Financial Investment Industry Product Cycle

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The investment industry is composed of a wide variety of firms. The main players include independent full line brokerage firms, investment bank subsidiaries of chartered banks, and discount brokers. Independent full line brokerage firms offer a wide range of services, including underwriting, trading of stocks, advice and research. The full service brokerage subsidiaries of chartered banks offer the same services; however, banks brokerage firms may have a larger pre-established clientele. Finally, the discount brokers are basic stockbrokers that perform trades for clients who do not want investment advice. Banks entered the investment industry, whereby they took over full-service brokerages, introduced mutual funds to the banking industry and became part of discount brokering.

The demand for investment financial services was expanding. This became evident by the average increase in revenue, which was happening in the mid 10's. An additional indication of growth in the investment industry was the fact that the number of firms in the industry had increased from the beginning days of the investment industry. It is obvious that the industry was growing; however the cause for this growth was due to the demographics of society point towards an aging population. This aging society is comprised of active retired and semi-retired individuals who have knowledge, time and disposable income for investing purposes. Moreover, younger generations that fear the elimination of the existing of social security because of the aging population were interested in building there own retirement plan.

Secondly, the fact that people wanted to be more educated about the investments industry ties into an additional cause for growth in the industry during this era. The market was offering more information to those who wanted to be part of it. This additional information reduced investors fear of not knowing enough, and if they choose to take advantage of the available information they could capitalize on it. Also, more information gives people the perception that they are able to make an increased number of higher quality investment decisions.

Finally, the entrance of banks into the industry increased public interest. First of all, banks carry a great deal of trust, which is extremely important to the average investor. Second, banks are higher profile marketers so they reach a larger number of people. In addition, the large number of branches makes the product readily available and easily accessible. Banks also have a large existing customer base to which they can market products, and influence investing. Overall, banks increased the demand for investment services by creating interest and awareness to people who would otherwise not give extensive consideration to investments.

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YOUNG DRIVERS

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In their sophomore to junior year teens start getting ready for one of the most exciting moments of their lives. This is getting prepared to receive their driver's license.

Because the majority are 16 during this time they could start to take the different steps that will allow them to have their license. These steps are as follows First you should review the booklet that will prepare you for the written exam. The second step is to go to motor vehicle and take the exam. If you pass the test the same day the front clerk will provide you with a permit license. With this you will be capable of getting enough practice behind the wheel. Now that you have your permit the third step takes place, which is going to the 5-hour in class movie. This movie will teach you the hazards along with how a person should react in case of an emergency. The last step is that before and after confirming an appointment for the road test you should keep on practicing.

The first step that should be take place is reviewing the booklet. When you see it you may think how am I going to learn all of this, but if you take it by parts it becomes easier. One of the most important parts to study are the chapters that describe the intersections and the signs, which you are supposed to distinguish such signs as a stop sign or a yield to right sign and what you should do when you see one. Another section of the book that will be helpful is the alcohol chapters where they discuss how DWI (driving while intoxicated) can affect your brain. Questions such as Which drink intoxicates you the fastest a can of beer, any kind of hard liquor such as whiskey, or a glass of wine? The answer to this is all of them could make you equally drunk because they all have the same amount of alcohol. These kinds of questions can appear in the test regarding this section of the book.

When you feel confident enough you could go and take the written part of the test. It'll take you approximately 0 minutes to finish. Although each person is different, some may take less. The day you have this test try to relax don't stress yourself. I remember feeling nervous the day before the test but if you sleep well the night before and you have studied the book the concern shouldn't be much. Before you begin the clerks will call you up by order and take a picture of you. Next they will make sure you have good vision by making you read the black letters that appear in back of them. With this they will know if you need glasses to be able to drive especially during nighttime. As soon as you hand in the test the clerk informs you if you did well on it. If you have a motor vehicle the clerk gives you a temporary paper that will allow you to start driving accompanied with someone who is eighteen years or older who has a license. After you have sufficient practice, you are permitted during early hours to drive alone from school, the job or to your home.

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The Stranger

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In the book The Stranger, Meursault is the main character that is a passive nonconformist. He will not do, as society wants him to. For this he is looked down on for this inability to meet society's expectations. Meursault is condemned because of his nonconformist beliefs.

Meursault did not concern himself with expressing emotion. He goes through his life avoiding the conveying of any emotion. His mother died and his response was Mother died today. Or maybe yesterday, I dont know (). This shows how little he cares even at his mother's death. Furthermore, during his mothers funeral, he hadnt cried once and hed left straight after the funeral without paying his respects at her grave (86). Society would expect certain emotions of grief at his mothers funeral. But he feels no need to show emotion so to others he is seen as different or a stranger. Meursault saw his life as absurd and meaningless. Society imposes religion upon its subjects, making it the reason for human existence. But religion for him seemed even more senselessness. This further separated him from society. Meursault actually denounced the practice of organized religion. Meursault's actions and beliefs cause him to be condemned to death. Even in the end he will not give in to society views when the priest implores Meursault to submit to God. Meursault said he didnt want to waste it on God (114).

Meursault is a man outcasted and condemned because of a failure to meet societys social expectations. He chooses to be different than society and is therefore seen as an outcast or A Stranger.

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• He noted Americans enjoyed eating in exotic surroundings, but were deeply mistrustful of exotic foods.

• He learned that people enjoyed watching their food being prepared.

• He learned there was a shortage of skilled labour.

• He discovered that food storage and waste contributed to the overhead costs of a restaurant business.

In addition to all the above, he had a personal taste for 'historical authenticity'.

With the above criteria in mind he knew that he could sell a visual product and this was portrayed when he introduced a new concept of 'eatertainment' dining. This product involved the combination of teppanyaki-style eating and entertainment in an oriental atmosphere.

'Eatertainment' involves a highly skilled chef who prepares all meals at a 'hibachi' table in front of the clients. This preparation portrays the art of cooking with an exuberating performance by each chef as they chop, dice and juggle the food like samurai warriors as guests stare in amazement and awe. The teppanyaki-style eating gives the customers a sense of Japanese experience even though they are not eating exotic foods. The concept included a limited but very tasteful menu with the addition of various sauces.

It can be stated that the Benihana restaurant became a clear success with the 'eatertainment' product. With the blending of great food, teppanyaki style, and the knife cutting, entertainment experience, Benihana became a success in New York and hence other major cities across America.Please note that this sample paper on MAKE ME GOOD is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on MAKE ME GOOD, we are here to assist you. Your cheap custom research papers on MAKE ME GOOD will be written from scratch, so you do not have to worry about its originality.

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Good vs Evil

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The struggle between good and evil has plagued the world since the dawn of time. This epic battle is also evident in literature written throughout the ages. Three books are to be examined in this essay, each written during distinctly different times. One from the ancient times of the roman empire, another from the growing totalitarian Russian state, and the last from the trenches of World War I. Each book contains in its own fashion a clash of the powers of righteousness and the powers of sin. Evil be it an idea, a object, a person or a people is present in some form in every one of these novels. Malevolence greatly affects the characters, plot and outcome in Erich Remarque's All Quiet on the Western Front, George Orwell's Animal Farm, and Gloria Miklowitz's Masada.

In Remarque's war narrative, All Quiet on the Western Front, the dismays of war are chronicled by a German solider named Paul Baumer. As Paul fights in the trenches he comes to grasp the futility and vainness of war. He realizes that war tears families down their most secret seams, it puts friend against friend, brother against brother, and father against son. It cares not of your class, race or ethnicity it will sweep you into its midst's like a tidal wave. War has left him and his fellow soldiers void of sentiment. A pair of well made knee high leather boots begins to takes priority to human life. Paul also grows to appreciate the fact that the people he is trying to kill are no different to him, the only thing that bars their friendship is the fabric of their uniform. "It is strange to see these enemies of ours so close up. They have faces…"(10). War consumes a generation, a generation of lawyers, teachers and farmers. There is but little good to be found in war but Paul becomes Remarque's symbol for hope. If one man, one solider, can grasp the senselessness of war then perhaps more and more men will come to this realization until we live in a world eradicated of violent conflict.

George Orwell's seemingly innocent novel Animal Farm, is a parallel to the rise and fall of the totalitarian Soviet state and any other totalitarian state for that matter. At first glance this novel seems to be nothing but a child's tale but when put under close speculation it becomes more then obvious that the happenings of the Manor Farm are more then mere child's tales. The rise of the pig Napoleon to dictator is almost identical to Joseph Stalin's rise in Russia. Orwell uses this book to speak out against the trepidation and oppression that is the backbone of a totalitarian state. As Napoleon rises to power, the farm continues to take turns for the worse. The secret codes set up by the farms founding father are

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Astronout Training

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Astronaut Formal Training

In order to become an astronaut, there are many different training tests and programs you have to take and pass. People wanting to become astronauts begin their formal space transportation system training during the year they become candidates. The candidate starts off by reading manuals and by taking computer-based training lessons on the different Orbiter systems, which range from propulsion to environmental control. Next, the candidates have to do the single system's trainer (SST). In this process, each astronaut is accompanied with an instructor who helps teach about the operations of each Orbiter subsystem. The soon to be formal astronauts, are trained in the SSTs to operate each system, to recognize malfunctions, and to perform corrective actions. After the astronauts complete the SST training program, they begin training in the complex Shuttle Mission Simulators (SMS). The SMS provide the astronauts with knowledge in all the areas of shuttle vehicle operations and in all system tasks having to do with the major flight phases. The major flight phases include prelaunch, ascent, orbit operations, entry, and landing. The orbit training includes payload operation, payload deployment, retrieval, and maneuvers. Some of these parts are taught to the astronauts at various base crew stations.

In the beginning, astronauts use generic training software in the SMS until they are assigned to a specific flight. Approximately ten months before flight, astronauts train on a flight simulator with actual flight-specific training software. During the last eleven weeks, the astronauts also train with the flight controllers in the Mission Control Center (MCC). The astronauts and flight controllers learn to work as a team, solving problems and working together. After the flight assignment, the astronauts are in the SMS for about 00 hours. In addition to all previous training, the astronauts also have to go through programs that work with neutral buoyancy operations in the facility water tank to represent the weightless condition that the astronauts will experience when up in space. They also practice meal preparation, equipment stowage, trash management, and the use of cameras. Astronauts often say that everything in training, besides the noise, vibration of the launch, and experience of weightlessness, are accurately duplicates the space experience. On top of more training, the astronauts who participate in the Russian Space Station Mir program receive extensive training of the Russian language before transferring to the Yuri Gagarin Cosmonaut Training Center. As you can see, to become an astronaut requires a lot of training in various subjects and programs. However, when an astronaut does complete the training, he or she is then ready for a flight into space, which for many is fulfilling a dream. Hard work and much training is a must in becoming an astronaut.

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Managing the colorado river

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management of the Colorado

ɨ The Colorado has been used as a source of water for over 000 years.

ɨ During the last 100 years, it has changes from an uncontrolled river passing through a semi-desert.

ɨ The Colorado water is now controlled by 11 major damns in 7 states and Mexico, produces 10miilion kw of electricity and irrigates 800 000 hectares of farmland.

Characteristics of the river.

ɨ The river rises in the snowfield of the Rockies, where the annual precipitation may be as much as 540mm of snow during the winter.

ɨ Temperatures throughout the Colorado basin are high during the summer, which means that there is a net loss of water through evaporation.

ɨ Evapotranspiration can be as high as 180mm per anum.

ɨ The snow meltwater is essential to the maintenance of the flow of the river, which is at its highest in April and May.

ɨ The lower basin had been liable to flood, with disastrous consequences in the period 105-0, when the river burst its banks.

ɨ The river contains a high sediment load. Colorado means red colour, and it rarely has a clear appearance except in its mountain reaches. This means it is unsuitable for public water supply in its natural state.

Population growth in the Southwest.

ɨ The west and the Southwest have attracted people from the declining industrial areas of the Northeast. The Southwest in becoming more urban.

ɨ California's population has increased rapidly, creating a huge demand for water.

ɨ 70% of the water for San Diego is piped daily from the Colorado.

Why is there a need to manage the basin?

ɨ The river flows between 7 states and Mexico.

ɨ The demand of the states are different, although the greatest perceived need is for hydro-electric power to supply the towns and the farms of the region.

ɨ River water is used for irrigation throughout the basin.

How is the river being managed?

ɨ Management is through a number of federal and state funded projects, some of which are multi-purpose.

ɨ The 1st of the large schemes was the Hoover dam. Its primary purpose was to control the flow of the river, with the provision of hydro-electric power being seen as a means of paying the huge costs of construction

ɨ More great dams were planned on the river and their primary aim was to provide HEP., then flow control and irrigation

How effective was the management?

ɨ The issue of water supply to the farmers of Baja California was partly resolved after he construction of the Yuma and Morelos Dams

ɨ Irrigation water from the districts close to the Mexican border is returned to the river, but with a high saline content so that farmers in Mexico are disadvantaged.

ɨ Insufficient water of quality is forcing Mexican farmers to leave 0% of their land uncultivated.

ɨ The Colorado delta is now wasteland. Until the river was controlled, it was home to birds such as the egret, to wild cats, marine species and to marine grasses, which used to thrive in the interface between land and the sea.

ɨ There are now few communities attempting to make a life in this area.Please note that this sample paper on managing the colorado river is for your review only. In order to eliminate any of the plagiarism issues, it is highly recommended that you do not use it for you own writing purposes. In case you experience difficulties with writing a well structured and accurately composed paper on managing the colorado river, we are here to assist you. Your cheap custom college paper on managing the colorado river will be written from scratch, so you do not have to worry about its originality.

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Research Paper on Funds and Banking

What's OTC?

More than the Counter (OTC) is a industry for securities that are not listed on

an exchange. Security orders are finalized via telephone and a

computer network that connects dealers. As conversely on the NYSE, which

is an auction market, the OTC is a negotiated market. OTC dealers may

either act as principals or agents for customers. The NASD regulates the

OTC market. OTC stock prices are listed daily in newspapers, beside the

National Market Procedure stocks listed individually inside sleep from the OTC

market. The OTC industry is a primary market for bonds.The OTC market is self-regulated by members pertaining towards National

Association of Securities Dealers (NASD). The marketplace comprises of hundreds

of brokers and dealers tied jointly by the National Association of

Securities Dealers Automated Quotation (NASDAQ) system. NASDAQ acts as a

principal clearinghouse for trades. It lists thousands of OTC stocks and some

non-OTC problems that trade on so-called pink or yellow sheets. Companies

not on a NASDAQ program could be intimately held, could be very good quality

firms, even so they are able to also might be disaster-prone penny stock companies.Investors should be conscious of price differences among stocks on

registered exchanges and stocks on the OTC. OTC stocks have 2 prices,

the bid, that's the invest in cost and the ask, which is the selling

price. The bid price is usually up to 10 to 15 percent higher than the

ask price. This "bid/ask spread" is a commission that goes to the

broker/dealer. You buy at the asked price, which is higher cost and sell

at the bid, that's the lower price. The difference goes to the

broker-dealer, the marketplace maker to your stock. Essay college writing.

Such as NOT-SO-BIG business may perhaps have a bid of 5 and ask of 4 5/8. If

you bought 4000 shares, the commission would be 3/8 times 4,000, or $1500.

You will not see the $1500 commission charge on your order but the broker

or market maker is creating the money on the transaction. If you have been to at

as soon as market your 4,000 shares, the broker would pay you 4,000 x 4 5/8, or

$18,500. The $1500 has gone straight into your broker's pocket. However,

they'll claim they didn't charge you a commission. Smaller stocks on the OTC

markets typically move up or down in costs faster than larger companies.

Nonetheless, by reason of broad spreads, a trading strategy to take

rewards on the cost moves may possibly generate more commissions to your broker

than profits for you. Penny stock companies typically toll excessive

commissions. For instance, the SEC reported a brokerage that sold a

client $25,000 in stock and created a $12,500 commission.

Market risk

Market risk pertains towards the risk of publicly traded securities, where

informed and uninformed decisions consume place, thereby increasing the

uncertainty. Exactly where the uncertainty or the risk pertaining on the capital

markets are concerned, 1 with the strategy to reduce these kinds of risk is

spreading the risk or diversifying. This strategy spreads the overall

risk, so in turn, the investor doesn't end up in doldrums. Another

strategy to reduce the marketplace risk is by managing it via buying of

national securities in capital markets, wherever the cost fluctuation is

lowest as these securities are backed and secured by the government.

Another thing that contributes to your relationship for your demand for

income and also the changes in the interest rates is the asset demand for the

money. In general, a well-constructed portfolio may possibly desire to contain low risk investments along with riskier ventures. But it is not in general

advisable to maintain M1 (currency or checking deposits). The reason is that

another assets, for example the federal government securities or safe funds market mutual income are just as safe asM1 and have greater interest rates. Thus the transaction dollars is dominated asset as other assets are both safe

but have higher yields. Thus the overall risk of capital markets can

either be diversified or reduced by the strategies outlined above. Write my paper.