...All of the data collected will be confidential, but the collection of information will be done through both survey and face to face interviewing. Mental illness has its own set of stigmas, and there may be individuals who do not feel comfortable talking about their mental illness symptoms with an interviewer. Researchers will be collecting the data in the office setting where clients are currently receiving services, which may help ease any concerns about sharing information regarding their condition. Participants will not be identified, unless they have identified themselves in a qualitative section of the survey. Surveys taken throughout the study will be given using a computerized system. Currently, clients check in and answer some questions from their counselor just before individual counselling session. This is done using an ipad, and information is immediately uploaded and only able to be seen by researchers. Using the existing system and allowing clients to take the survey as they check in will expedite the data collection. The client themselves will submit their data themselves as opposed to marking answers on paper sheets to be transcribed by a researcher. This keeps their information more private reduces the risk of recorder error. Participants in the study will be asked to establish a mindfulness practice that includes specific elements. To the researcher’s knowledge, no evidence of negative effects of mindfulness practice has been...
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...This task will explore the ethical guidelines to be complied by psychologists in research and analysed the issues as well as importance to conform why it must be followed at all times. Ethical guidelines have become a vital part of modern psychology with regards to extensive reviews of the researches before it can be implemented, as noted in (The Ethical Principles for Conducting Research with Human Participant). The purpose of these guideline is to protect research participants, the reputation of psychology and psychologist themselves. At the outset, researchers must obtain the informed consent all participants to encourage consensual agreement. However, some areas of the research are left untold due to validity of the outcome. Therefore, it can be claimed that it does not always occur. The participants must have a debrief at the end of research to have a good frame of mind and to remove any worries with sense of dignity and views. For example, subjects of Milgram (1963) were offered a good aftercare indicating no further harm to all learners. Researches must ensure participant are protected to avoid causing distress. However, this has not always been the case in some researching. For example, It could be debated in Bandura et al. (1961)- Bobo Doll experiment. that aggression could have profound effect in the child’s life when it being learned. Ideally, there must be a degree of honesty to all participant about the actual research however some section of the research...
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...v.2.1 Introduction Back in late eighties while I was fresh out of college, I had a job as a sales rep for a major telecommunications company. One of my largest clients had called me into a meeting earlier that week telling me that she wanted her telephone bills lowered because they were more than she thought her company should be paying. After all, I was the person who sold them their services and I was supposed to take care of them. They were important to my company and I was anxious to do my best for them. I turned to the CTO and exclaimed “Absolutely! I’ll be back in a week with our new program and rates for you!” As I left their office, walking out the door I had NO idea what I was going to do. I was 23 and even though my company had already paid me for getting them as a customer, I knew the right thing to do was to help out my client and reduce their costs. The first thing I did was go to my boss and I asked. “’My client asked me to come in today and wanted me to reduce their phone bills, what do you think I should do?” My boss shot an angry look back at me “Didn’t you sell them a year ago? Aren’t they already a customer?” he scolded. “Yes I did, but I want to keep them as a happy customer so they don’t leave” I replied. “Forget them, you (and I) have already been paid. You need to move on, just let the customer support department out of Atlanta handle their issues and find some new business” he shouted back. I was shocked and surprised, but I was also undeterred. I decided...
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...“PROFILING THE RESTAURANTS IN PUERTO PRINCESA” PREPARED BY: BETHINA LUCAS REZZA LLANERA GRACE VILLON OCTOBER 2013 PROFILING THE RESTAURANT IN PUERTO PRINCESA INTRODUCTION Background of the study The Restaurant business is one of the most lucrative and profitable home business with a high potential for expansion & growth. It is both financially rewarding and fun. Each type of restaurant such as Filipino/native dishes, fine dining, international dishes, fast food or night, social establishment is a new experience and challenge with a new group of people. Whether it is bar and grille, pizza house, café, bar & restaurant base on the opportunities are excellent. However, a Restaurant is a demanding business, requiring stamina, ability to work under pressure, and excellent interpersonal skills. The successes will greatly depend on reputation. To build a good reputation in the business owner should be willing to work hard and the ability to work under pressure. This kind of entrepreneurial business is definitely growing and become more popular with people of all income levels. In the province there are several restaurant services that occur, extending services in the people on which they are offering services for the hectic scheduled families and those people who do not want to have to work in the kitchen preparing the food. The main purpose of this study is to assess, evaluate and identify types and differences between restaurant businesses...
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...European Scientific Journal May 2013 edition vol.9, No.13 ISSN: 1857 – 7881 (Print) e - ISSN 1857- 7431 THE STRATEGIC BENEFITS AND CHALLENGES IN THE USE OF CUSTOMER RELATIONSHIP MANAGEMENT SYSTEMS AMONG COMMERCIAL BANKS IN KENYA Maximillah Bitutu Muro, PhD Candidate Department of Management Science, University of Nairobi, Nairobi, Kenya Peterson Obara Magutu Lecturer, Department of Management Science, University of Nairobi, Nairobi, Kenya Kepha Nyankora Getembe, PhD Candidate Department of Management Science, University of Nairobi, Nairobi, Kenya Abstract Nowadays, many businesses such as banks, insurance companies, and other service providers have realized the importance of Customer Relationship Management (CRM) and its potential to help them acquire new customers, retain existing ones and maximize their lifetime value. At this point, close relationship with customers requires strong coordination between IT and marketing departments to provide a long-term retention of their customers. The purpose of this study was to establish the use of CRM systems and further determine the challenges facing the use of CRM systems among the commercial banks in Kenya. The study used descriptive design. The study targeted forty five (45) commercial banks in Kenya. Primary data was obtained using self administered questionnaires. The successfully filled up questionnaires containing responses were first edited for accuracy, consistency and completeness. The data...
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...1. Chi-square Goodness-of-fit Tests Jake is trying to invest his money in stock market, is not sure that he could earn a profit or lose his money when he invests to an AT&T company’s stock or a stock market index, Dow Jones Industry Average. So he called his friend who works at financial consulting company and heard that the monthly positive and negative investment returns on AT&T and Dow Jones Industry Average were historically almost the same. However the economic situation recently has been getting better than in previous years. So before investing he is going to collect related data and prove the hearsay is rooted in fact or not. a) Chi-square Goodness-of-fit Tests on AT&T In order to test the validity of the hearsay, he collects 54 observations of monthly investment returns on AT&T and DJIA (Dow Jones Industrial Average) from March 2008 to September 2012. After gathering the data, he is going to test whether the number of months that has positive investment returns on AT&T are equal to months of negative returns. Therefore he sets a hypothesis; the null hypothesis H0 :ppositive = pnegative = 0.5 versus the alternative hypothesis Ha: not H0. The number of months that has the positive returns on AT&T is 32, and the number of months that has the negative returns is 22. In order to test the hypothesis, he should do chi-square test. First of all he calculates the expected value that has the positive and negative returns respectively, that is 54 (n) × 0.5 = 27 in each case...
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...Fibres for Reinforcement in Composite Materials | | Topics Covered | Fibre TypesGlassE-Glass Fibre TypesGlass Fibre DesignationAramidCarbonFibre Type ComparisonOther FibresPolyesterPolyethyleneQuartzBoronCeramicsNatural | Fibre Types | Glass | By blending quarry products (sand, kaolin, limestone, colemanite) at 1600°C, liquid glass is formed. The liquid is passed through micro-fine bushings and simultaneously cooled to produce glass fibre filaments from 5-24μm in diameter. The filaments are drawn together into a strand (closely associated) or roving (loosely associated), and coated with a “size” to provide filament cohesion and protect the glass from abrasion.By variation of the “recipe”, different types of glass can be produced. The types used for structural reinforcements are as follows:a. E-glass (electrical) - lower alkali content and stronger than A-glass (alkali). Good tensile and compressive strength and stiffness, good electrical properties and relatively low cost, but impact resistance relatively poor. Depending on the type of E-glass the price ranges from about £1-2/kg. E-glass is the most common form of reinforcing fibre used in polymer matrix composites.b. C-glass (chemical) - best resistance to chemical attack. Mainly used in the form of surface tissue in the outer layer of laminates used in chemical and water pipes and tanks.c. R, S or T-glass – manufacturers trade names for equivalent fibres having higher tensile strength and modulus than...
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...The problems of the online shopping Lose the Tactile Experience When you shop online, you don't have an opportunity to touch and feel items you are considering purchasing. With some products - like books and electronic equipment - this isn't an important consideration. However, with clothing, bedding, pillows, furniture, rugs and other textile-based merchandise, it can be hard to gauge quality without hands-on contact. Fit is also a concern with any kind of apparel. 2. Shipping Adds to the Cost What looks like a bargain might not be such a good deal when the shipping and handling charges are tallied and added to the total. Make sure that you look closely at exactly how much you are likely to need to pay to have your merchandise delivered to your door - or to the person you are purchasing it for - before finalizing your purchase decision. It's essential to be aware of the return policy for any e-commerce retailer you are considering doing business with. The majority of sites do not pay return shipping if you have to send something back, so it often costs you more money than you planned to spend if you need to exchange an item. Returning merchandise for a refund can also be costly. Most online retailers do not refund shipping costs - not the cost of return postage or the original shipping charge. This can mean that, for relatively low-dollar items, it can cost you nearly as much to return an item as it does to just keep the merchandise. 4. Dealing with an Unknown Vendor ...
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...Grace Pollari Mellissa Baetens Ultius Inc 10 April 2014 Overcoming the Myth of Separation with Empire of the Sun Our world is presently at a time of crossroads. The century past was one of unprecedented war and environmental ravishment. The gap between the rich and the poor has widened to an absurd degree. The systems humanity has supported to organize our global civilizations are failing as their dependence on limited resources and unsustainable practices are taking their toll on us and our planet. It is clear what humanity needs at this time is a plan of action to work together to live in peace and thrive on the planet. There are many theories of how to accomplish this, and we already have the technology. What is lacking is the passion, the belief that together we can make a change for the better. It is at this crucial time the band, Empire of the Sun, has burst onto the global music scene to spread a bombastic message of love and empowerment for humanity. The systems of corrupt control that have entrenched themselves into our global economy, land management practices, and education have sprung up from those people hosting a delusion that they are separate from their fellow man and from the fate of the planet. The effective war tactic of “divide and conquer” has migrated into the fragmented psyche of humanity. We have forgotten that united we stand and divided we fall. The music of Empire of the Sun, and the creative process of the musicians stands as a microcosm of...
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...The Goal Introduction The Washington Metropolitan Area Transit Authority (WMATA) provide transportation service to the patrons utilizing the service through the system. At the Department of Rail Infrastructure and Engineering Services, the Automatic Fare Collection Systems Division (AFCS) is responsible for generating revenue to the institution through the sale of the paper fare card and the smarTrip card. It uses a self-service group of Express Vendors, Regular Vendors, SmarTrip Dispensers, Faregates, Exitfares, Parking Lot Equipment and Station Operator Console to provide transportation services for the patrons who utilize the system. The AFCS also includes fare media such as the paper fare card which the patron uses to enter and exit through the system. Field maintenance personnel are responsible for repair and the preventive maintenance of the equipment at the mezzanine level. Mezzanines are operational facilities where the AFCE equipment is located and functioning within the system. Goal The goal of the AFCS Department is to generate revenue for the institution through the sale of the paper fare cards. Process The paper fare card is the main controlling element for operation of the fare gate. It has a stored value feature that allows a patron to purchase between established minimum and maximum values from a fare card vendor where the value is encoded in the magnetic stripes of the fare card. The patron then proceeds to the entry gate of a...
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...Page 1 of 4 1565 S HARBOR BL FULLERTON CA 92832-3402 8448 4000 NO RP 07 07082015 NYNNNYNN 01 016675 0057 TILAK SHENOY 2404 NUTWOOD AVE APT G21 FULLERTON, CA 92831-3159 8448 4000 NO RP 07 07082015 NYNNNYNN 01 016675 0057 Tilak Shenoy Total due by Jul 27, 2015: $47.94 Account number: 8448 40 023 1347050 Customer code: 1265 Statement date: Jul 07, 2015 Page 2 of 4 Page 3 of 4 Account number 8448 40 023 1347050 Customer code 1265 Due date Service period Amount due Jul 27, 2015 07/16 - 08/15 $47.94 Service address Tilak Shenoy Account Phone 469-247-5598 2404 Nutwood Ave Apt G21 Fullerton CA 92831-3159 ~ Previous balance & payments Balance last statement Payments received as of Jul 7, 2015 47.94 -47.94 Current month Monthly services 47.94 Total due by Jul 27, 2015 $47.94 ENJOY TWC BETTER Watch Live TV on your devices, at home or on-the-go, with our free TWC TV® app. Now available for Starter TV customers on PC, iOS, Android, Xbox One and Roku. Now with our Unlimited Calling you can make free calls to the US, Canada, Puerto Rico, Mexico, China, Hong Kong and India. Now enjoy having your upgraded services installed at your convenience with a 1-hour appointment window. Now access over 400,000 free TWC WiFi® hotspots nationwide. Use our WiFi Finder app to easily get online. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...
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...Why Off-Sites Should Go Virtual: the Virt-Site By Keith Ferrazzi Organizations are all trying to do more with less. As the economic downturn drags on, companies have tightened their belts even further. Businesses continue to lay off thousands of workers; holiday parties are being drastically downscaled; executive perks like corporate jets have become history; and the list goes on. As part of that belt-tightening, some companies have begun to rethink their strategic off-sites. Instead of flying executives from around the world to an expensive three-day offsite location, why not just conduct everything virtually? The problem, though, has been that many companies have been trying to use videoconferencing, virtual reality technologies, and other tools to try to replicate physical off-sites. One idea was to encourage spontaneous conversations by simulating a “virtual cocktail hour. ” Wrong! The use of virtual technologies to replicate traditional physical off-sites misses a huge opportunity. Doing so results in a “poor man’s” version of the real thing, like online training courses that consist of nothing more than a video recording of an instructor followed by a test. Instead, companies need to be much smarter about how they conduct virtual off-sites. They need to leverage online’s unique characteristics to push beyond what’s possible in a physical setting and truly transform the process. Interviews with dozens of experts resulted in the following methodology, dubbed the virt-site...
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...Journal of Cereal Science 52 (2010) 288e294 Contents lists available at ScienceDirect Journal of Cereal Science journal homepage: www.elsevier.com/locate/jcs Predicting hot-press wheat tortilla quality using flour, dough and gluten propertiesq F. Barros a, *, J.N. Alviola a, M. Tilley b, Y.R. Chen b, V.R.M. Pierucci c, L.W. Rooney a a Cereal Quality Lab, Dept. of Soil & Crop Sciences, Texas A & M University, 370 Olsen Blvd., TAMU 2474, College Station, TX 77843-2474, USA USDA-ARS Center for Grain and Animal Health Research, 1515 College Ave., Manhattan, KS 66502, USA c Department of Grain Science and Industry, Kansas State University, Manhattan, KS 66506, USA b a r t i c l e i n f o Article history: Received 31 January 2010 Received in revised form 26 May 2010 Accepted 14 June 2010 Keywords: Wheat flour tortillas Quality prediction Texture analyzer a b s t r a c t A cost-effective, faster and efficient way of screening wheat samples suitable for tortilla production is needed. This research aimed to develop prediction models for tortilla quality (diameter, specific volume, color and texture parameters) using grain, flour and dough properties of 16 wheat flours. Another set of 18 samples was used to validate the models. The prediction models were developed using stepwise multiple regression. Dough rheological tests had higher correlations with tortilla quality than grain and flour chemical tests. Mixograph mixing time and dough resistance to extension (from extensibility...
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...Xiamen University Title The Impact of Capital Account on Economic Grow Author : Yagoub Ali Elryah School of Southeast Asian Studies Faculty of International Relations Student number: 25520120254069 January, 2013 Correspondence Yagoub Ali Elryah, Xiamen University, Xiamen, Tel: 15860796370, E-mail: yagoubelryah@hotmail.com 1- Background: In the era of economic integration, most of the developing and developed countries not only open their borders for trade of goods and services, ideas, technology, information, etc. but also open capital accounts that have virtually made the world a global village1. During the 1980s and 1990s, a large amount of capital moved internationally from private investors in the whole world. It took place primarily through sale of bonds and equities and international investment by multinational corporations. Thus, globalization of finance and efficient allocation of capital stimulated growth in developing countries significantly. It is the nature of capital to move from places where it is plentiful to where it is scarce, provided there is no barrier to cross the border. Return on new investment is higher where capital is scarce. This is an incentive for people to save more (leading to enhanced capital formation) in developing countries as these countries are in general capital poor. For the same reason, foreign individuals and companies seek to invest their surplus capital in developing countries. Thus, this channel in turn, can help...
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...EDUCATION Missouri State University. Springfield, MO • • Graduated in May 2012 Master of Business Administration - Double emphasis on Finance and Computer Information System. GPA of 3.5/4.0 King Fahd University of Petroleum & Minerals, Saudi Arabia Graduated in 2007 • B.Sc. Finance. • Program Includes 6 months internship (on-job training). • Course work: Money & Banking, International Economics International Finance, Computer Application in Finance, Risk Management, and Investments. EXPERIENCE Financial Analyst: KPMG Financial Advisory Services, Riyadh Feb2007 -March2009 Have joined KPMG Advisory, Riyadh office in May 2007, and have been promoted within a year and was involved in many projects in different industries. The key projects includes; Capital restructuring: Leading Telecom Company in the Middle East Assists the client in setting the optimal capital structure that improvers the business. Researched listed telecom companies to benchmark the existing capital structure of the client. Made the presentations pack which was used at the board meeting for approval of the new capital structure. Valuation: Bottled water Company Valuation assignment based on discounted cash flow methodology. Conducted secondary market research to assist in deriving financial forecast assumptions. Assisted in financial modeling and in preparing the valuation memorandum. Feasibility study and Fund raising: Plastic Packaging Project Work on preparing information package for Saudi Industrial...
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