and “smarter” than Echo. For example, its web browsing capabilities are more advanced because it relies on Google’s stellar search engine, whereas Echo is limited to Wikipedia and Bing. Google Home also can sync its audio playback with other devices and Google Cast speakers, providing better playback and the option to insert linked devices throughout the house, such that even customers with big homes can engage in constant interactions with the central device. If a user moves from the downstairs family room, where a Google Home device is playing music, to the upstairs bedroom, as long as there is another device there those elements sync and the user does not miss a beat of the song. Amazon’s Echo does not have such a capability.
Overall, though, the two devices have similar functionalities, with some notable differences in the quality of the services they provide. Perhaps the biggest difference is how “smart” the devices really are when it comes to responding to users’ requests. In a study conducted by the digital agency 360i, Google Home was six times more likely to answer requests Page 205correctly than was Echo. In this study, the researchers asked each device a series of 3,000 questions. Although they did not publish the questions they asked, the superiority of Google Home likely stems from Google’s access to its advanced search engine. In addition, Google Home recognizes more colloquial command words. For example, if a consumer asks Google Home what movies are playing at the nearby theater, then asks how long it will take to get “there,” Google Home understands that “there” refers to the theater, whereas Echo would need the user to cite the specific theater name or location.
Yet in other areas, Amazon’s device takes the lead. Echo is compatible with more smart devices, including about a half a dozen other smart home devices, whereas Google Home is compatible with only three. Regardless of which brand of smart device people use in their homes to control things like lights or appliances, they thus can likely use Echo to help control those operations. Furthermore, when it comes to e-commerce, Google cannot come close to comparing with Amazon for product searches or purchases. The vast customer insights maintained by Amazon help it power Echo, such that it is much better at enabling consumers to search for, find, and purchase the precise products they want at the very moment they realize they need something.
With its earlier entrance, Amazon also has a leg up on the market already; Echo dominates, with an approximately 70 percent market share. Among people who already use voice assistants—such as Siri on their iPhones or Cortana on their personal computers—the three-year head start on Echo means that they likely have already made their purchase, and they are no longer in the market that might be served by Google Home. Moreover, almost half of all U.S. consumers do not currently use voice assistants and these customers do not seem interested in buying one for their homes.
Another hurdle in the market stems from customers’ privacy concerns. Such smart devices are always on and listening for commands. Some customers are uneasy with the presence of a device that is always listening to them. Although the companies offer assurances that customers are not being recorded if they are not directly giving commands, and it is possible to disable the microphone and delete past commands, customers remain wary.
As the first to market, Amazon was able to set the price level for this type of device. Echo currently costs about $180. When Google entered, it priced Google Home at $130.75 However, Amazon also has released a smaller, cheaper version, Echo Dot, that costs only $50. This new device was a huge hit on Amazon’s most recent Prime Day, sold at a special price of $35, which made it the top selling item on Amazon that day.76 In response, Google cut the cost of Google Home to $100.77
Even as this seeming head-to-head competition persists and intensifies, some other tech companies are starting to venture onto the battlefield. Apple introduced its smart speaker Page 206home device, HomePod, in January 2018.78 Along with the functions provided by Google Home and Echo, Apple’s entry features a special focus on music and sound quality. Even its name is evocative of the revolutionary iPod, which changed the way people listen to music. Priced around $349, it is the most expensive option. But for devoted Apple customers, a high price tag rarely turns the tide.
1. Trace how you might go through the steps in the consumer decision process if you were thinking of buying a smart home device.
2. Identify the four determinant attributes that set apart the Amazon, Google, and Apple smart home devices. Use those attributes to develop a compensatory purchasing model similar to the one in Exhibit 6.2. Based on your importance and performance ratings, which product would you buy?
3.Which device features examined in this chapter might have the greatest impact on consumers’ propensity to buy one of these products?
4.Which risk factors might impact consumers’ propensity to buy one of these products?
5.After purchasing one of these products, why might you experience postpurchase cognitive dissonance? What might the seller do to help you resolve this dissonance?
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Trace how you might go through the steps in the consumer decision process if you were thinking of buying a smart home device
This is a 2 part question and the guidelines are attached for each part
7-1 Final Project Part One Submission: Critical Analysis Portfolio Assignment
Submit your final portfolio—an analysis of an issue or event in diversity through the four general education lenses: history, humanities, social sciences, and natural and applied sciences.
Note: Be sure to incorporate instructor feedback from your final project milestones into this final submission, particularly Milestones One, Two, and Four.
To complete this assignment, review the Final Project Part One Guidelines and Rubric PDF document.
7-2 Final Project Part Two Submission: Multimedia Presentation Assignment
Submit your final multimedia presentation. In this presentation, you’ve had a chance to reflect on what you have learned about your issue or event, yourself, and diversity through analyzing its impact on society through the four general education lenses. You will also be able to apply your communication skills and integrate multimedia elements to communicate your message to an audience.
Note: Be sure to incorporate instructor feedback from your final project milestones, particularly Milestone Three (the presentation draft), into this final submission.
To complete this assignment, review the Final Project Part Two Guidelines and Rubric
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This week’s current event topic is related to the Supreme Court or the federal judiciary. Look through major newspapers, such as the New York Times, Washington Post, or the Christian Science Monitor for the most in-depth coverage. Websites, such as Politico and ProPublica, are good sources too. Make sure to provide proper source information for the news item you decide to discuss. Post a summary and reaction to information you find once you locate a relevant article. 4-5 paragraphs
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Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services Look through major newspapers, such as the New York Times, Washington Post, or the Christian Science Monitor for the most in-depth coverage
Bradburn Corporation was formed 5 years ago through a public subscription of common stock. Daniel Brown, who owns 15% of the common stock, was one of the organizers of Bradburn and is the current president. The company has been successful, but it currently is experiencing a shortage of funds. On June 10, 2014, Daniel Brown approached the Topeka National Bank, asking for a 24-month extension on two $35,000 notes, which are due on June 30, 2015, and September 30, 2015. Another note of $6,000 is due on March 31, 2016, but the company anticipates no difficulty in paying this note on its due date. Brown explained that Bradburn’s cash-flow problems are due primarily to the company’s desire to finance a $300,000 plant expansion over the next 2 fiscal years through internally generated funds.
The commercial loan officer of Topeka National Bank requested the financial reports (balance sheet and income statement) for the last 2 fiscal years. See the Excel template for these reports.
Using this Excel template, provide the following information. Be sure to include formulas for the cells that are labeled formulas. Be sure all amounts are linked to the proper cells:
Compute the following items for Bradburn Corporation:
Current ratio for fiscal years 2014 and 2015.
Acid-test (quick) ratio for fiscal years 2014 and 2015.
Inventory turnover for fiscal year 2015.
Return on assets for fiscal years 2014 and 2015. (Assume total assets were $1,688,500 at 3/31/13.)
Percentage change in sales, cost of goods sold, gross margin, and net income after taxes from fiscal year 2014 to 2015.
Identify and explain what other financial reports and/or financial analyses might be helpful to the commercial loan officer of Topeka National Bank in evaluating Daniel Brown’s request for a time extension on Bradburn’s notes.
Assume that the percentage changes experienced in fiscal year 2015 as compared with fiscal year 2014 for sales and cost of goods sold will be repeated in each of the next 2 years. Is Bradburn’s desire to finance the plant expansion from internally generated funds realistic? Discuss.
Should Topeka National Bank grant the extension on Bradburn’s notes considering Daniel Brown’s statement about financing the plant expansion through internally generated funds? Discuss
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Enjoy our bonus services. You can make a free inquiry before placing and your order and paying this way, you know just how much you will pay. A verdict was rendered against three parent chaperones. How was the third parent included in the case?
Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services Bradburn Corporation was formed 5 years ago through a public subscription of common stock.
For each Case Study Assignment, you will read the assigned case study and analyze the case scenario/research through a series of questions. The overall structure of each case is similar in that each case begins with an abstract followed by a description of the scenario/research and concludes with a discussion about the situation. The discussion is simply a series of unique questions about the case scenario that you will answer as your Case Study Assignment.
No abstract is required for the Case Study Assignment nor are an introduction or conclusion; simply type the questions as an APA style heading and respond. Ensure the following are met:
· Must be supported with at least 4 scholarly (peer reviewed) research articles in your response.
· Must be at least 900 words (the word count does not include the question text, cover page, or reference page)
· Use proper grammar, current APA format and submit in MS Word format
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Read Each Thread and Reply with your thought. The replies must be at least 150 words each. Each reply must incorporate at least one scholarly citation(s) in APA format. Any sources cited must have been published within the last five years. Acceptable sources include the most current sources you can find which likely means the Internet. Make sure to cite all facts in text.
Thread 1
I chose a basic explanation of inductance, the video I chose goes through most of the information in our text on induction. The video covers as our text also covers the definition of inductance as the characteristic of an electrical circuit that opposes the starting, stopping, or a change in value of current (Kenney, 2013, P 3-12). The video covers the use of a coil as a magnet and the field it produces or lines of flux. This video also shows the voltage resisting current flow as a light bulb is used as the resistor in the circuit. The video also show the time constants in the circuit to show the maximum current reached in five time constant intervals in the formula T=time, L =inductance, and R= resistance (T=L/R). The video will show the collapse of the magnetic field once the source voltage is removed by the switch and the effect of that load breaking voltage. This video will also describe the formula for inductance which is L =inductance , E is the voltage induced, I is the current of 1amp, and delta symbol is time in 1 second this formula is stated as L= 1 volt/1amp in 1second this will be the inductance measured in Henrys. This video is a pictorial example of what we are studding and should help with the study of inductance as we look at chapter three in our text. There are lots of great videos out there describing alternating generation which goes over inductance, magnetic lines of force, three phase generation and even newer concepts that are in electric motors such as the Tesla model 3 that cover most of the concepts in our text through a different view.
Video link for above discussion: https://www.youtube.com/watch?v=VFPwgjGHqFQ
Thread 2
When attempting to understand a subject one may not be strong at, it can become challenging and other methods of teaching may need to be used. As I stated in the beginning of this course, electronics has always been a weak subject for me. Even though electronics is difficult for me to understand, I don’t let that stop me from doing further research outside of the class to better understand the subject. I was intrigued with the magnetism “left hand rule” and I proceeded to search for a video that could help me better digest the subject which is the video I am sharing with you. When addressing the subject of magnetism a few impressive facts are addressed. The first one is that while using the “left hand rule” method, the direction your thumb points when grabbing a conductor will be the direction of the current flow. The professor in the video proceeds to not only explain this in a simple manner but also mentions there is a “right hand rule” which does not apply to us in this course. It is good to know a little more than what we have been reading which is honestly one disadvantage of online learning. The professor in the video also proceeds to demonstrate what it would look like if we look directly into the wire. He used simple analogies like shooting an arrow with a bow and how to relate that to what we can see inside of the wire.
GET SOLUTION BELOW CLICK HERE TO MAKE YOUR ORDER TO BE RE-WRITTEN FROM THE SCRATCH NO PLAGIARISM Original and non-plagiarized custom papers. Our writers develop their writing from scratch unless you request them to rewrite, edit or proofread your paper. Timely Delivery. capitalessaywriting.com believes in beating the deadlines that our customers have imposed because we understand how important it is. Customer satisfaction. Customer satisfaction. We have an outstanding customer care team that is always ready and willing to listen to you, collect your instructions and make sure that your custom writing needs are satisfied Privacy and safety. It’s secure to place an order at capitalessaywriting.com We won’t reveal your private information to anyone else. Writing services provided by experts. Looking for expert essay writers, thesis and dissertation writers, personal statement writers, or writers to provide any other kind of custom writing service? Enjoy our bonus services. You can make a free inquiry before placing and your order and paying this way, you know just how much you will pay. A verdict was rendered against three parent chaperones. How was the third parent included in the case? Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services Ethical Investing – Fad or Real Returns? basic explanation of inductance, the video I chose goes through most of the information in our text on induction Get Professionally Written Papers From The Writing Experts
Manually record the transactions (given in the next page) through the general journal and general ledger, prepare balance day adjustments, closing entries, financial statements, and a worksheet.
Submission details:The file submitted needs to be in an excel format (.xls or .xlsx). In your assignment submission, you must include the following:
10-column worksheet
properly classified income statement for the month ended 30 June 2019
properly classified balance sheet as at 30 June 2019 Also note, the general journal entries, ledger accounts, and trial balances prepared to complete the assignment are NOT to be submitted with the assignment. These are workings. (Please attach in a separate excel worksheet)
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Child Autonomy Course 322-DAE-ID (60 hrs) Units 1-2-2 Group / Individual Presentation Assignment (30%) Using Microsoft Office Slides for this assignment (APA), each group will present 15-20 minutes including another 5 minutes for Q & A. Your group must elaborate on the following: Each group will select one educational philosophy from the list to research and peer teach. Please see the list at the end of this document. Topics cannot be duplicated. Please confirm your topic with your teacher to ensure it is not already taken. Project Presentation Criteria 1) Title Page: name of assignment, list of group members, course name, date…etc 2) Introduction: introduce and describe what your group will cover in the presentation (reference using APA format). 3) Main Ideas I: according to and specific to your assigned age group demonstrate your knowledge and research relevant to the early childhood education setting. Use scholarly articles/journals/personal perspectives (ERIC), case studies and video/picture examples to teach your findings. You must include at least 4 peer reviewed articles.
Discuss all aspects of the selected educational philosophy in respect to setting limits, providing choices and encouraging autonomy in children: 1) Describe the pedagogical approach of this educational philosophy. Elaborate on the key features of this philosophy’s pedagogy. 2) What is the recommended age range in this particular educational environment and explain why? 3) How is the day organized according to this educational philosophy? 4) How do children learn with this educational philosophy? 5) How does this educational philosophy promote child autonomy? 6) How do educators interact with the children? 7) How are the subject areas taught to the children (i.e. art, music, math, science, reading, computer skills, etc.)? 8) Is this educational philosophy competency based teaching and learning? If so, please discuss this and if not, identify and discuss its system of teaching and learning. 9) How are children assessed according to this educational philosophy? Is there any evaluation criteria? 10) Discuss research findings about the effectiveness of its preschool program in regards to supporting and developing autonomy. 11) Analyze and elaborate possible challenges for both the children and educators within this educational philosophy.
Include a short video demonstrating the support or development of autonomy under the implementation of the educational philosophy (under 5 minutes). 4) Reflections: each group member must write at least a paragraph of their personal perspective and share their thoughts regarding the content learned (before the Q&A). What have you learnt that will help you in your career as an educator in the future? 5) Conclusion: conclude your presentation using comprehensive paragraph(s), connecting all the main ideas and research together. 6) Reference Page: follow APA format. Each slide must also be referenced or the assignment will not be graded.. Each group will consist of 3-4 members. You must submit your Microsoft Office Powerpoint Slides before the presentation: Aug 30, 7:30 am. Only one group member must submit their presentation via college email following the teacher’s instructions, thank you.
Workload being equally shared includes; diversified researching skills, rehearsing your presentation together, incorporating your individual reflections / thoughts, language skills (oral and written), analytical & critical thinking skills as well as your ability to breakdown and process information. All group members must be present, be visible and be audible. Failure to do so could result in a fail.
Research Topics:
Quebec Education Preschool Program – Learning through exploration and understanding
Experiential Education – Effective learning through well-being and involvement
The High/Scope® Curriculum – Active learning through key experiences
The Reggio Emilia Approach – Truly listening to young children
Te Whãriki – A woven mat for all to stand on
The Swedish curriculum – Goals for a modern pre-school system
Montessori – A hands on approach to learning in a prepared environment
Project Head Start Program – Children learn and develop in a nurturing environment
Waldorf – Children develop the capacity for creative thinking, problem solving abilities and social skills through their free imaginative play.
Cognitive Based Philosophy – Children learn through active exploration in an environment which is rich in materials and opportunities to converse, socialize, work, play and negotiate with others.
Jouer C’est Magique – Children learn through play
Bank Street – Very similar to play-based learning.
Educational perennialism / Universal Curriculum – focuses on personal development but is very teacher-centered.
Accueillir la Petite Enfance – Welcoming Early Childhood
Piklérian approach – The child is competent; capable of initiative, engaging in relationships, showing emotions and being autonomous and active.
Faith-based philosophies – Religious affiliated educational institutions
Dewey – Learning by doing
Progressivism – Based on positive changes / a problem-solving approach
Social Reconstructionism – views schools as tools to solve social problems such as racism, pollution, homelessness, poverty and violence
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