Concept of Learning Sample Essay - Is it Worth the Money?

Concept of Learning Sample Essay - Is it Worth the Money?A concept of learning sample essay is required by all candidates for higher studies. It also helps the teachers in the process of teaching as this would help in recognizing each student's knowledge level and hence could be used to guide him with his answers. The study guide would guide the student to the right places to find the right answer.One of the best ways to get rid of homework is to find a concept of learning sample essay for these essays and send them to your school teacher. Since homework is meant to be an extra lesson for those who have not enrolled in classes, it can be really tough to find the right answer to a single question in such a case. The essay helps a candidate to find out the solution to the problem or the right way to resolve it. There are times when the teacher asks you to find the answers through reading the question or the previous one. It would be an easy task for you to find out the solution in such a case.Through the concept of learning sample essay, you would know what the answer is to the question. In this type of essay, you would find out the most obvious answer. You would know that if you take a pencil and paper, you can easily do the math problem, the science problem and the essay question. Therefore, there would be no difficulty in solving the problems.This essay helps in identifying your knowledge, interests and ability among other various sections of studies. In addition to that, you can use this to learn about how you have come to know about the subject matter that you are studying in the first place. There are people who are not able to understand why they have studied certain subjects. The concept of learning sample essay will help you know that you have studied the subject because you find it interesting.The essay is easily available on the internet. Many of the websites even provide help for you in writing the essay yourself. Hence, you can choose from the differ ent category of topics available for you to write about. One could even write his own essay.Writing an essay is not that easy. You have to learn about the subject matter carefully select the correct words and correct sentence constructions. In writing an essay, you need to follow certain rules. You have to use proper grammar to give a proper explanation about the topic.You have to remember that you do not learn anything for free. As it is a part of your education, you have to spend some time and effort in order to master it. It is really tough to find the right answer to the question asked. If you are not able to master the concept of learning sample essay, then you could try to take the test for further studies. This could be one of the best ways to end up spending some money to get a better education.

Online learning and classroom learning

Challenge situation.

Challenge situation. The challenging family situation I would like to share with you is our move from Korea to the United States. In 1989, my life was changed when my family immigrated to a new country, hoping for a better future. My life in Korea was hopeless, because I was a failing student with not much interest in school. I spent the majority of my time in Arcades, wasting my coins on video games. Rather than studying with my friends, as I had told my parents I would, I obsessed over the games. The only positive aspect to my life was my private computer programming lessons. Programming in Apple BASIC presented me with an opportunity to create my own world. One day, my parents told me that we were going to move to the United States of America, and I developed a strong feeling that my life soon would change forever.United StatesAfter spending eleven years in Korea, our family moved to a totally different environment. This I knew would be my toughest challenge to date. As a fifth grader attending a new elementary school in a new country, I felt left out because of my inability to communicate. Some kids assumed that I did not understand them at all, so they made rude remarks about me. I understood them, maybe not completely, but I knew the intent of their messages. All that I had was my Apple II computer at which I just sat and programmed when I came home from school. At home, my parents pressured me to study all of the time, but I was frustrated and wanted to return to Korea. I wanted to go back and talk freely with my friends and play games with them. My parents often told me that they decided to move here...

Financial Report for Custom Snowboards Inc Essay

Financial Report for Custom Snowboards Inc - Essay Example At present the company is funded with $750 of debt to $903.8 of equity representing a debt to equity ratio of 0.83 or 83 cents of debt funding for every $1 of equity funding. Other considerations may consider the liquidity of the company, while many companies have a great business model and represent a good long term investment, many fail simply due to an inability to meet short term cash flow needs (Brealey et al 2006). At present, the liquidity position of Custom Snowboards Inc would appear to be healthy with a current ratio of 6.12 and an acid test of 3.91. The concern here on the behalf of the bank may be that Custom Snowboards Inc is not actually making best use of its current assets, rather than a concern over the liquidity of the company at this stage (Arnold, 2007). Further issues which the bank may consider is the long term prospects of the company, here the bank may choose to analyse both various measures of profitability as well as the underlying sales of the company which ultimately driver profitability. At present, the bank may highlight key concerns over both falling sales revenue and sharp falls in the operating and net profit margin. 2 In attempting to reduce perceived levels of risk, Custom Snowboard Inc may undertake a number of measures: Payback Debt – As has been noted, at present the company may be seen as having too high a level of liquid assets, indicating that the company is not using its assets in an efficient way. One way to reduce the perceived risk of the company would be to use such assets to reduce the amount of debt the company has. This would have a double effect on the company, on the one hand, the debt to equity ratio would reduce, making the company a less risky proposition for investors from a capital structure perspective. In addition, the liquidity ratios would be reduced to what the literature (Arnold, 2007) defines a more reasonable level. Overhead Reduction – One of the issues for Custom Snowboards Inc has been that while sales have fallen in recent years, fixed overheads have remanded the same thus resulting in a falling gross profit margin and presenting investors with a profitability risk. In seeking to address the problem, Custom Snowboards Inc should begin a program of overhead rationalisation. Here the company should seek to undertake a significant program of cost cutting with the aim of reducing overhead costs in line with the reduction in sales revenue seen. 3 In considering weather Custom Snowboards Inc is able to pay back the principal and loan it may be prudent to analyse a number of key ratios and tends. At present the company is paying an interest charge of $75,000 per year, if the company were to take on an additional $1m of debt at 6.75% this would add an additional cost of $67,500 PA to the company’s interest charges. Recent years have already seen key ratios declining with the net income ratio falling from 1.7% to 0.5%, and times interest earned reducing from 2 .91 to 1.53. It is believed that by increasing the amount of debt in Custom Snowboard Inc’s capital structure and thus adding greater costs of financing, these key ratios will be reduced further thus questioning whether the company can afford the additional interest charges and principal payments. In considering the net income ratio and times interest earned, it should already be noted that in year 14, Winter Sports outranked Custom Snowboard

Secondary Research Paper Essay Example | Topics and Well Written Essays - 1750 words

Secondary Research Paper - Essay Example And most of the time, service provide are seen taking the lead to offer exceptional plans which may include abundant amounts of air time and even less rates with regard to international roaming. Further, getting online too is being made easy through the cellular handset, which the fixed line telephone user can never dream of. With the internet turning out to be an important part of everyday life, mobile phones most of the time, while on travel or on holiday, help the customer log on to the World Wide Web without much hassle. Customer experiences have also given the thumbs on this, complaining that the fixed phone lines often turn out to be too noisy to allow a modem connection at any speed.   Ample research done on this suggests that the mobile telephones have overtaken fixed telephones in terms of subscribers. So is the case with traffic and revenue. Besides, fixed-line operators have begun having to face competition from new entrants in local, national and international long-distance telecommunications and Internet markets, as well as substitution from their mobile counterparts. In such an event of fixed line phones facing an era of being obsolete in the near future, it would be important to study what causes this phenomenon, and to look at what really ails the fixed-line telephone sector. The ever increasing spread of mobile phones and easy access to voice over internet protocol (VoIP) facilities have stood in the way of fixed line operators, ever since these technologies began to blossom. More subscriptions meant more revenue for service providers. As more customers began logging on to these new-age technologies, users diminished with regard to fixed line operators. More important was the cost involved. Long distance calls came for peanuts, as compared to the costs involved in making such calls over the fixed phone. Many a mobile phone company took the leap toward more revenues seeing the vast opportunity before them. More customers

Successful brand extensions in the FMCG industry

Successful brand extensions in the FMCG industry INTRODUCTION Brand extension or brand stretching is a marketing strategy in which a firm marketing a product with a well-developed image uses the same brand name in a different product category. The new product is called a spin-off. Organizations use this strategy to increase and leverage brand equity (definition: the net worth and long-term sustainability just from the renowned name). An example of a brand extension is Jello-gelatin creating Jello pudding pops. It increases awareness of the brand name and increases profitability from offerings in more than one product category. A brands extendibility depends on how strong consumers associations are to the brands values and goals. While there can be significant benefits in brand extension strategies, there can also be significant risks, resulting in a diluted or severely damaged brand image. Poor choices for brand extension may dilute and deteriorate the core brand and damage the brand equity. Most of the literature focuses on the consumer evaluation and positive impact on parent brand. In practical cases, the failures of brand extension are at higher rate than the successes. Some studies show that negative impact may dilute brand image and equity. In spite of the positive impact of brand extension, negative association and wrong communication strategy do harm to the parent brand even brand family. Organizations frequently follow brand extension strategies. This paper investigates the impact of category similarity, brand reputation, perceived risk, and consumer innovativeness on the success of brand extensions in FMCG, durable goods, and services sectors. A set of hypotheses were developed and tested in a study amongst 153 consumers. The findings show that extensions into categories more similar to the original brand tend to be more readily accepted. Likewise, the reputation of the original brand is an important factor influencing the success of the extension. These findings are consistent across FMCG, durable goods, and services brands. However, perceived risk about the extension category was only found to enhance acceptability of extensions for durable goods and services brands. Innovative consumers are more positively disposed towards service brand extensions than FMCG and durable goods brand extensions. REVIEW OF LITERATURE In his paper, Hem Leif E a set of hypotheses were developed and tested in a study amongst 701 consumers. The findings show that extensions into categories more similar to the original brand tend to be more readily accepted. Likewise, the reputation of the original brand is an important factor influencing the success of the extension. These findings are consistent across FMCG, durable goods and services brands. However, perceived risk about the extension category was only found to enhance acceptability of extensions for durable goods and services brands. Innovative consumers are more positively disposed towards service brand extensions than FMCG and durable goods brand extensions. (Factors Influencing Successful Brand Extensions By: Hem, Leif E.; de Chernatony, Leslie; Iversen, Nina M.. Journal of Marketing Management, Sep2003, Vol. 19 Issue 7/8) In his paper, Thamaraiselvan, Raja, projects the intense competitive environment where companies launch new products to satisfy constantly changing consumers preferences. The new products are prone to failures due to many factors. Companies take efforts to reduce new product failure rates to maximize their returns for their stakeholders. A brand extension, leveraging existing brand names to new product categories is one such strategy to reduce the risk of new product failures. This study primarily focuses on how consumers evaluate brand extensions for FMCG (Fast Moving Consumer Goods) and service product categories in Indian market conditions. It explores how exactly the consumers evaluate different product categories based on factors like, similarity fit, perceived quality, brand reputation and perceived risk. It brings out the impact of brand reputation of the core brand and perceived service quality on the brand extensions evaluations. It highlights the role of perceived risk invo lved in the extended product category in brand extensions evaluations. Most importantly, this study establishes the relationships among similarity fit, brand reputation, perceived service quality and perceived risk in extended product categories through appropriate multivariate analysis. (How do Consumers Evaluate Brand Extensions- Research findings from India. By: Thamaraiselvan, N.; Raja, J.. Journal of Services Research, Apr2008, Vol. 8 Issue 1 ) In his article, Park, examines two factors that differentiate between successful and unsuccessful brand extensions: product feature similarity and brand concept consistency. The results reveal that, in identifying brand extensions, consumers take into account not only information about the product-level feature similarity between the new product and the products already associated with the brand, but also the concept consistency between the brand concept and the extension. For both function-oriented and prestige-oriented brand names, the most favorable reactions occur when brand extensions are made with high brand concept consistency and high product feature similarity. In addition, the relative impact of these two factors differs to some extent, depending on the nature of the brand-name concept. When a brands concept is consistent with those of its extension products, the prestige brand seems to have greater extendibility to products with low feature similarity than the functional b rand does. (Evaluation of Brand Extensions: The Role of Product Feature Similarity and Brand Concept Consistency. By: Park, C. Whan; Milberg, Sandra; Lawson, Robert. Journal of Consumer Research, Sep91, Vol. 18 Issue 2 ) In his research paper, Hem Leif, projects that the most successful brand extensions are considered to be those having high perceived similarity between the parent brand and the extensions, and being well known in the marketplace. However, previous research has mainly examined the effects of overall measures of perceived similarity between a parent brand and an extension. Correspondingly, little is known about the effects of different areas of consumer knowledge. This study investigates the effects of three types of perceived similarity (usage, associations, competence) and three areas of consumer knowledge (original brand, original category, extension category) on evaluations of brand extensions. The results indicate that some types of perceived similarity and knowledge are more important than others. These findings imply that brand managers need to identify and measure the relevant types of perceived similarity and knowledge that will affect evaluations of brand extensions in order to design effective communication strategies for extensions. (Effects of different types of perceived similarity and subjective knowledge in evaluations of brand extensions. By: Hem, Leif E.; Iversen, Nina M.. International Journal of Market Research, 2009, Vol. 51 Issue 6 ) In his article, Swaminathan, focuses on the impact of a new brand extension introduction on choice in a behavioral context using national household scanner data involving multiple brand extensions. Particularly, the authors investigate the reciprocal impact of trial of successful and unsuccessful brand extensions on parent brand choice. In addition, the authors examine the effects of experience with the parent brand on consumers trial and repeat of a brand extension using household scanner data on six brand extensions from a national panel. In the case of successful brand extensions, the results show positive reciprocal effects of extension trial on parent brand choice, particularly among prior non-users of the parent brand, and consequently on market share. The authors find evidence for potential negative reciprocal effects of unsuccessful extensions. In addition, the study shows that experience with the parent brand has a significant impact on extension trial, but not on extension repeat. (The Impact of Brand Extension Introduction on Choice. By: Swaminathan, Vanitha; Fox, Richard J.; Reddy, Srinivas K.. Journal of Marketing, Oct2001, Vol. 65 Issue 4 ) INDIAN FMCG INDUSTRY The Indian FMCG sector is the fourth largest sector in the economy with a total market size in excess of $13.1 billion. It has a strong MNC presence and is characterized by a well established distribution network, intense competition between the organised and unorganised segments and low operational cost. Availability of key raw materials, cheaper labour costs and presence across the entire value chain gives India a competitive advantage. The FMCG market is set to treble from $11.6 billion in 2003 to $33.4 billion in 2015. Penetration level as well as per capita consumption in most product categories like jams, toothpaste, skin care, hair wash etc in India is low indicating the untapped market potential. Burgeoning Indian population, particularly the middle class and the rural segments, presents an opportunity to makers of branded products to convert consumers to branded products. Growth is also likely to come from consumer upgrading in the matured product categories. With 200 millio n people expected to shift to processed and packaged food by 2010, India needs around $28 billion of investment in the food-processing industry. The Indian FMCG sector is the fourth largest sector in the economy and creates employment for three million people in downstream activities. Within the FMCG sector, the Indian food processing industry represented 6.3 per cent of GDP and accounted for 13 percent of the countrys exports in 2003-04. A distinct feature of the FMCG industry is the presence of most global players through their subsidiaries (HLL, PG, Nestle), which ensures new product launches in the Indian market from the parents portfolio. Demand for FMCG products is set to boom by almost 60 per cent by 2007 and more than 100 per cent by 2015. This will be driven by the rise in share of middle class from 67 per cent in 2003 to 88 per cent in 2015. The boom in various consumer categories, further, indicates a latent demand for various product segments. For example, the upper end of very rich and a part of the consuming class indicate a small but rapidly growing segment for branded products. The middle segment, on the other hand, indicates a large market for the mass end products.The BRICs report indicates that Indias per capita disposable income, currently at $556 per annum, will rise to $1150 by 2015 another FMCG demand driver. Spurt in the industrial and services sector growth is also likely to boost the urban consumption demand. HOUSEHOLD CARE The size of the fabric wash market is estimated to be $1 billion, household cleaners to be $239 million and the production of synthetic detergents at 2.6 million tonnes. The demand for detergents has been growing at an annual growth rate of 10 to 11 per cent during the past five years. The urban market prefers washing powder and detergents to bars. The regional and small un-organised players account for a major share of the total volume of the detergent market. PERSONAL CARE The size of the personal wash products is estimated at $989 million; hair care products at $831 million and oral care products at $537 million. While the overall personal wash market is growing at one per cent, the premium and middle-end soaps are growing at 10 per cent. The leading players in this market are HUL, Nirma, Godrej Soaps and Reckitt Colman. The oral care market, especially toothpastes, remains under penetrated in India (with penetration level below 45 per cent). The industry is very competitive both for organised and smaller regional players. The Indian skin care and cosmetics market is valued at $274 million and dominated by HUL, Colgate Palmolive, Gillette India and Godrej Soaps. The coconut oil market accounts for 72 per cent share in the hair oil market. In the branded coconut hair oil market, Marico (with Parachute) and Dabur are the leading players. The market for branded coconut oil is valued at approximately $174 million. FOOD AND BEVERAGES The size of the Indian food processing industry is around $ 65.6 billion, including $20.6 billion of value added products. Of this, the health beverage industry is valued at $230 million; bread and biscuits at $1.7 billion; chocolates at $73 million and ice creams at $188 million. The size of the semi-processed/ready-to-eat food segment is over $1.1 billion. Large biscuits confectionery units, soya processing units and starch/glucose/sorbitol producing units have also come up, catering to domestic and international markets. The three largest consumed categories of packaged foods are packed tea, biscuits and soft drinks. The Indian beverage industry faces over supply in segments like coffee and tea. However, more than half of this is available in unpacked or loose form. Indian hot beverage market is a tea dominant market. Consumers in different parts of the country have heterogeneous tastes. Dust tea is popular in southern India, while loose tea in preferred in western India. The urb an-rural split of the tea market was 51:49 in 2000. Coffee is consumed largely in the southern states. The size of the total packaged coffee market is 19,600 tonnes or $87 million. The total soft drink (carbonated beverages and juices) market is estimated at 284 million crates a year or $1 billion. The market is highly seasonal in nature with consumption varying from 25 million crates per month during peak season to 15 million during offseason. The market is predominantly urban with 25 per cent contribution from rural areas. Coca cola and Pepsi dominate the Indian soft drinks market. Mineral water market in India is a 65 million crates ($50 million) industry. On an average, the monthly consumption is estimated at 4.9 million crates, which increases to 5.2 million during peak season. With the presence of 12.2% of the world population in the villages of India, the Indian rural FMCG market is something no one can overlook. Increased focus on farm sector will boost rural incomes, hence providing better growth prospects to the FMCG companies. Better infrastructure facilities will improve their supply chain. FMCG sector is also likely to benefit from growing demand in the market. Because of the low per capita consumption for almost all the products in the country, FMCG companies have immense possibilities for growth. And if the companies are able to change the mindset of the consumers, i.e. if they are able to take the consumers to branded products and offer new generation products, they would be able to generate higher growth in the near future. It is expected that the rural income will rise in 2007, boosting purchasing power in the countryside. However, the demand in urban areas would be the key growth driver over the long term. Also, increase in the urban populatio n, along with increase in income levels and the availability of new categories, would help the urban areas maintain their position in terms of consumption. At present, urban India accounts for 66% of total FMCG consumption, with rural India accounting for the remaining 34%. However, rural India accounts for more than 40% consumption in major FMCG categories such as personal care, fabric care, and hot beverages. In urban areas, home and personal care category, including skin care, household care and feminine hygiene, will keep growing at relatively attractive rates. Within the foods segment, it is estimated that processed foods, bakery, and dairy are long-term growth categories in both rural and urban areas.

Pros and Cons of High Fructose Corn Syrup Essay -- Artificial Sweetene

High-Fructose Corn Syrup Abstract: High-fructose corn syrup is a commonly used artificial sweetener in foods. High-fructose corn syrup is a hydrolyzed version of ordinary corn syrup, which is produced via a steeping process. It is so widely used because it is both economically favorable and it helps to preserve food for extended periods of time. However, the drawbacks of high-fructose corn syrup include issues like potential obesity, diabetes, loss of liver function, malnutrition, and cancer. The fact that the producers of high-fructose corn syrup can deceive people that HFCS is harmless makes matters worse. High-fructose corn syrup (HFCS) is an artificial sweetener commonly used in the United States. As its name implies, this sweetener is derived from agricultural corn. All high fructose corn syrups are corn syrups whose fructose content has been increased via enzymatic processes and then mixed with pure corn syrup. There are several different formulations of high-fructose corn syrup. The product sold in the United States (HFCS #2) has the following composition: moisture, 29%; dry substance, 71% D.S.; dextrose, 50% D.S.; ash, 0.03 D.S.; and nitrogen, 0.002% D.S. The amounts of dextrose, fructose, and other saccharides may vary slightly in HFCS #3, but the analysis is fairly consistent. HFCS #1 hasn’t been commercially sold specifically for consumer consumption in the U.S. for many years. Instead, it is used by food producers in their products. 2 The process by which high fructose corn syrup is made is complicated. To start, ordinary corn syrup must be obtained. Then, enzymatic processes increase its original sweetness. To produce the basic un-enhanced corn syrup, wet milling is a commonly used technique. Wet-milling includ... ...Jones. 2006. 24 July 2008. . Forristal, Linda. â€Å"The Murky World of High-Fructose Corn Syrup.† Westonaprice.org. Ed. Linda Forristal. 2003. 24 July 2008. . Inglett, George E. Symposium: Sweeteners. Westport, Connecticut: The Avi Publishing Company, Inc., 1974. HFCSFacts.com. 2008. The Corn Refiners Association. 25 July 2008. Steindom, Joel. â€Å"My Food Manifesto, Part One: The Bad News.† Steidom.com. Ed. Joel Steindom, Heather Steindom. 2007. 24 July 2008. . National Academy of Sciences (U.S.). Sweeteners: Issues and Uncertainties. Washington, D.C.: National Academy of Sciences, 1975. Lachmann, Alfred. Starches and Corn Syrups. New Jersey: Noyes Data Corporation., 1970.