Free Essay

Discover

In:

Submitted By baser
Words 3207
Pages 13
Dioecious. Having the male and female reproductive organs in separate individuals
Plumerias are tropical trees famous for their gorgeous flowers which are used to make leis (floral garlands). 1. Axils. the upper angle between a leaf stalk or branch and the stem or trunk from which it is growing. 2.
A transgenic is a gene or genetic material that has been transferred naturally
 hermaphrodite is an organism that has reproductive organs normally associated with both male and female sexes. Many taxonomic groups of animals (mostly invertebrates) do not have separate sexes
Pollen is a fine to coarse powder containing the microgametophytes of seed plants, which produce the male gametes (sperm cells stamen (plural stamina or stamens) is the pollen-producing reproductive organ of a flower.

Carica papaya. Scientific name of papaya
Dietary fiber or roughage is the indigestible portion of food derived from plants. pulp is usually removed from the juice by filtering it out.
Polyphenols are abundant micronutrients in our diet
Carotenoids are organic pigments that are found in the chloroplasts and chromoplasts of plants
 Pectin is a naturally-occurring thickening agent that is most often used by adding it to jams, jellies
Edible. Something fit to be eaten
Lozenge. Medicated

Enzymes are biological molecules (proteins) that act as catalysts and help complex reactions occur everywhere in life.Â
Antioxidants are chemicals that block the activity of other chemicals known as free radicals.
Bloating and gas are usually tied to what and how you eat,Â
Laxatives (purgatives, aperients) are substances that loosen stools and increase bowel movements
Sluggish. slow to respond (as to stimulation or treatmen
Soluble fiber attracts water and turns to gel during digestion
Carbohydrates are one of the main types of nutrients. They are the most important source of energy for your body
Cholesterol is a waxy, fat-like substance that occurs naturally in all parts of the body.Â
 Riboflavin (vitamin B2) works with the other B vitamins. It is important for body growth and red blood cell production
 Thiamin (vitamin B1) helps the body's cells change carbohydrates into energy. sodium's role in the maintenance of normal fluid levels is the part it plays in controlling your body's blood volume and thus blood pressure
Potassium is a very important mineral for the proper function of all cells, tissues, and organs in the human body. It is also an electrolyte, a substance that conducts electricity in the body calcium to keep your bones and teeth strong, thereby supporting skeletal structure and function
 Iron is an essential element for blood production magnesium It helps to maintain normal nerve and muscle function, supports a healthy immune system, keeps the heart beat steady, and helps bones remain strong. phosphorus is in the formation of bones and teeth. It plays an important role in how the body uses carbohydrates and fats carbohydrate in the body includes providing energy for working muscles, protein. Antibodies bind to specific foreign particles, such as viruses and bacteria, to help protect the body.
Niacin. They also help the nervous system function properly
Pyridoxine is required for the proper function of sugars, fats, and proteins in the body.Â
Components of papaya
Originally from Central America, the papaya plant is today cultivated in most tropical countries. Termed as the "fruit of the angels" by Christopher Columbus, papaya is a true nutritional powerhouse. It is also a great food to add to your diet if you suffer from digestive complaints, in particular constipation. Papaya is one of the best fruit sources of vitamin C which helps soften the stool (papaya contains even more vitamin C than oranges). But vitamin C is hardly the only feature that makes papaya effective at promoting digestive health. Papaya contains papain, a protein-digesting enzyme, as well as a number of other active compounds that have been shown to ease constipation. Papain is more concentrated in green unripe papaya than in ripe papaya. Green papaya, which is often more readily available in Asian food stores, makes a nice addition to salads.

Source:Â http://www.healwithfood.org/constipation/foods.php#ixzz3TK7XAJc8

Papaya Benefits
Christopher Columbus was known to have called papaya the “fruit of the angels”. The orange colored melon-like fruit is native to southern Mexico and Central America, but can be grown in most tropical areas. Ripe papaya is commonly used around the world to make juice or as a delicious addition to salads, salsa, or desserts. Papaya is also commonly used as a meat tenderizer, digestive enzyme, or to make chewing gum.(2).
Papaya contains a special digestive enzyme called papain, which is why it is most known to be a powerful digestive aid. But improved digestion helping the body to detox  isn’t the only benefits of papaya- it can also help the body to heal wounds, to reduce inflammation, to purify the blood, and much more. Papaya, like other types of tropical fruit, are also high in multiple vitamins, minerals, flavonoids, and antioxidants and are used around the world to boost overall health in numerous ways. This is the reason I include papaya extract in my multi-vitamin blend and also have it on my Healing Foods Shopping List as part of a healing diet.

Papaya Nutrition Facts
 One cup of mashed papaya, or about one small papaya, contains approximately (in recommended daily values): * 100 calories * 25 grams of carbohydrate * 4 grams of fiber * 224% vitamin C * 26 % folate * 15% vitamin A * 14% magnesium * 14% potassium * 13% copper * 11% pantothenic acid
Papaya’s biggest nutritional benefit is that it is high in vitamin C, providing 237 grams or almost 400% of the recommended daily value of 60 grams per day. This makes it a high antioxidant food as well as a great way to help prevent common colds  or flu  during the winter season. As with most orange and yellow fruits and vegetables, it is also contains 184 mcg of vitamin A in the form of beta-carotene, a precursor to vitamin A commonly found in plants.
Beta-carotene has been shown to help prevent mouth and lung cancer. Papaya provides 144 mcg of folate, a necessary B-vitamin for DNA formation, especially critical for pregnant women. It is also high in other B vitamins such as B6 and pantothenic acid, both critical to help our bodies utilize calories efficiently.
Papaya also provides critical minerals such as potassium and magnesium, which help maintain bone health, fluid regulation and the control of blood pressure. Magnesium also helps with stress reduction. Papaya contains the flavonoids lutein, zeaxanthin, lycopene, and crytoxanthin, all antioxidants that help fight free radical damage and may help decrease the effects of aging. Lutein and zeaxanthin are especially critical in helping reduce the risk of macular degeneration, the leading cause of age-related vision loss.(7)

Top 10 Papaya Health Benefits
Due to its nutritional content, papaya has a variety of health benefits. The high antioxidant and flavonoid content that papaya provides is where the majority of the health benefits found in papaya.
 1. Helps Aid Digestion
Compounds found in papayas help to break down and use proteins properly; specifically papain helps to break apart the bonds between amino acids, which are the building blocks of proteins. Papain is similar other types of enzymes made in the pancreas that help our bodies digest meat. But, these enzymes need acid for activation and papain can work even without the presence of acid.
Therefore, due to is ability to break apart amino acids, this digestive enzyme can be helpful for people struggling with low stomach acid who may not be able to tolerate consuming certain types meat. It can also help those with absorption problems better absorb protein once it has been eaten.
People with digestive disorders such as irritable bowel syndrome, leaky gut, orautoimmune and inflammatory bowel diseases may benefit from adding papaya or a papain supplement to their diet. Since papain helps with digestion, eating papaya in the morning can help reduce the symptoms of morning sickness for pregnant women. If you are pregnant add a slice of papaya to your breakfast to help soothe your stomach all day.
Eating papaya can help tp prevent constipation due to its high fiber content and may be especially helpful if you eat any type of processed meat or if you overindulge. Papain can be found as a supplement alone and is found in many digestive enzyme formulations. But, since eating papaya has so many other health benefits, why not just enjoy this delicious fruit instead of taking a supplement?

2. Anti-inflammatory
A 2011 study in the journal of Molecular Nutrition and Food Research found that inflammatory markers decreased when test subjects were given papaya. Researchers believe that papaya may help reduceinflammation for people with inflammatory medical conditions such as rheumatoid arthritis, although further research is needed.(8)
Papain has also been shown to help reduce inflammation in people with disease such as asthma or arthritis and can help reduce inflammation in the prostate.(4) Lower levels of bodily inflammation is often associated with naturally slowing aging.

3. Strengthens Blood
There is much in interest in the use of papaya as a blood strengthener to help people who have a medical condition called thrombocytopenia, or low blood platelets. This is a dangerous medical condition that can reduce the body’s clotting ability and potentially lead to internal bleeding.(10)
A study conducted on mice found that those given papaya leaf extract had significantly higher platelet and red blood cell counts after 72 hours compared to those in the control group. Researchers believe that papaya extract may eventually be a treatment for people with blood disorders. (11, 12)

4. Benefits Cardiovascular Health
Vitamin C has been shown to help reduce the risk of heart attacks by helping protect the arteries against damage. It may help reduce free radical damage and the oxidation of cholesterol, reducing the ability of cholesterol to form plaques along the artery walls.
People with diets low in vitamin C have been shown to have a greater risk of developing a heart attack or stroke, although more research is needed to determine the exact mechanism.(13) Folate also helps convert a substance linked to heart attacks called homocysteine into other benign amino acids, reducing risk of a cardiovascular event.(14)

5. Helps Prevent Cancer
Papain, since it is able to breakdown proteins, may be able to help attack the protective coating found on cancer cells, preventing their growth. There is significant interest in this area of cancer and diet connection and how enzymes like papain can be used in helping treat cancer.(6)
Vitamin C and beta-carotene, both of which are high in papaya, have been linked to a decreased risk of cancer, especially colon cancer. Fiber can also help reduce the amount of cancer-causing toxins in the digestive system and papaya provides almost 7 grams per serving. Because of its high antioxidant and anti parasitic properties, papaya also makes an excellent addition to a regular detox or cleanse that can further boost immunity.

6. Prevents Macular Degeneration
The flavonoids lutein and zeaxanthin can help preventmacular degeneration, an age-related loss of vision. Zeaxanthin specifically helps filter out blue light that can be harmful to the retina.

7. Protects Against Arthritis
A 2004 study found that people with diets low in vitamin C, and therefore low in fruits and vegetables, had a three times greater risk of developing polyarthritis, an inflammatory condition that affects multiple joints. (15)
Vitamin C is also protective against other types of inflammatory conditions such as gout. This powerful vitamin has been found to lower C-reactive protein, a common marker of inflammation. (16, 17)

8. Prevents Asthma
Beta-carotene has been shown to help reduce the risk of asthma. Vitamin A levels are especially critical for children to help reduce airway inflammation levels.(18)
Papaya seeds also have their own nutritional benefit and can be eaten, although they are quite bitter. They have been used as a folk medicine to treat parasitic infections, E.coli, and other viral and bacterial infections.

9. Anti-agingÂ
Due to the high levels of vitamin C, vitamin A, and other flavonoids, papaya is a great fruit to help keep the skin healthy and wrinkle-free. These nutrients work as antioxidants helping prevent free radical damage the leading cause of aging.

10. Anti-viralÂ
Papaya leaves have been used treat dengue fever, a deadly viral infection from mosquitos in tropical areas. In one particular study, the leaves were mixed with water and given to patients twice a day. This treatment showed significant decrease in viral activity after five days(9).
Traditional Polynesian cultures in Hawaii and Tahiti, made poultices out of papaya skin to help with wound healing, the skin is particularly high in papain. They would apply the poultice directly to the skin to heal burns, rashes, or bug bites.(3)Papain can be used to treat fungal and viral infections of the skin, such as warts or ringworm. It helps destroy the layer of protein that protects viruses and fungi against attack, helping reduce their ability to reproduce. (5)

Papaya History
It’s believed that papaya was first grown in Southern Mexico and Central American regions, where Spanish explorers first came across the seeds and edible sweet fruit and brought them along during travels through Central America, India and other Pacific islands.
Around 1626, it’s thought that seeds were brought to Italy and then spread across Europe. Today papaya is used in many types of cuisines- it’s prevalent in pacific island dishes, Thai, Hawaiian, Indian, Malaysian, and Filipino recipes, and more. Because papaya scans the globe, it if called by many different names including the popular name “pawpaw” which is used in many European nations and across Australia.

Papaya: How to Purchase & Prepare
Papayas are a part of the plant family Caricaceae and grow on the Carica papaya plant in tropical climates. Papayas are an interesting fruit in that their trees actually come in three “sexes”: male, female, and hermaphrodite. Only the hermaphrodite plant produces the papaya fruit, while the other two kinds produce trees, leaves, and seeds but will not grow into the edible food we know as papaya. For this reason, today nearly all commercial papaya growers plant and cultivate hermaphrodite papaya plants, since they contain all of the parts necessary to germinate themselves and keep reproducing new seeds.
Today papaya is grown around in the world in different tropical areas, with India, Indonesia, Brazil, Nigeria, Mexico, certain U.S states (Hawaii, Florida, and Southern California), and many Central American nations being the largest producers. The popularity of using papaya in recipes around the world has only continued to increase over the past few decades, as India has grown to now produce over 38% of the papaya grown worldwide.

Previously, it was difficult to find papaya outside of the tropics, but now it can be seasonally found in most supermarkets. There are two main varieties of papaya: Mexican and Hawaiian type. The Mexican type can grow up to 10 pounds in size, whereas the Hawaiian one is generally smaller.
Both have a sweet orange-colored flesh and dark, gelatinous seeds on the inside.(1) When immature, papaya is green and can only be eaten if cooked. Green papaya is used for stir fries and curries in many Asian dishes. As papaya ripens it develops its yellow-orange color and its signature sweetness. A ripe papaya has orange skin that will give a little when pushed.
If you purchase a papaya to eat the same day, choose one that has a reddish-orange skin and is softer, it is okay if it has a few black spots on the skin. If the papaya is yellow it will take a few days out on the counter to ripen. Papaya is best eaten at room temperature to allow the sweet flavors to develop. If you are planning on dicing it up, be sure to eat as soon as it is cut for the best taste.

Avoiding GMO Papaya
Papayas plants are vulnerable to a few widespread viruses and fungus, specifically a variety of papaya ringworm that ruins the plant’s fruit, so this made researchers investigate papaya seeds in order to see if genetically altering them could produce more protection against viruses.
Researchers were successful in creating a strand of genetically modified (GMO) papaya seeds to make them more resilient to pests and bacteria, and in turn produced Rainbow papaya and SunUp papaya, which now make up 80% of the papaya grown in Hawaii, one of the world’s biggest producers.
While it is still possible to find  non-GMO papaya sold in the U.S, you will need to ensure you are purchasing an organic variety in order to know that the papaya has not been modified in any way. GMO crops are often the cause of unwanted allergies and digestive disorders, in addition to more serious problems, so organic, non-GMO papaya should always be your first choice.

Papaya Recipes
Papaya can be eaten raw, sliced in half, with the seeds scooped out. You will want to add a little squeeze of lemon to enhance the flavor. The seeds of the papaya are usually discarded, but they are also edible. They are slightly spicy and can be used as a pepper substitute in salad dressings and other sauces. Papaya is amazing in a smoothie to start the day right. Try this recipe or create your own by mixing papaya with other tropical fruits and your favorite protein powder.
Strawberry Papaya Smoothie
Ingredients:
* ½ cup strawberries * 1 cup sliced papaya * 1 cup coconut kefir * 1 scoop vanilla protein powder * ½ cup water and ice
Directions:
Add all ingredients to a blender and blend on high until smooth.

Also try subbing in papaya in place of other tropical fruits in these healthy recipes: * Added to Avocado Salsa * On top of Walnut Spinach Salad * Dipped into this healthy Chocolate Fondue

Possible Papaya Side Effects
Papaya may cause allergic reactions in people allergic to latex. Papayas and other fruits contain a substance called chitinase that are associated with cross-reactions between latex and fruit. Green papaya contains the most potential for allergic reactions, therefore it should not be eaten raw.
Papaya has many amazing nutritional and health benefits. Add it to your favorite salad or use it make a delicious salsa.Next time you are shopping look for papaya at your local grocery store or enjoy it on your next island vacation.

Have you tried papaya? What is your favorite papaya benefit?

amboanga del Sur Medical Center’s (ZDSMC) additional 40-bed Service ward, 40-bed PhilHealth wards including the additional 16-bed semi-private rooms.
The inaugurated rooms will add to the present bed capacity of the Zamboanga del Sur Medical Center (ZDSMC), Gov Cerilles said.
The improvement of the Zamboanga del Sur Medical Center has resulted to a 45 percent increase in the cash collections from 2011 to 2012 to P48,676,308.61 to P85,441,110.60 respectively.
The Provincial Government also allocated a substantial amount to continue upgrading the ZDSMC into a 350-bed capacity tertiary hospital aim to give affordable and quality health and medical services to the constituents of Zamboanga del Sur, Cerilles emphasized.

Similar Documents

Premium Essay

Discover Card Rebranding

...Media Planning and Buying, Public Relations, and Conclusion of Discover Financial Services Rebrand Campaign By Jennifer Grant and Chad Lacey Traci O’Neill Integrated Marketing Communications Montana Tech of the University of Montana March 7, 2013 Media Planning and Buying In an effort to maximize effectiveness of our media planning and buying strategy, we are targeting the following consumers: 1. Adults with a credit score of 750 or higher that seek a rewards program that wishes to maximize returns on use of credit cards. 2. Adult, college-aged students who have no credit that desire to build a credit history. Geographically, we are targeting these consumers in the United States with a special emphasis in all major metropolitan areas. The timing of our campaigns will be fiscal year-long beginning in 2014. However, higher frequency bursts will be delivered to target audience members: 1. For students, we will increase frequency at the beginning of fall and spring semesters with a follow-up prior to summertime. 2. For others, we will create more frequent burst during major, celebratory holidays, and prior to summer. The vehicle selections we have chosen are thought to be the most effective in reaching our target audiences at a national level: 1. Magazines – Choose publications that are read by our audiences. For savvy adult consumers, we would advertise in business, financial, and other high end magazines. For students, we would choose outdoor...

Words: 1209 - Pages: 5

Premium Essay

Discover Card Financial Services

...DISCOVER FINANCIAL SERVICES A MARKETING RESEARCH STUDY CONSUMER LOYALTY AND THE INFLUENCE OF THE CUSTOMER SERVICE CALL CENTER Prepared for Discover Financial Services Prepared by Shantel Seppala Far Horizons Research December 8, 2013   Shantel Seppala Far Horizons Research December 8, 2013 China Financial Operations Manager Discover Financial Services Re: Market Research Report for Discover Financial Services Dear Sir or Madam: I am submitting this letter on behalf of Far Horizons Research in relation to the market research report authorized by Discover Financial Services. The purpose of the report was to gather information relating to loyalty of Discover customers and their respective interactions with Discover’s customer service call center. A great deal of time, analysis, and thought went in to the preparation of this study and final report. Upon releasing this report, I, Shantel Seppala, would like to personally ensure that this report was prepared with the utmost accuracy and as efficiently and cost effectively as possible. It has been of the highest pleasure to prepare this report for Discover Financial Services. Far Horizons Research has taken a great interest in this topic and would be more than willing to conduct additional research to either further support this specific topic or conduct new research. Thank you very much for giving us the opportunity to prepare this report for Discover Financial...

Words: 4815 - Pages: 20

Free Essay

Discover

...Policy No.: Approval Date: November 2000 The University of British Columbia Board of Governors 83 Last Revision: June 2005 Responsible Executive: Vice-President, Academic and Provost Vice-President, Learning & Research (UBC Okanagan) Vice-President, Administration and Finance Title: Travel and Related Expenses Background & Purposes: Travel is a necessary component in the gathering and dissemination of information and knowledge. The purpose of this policy is to facilitate travel in support of the University’s mission while maintaining controls for accountability. 1. General 1.1. This policy applies to travel expenses paid from all University administered funds, including those from grants and contracts. The University will reimburse the cost of authorized travel expenses incurred by members of faculty and staff and, in special cases, students or other persons, provided that: 1.2.1. the traveller was travelling on University business, or in support of the University’s mission; and 1.2.2. the traveller had advance authority to incur travel expenses (for example, through recognition of travel in a grant budget); and 1.2.3. the expenses are reasonable, appropriately documented, and comply with University policies and procedures, or the policies and procedures of a granting agency or funding contract; and 1.2.4. the expenses are approved for reimbursement by at least one administrative level higher than the person claiming reimbursement. 1.3. Travel supported...

Words: 4782 - Pages: 20

Free Essay

Discover

...Discover the Chief Health Benefits that have made Moringa Tea Famous * Boosts energy levels * Improves digestive function * Improves mental clarity/focus * Promotes sound sleep * Provides all vital vitamins * Contains several important minerals * Is an extremely powerful free radical fighter * Moringa has very high levels of fibers * Cleanses and Detoxifies the body of infectious toxins * Strengthens your immune system * Enhances sexual desire and performance * Fights cancerous cells * Slows down the aging process * Promotes healthier and younger-looking skin * Alleviates diabetes * Normalizes and regulates cholesterol levels * Helps maintain healthy heart function * Minimizes inflammation * Improves Blood Circulation * Prevents artherosclerosis * Enhances visual acuity * Helps stabilize normal blood sugar levels * Helps improve patients suffering from leukemia, dengue * Fights general depression and stress * Supports weight loss * Improves upon your overall physical strength If you’re looking into living a very long life… and… staying young and healthy… this very well could be the most important message you will ever read. One small common malungay tree is taking on the entire world’s illnesses…and winning! The secret all lies within how cells in your body die. Did you know there are only TWO ways for a cell in your body to die? Apoptosis – The Good Way The process where...

Words: 6873 - Pages: 28

Premium Essay

Discover

...ADMINISTRATION AND TECHNICIANS Camille Patch HCR/210 September 14, 2014 Connie Anderson ADMINISTRATION AND TECHNICIANS In this research paper I will be discussing the job that I want to do when I get my associates degree. The job that I want to do will be Medical Record Administration. I will be discussing what the job title and also if there are any jobs in New Hampshire. What Medical Record Administration job responsibility is that it oversees the medical records staff, which is responsible for the maintenance of patient records? Electronic medical records system requires staff to be familiar with health records software and security issues. A medical records administration must be familiar with the legislation to ensure compliance. Medical Record Administration does play a vital role in managing a hospital or clinic. They must perform many supervisory duties and create a safe environment for employees and patients. Most have to work in an entry-level position before attaining a promotion to administration. So far when it comes to jobs in my community, I live in New Hampshire and I have only found one position available. The job title was under Data Analysts: Quality Management. The responsible for this position was to support medical practices and the administration team. I do love this exercise because it made me aware of the qualifications that a medical record administrator does for a living. I had no clue what the position entitles and also...

Words: 252 - Pages: 2

Free Essay

Discover Australia

...Jackie Keyes Discover Australia 25/8/14 Re-Branding a Multicultural Australia The Opening Ceremonies of the Olympic Game’s are intended to be a way for the hosting country to present them selves to the rest of the world, along with welcoming them to their country. Such ceremonies are planned to be visually pleasing and exploding with dramatic representations of the host countries past and present culture, lifestyle, and rituals. Sydney used 2000 Opening Ceremony for the Olympic games as a way to demonstrate the important roll the British had in colonizing Australia while easing up previous racism accusations, as well as portraying Australia to be home to a vibrant unified multicultural society, offering world-class destinations.- All throughout the Opening Ceremony an evolution of stories were played out for viewers; certain stories were more centralized narratively then others in particular. A sugarcoated version of the Aboriginals history, British Colonies exploration and the evolution of a young Australia, are considered the primary tales narrated. Starting out with a large horse and man scene which spoke strongly to the tourist market specifically Americans, this was perceived as a stunt to attract viewers to Australia along with scenes involving Australia’s beaches, outback territory and high ratio of animals throughout the ceremony. The connection and reconciliation between the white girl who represents a young Australia and the aboriginal man spoke to the...

Words: 1138 - Pages: 5

Free Essay

Morgan Stanley Case Study

...Morgan Stanley Case Study 1 “Morgan Stanley Case Study” Total Rewards Dr. Judie Bucholz Strayer University Robyn L. Snow April 29, 2012 Morgan Stanley Case Study 2 Abstract Morgan Stanley was established by J.P. Morgan Jr in 1935 in New York. Before 1935, Morgan Stanley was only an investment department in J.P. Morgan group. Since its inception in 1935, Morgan Stanley has been a leader in investment management. The company provides a wide range of financial services for individuals and institutional investors. Morgan Stanley investment advisors educate clients at all stages of life in the benefits and risks of investing in mutual funds, stock, and bonds. Working with clients, they help to determine investment strategies based on goals and objectives, the time...

Words: 1017 - Pages: 5

Free Essay

Morgan Stanley’s Return on System Noninvestment-Case Study Solution

...Morgan Stanley’s Return on System Noninvestment Case Study Summary Morgan Stanley was established in 1935, and in 1997 merged with retail brokerage firm Dean Witter Discover and Co. to become a global financial services organization that employed more than 53,000 people in over 600 countries including Australia. Institutional Securities, Asset Management, Retail Brokerage and Discover were the four segments of Morgan Stanley. The merger altered the working environment of Morgan Stanley and created a divide in employee acceptance of the Retail Brokerage segment. It did not integrate well with the firm partly due to the information systems being different to the rest of the company.  Under CEO Philip Purcell’s management, Morgan Stanley’s infrastructure and systems did not grow with the needs of employees and customers, nor did it apply future technologies to their current systems, its focus was reducing overheads to maximize profits in the short term. Many brokers resigned, taking with them valuable portfolios and profits. In June 2005 Purcell resigned, and John Mack provided new leadership. The firm then began to change its information systems and provide better services for clients, which saw stronger ethos and integrity within the employees.  The new leadership at Morgan Stanley instigated change, and the realization that the Company must grow to keep up with the competition in the financial services industry. Not only did technology need overhauling within all the...

Words: 1923 - Pages: 8

Premium Essay

Describe the Technological Advantage Between Two Companies

... and the determine if dynamic pricing be applicable to the model. The two companies that I chose to compare are Sam’s Club and Costco’s. In comparing the two companies, I notice that Sam’s club business model is revenue model and a subscription model. Whereas Costco uses an affiliate model, when you click on the credit card you are directed to American express website. And also Costco is using the transaction fee revenue model, because the customer earns a percentage back on purchases with their credit card. As well they are using the subscription model, because they members are responsible for yearly membership fees. I think that Sams club have an advantage over Costco’s because it offers it own credit cards that is sponsored by discover credit cards. I feel as though Sam’s club would be an idea selection, because it has been around longer than Costco and Sam’s club also has partner up with Wal-Mart to sell products and services, which shows that they are branching out with other business to make a profit. Another company that I think would be profitable using this type of site would be banks because they offer a lot of product and services take for instance likes USAA, they offer travel, rental car services, and merchandise for sell to their members at a discounted price. They would be able to use this service to attract other consumers other than the military community. I think that dynamic pricing will be applicable to this model, because it will help the company...

Words: 338 - Pages: 2

Premium Essay

Haverwood

...Discover Financial Services is a banking and payment company that has been quite successful over the past few years as far as generating income from loans, particularly student loans. Taking a look at the chart below (Student Credit Growth) the increase in student credit is incredible for the market sector. The company’s largest competitor in this market in terms of size and profitability is Wells Fargo that also offers student loans online. This already established market shows no signs of slowing down in the near future. The aim of the game is to have competitive rates amongst your peers, which is exactly what both companies have done. They also offer incentives in order to compete with their identical loan structures. While both of them can be seen as traditional banks, they have moved their student loan services and other lending options online putting them in-line with other competitive “online lenders” to compete for their own share of the market and gain a competitive advantage. Online lenders compete in the market by taking several factors into consideration. These factors include but are not limited to cost of capital, customer service, and regulation. According to an article in the Huffington Post, the former administrator of the U.S. Small Business Administration Karen Gordon Mills “showed the relative strengths and weaknesses of banks vs. online lenders.” (1). Within the article is a table assessing the competitive advantages of traditional banks and online lenders...

Words: 737 - Pages: 3

Free Essay

Conjoint

...limit. A potential consumer rates each of the following nine credit cards on a 0 to 9-point scale, where 0 means that the offering is really terrible and 9 means that the offering is very excellent. Card #1 Discover $20 annual fee $2,500 credit limit Score: 3 3 | Card #2 MasterCard $20 annual fee $5,000 credit limit Score: 8 8 | Card #3 Visa $10 annual fee $5,000 credit limit Score: 9 9 | Card #4 MasterCard No annual fee $1,000 credit limit Score: 4 4 | Card #5 Discover $10 annual fee $1,000 credit limit Score: 1 1 | Card #6 Discover No annual fee $5,000 credit limit Score: | Card #7 Visa No annual fee $2,500 credit limit Score: 5 5 | Card #8 MasterCard $10 annual fee $2,500 credit limit Score: | Card #9 Visa $20 annual fee $1,000 credit limit Score: 2 2 | a. Utility function: Calculate the utility function of each brand based on the above response. Show how you calculate the utilities to demonstrate understanding. Record the utilities in the table below Part worth utilities: Brand | Utility | Annual Fee | Utility | Credit Limit | Utility | Visa |  5.33 | No annual fee |  5.33 | $1,000 credit limit |  2.33 | MasterCard |  6.00 | $10 annual fee |  5.33 | $2,500 credit limit |  4.67 | Discover |  3.67 | $20 annual fee |  4.33 | $5,000 credit limit |  8.00 |...

Words: 1641 - Pages: 7

Free Essay

Management

...Purcell felt that the rebound of the economy would be slow following the stock market crash in 2001. In order to survive, he felt that the company needed to concentrate on maximizing profits instead of generating revenue. Given this strategy, he cut costs, jobs, and investments in areas such as information technology. It is also possible at the startup of the company in 1935 or thereafter there was not an importance given to IT development; this culture might have persisted or simply a refelection of management’s perspective as to the need of information technology. 2. Why was the merger with Dean Witter disruptive for the company? Morgan Stanley operates in four segments: Industrial Securities, Asset Management, Retail Brokerage, and Discover (formerly Dean Witter). Despite the merger, the Retail Brokerage group was never accepted as an equal partner by the rest of Morgan Stanley. This was clearly an employee integration problem either because of the employees’ perception or their reality. This division was also not well-integrated with the rest of the company. Former Dean Witter employees claimed that they felt like disrespected outsiders after the merger. The unification of Morgan Stanley and Dean Witter created a digital, cultural, and philosophical divide. The feelings persisted and many retail brokers viewed their job security as tenuous at best. Coupled with the problems associated with the merger, Morgan Stanley also had its own share of problems in the inner sanctum...

Words: 1419 - Pages: 6

Free Essay

Analytical Review of Discover Magazine

...At first glance Discover magazine appears to be a scientific magazine comparable to Popular Science or Wired. Discover magazine does have information pertaining to the scientific community, but it is more than just single subject topics like electronics or biology. Discover magazine entices and educates its readers on latest technologies and breakthroughs within the entire scientific community not just one aspect of it. The scientific community is broad term used to describe those that are interested in one of the hundreds of scientific fields such as astronomy, computers, or health care to name a few. The magazine is geared toward all those interested in the scientific community with articles on subjects such as astronomy, chemistry, biology, technology, medicine, and more. Discover magazine contains articles that explain how these new scientific breakthroughs pertain to one on a day to day basis and how they will impact the future of the world. In a single issue of Discover magazine you are likely to read about topics such as medicine, asteroids, global warming, and animals. They colorful colors and photographs on the cover and in the magazine would lead one to believe that Discover magazine is a typical grocery store check-out lane item, however upon closer inspection one would note that it contains articles written by those that have advance degrees in science and Nobel Prize winners. In the October 2015 issue of Discover magazine there is a lengthy article about...

Words: 1094 - Pages: 5

Premium Essay

Discover Your Sales Strength

...WISDOM IN A NUTSHELL DISCOVER YOUR SALES STRENGTHS How the World’s Greatest Salespeople Develop Winning Careers By Benson Smith and Tony Rutigliano Warner Business Books ISBN 0-446-69037-6 244 pages BusinessSummaries.com is a business book summaries service. Every week, it sends out to subscribers a 9- to 12-page summary of a best-selling business book chosen from among the hundreds of books printed out in the United States every week. For more information, please go to http://www.bizsum.com. Discover Your Sales Strengths Page 2 Web Site of the book: http://www.gallup.com/publications/sales.asp www.bizsum.com © 2001 - 2003 Copyright BusinessSummaries.com Discover Your Sales Strengths Page 3 THE BIG IDEA A huge number of books have been written about sales and finding one’s road to success in achieving exceptional sales performance. Like fresh-off-the-press diet book bestsellers, they promise spectacular results, but lasting improvement in the end is still hard to find. This book identifies the many myths associated with exceptional sales and explains how believing them may negatively affect one’s performance. It will also show how important it is to fit one’s talents into the right job, whether it be as sales representative or sales manager. THE GREAT SALES MYTHS Doctors tell us that kidney stones are one of the most painful medical conditions human beings may suffer from. These small calcium fragments form in the kidney and eventually...

Words: 4236 - Pages: 17

Free Essay

Seahawks Discover Beer Hijinks

...Seahawks Fans Discover Beer Hijinks Tickets to watch an NFL game aren’t cheap, and for those of us who don’t have corporate entities sponsoring our fandom and nacho habit, the opportunity to attend one is a big deal. We wear jerseys to be properly attired, take photos so we can be properly nostalgic and buy overpriced beers to get properly inebriated. And because we go through so much to make cheering on our football team a big event, most of us are even willing to splurge on the big beers. Support the team, right? Everyone is in this together. Unless they aren’t. Two intrepid Seahawks fans noticed something curious recently about the beer cups they had just purchased at Qwest Field in Seattle. The medium 16-ounce – which sold for $7.25 – and the large 20-ounce – which sold for $8.50 – held exactly the same amount of beer! Though it didn’t take a very complicated experiment to prove this hypothesis, the company that manages the stadium – First & Goal – was willing to admit the liquid discrepancy after an “internal investigation”. Representatives were also unsure how or when the conundrum began. The other issue confounding First & Goal was simply why there was so much outrage. After all, people who paid only $7.25 for a 20-ounce beer should feel like they won a mini, alcoholic lottery, right? Some of them may have, but in cases like these, the more vocal group is typically the one who feels more slighted. And for the long-suffering Seattle fans who remember...

Words: 357 - Pages: 2