...proceed the deciles analysis. Section 2.7 concludes. 2.3 EMPIRICAL RESULTS Our empirical analysis uses annual Gini index from 24 Brazilian states and the Federal District. The Gini index measures the inequality of per capita income among individuals. The data are taken from the Institute for Applied Economic Research (Ipea) database and cover the 1976-2014 period. The summary statistics in Table 1 show that Brazilian all states have experienced high-income inequality during 1976-2014 period. The states at North and Northeast present the largest income inequality and states at South, the lowest, followed by Southeast and Midwest regions. The Distrito Federal is the most unequal and also the richest unit, and finally, Santa Catarina at South, is the state where income is more equally distributed. It was estimated a model of 3 dynamic factors: national, regional and idiosyncratic. Gini index series were grouped according to Brazilian Institute of Geography and Statistics (IBGE) classification for the composition of regions...
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...|SEITZ |February 1 | | |2009 | | A vision, obstacle, and a goal can all be found inside every business, but it is how they |Huntsville Plant | |are seen, defeated, and achieved that sets them apart. SEITZ promises that each and every day,| | |whether or not our doors are open or shut, we will stick to our mission and complete it to its| | |full potential. We will conquer the difficulties that are faced in our path, to ensure that we| | |are fair to customers, guests, employees and business. Relationships with our guests and | | |employees are our number one priority since SEITZ bases their success on the happiness of | | |their clients and employees. Service is an action that we will hold to its best and is | | |completely complimentary to everyone who steps inside our institution. | | Tables of Content: Essay Responses to the Questions....................................................….. 3 Project...
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...Reed Supermarkets – Action Plan Prepared by : Rishi Ranjan Reed Supermarket – Case Analysis Problem Statement : Meridith Collins, VP of marketing of Reed Supermarkets, is asked to increase the current market share of 14%(2010) to 16% by 2011.The following constraints are evident : 1. The market is fragmented with multiple players. 2. The operating margin is merely 2.1%, no scope of any error. 3. No investment plan for increasing the no. Of stores. Options available: 1. Increase margin/increase revenue – It will increase profitability. 2. Introduce Niche products – Healthy food items, organic products. 3. Increase operating efficiency – It will lower the operating cost. 4. Loyalty programs – It will help in retaining the customers. 5. Introduce mid-range products – It will attract non-affluent consumers. 6. Make tie-ups with corporate houses/ partners – It will add to the consumer base that may remain loyal. 7. Convert to Dollar store/ open dollar stores as a separate brand – New brand. 8. Introduce private labels – New range of products. Recommendations: 1. Closure of Dollar Special service – As per the given data, the Dollar special products were being offered at a price 44% lower than the average price which was not generating money at all. Infact it was creating a loss of 80%.Also this Dollar scheme had hit the image of Reed (Quality product seller). 2. Reed customers were older and affluent players, so Reed should extend its services further to create...
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...States is predominantly a Western Culture because it consists of an Anglo majority which prevails politically and economically. The United States culture is divided up into six main geographic regions which consist of New England, Mid-Atlantic, the South, Midwest, Southwest and the West. The six regions are influenced by White American, African American, Native American, Hispanic/Latin American, Asian, and other Multiracial Americans. Cultural Regions in the United States As Americans gain more exposure to the United States, they will be able to observe how the different cultures affect their lifestyle, religion, experience, education and attitude. Here are some key characteristics of the six cultural regions: 1. New England which is referred to as the Northeast is made up of the states of Maine, New Hampshire, Vermont, Rhode Island, Massachusetts and Connecticut. These states are well-known for its strong culture values in religion and political reform as well as its educational contributions to the country. This region is an ultimate hub for manufacturing, timber and trade because of the cold and harsh winters is not suitable for farming. These components of manufacturing are the most important contributor to the regional economy. 2. Mid-Atlantic includes New York, Washington D.C., New Jersey, Pennsylvania and Maryland. This region is the most highly populated American cites which are...
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...Consumer Attitudes About Renewable Energy: Trends and Regional Differences Natural Marketing Institute Harleysville, Pennsylvania NREL is a national laboratory of the U.S. Department of Energy, Office of Energy Efficiency & Renewable Energy, operated by the Alliance for Sustainable Energy, LLC. Subcontract Report NREL/SR-6A20-50988 April 2011 Contract No. DE-AC36-08GO28308 Consumer Attitudes About Renewable Energy: Trends and Regional Differences Natural Marketing Institute Harleysville, Pennsylvania NREL Technical Monitors: Lori Bird and Jenny Sumner Prepared under Subcontract No. AGG-1-11880-01 NREL is a national laboratory of the U.S. Department of Energy, Office of Energy Efficiency & Renewable Energy, operated by the Alliance for Sustainable Energy, LLC. National Renewable Energy Laboratory 1617 Cole Boulevard Golden, Colorado 80401 303-275-3000 • www.nrel.gov Subcontract Report NREL/SR-6A20-50988 April 2011 Contract No. DE-AC36-08GO28308 This publication received minimal editorial review at NREL. NOTICE This report was prepared as an account of work sponsored by an agency of the United States government. Neither the United States government nor any agency thereof, nor any of their employees, makes any warranty, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately...
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...Young Consumers in the New Marketing Ecosystem: An Analysis of Their Usage of Interactive Technologies Strayer University Marketing Research December 4, 2011 Abstract Over the last decade, the way we communicate with each other and the way we behave as consumers has changed drastically. With an entire generation growing up with iPads, iPods, smart phones, Internet and Facebook, marketers are facing the reality that traditional methods of reaching these consumers won’t be as effective as it was in the past. The new challenge of marketers is to attempt to understand how these consumers interact with the technology they were undoubtedly “born to use”. Young Consumers in the New Marketing Ecosystem: An Analysis of Their Usage of Interactive Technologies The interactive technology habits of young people have changed dramatically over the past decade, thus, making it more difficult to market to this segment in the traditional way. The following study attempts to shed light on the behaviors and attitudes of young consumers, and how they interact in the digital world. The report discussing young consumers, ages 14 to 28 years old, presented a descriptive study based on the hypotheses that there is no difference between high school aged students and college aged student in their use of interactive technology. The main objective of the study is to help marketers understand how these young consumers interact with these technologies in an effort to strengthen their marketing...
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...Work Breakdown Structure Ducks Unlimited will be holding its Keystone Conference in Charlottesville, NC in less than 21 months. There has been a reduction in budgeting due to economic conditions beyond the control of Ducks Unlimited. The operating budget for the conference has been reduced by nearly than 75%. Therefore changes have been made to reflect the reduction. The teams who are responsible for speakers, venue, marketing, and registration are all still in place. However there will be fewer speakers and fewer representatives attending the conference. Ducks Unlimited will be divided into regions for the purpose of the conference: Northeast, Southeast, Midwest, South, and Pacific. Out of each of these five regions will come five regional representatives and one senior manager who will speak at the conference. Otherwise, the WBS does not change significantly. Cost Estimates Hotel and transportation costs for the event have been reduced because of the need to provide lodging for much fewer attendees. With such a small conference, catering costs will also be reduced by nearly 70%. Costs will be shaved even more with the venue selection. A smaller venue capable of accommodating 30 to 40 attendees will be required, down from the 100 guests originally scheduled. Administration needs and technical requirements will change with the new budget parameters. Administration costs will decrease since attendance at the conference will be very exclusive. Fewer flyers...
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...The History of the Blues * In my Assignment I will be mostly taking about the ways that the blues has influenced culture. So what did the blues influence…? Everything. The blues influenced nearly every genre of music that came after it. Jazz in all of its various styles and flavors. From just a basic 12bars you get everything that you need in order to play great music. It’s not like without the blues we would not have any current music actually it’s a lot like that. The influence of blues can even be seen in the classical music of the later Romantic period as well as in various aspects of Contemporary classical music. Literally every style of music that’s come out in the past eighty or more years has once or a few times borrowed something from the blues. To think the whole world would of changed if there was not the blues, or slavery for that matter. To think we would not even have big band music or loud electric guitars, or a guy going yo yo into a microphone. * When you think of the blues, you think about misfortune, betrayal and regret. You lose your job, you get the blues. Your mate falls out of love with you, you get the blues. Your dog dies, you get the blues. * While blues lyrics often deal with personal adversity, the music itself goes far beyond self-pity. The blues is also about overcoming hard luck, saying what you feel, ridding yourself of frustration, letting your hair down, and simply having fun. The best blues is visceral, cathartic, and starkly...
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...Chapter 9 1. One of the most common entry strategies for MNCs is the joint venture. Why are so many companies opting for this strategy? Would a fully owned subsidiary be a better choice? 1） wholly owned subsidiary is an overseas operation that is totally owned and controlled by an MNC. This option is often pursued by smaller companies, especially if international or transaction costs, such as the cost of negotiating and transferring information, are high. When MNCs make an initial investment in the form of a wholly owned subsidiary in a foreign country, it is sometimes referred to as “greenfield” or de novo (new) investment. The primary reason for the use of wholly owned subsidiaries is a desire by the MNC for total control and the belief that managerial efficiency will be better without outside partners. Due to the sole ownership, it has been found that profits can be higher with this venture and that there are clearer communications and shared visions. However, there are some drawbacks. Typically, wholly owned subsidiaries face a high risk with such a large investment in one area and are not very efficient with entering multiple countries or markets. This can also lead to low international integration or multinational involvement. Furthermore, host countries often feel that the MNC is trying to gain economic control by setting up local operations but refusing to include local partners. Some countries are concerned that the MNC will drive out local enterprises...
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...State Banks and the National Banking Acts: A Tale of Creative Destruction By Matthew Jaremski† Vanderbilt University Job Market Paper November 2010 Abstract: The National Banking Acts and their supporting legislation led to 303 state bank closures and 879 charter conversions between 1863 and 1869. This paper analyzes the sudden reorganization using the period’s first complete bank-level census. The data suggest that the national capital requirements prevented many existing banks from converting to a national charter, whereas a tax on state bank notes was responsible for the large number of closures. Moreover, the requirements prevented new national banks from replacing closed state banks. The legislation thus redistributed capital to developed cities along the “Manufacturing Belt”, potentially fueling the growth of factories and the populist movement after the Civil War. JEL: (E22, G21, N21) Keywords: Free Banking, National Banking, U.S. Economic History, Bank Regulation. † Dept. of Economics, Vanderbilt University, VU Station B #351819, 2301 Vanderbilt Place, Nashville, TN 37235-1819. Tel.: 214-284-9558 E-mail: matthew.s.jaremski@vanderbilt.edu 1. Introduction Bank regulators walk a delicate tightrope. On one hand, they must stabilize the financial system to prevent future crises. On the other, they must allow bank expansion to facilitate future economic growth. Attempting to reform the free banking system, the National Banking Acts of 1863 and 1864 has been criticized...
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...Marketing Plan: UmVerto Marketing Plan: UmVerto Table of Contents 1. Executive Summary………………………………….…..………...1 1.1. Organization and product……………...………….………….……...1 1.2. History………………………………... ………….……….………… 1 2. Situation Analysis………...….…………………………………………….1 2.1. Mission Statement………………………………….………………….1 2.2. Organizational Philosophy and Background..………...….…………1 2.3. SWOT Analysis……………………………………………….. …………….1 3. Marketing Strategy……………………………………………………….1 3.1. Business Unit Goals……………………………………………………1 3.2. Target Market Identification………………...………………………1 4. Action Tactics………………………………………………………………1 4.1. Product Tactics……………………………………………………….1 4.2. Price Tactics…………………………………………………...........1 4.3. Place Tactics…………………………………………………...........1 4.4. Promotion Tactics…………………………………………………….1 4.5. Implementation Timeline/Budget Summary…………………............1 5. Control Measures…………………………………………………………1 5.1. Measurement Process…………………………………………………1 5.2. Review/Control Process………………………………………………1 I. Executive Summary “Nature creates the weather, umVerto calms the storm.”, and to Retrofit Designs LLC this is more than just a motto, it is a daily business practice. Retrofit Designs LLC prides it’s company and business practices on being a leader with profound dedication to current and future customers’ needs with a stable balance between tradition and innovation. The company...
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...Federal Trade Commission DEBORAH PLATT MAJORAS ORSON SWINDLE THOMAS B. LEARY PAMELA JONES HARBOUR JON LEIBOWITZ Maryanne Kane Charles H. Schneider Susan A. Creighton Lydia B. Parnes Luke Froeb William Blumenthal Anna H. Davis Nancy Ness Judy Maureen K. Ohlhausen Donald S. Clark Chairman Commissioner Commissioner Commissioner Commissioner Chief of Staff Executive Director Director, Bureau of Competition Director, Bureau of Consumer Protection Director, Bureau of Economics General Counsel Director, Office of Congressional Relations Director, Office of Public Affairs Director, Office of Policy Planning Secretary of the Commission Report Drafters and Contributors Louis Silvia, Assistant Director, Bureau of Economics David Meyer, Bureau of Economics Sarah M. Mathias, Office of General Counsel Policy Studies Michael S. Wroblewski, Assistant General Counsel Policy Studies Phillip L. Broyles, Assistant Director, Bureau of Competition J. Elizabeth Callison, Bureau of Economics Jeffrey Fischer , Bureau of Economics Nicolas J. Franczyk, Bureau of Competition Daniel E. Gaynor, Bureau of Economics Geary A. Gessler, Bureau of Economics James F. Mongoven, Bureau of Competition John H. Seesel, Associate General Counsel for Energy Christopher T. Taylor, Bureau of Economics Michael G. Vita, Assistant Director, Bureau of Economics Anthony G. Alcorn, Bureau of Economics Sarah Croake, Bureau of Competition Madeleine McChesney, Bureau of Economics Guru Raj, Bureau of Competition Natalie Shonka...
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...Preparing For Your Case Interview Where your ideas make a difference. At A.T. Kearney we are looking for people who love to reach out. People who want to stretch their talents. People who will challenge themselves to achieve meaningful, measurable results for their clients, their firm, and themselves. People with ideas. Your interest in a consulting career with us suggests that you may be one of those people, and we have designed our interview process so that you will have every opportunity to show it. The A.T. Kearney interview sequence consists of two rounds, typically completed within a 3-week period. The first includes two 45-minute interviews conducted back-to-back on campus or in another convenient location. The second, which normally takes place at our nearest office, involves three 45-minute meetings with one or more of A.T. Kearney’s senior people. If you are invited to complete the full sequence, you can expect that both interviews in the first round and two in the second will be case-oriented. This means that in addition to discussing our firm and your future it, the A.T. Kearney consultants you meet will also present you with real-world business problems and ask you to develop solutions. Experience shows that the applicants who are the most successful in a case interview are those who enter it with the right frame of mind and the best preparation. The following information is designed to help you achieve both. Why The Case Format? While we look for many qualities...
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...Finding the Right Location: Four Dimensions of Successful Foreign Direct Investment. Airbus Assembly Line – Mobile, Alabama Overview With the announcement earlier this year by Airbus that it plans to invest $600 million to build jetliners in Mobile, Alabama, the Southeast U.S is well positioned to attract foreign direct investment and U.S suppliers to the region. Central to the supply chain discussion are location strategies that optimize the value chain, drive innovation through the involvement of education and academia in proximity/joint working relationships and provide flexibility for adapting to business change. Location decisions such as these are special events that require careful attention to many conflicting strategic, operational, financial and intangible factors that can set the stage for either great success or fantastic failures. these issues will be one of the biggest challenges facing the industry in the coming years. This whitepaper explores the key drivers impacting the aerospace industry, the process for developing a comprehensive location strategy in response to industry expansion, and these critical locations factors that lead to location strategy success in the Southeast U.S.: Global commercial aircraft orders have increased six percent in 2011, with accelerating demand for new, more fuel efficient and technologically advanced aircraft. According to a number of studies, the industry will have to increase production by 45 percent to meet demand in...
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...Not Everyone Wants a Relationship By Rick Spitler and Sherief Meleis Some banking customers — just like consumers who shop at Wal-Mart or fly on Southwest Airlines — are happy to trade style or comfort to get their business expedited on attractive terms. Related Charts • Discount Banks Pursue the 'Other Half' of the Market • Winning Formula • Transforming the Generalist Retail Bank For one view of what the future of the banking industry may look like, consider the airline industry, where Southwest Airlines Co. has ascended to dominance in just 30 years. While "full-service" carriers like American Airlines Inc., Delta Air Lines Inc. and United Air Lines Inc. focused on building elaborate jet fleets and "hub" systems at major regional airports, Southwest adopted a discount fares strategy based on older inner-city airports and a zeal for efficiency. To control costs, for example, Southwest re-used plastic boarding passes and handed out peanuts instead of hot meals — and passed along the savings to its customers. Today, Southwest's market capitalization is roughly seven times that of the nearest U.S. legacy air carrier. Overall, discount carriers have claimed 25% of the U.S. commercial passenger market, according to the National Institute for Aviation Research, based at Wichita State University. That share is expected to soar to 40% over the next few years. This is a harbinger of things to come in retail financial services. Operating with superior efficiency and offering...
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