Creative Technology entry in the US market. Political factors that can affect its operations Essay

Introduction There are various political factors that can affect the operation of the Creative Technology in the US market.   First the company will be required to comply with the various government regulations that affect the pricing and the entire production process. The company also needs to comply with the various tax systems that are present in the American economy ( Donici, Maha, Ignat & Maha,2012).   In addition the company is also required to comply with the various trading agreement of the companies that operate in the industry. The US government is also known to have to have minimum intervention on the business which will in turn help to ensure that the business is able to achieve its objective (Shaw, 2007).   The political stability currently enjoyed by the US government will also play a critical role in helping to ensure the company achieves its strategic growth objective in the US market. Domestic approach that might change Building a strong brand The company need first ensure that it concentrate on building a strong brand in the US market. Though building a strong brand the company can therefore be able to achieve to capture the interest of the consumer and therefore ensure the company achieves its strategic growth objectives. According to Ryan & Jones (2012) building a strong brand can help to create the necessary emotional connections with the target consumers. Most importantly building a strong brand will help the company to compete with some of the companies that are leading in the sale of the earphone in the US market. Adopting online sales and marketing Online sales and marketing is current becoming one of the most important factors that helps to ensure that various business survive in US domestic market ( Donici et al.,2012). There is therefore need for the company to adopt the online sales and marking strategies in order to ensure it reaches its target consumers. In this case the company needs to set up a website that has an accurate reflection of the company goals and objectives. Reference Ryan, D., & Jones, C. (2012). Understanding digital marketing: Marketing strategies for engaging the digital generation. Philadelphia, PA: Kogan Page. DONICI, A., MAHA, A., IGNAT, I., & MAHA, L. (2012). E-Commerce across United States of America: Amazon.com. Economy Transdisciplinarity Cognition, 15(1), 252-258. Shaw, S. (2007). Airline marketing and management. Aldershot: Ashgate.

Givenchy

Luxury fashion brands that were established three or four decades ago were born out of passion fashion and to create a legacy that could be passed down from one generation to another. The items from the past speak of opulence, elegance and status that t remain ever popular in the present days – some call it classics while others deem it as collectors’ items. Whatever one chooses to name it, fashion houses are capitalising on fashion trends of today and bringing the trends from the past back to the runway. A fashion house that is creating ripples of admiration is Givenchy with its Fall/Winter 2013 collection for women.Hubert de Givenchy, one of the first and most important haute couture designers worldwide, set the trends of Parisian fashion and defined elegance worldwide and fast forward to the present and the Parisian luxury label currently designed by Riccardo Tisci, still preserves the code set by Hubert de Givenchy: playing with a palette of non-colours, grey, black , white and beige, to better outline an uncluttered silhouette while adding the personalised touch of Riccardo which is mainly dark romantic. Together they make Givenchy one of the most appreciated brands in the world.An array of bag collections was unveiled at recent preview of Givenchy’s FW 2013 collection, and among them, the HDG and Antigona – two of this season’s collections stand taller than the rest. It is fast becoming the IT bags to be seen on the arms of stars, celebrities and the likes of them. Creating a collection after iconic individuals is a way of immortalising these icons and to ensure their presence lingers with the brand for generations to come, and the HDG pays homage to the man who put Givenchy on the fashion map of the world.The Givenchy HDG Fall collection is Riccardo Tisci’s perception of a French couture house creating a bag for the dynamic urban woman. It is about class and elegance with a hint of sporty attitude that is easy to wear. All these fundamental notions are what the name Givenchy stands for. Its simple shape with pure lines is twisted with a chunky metal chain, adding a masculine feel. The HDG comes in a medium or small size in herringbone cotton, calf leather, eel, or sea-wolf. The printed version features ‘maison Givenchy' as a reference to what was written on the labels sewn onto haute couture creations.The House of Givenchy is thrilled to be bringing back the star of Fall/Winter 2010 – the Antigona collection. This collection designed by Riccardo Tisci first debuted on the runway in the Fall-Winter 2010 Ready-to-wear collection alas the nature of the Antigona collection is timeless, the fashion house felt it is apt to reintroduce it to fashion connoisseurs in the Fall/Winter 2013 collection. Its sharp details and boxy construction represent Riccardo Tisci’s love of the masculine and feminine contrast and with a recognizable, structured shape, this new design combines the f eminine aspects of a classic Boston bag with masculine features.Several references are made to its military spirit such as a large industrial zipper or a triangle padded leather patch. Exclusively designed metal hooks and loops were developed alongside a leather shoulder strap to allow the Givenchy woman to carry the Antigona in different ways. Inspired by â€Å"Antigone†, a strong female figure in Greek Mythology whose name stands for â€Å"unbending†, the Antigona is a modern bag that will remain a classic in Riccardo Tisci’s accessories collections for Givenchy.Some of the stars who have been spotted with this classic on their arms are Beyonce, Gwyneth Paltrow, Madonna, Zoe Saldana, Kate Moss and Demi Lovato to name a few. Overall, the Fall/Winter 2013 women's collection marries the strength of gypsies and the romanticism of a Victorian feeling to celebrate women. Riccardo Tisci revisits the signature shapes and prints of his Givenchy archives to create bold feminine silhouettes. Looking at the gypsy aesthetics borrowing men’s clothes but adding femininity in cutting and mixing them with women’s pieces, Riccardo Tisci creates a collection constantly playing with the feminine and the masculine.Biker jackets, bomber jackets, sweatshirts and collar-less duffle coats are paired with under-the-knee skirts and flow-y balloon-shaped dresses. Delicate flounces, graceful ruffles and micro-pleats animate blouses, shirts and dresses. Graphic patchworks of fabrics and prints reveal elaborate techniques of construction and a contrasting take on textures. The sensuality of lace or silk chiffon is reworked in a mosaic-like geometry.Flower-printed flannel, rose-painted chunky tweed and paisley jacquard are paired with lumberjack checked shirts, Madonna-printed velvet and shark jaws men’s prints. Embroidered tulle and chiffon display stars, large sequins and crystals. Sharp boots show hand-stitched stripes of multi-coloured elaphe, python, whip snake or eel. Chain bracelets in palladium feature an engraved medal. Carrier straps are turned into braided leather or crystal pave belts. The Fall-Winter 2013 Women’s Givenchy collection is turning out to be a lust-worthy contender for your precious hard-earned salary.

Compare and Contrast Frederick Douglass and Sojourner Truth Essay

Back to when the America came to Africa to capture many people over there and enslaved them to serve the high class of the America. That was started everything from the segregation to abolitionists. After about 400 years of slavery and bondage, it was time for descendants of African slaves can reconcile America’s bloody history of human bondage. Many African Americans was standing up and fighting back and Frederick Douglass and Sojourner Truth were known as the first out of so many brave people. Both Douglass and Sojourner just like many other African Americans were born into slavery and experienced many horrible treatments from their masters until they can escape themselves. D. By comparing and contrasting the life and accomplishment of the two ex-slave Frederick Douglass and Sojourner Truth, I am going to analyze their upbringing as well as families broken apart, slavery for men vs. women and activism with historical legacy. From a very young age, Douglass as well as Sojourner never got to know about their age like other White kids or live under their parents’ protection. Douglass’s mother died when he was 10 and as he was described his feeling was not so upset toward her death because of the separation between them. Also, he heard his black-fellow predicted that his father might as well be his father but he never got a chance to find out the truth. On the other hand, Sojourner seemed to have a better relationship with her family. She was one of the 10 or 12 children born to James and Elizabeth Baumfree who were slaves. The Baumfree family was enslaved by Colonel Hardenberg in a hilly area. They were together until the death of Charles Hardenbergh, her master; Truth was sold away at an auction. The separation at these early ages causes them to become stronger and grew up because that was the only way to service in that world. Through Douglass’s slavery life, he only had two masters and both of them were not very nice to him. Since Douglass was a smart little boy, he often got away with any unflavored situations. One of his unforgettable overseers was Mr. Severe. He was famous for his cruelty and brutal manner. At dawn, when all the slaves were summoned to the field, Mr. Severe was prepared to whip any unfortunate slaves that did not ready to start by the sound of the horn.

Are Parts of the U.S.A. Patriot Act Unconstitutional Research Paper

Are Parts of the U.S.A. Patriot Act Unconstitutional - Research Paper Example A Patriot Act is not unconstitutional because†¦ 1. The Patriot Act enhances effective communication between various agencies that fight against terrorism 2. It liberalized many rules with respect to investigation and surveillance to help Federal agencies responsible for crime prevention. 3. It provides increased funding for victims of terrorist attacks and their families, as well as for the rebuilding of business and infrastructure that are damaged by terrorism 4. It helps investigating agencies to deal with the technologically sophisticated terrorists. 5. It cut off support networks that provide enough support to terrorist groups The major criticism labeled against the Patriot Act is the threat raised by it to the fundamental rights and liberties of people. In the name of safety and security, investigating agencies can interrogate and imprison anybody based on suspicion. It is not necessary that the information gathered by the investigating agencies is always correct. False inf ormation lead investigating agencies to arrest even innocent people in the name of Patriot act. It is impossible for Americans to keep their privacy intact after the introduction of this act. In short, patriot act prevents people from enjoying their natural rights, freedom and liberties. The second disadvantage of patriot act is the fact that it allows indefinite imprisonment of anybody based on mere suspicion without access to counsel or meaningful recourse to the Federal courts. Before the introduction of Patriot act, it was mandatory to the investigating agencies to present a person in custody in courts within a specified time period. Now it is possible for the investigating agencies to keep a suspected person in custody as long as they wish without presenting him in the courts. Even innocent people forced to suffer the torture of investigating officials because of these controversial clauses in patriot act. â€Å"The Patriot Act provides sweeping power to government agencies to monitor the personal habits of not only those who have been identified as suspected terrorists, but anyone residing in the United States as well as United States citizens residing abroad†i. The third disadvantage of patriot act is the permission given to Federal agents to conduct searches without search warrants. Earlier, search warrants were mandatory before conducting any searches in houses or apartments. Now it is not necessary for the investigating officials to get the permission from courts to conduct searches in any locations. It should be noted that even during midnights, investigating agents creating troubles to innocent people. In short, investigating officials can misuse the authority given to them by patriot act to conduct searches without taking permission either from the courts or from the suspected person. The patriot permits FBI to monitor even religious services, internet chat rooms, political demonstrations, and other public meeting

MIS Essay Example | Topics and Well Written Essays - 500 words

MIS - Essay Example edman), globalization has entered a whole new phase and this reality can be judged from the speed with which technology is connecting different countries in a way which is also suppressing the distinguishing characteristics in terms of religion, race, culture, or language. My career might be working in the petroleum field in Saudi Arabia and globalization would surely influence my career as well. The fact that I belong from a different country and might be working in a totally different part of the world full of people speaking different language and following different cultures and values is not scaring me in a way it would have had globalization not been such a profound phenomenon presently. Also (according to Friedman), globalization has changed the world in a way that is eliminating the distinguished characteristics and a more harmonious working environment is made consequently at different workplaces around the globe. As countries continue advancing technologically, the world is also getting smaller in response. In an insightful and riveting piece titled In the Next Industrial Revolution, Atoms Are the New Bits, (Anderson) also discusses how the world is rapidly changing as globalization took its toll a few years back and how business should be able to boom both locally and globally by carefully leveling the playing field. Though revolution cannot be brought in a single day yet, by leveling the playing field and embracing creative ideas from local people like Local Motors did, the manufacturing future could be drastically changed. Local Motors let the common public design transportation and out ruled the global auto manufacturing giants. (Anderson) emphasizes that the future is not about relying on globally recognized manufacturing companies, rather the future should be majorly about trusting on local individual innovators with brilliant ideas so that business could flourish locally. What is now seen as big can lose to what was seen as small in the past only

Cultural diversity Essay Example | Topics and Well Written Essays - 1000 words - 1

Cultural diversity - Essay Example It is anchored not only in these cultural resources, but organizational resources as well. In other words organizational culture is not fully dependent on the culture of the employees alone, but the organizational environment, work or business philosophy, attitude of the management etc can also influence the organizational culture. This paper briefly analyses the role of culture and diversity in organizations. Cartwright & Cooper (2002) have mentioned that there has been much optimism since the "global revolution" about how well an organization will do when it goes "global." Moreover, there has also been much risk in the acquisition and merger of organizations from various cultures to create organizations that are compatible and profitable. The expectation is that these multicultural organizations will appeal to more customers, creating an organization that can get ahead of all the rest (Cartwright & Cooper, 2002). Cross-border mergers have increased by about nine times of what they were just a few years ago. In fact M& A is adopted as a popular business strategy by big organizations in order to expand their wings to different countries and to reduce the competition. But in many cases, the expectations before the M&A have not been fulfilled after the M&A. The integration of the multicultural organizations into a single entity caused more problems than expected. Many of these takeovers and mergers fail because there is actually a production slow down based of the inability of two or more distinct cultures of people unable to work together. Culture is dynamic; everything about the human is immersed in cultural belief. According to Cartwright & Cooper, (2002), culture refers to everything that makes up a way of life including language, which is the oldest institutional medium of expression, thought which is what creates perception of others and understanding of the world, spirituality which is

Environmental Scan Essay Example | Topics and Well Written Essays - 1000 words

Environmental Scan - Essay Example Their focus for the past few months has been to form strong relationships with their current customers, including car dealerships, repair shops, and the used car market, through strategic marketing and PR platforms. But at the moment they cannot gain customers in the car manufacturing sector as they don’t have the capacity to bring in large orders of the quality demanded by those. The major players all have private negotiations with the larger processing plants or they source them directly through imports. The current financial standing of the business is not enough to ensure profitability or expansion, modification strategies. Variable Cost per month- $ (100*70*20) + 2000 142,000 Average Variable Cost- $ 142,000/6000 23.67 Total revenue per month -$ 32*6000 192,000 The calculations indicate that the firm is not performing enough to generate a steady profit as the revenue is less than the total cost of producing. However, it would not be advisable for the firm to shut down ope rations as the loss being incurred now might well be less than the total fixed costs, which is what the firm would suffer if the management decides to shut down. The revenue per unit received is $32, according to economic rules an â€Å"in the short run, a firm will maximize profit or minimize by producing the output at which marginal revenue equals marginal cost (as long as producing is preferable to shutting down† (McConnel et al., 2008) The firm is producing output at the MC of $30, which is near enough to the marginal revenue of $32 and is following economically sound practices. From the calculation, we can see that the Average variable cost is $23.67, which means that the MR of $32 covers the ATC as well as contributing $8.3 to covering up the fixed costs incurred in the process... As the variable cost of workers is the greatest cost they incur in production, one possible venue is to bring greater automation in the plants along with the implementation of software like ER P or specific manufacturing software to take over the manual jobs in the factory. While the process requires hiring experts as consultants (or creating a new position in the firm) along with the capital requirements for new hardware and software, in the long run, the variable costs will go down and the increase in fixed costs will be offset by greater revenue and profits. Financial formulas can be applied to forecast the expected change in profit and cost structure; including interest expenses from the loans that will be taken or the bonds which will be floated to fund the project. Another way to generate liquid capital can be through making the firm public and floating shares in the market, but the current standing does not indicate that the response will be good and the owners are better off by taking liabilities and keeping control of their business in their hands.

Peer Review PowerPoint Presentation Against Death Penalty Essay

Peer Review PowerPoint Presentation Against Death Penalty - Essay Example The paper ought to have introduced the matter as a regulation within the laws of the land that is not conforming to certain standards of the natural laws and that is not achieving any realistic targets as are expected. The body of the document does not present the information in a properly organized and sequential manner. The writer has failed to give the information with in depth explanations and examples covering all the expected and related cases. The body ought to have involved clear illustrations of the practical related issues in the area of concern ensuring that the illustrations of back up the improper effecting of the legislation and how it has directly affected the parties that have suffered from consequences of the implementation of this legislation. The body reports that the execution of the stipulated regulations of the process fails to achieve goals of handling the situation, however it does not provide the best practicable alternative that can solve the issue amicably. The writer just within the body provides his complaints but does not specifically raise the factual issues in relation to the execution of the regulation. The conclusion is very categorical and on point with direct inference on the opinion of the writer minus making a consideration of the opinions of other likeminded individuals and players in the subject area. The conclusion has failed to provide a concrete explanation and illustration in relation to the issues discussed and is very brief. The grammar has no proper polishing in relation to the clear presentation of the topic of discussion in the subject matter. However, the language used is not very professional and legislative as expected in relation to the subject of concern. I expected that the language of use in this paper would majorly be in relation to legislations and the acts of the government stated and clearly explained with the reasons of non-achievement of the

139 DB wk6 Quail Essay Example | Topics and Well Written Essays - 250 words

139 DB wk6 Quail - Essay Example Well-situated business must be accessible to clients at all time. Daily time to spend in the premises to that at home with family also affect the business choice. Due to my interest in food industry, dedicating more than half of the day in the business should not be a problem. Capital invested in restaurant business is medium meaning lower risk. In addition, pay attention to laws governing this type of business and competitors around and ways to deal with any challenge. Check the financial statement of the business of interest to ascertain if there are any loans under the name of the business. Further information from an auditing company on the financial state of the business is important in determining profitability. Tax return for five years will be helpful in determining profitability. Cheap source of ingredients is another factor to consider. First, determine the value of the infrastructure and any added material used in the business. Then determine the value contributed by the name and values contributed by the employees. From this point, determine net value of the business based on expected future profit. To determine profitability then consider tax return for the past three to five years and the profit margins that affect its growth potential. Consideration for competition from other similar businesses around is another factor that affects growth

Music Appreciation Unit review Essay Example for Free

Music Appreciation Unit review Essay Review Questions: 1) Popular music is any music since industrialization in the mid-1800s that meet middle class expectations. Popular contains all different types of music and Pop music is just simply a type of music included in popular music. It’s kind of like saying all Maple trees are trees but not all trees are Maple trees! 2) Themes such as love and relationships are used to create much of the pop music lyrics. A song that uses this theme would be Tina Turner’s song â€Å"What’s love got to do with it†, in which Turner describes love as being nothing more than a heart break. It was a popular theme because many people could relate it to their lives and their situation. 3) Disco had â€Å"soaring† vocals and a beat that made you want to dance- Rhythm often emphasized. It didn’t play a tempo to fast nor slow (between 100-130 bpm) and was made in the 1970’s. 4) The British Invasion is when British boy bands and their music started to become very popular in the United States of America. The Beatles were a large impact in this movement. They mixed many different kinds of music together which then caused others to do as well. The Beatles also sang about social issues while still incorporating catchy lyrics and rhythm. 5) A boy band usually consist of 3-6 younger male singers and they rarely use instruments. They also perform highly choreographed dance routines. And they all have their classifications ________________________________________ Critical Thinking Questions: 1) Yes I believe music is still used as a form of protest. There are still many songs where the sole purpose of lyrical is to protest some social issue. For example the band Nickelback sings many songs about coming together to help everyone. Like in their song â€Å"When We Stand Together†, a lyric that pops out is â€Å"when we could feed a starving world with what we  throw away. But all we serve are empty words that always taste the same.† While many of us know that there less fortunate people out in the world fighting to feed themselves, some take for granted that they have dinner every night. And Nickelback tried to write this song that confronted the issue that we all have to look out for one another. And there are plenty of other bands/singers that confront social and political issues. 2) Yes I believe music has become really commercialized today. Many artists are just singing for the money. Or there are some that just want to do it in order to be popular and gain their five seconds of fame. You can see this in their attitudes- caring more about the outfit they’re wearing or the car they get to show off instead of setting time aside to actually interact with their fans.

Human Resource Management In Industrial Relations Management Essay

Human Resource Management In Industrial Relations Management Essay Introduction The management of industrial relations in Great Britain has changed notably in the last three decades. Industrial relations management has been significantly affected by several factors: economic climate, political change, and social environment. After world war two, British economic condition has gradually fallen down. It has been proved that it is much more complicated to manage industrial relations than before. The causes can be analyzed from many aspects: the increasing competition in product market, globalized trend, restructuring labor force, and reduced unions power. From 1979, the power of trade unions has been greatly restricted by government. Deregulation on the labor market also has been enhanced. At the same time, British economy had to face a severe international competition with high inflation and unemployment in domestic. Then, what are the changes of British industrial relations in the last three decades. What are major factors influencing British industrial relations management. We plan to find out more in the following parts. First, the nature of industrial relations management was the first issue. Then, industrial relations management in the period from 1979-1997 and period from post-1997 has been discussed respectively from two aspects: economic and political factors. Finally, the role and influence of employer, trade union and government have been embedded respectively. Human resource management in industrial relations In the 1980s and 1990s, the attitudes and strategies of industrial relations have been changed. Debates about human resource management practice in industrial relations were hot issues in management field. And individualism and collectivism in industrial relations were focused as well. First, look at the political and economic environment. From 1979 to 1997, The Conservative Government, which was elected during the time, insisted on weakening trade union power, reducing public expenditure. Except the government policies, employers faced a more competitive market. The globalization and recession made the situation worse than they had before. During this time, employers aimed to make great profits and reduce cost, instead of good industrial relations management. The types of corporation, labour market, competition in product market, organisation culture, and tradition were taken into account when employers intended to make industrial relations policies. A very important conception whic h was largely recognized in HRM was that labour is regarded as an asset or resource. Thus, employers need to explore employees potential through motivation, training, and development. Storey (1992) proposed two famous HRM versions: soft HRM and hard HRM. Soft HRM emphasis on employees needs, such as motivation, training and work-life balance while hard HRM more emphasis on economic factors. Many researchers agreed that HRM to some extent was a threat to trade union and was a new development in employee relations (Guest, 1989, Millward, 1994) Turing to industrial relations management style, there are four types of management styles which were classified by Purcell and Sisson (Purcell and Sisson 1983 cited by Kessler, 1998): traditionalists, sophisticated paternalists, sophisticated moderns, and standard moderns. Traditionalists have one belief and are anti-union with forceful management. Sophisticated paternalists spend much time in ensuring that their employees have the right approach. Sophisticated moderns management recognized the union role in certain areas. Finally, in standard modern management Trade unions are recognized and industrial relations are seen as primarily fire-fighting and assumed to be non-problematic unless event prove otherwise. (Sid Kessler, 1998, p.114) The industrial relations management may vary in different organisations or even in different groups in a company. Although the management style may vary according to the situations, one fact was that collective involvement had been shifted to indivi dual involvement. After 1997, the employee relations management further developed. The findings of WERS 2004 show that positive contracts and communication with employees will contribute to high commitment performance and economic outcomes. Moreover, Employee involvement participation is greatly focused by employers, employee voice, teamworking, and work-life balance as well. (WERS, 2004) Industrial relations management in 1979-1997 The economic environment for industrial relations from 1979 to 1997 changed greatly. Firstly, the decline of manufacturing industry was very obvious. Secondly, unemployment problem is dramatically severe. It was reported that the number of unemployment increased from 1.6 million to 3 million from 1987-1992. Although there was a small recovery after 1992, the number of unemployment still kept on 1.5millionn in mid-1997. The high unemployment reflected a severely competitive labour market. Furthermore, the structure of economy and labour force also changed. Manufacturing industry decreased; private service sectors increased; and increasing number of women was engaged in workplace; self-employment became popular; and part-time workers, and temporary workers grew fast in that period. Finally, there was a globalized competition in product market. Interaction of these economic changes influenced industrial relations in Britain. Except the economic changes, the Conservative Governments poli cies and laws had great effects on industrial relations. The government restricted trade union power and weakened joint regulation. A series of legislative program was carried out during the time. The first legislative action was to restrict the closed shop in 1980. The Conservative thus, Governments policies and trade union membership density was directly reduced by governments policies and legislations. Shifting to industrial relations management, a more important change was that employee relations specialists and line managers replaced traditional managers role: they are more likely to be responsible for employee relations issues in 1990s. If people intend to be employee relations specialists, they need to obtain professional qualifications. And such qualification requires long relevant working experience. This change may reflect a higher demand for professional knowledge such as employment law. The management of employee relations became more complicated. The conception of human resource management was widely accepted in the late 1980s. Millward et al (2000) noted that those using the title human resource manger accounted for a third of specialists in 1998.(Millward 2000, p. 225) The employee relations specialists continued to rise in the following years. Millwards findings showed that human resource managers and employee relations specialists responsibilities are similarly. They are both responsible for pay, training, grievance handling, and payroll management. Another change was the shift of employee relations managers major work. In the early 1980s, many employee relations managers spent much time on dealing with collective industrial conflict. WERSs (1998) findings revealed that employee relations mangers pay much attention to individual grievances, particularly related to legal proceedings. Moreover, workplace managers switched more attention to collect and deliver information to employees. They use information to review organisation performance and policies. Another change was happened in industrial relations system. Multi-employer agreements affected one third of the number of workplaces in 1998 that they had in the early 1980s. (Millward , 2000, p. 227) In terms of pay, multi-employer agreements to most extent have been determined by employers themselves than workplace itself. The management became more centralized in an organisation during the 1990s. Higher authorities were more likely to make decisions than workplace managers. This could indicate that industrial relations were regarded as operational issue rather than strategic ones. Trade unions had more chance to be involved in the relationship between employers and employees. Trade unions in Britain represent employees interest. But from 1979 to 1990s, trade unions power gradually declined and lost much union membership. Employees support for trade union declined and support from management reduced as well. Many factors led to the phenomenon. The decline of manufacturing industry where were traditionally organized by trade union reduced the number of union membership. And the increasing number of women workforce and temporary workforce who have less possibility of being union membership also resulted from the decline. Another change was that there was less union recognition at workplaces, particularly in private service sectors, which increased during the time. Thus, fewer employees asked for collective bargaining to improve their pay and working conditions. Moreover, the impact of trade union on pay weakened during 1980s and 1990s. During the 1980s and 1990s, when the collective representation declined, the management in industrial relations transferred to focus on communication with employees. Millwards survey showed that communication channels between senior mangers and employees have changed from joint arrangements to direct forms of communications (Millward, 2000 p.230) Managers held regular meeting with workforce and team briefings to hear their suggestion and questions. And according to Millwards point of view, this management-dominated arrangements can improve employee treatment. Industrial relations management in post-1997 After 1997, industrial relations in Britain continued to change due to the changing external environment. However, there were many employment relations retained: the degree of numerical flexibility, the incidence of varies dispute, grievance and disciplinary procedures, the incidence of industrial actions and etc. (WERS, 2004) A variety of changes could be obtained from workplace employment relations. From WERSs findings (2004), the practice of employment relations varies largely between small and large workplace and it also varies between different sectors of industry, especially between private sectors and public sectors. Private sectors shared more proportion in workplaces from1998 to 2004. The figures from WERS2004 showed that 70 percent of workplaces were operating in private sectors compared with two-thirds in 1998. Look at all workplaces, 49 percent of employees were female and 34 percent of them were in managerial positions. Women have more chance to be managers in public sectors (46 percent) than in private service sectors (30 percent). Trade union also changed considerable and it had great impacts on industrial relations management. There was a considerable decrease in the proportion of union members. In 2004, 64 percent of workplaces didnt have union members compared with 57 percent in 1998). Union density slightly declined from 22 percent to 18 percent. Public sector accounted for more proportion of union membership than that of private sectors. Union membership density had strong relationship with management attitudes. Public sectors were more likely to provide management support for union membership than private sectors. However, the relationship between public sectors and private sectors are similarly strong. Besides that, another change of trade union in British workplaces can be found from WERS 2004 report. The proportion of union recognition in workplaces continued to decline after 1997. Only 18 percent of workplaces recognized trade union in 2004. (28 percent union recognition in1998) Furthermore, compared with 1998, union representative in workplaces spent more time on representative works. And they did more representative works than their non-union colleagues. It was reported that 43 percent of union representatives spent five hours on representative work while 33 percent spent two and four hours. Union representatives pay more attention to working condition and dispute, such as pay level, working hours, holidays. About 76 percent of union representatives attempt to recruit new members in their workplaces. But a clearly change during the period was that employees had a low preference of being a union members. In the period from 1979-1997, workplace managers were more concerned about collecting and delivering information. They continued to adopted direct communication with employees after 1997. Direct communication was further widespread between managers and employees. Figures could be found from WERS2004 report. Table 1 Direct communication and information sharing, by sector of ownership. 1998 and 2004 1998 2004 Private sectors Public sectors All Private sectors Public sectors All Direct communication Meeting with entire workforce or team briefings 82 96 85 90 97 91 Systematic use of management chain 46 75 52 41 63 45 Regular newsletter 35 59 40 72 86 74 Noticeboards 36 48 38 E-mail 36 48 38 Intranet 31 48 34 Suggestion schemes 30 30 30 Employee surveys 37 66 42 Information disclosure over Investment plans 47 59 50 40 50 41 Financial position of workplace 56 82 62 51 76 55 Financial position of organisation 66 67 66 51 53 51 Staffing Plans 55 81 61 61 81 64 (Source from Workplace Employment Relations Report2004) From the table, we can see that there were different forms of direct communication in practice. Regular meetings with entire workforce or team briefings was still popular, accounting for a dominate proportion and slightly increased from 85 percent to 91 percent during the time 1998 to 2004. A new creation of these meeting was that a part of meeting time was left to employees. Employees were allowed to propose suggestions and questions during the meeting. Suggestion scheme, staff attitude surveys and problem-solving groups were adopted by many organisations in managing employment relations during the time. Moreover, In the information disclosure over part, mangers preferred to disclose information though staffing plans (64 percent) than others. Shifting to pay determination, which is a major issue in managing employee relations, the most common pay determination was still by management unilaterally. 70 percent of workplaces used this way to pay. Only 27 percent of workplace asked for collective bargaining with unions to determine pay level. Similar to the situation of 1979 to 1997, the proportion of workplaces through collective bargaining in pay determination has continued to decrease since 1997. But public sectors were more likely to use collective bargaining than private sectors. Among 83 percent of public sectors workplaces, 82 percent of workers have their pay through collective bargaining. On the other hand, in private sectors, 26 percent of worker among 14 percent of workplaces use collective bargaining. From these figures, we can know that pay system was not unmilitary anymore. Different measurements were developed. Managers were more likely to determine pay through systematic performance and appraisal management to motivate employees. Performance-related pay, profit-related bonuses, and employee share schemes were prevalent at this stage. The way manager dealing with workplace conflict was also a change during this period. It is obvious that collective conflicts gradually reduced while individual conflicts grew. Industrial actions were less used to solve workplace conflict. most of conflicts were solved through legal procedures. But there was no big conflict happened during the time. Equal opportunities were concentrated by employers since 1997. A large number of industrial relations law was approved by government to enhance the equality in workplaces. Response to the legislation, managers implemented a range of equality policies. WERSs report (2004) revealed that 73 percent of workplaces had a written policies regarding equal treatment in 2004. 9 percent increased from 1998. These policies are largely concerned about equal opportunities for different gender, race, and disability. When implementing some HRM practice such as recruiting, selection, pay rate system, managers are required to consider these policies in employee relations management. Moreover, there was other legislation introduced to improve employer-employee relations, covering work-life balance, hours of work, flexible working arrangements, employee well-being and job satisfaction etc. All these legislation pushed employers to make some differences in industrial relations management. In the late 1990s, the relationship between employers and employees was firstly defined as partnership. Therefore, partnership practice was expected to be implemented by employers. But does partnership practice really promote the managers-employees relations. Evidence was shown in table 2 below. Table 2 managers and employees perceptions of management-employee relations, 1998 and 2004 manager employee 1998 2004 1998 2004 Very good 41 47 16 19 good 47 46 40 41 Neither 8 6 27 24 Poor 3 1 12 12 Very poor 1 0 6 4 (Source from Workplace Employment Relations Survey) Compared with managers view, employees thought relationship was slightly less improved. Except that, managers hold a relatively positive attitude towards management-employee relations. 47 percent of mangers thought they had very good relations with employees while only 19 percent of employees agreed. Partnership relationship requires mutual trust, but the reality was less satisfactory. To sum up, industrial relations management showed considerable changes. Under the adopt of partnership relations between managers and employees, Less workforce want to be union members; direct commutation was widespread in workplaces; an decreasing number of workplaces recognized unions for bargaining on pay and conditions, and collective bargaining declined as well; an range of policies were implemented in workplaces to promote equal opportunities; and managers had wider responsibilities of caring their employees on flexible working conditions, work-life balance, security, job satisfaction etc. The role and influence of employers The most famous employer association in Britain is the Confederation of British Industry (CBI). Like TUC, CBI does not directly participate in collective bargaining. Its major work is to lobby to British government for employers interests. In the last three decades, employers association gradually lost their regulative power. Since 1970s, the decentralized trend was shown in private sectors. A range of operational jobs were distributed to lower departments while head office only had strong control on certain key issues. The employer power and freedom was greatly strengthened in the last few decades. There were many causes contributed to the situation. More competitive globalization in product market and governments policies in weakening union power let employers have more power in labour field. Employers focused on performance improvement, cost reduction in labour filed. Employers play an important role in employment relations management. They formulate the management policies and style. Employers also have the rights to decide whether or not recognize unions. During the period, employers have sought to manage industrial relations with HRM techniques. They became to purse employee commitment, teamworking, and work hard in improving communication with employees. In terms of pay determination, their measures have been extended. Performance-related pay, profit related pay and employee share schemes were adopted in most workplaces. As the maker and performer of these policies, employers decision and behaviors considerably influence industrial relations management. In workplaces, employers choose certain styles of employment relations management. Non-unionism prefers Soft HRM or bleak house management style while unionism prefers partnership at work. The role and influence of government Government plays a key role in industrial relations. Its attitude towards industrial relations can largely change the current situation. It is mostly related to governments role in law. Governments polices and legislation determined employers and trade unions attitudes and conduct of employment relationship. Since 1979, The Conservative Government canceled support for collective bargaining and attempted to decrease collectivism and regulation. The government published laws to regulate equal pay and opportunities at workplaces. When Labour Party took the government, they published National Minimum Wage, and were more concerned about employees rights. These actions made contributions to written equality policies in organisations and influenced pay system. On the other hand, government legislation reduced the power and ability of unions to control on industrial action, closed shop policies directly reduced trade unions membership. The role and influence of trade union In Britain, there was Trade Union Congress (TUC) and many affiliated unions. TUC dont have the rights to make industrial relations laws, their major work is to lobby to government and employers on behalf of employees interest and benefits. For many HR specialists, dealing with trade unions issues was once an important work in their jobs. However, since 1979, the Conservative Government took part the government, a series of anti-union legislation dramatically weakened union power. The cause was not only the political change and economy recession. Metcalf (1991, p.22) noted that the result was interacted by five factors: the economic climate, workforce market, government policies, the attitudes of employers, and union themselves. Studies show that larger organisations have more chance of Trade union presence. 64% union density was shown in public sectors. White-collars are more likely to be union membership. Labour partys return in 1997 has brought some changes, but the union power sti ll towards a falling trend. The Employment Relations Act 1999 aims to promote union recognition. And Labour Government spent more efforts on employees interests. In the last three decades, trade union changed a lot to attract new employees. Except proving legal advice, training for representatives has been developed. And TU try to build a partnership with employers. According to E.D.Ewings study (2005), trade unions have five major functions: a service function; a representation function; a regulatory function; a government function; a public administration function.(Ewing, 2005) A service function means trade unions plays a role of providing service and benefits to members. It takes twos forms. One is more traditional, comprising health and unemployment benefits, and even insurance. The other is more professional. Trade unions provide legal advice and representation to help workers. Trade union needs to recruit new membership for survive, the service functions are usually used as a recruitment toll as they provide a variety of service such as representation to those who has grievances at workplaces, which is much more important than collective bargaining now. Representation function has gained much concern in recent years. A representation function means that trade union is responsible for employees interest and benefits. Different from service function, representation function offer much more professional support to employees. And also trade union can take the form of collective representation to assist employees. Collective representation has two major forms: consultation and bargaining. Regulatory function is the most important role of trade unions. A regulatory function means that trade unions is responsible for making rules for union membership. The role can be achieved by two ways. One is directly performed through multi-employer collective bargaining, such as Joint Industrial Councils. Another way is indirectly performed through legislation. Because decentralized organisations increased in the past few decades, the role of trade union in collective bargaining on pay and conditions has declined. By contrast, regulatory legislation is more prevalent. Government function means that trade union are involved in cooperating with government to ensure they can perform their functions under governments legislation and policies. And public administration function is similar to government function they are all engaged in implementation and delivery of government policies. Trade unions attitude towards management has changed in recent years. Many trade unions now focus much on business. They attempt to develop flexible, motivated workforce and partnership not only equal treatment. Conclusion There have been great changes in UKs industrial relations. During the 1979-1997 periods, Britain suffered a great recession. The proportion of manufacturing industry declined. Unemployment problem is dramatically severe. The competitive labour market worsens the unemployment problem. The structure of economy and labour force also changed as well. Public service sectors grew quickly during this time. and increasing number of women, self-employment, part-time worker and temporary workers grow were engaged in workplace. Besides the economic changes, government restricted trade union power. And a series of legislation was carried out in order to control the activities of organized labour. The interaction of economic and political factors reduced the trade union membership density. In workplaces, employee relations specialists and line managers replaced traditional managers role. They become responsible for handing employee relations issues. Compared with traditional responsibilities, it was reported that employee relations mangers pay much attention to individual grievances, particularly related to legal proceedings. Employees support for trade union and support from management both declined. Finally, when the collective representation decreased, the management in industrial relations transferred to focus on communication with employees. Direct forms of communications were more prevalent at workplaces. In post-1997, Labour Party took the government; they attempted to enhance union recognition despite the gradual decline of union density. But they were increasingly concerned about employees rights, such as National Minimum Wage. Managers were more likely to determine pay level by diverse pay system: performance related pay, profit-related bonuses, and employee share schemes. Managers worked hard on improving employer-employee relations. Direct communications was widespread at the time. Managers actively listen to employees suggestion and questions. Management scheme covered more issues than before, such as work-life balance, flexible working arrangement, and equal opportunities. Due to governments support and the weaken power of trade unions, employers have more freedom and power. Employers can decide whether or not to be union members at workplaces and also can choose management style in industrial relations. Government as a law-maker plays a crucial role in industrial relations management. Trade unions represent the interests of employees, have five major functions: service function; representation function; regulatory function; government function; and public administration function.

Vincent van Gogh :: Essays Papers

Vincent van Gogh Vincent Van Goeh drew the painting, which is portrait of him. He drew himself as a red haired guy with gray shirt. In the picture, there is only himself and gray background. Gray background is making circle motions composed with thin lines. You can see a lot of circles in the background. His hair, bears, and eyelashes are colored with red. His hair and bears are not trimmed. His eyes are small and dark looking right at me. His shirt is gray and very old one. I touched his lips and all I felt was cold, firm paper. By the oily smell, I guessed he used oil colors. I couldn't hear or feel any sound as if he want to show me what silence is. I wanted to try to kiss him to feel the taste, but didn't want to get caught. He looked at mirror and found a subject he was looking for to draw. He carefully observed the man in the mirror. The man looked angry and tried. His lips are sealed as if he does not have anything to say. Silence was the man's only company. He had pens, pencils, canvas and everything to draw. He started with pencil. He drew the man, his hair, his eyes, his ear, and his shirts. He colored the man. He looked at the mirror again. He saw the man, and there was something missing. He gave colors on the air of the background. He carefully chose gray color, and filled the background. He finally touched his eyes to express the man's anger, or any feelings he had. I was walking without any concentration about the paintings on the wall. I stopped not because I found an interesting piece, but because he caught my eyes. His eyes were dark, and angry. They were looking right at me.

Adolescents and Sleep-Deprivation: Should High School Classes Start La

Seventeen-year-old Jilly Dos Santos (a student of Rock Bridge High School) struggled every morning to be at school for 7:50 a.m. Rushing to put on makeup, skipping breakfast, and being tardy was common for Jilly. â€Å"I will die†¦I will drop out of school† claimed Jilly when she found out that the school board was considering moving the start of the school day 30 minutes earlier (Hoffman 2). Jilly became a sleep activist because she knew that, biologically, adolescents go to bed and wake up later. Mary Carskadon, considered to be an expert on sleep and circadian rhythms of adolescents, claims that adolescents should receive about 9 hours of sleep a night (Onyper). Many students suffer from sleep-deprivation due to alterations in the peak times of melatonin production, a hormone directly involved in sleepiness, and personal schedules, which affects the body in various ways (Nathan). For example, sleep-deprivation lowers levels of leptin, which is the main hormone involved in the regulation of appetite, thus increasing the chance of overeating (Spiegel). It also increases the chances of depression and affects the levels of cortisol, a toxic hormone induced by stress (Bergland). I believe that classes for 13-21 year-olds should start later because it would result in adolescents sleeping more, performing better in school, and reduce health risks. Based on evidence that adolescents need more sleep, psychologists are starting to believe that schools start too early. Let us say that a school starts classes at 7:30a.m. Students would have to wake up around 6 in order to have the time necessary to get dressed, eat breakfast, and make it to school by 7:30. In order for adolescents to get at least 9 hours of sleep, they would have to go to ... ...014 Hoffman, Jan. â€Å"To Keep Teenagers Alert, Schools Let Them Sleep In.† New York Times. 13 Mar 2014: n.p. Web. 28 Mar. 2014. Nathan, Nila, and Jamie Zeitzer. "A Survey Study Of The Association Between Mobile Phone Use And Daytime Sleepiness In California High School Students." BMC Public Health 13.1 (2013): 1-5. Academic Search Complete. Web. 25 Feb. 2014. Oynper, Serge. â€Å"Class Start Times, Sleep, and Academic Performance in College: A Path Analysis.† Chronobiology International. 15.1 (2012): 318-324. EBSCO. Web. 4th Feb. 2014. Pejovic, Slobodanka, et al. â€Å"Leptin And Hunger Levels In Young Healthy Adults After One Night Of Sleep Loss.† Journal Of Sleep Research 19.4 (2010): 552-558. Academic Search Complete. Web. 14 Apr. 2014. Spiegel, Karine. â€Å" The Impact of Sleep Deprivation on Hormones and Metabolism.† Medscape.org. n.p. August 2005. Web. 13 April 2014.

Gender Role In Social Construction Essay -- Gender Socialization Sex E

Gender Role In Social Construction Works Cited Missing   Ã‚  Ã‚  Ã‚  Ã‚  Everyone’s life is affected by social construction. This is the belief that knowledge is determined by society, and in turn (knowledge) is formed by the individuals that belong to the society. When an individual thinks of a doctor, lawyer, priest, engineer, or manager they usually picture males. While nurses, teachers, and housewives (emphasis on wives) are purely female professions in our society. This is social constructionist thought on what role a male/female should play in today’s society. These may not be the professions of choice for the individuals, but what the individual believes is socially acceptable. â€Å"Most of the behavior associated with gender is learned rather than innate†(Chandler 5). People begin to learn what is right and wrong (according to the community) from the earliest of ages. The media contributes to social construction, as women and men are almost always portrayed in a stereotypical manner. By examining the way t he media is presented, one can see the impact of social constructionist thought.   Ã‚  Ã‚  Ã‚  Ã‚  The impact that media can apply varies from society to society, this is because each society obliges to a different social construction. In European countries nudity can be shown on television, and is perfectly acceptable. For example, in the Netherlands:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Governments support massive, consistent, long-term public education campaigns utilizing television, films, radio, billboards, discos, pharmacies, and health care providers. Media is a partner, not a problem, in these campaigns. Sexually explicit campaigns arouse little concern.(â€Å"Love† 2) In this community the openness towards sexuality is not only acceptable, but is the standard set by the society. In the United States however, displaying sexuality is not acceptable. Kirby Anderson states that â€Å"what children see on television encourages them to take part in sexual activity too soon, to show disrespect for their parents, and to lie and engage in aggressive behavior†(4). The American society believes that displaying sexually explicit content pressures the viewers into preforming â€Å"sinful† acts. These acts include anything from using foul language to premarital sex. By comparing the views of these two cultures it is easy to see how â€Å"knowledge in one society may not be considered knowledge in another society... ... 100 ads based on sex appeal contained at least one near-naked woman (England, McBride and Peirce 5). This overwhelming majority just adds to the fact that society believes that women should be compliant and submissive. To advertisers these findings may seem trivial. What does it matter if most ads associate men with supremacy and females as secondary? Or perhaps advertisers believe that complying with society is the only way to sell products.   Ã‚  Ã‚  Ã‚  Ã‚  The clothes we wear, jobs we hold, and roles in society are all partially determined by social construction. Although each society contains a different social construction, the theories themself are presented in the same manner. The mass media is one of the largest social constructs that make up a community, and therefore effects the audience greatly. Movies, television, and advertisements render women as weak and inferior; while men are depicted as the superior leaders of society. According to Doctor William Rouster â€Å"...knowledge is based on what a certain society says it is...†(1). The media is built from what society believes to be true. With this in mind maybe it is the society, not the media, that requires a change.   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  

Narrative essay Essay

Since I had started school and writing composition, I have had experiences that either was good or bad. But at the end these experience helped me through my next and future years of school and college. One of the incidents that most marked my writing experience was in sophomore year. The prompt was doing a resume for college, and I actually did or tried my best, but then again the result wasn’t so good. The resume was almost completely marked by red writings, of my grammar. All though the professor gave us many opportunities to make it right, every time I got it back it seems as if nothing had change. And it was then that I realized I haven’t had done some things right. I learned two things not to stress and always have my ideas on the same topic. Through this experience what has helped me the most in other assignments was not to over stress. When I remember back to that event, I see myself over reacting and stressing out, thinking whether that resume was making sense. I would stress so much, to the point that I would spend hours just thinking of how to start my first paragraph. When knew I should have start by thinking of my ideas, writing them in paper, and then modifying them in a paragraph. It showed me that by doing these I wrote faster my paragraphs, ending my work faster. These knowledge improve my way of writing a resume and any other type of writing work. 　　　 　Another skill these experience taught me was to never let my ideas go off topic. I remember that resume had side notes saying that my ideas were not connected and were off topic. So since that day I tried to keep my writing on the same topic . My resume didn’t make sense because I sometimes got my ideas mixed and wrote them in the wrong order. Which most of the time made my resume to not make sense. This experience also taught me to always sound myself and not try to hard using fancy words, which as a result let to paragraphs without any meaning. Some of these intellectual words were hard to find when writing and knowing what kind of audience was going to read my resume. 　　　　 In all these bad experiences as someones will say, taught me that we are not always going to have a perfect paragraph. That we need practice and patience to do our best on the writings assignments. These experience also showed me to be more confident on how I write and on what I’m trying to say. At the end either good or bad this experience taught me a lesson that I know will help me all this years to come. And after this lesson learned was something is going to be on my mind and I will know what to do on the next

We All Have Experienced an Embarrassing Moment in Our Life

Some of the embarrassing moments in our lives are worth recalling while others are so disgusting that no one would wish to recall or even be associated with them. That day will forever remain in my mind. I can recall with nostalgia an incident, which took place five years ago. Back at home, my parents would reward my brother and me for the good grades we scored in the term papers. On this one occasion, my mum rewarded me with two hundred dollars for the good grades in the end year papers. In order have fun; I decided to invite my best friends to a hotel for lunch.On arrival at the hotel, I told my friends to order as much as they wished to take. One after another, they placed their orders and immediately the waiters swung into action and started serving us. The food was very delicious just as the services. We all took to eating, talking and laughing at the jokes we made back at school. On finishing the food, the bill was placed on the table. I hurriedly reached my pocket to get the m oney but to my utter disbelief, the two hundred dollars were missing. After a thorough check in all my pockets, it dawned on me that I had left my dollars in my bedroom.I had been filled with joy and excitement when my mother gave me that I did not remember to put it in my purse. On waking up in the morning, I was late and so I prepared myself in a hurry leaving the money on the table inside my room. I thought of borrowing money from my comrades but none of them could offer any help. They did not carry any money, as we would be picked by the school bus from home in the morning and only come back in the evening with the same. I approached the waiter and narrated my ordeal but she was fuming with rage.She ordered me to explain to the director. The hotel director was a kind and understanding man. He listened to my rather unfortunate ordeal and allowed me to rush home and get the money but had to leave my school identity card with him just in case I did not to come back. I hurriedly wen t to the nearest telephone booth, called my younger brother, and requested him to deliver the money at the hotel. Ever since that day, I ceased to going to that hotel. I have this fear that some of the waiters might recall my countenance.It was the most embarrassing moment of my life. Since the events of that day, my friends have always made jokes regarding that fateful day and would all laugh at it. The other day when I was going to the cinema I met with an old good friend of mine who was there when all that happened while on summer vacation. We reminisced for quite sometime and he offered to buy me a drink. We hurriedly entered the hotel nearby only to find other two childhood friends. It was a fantastic but strange twist of events as we further talked about the good old times.Food and drinks were served and we started eating, as we talked oblivious of who had served us. When we had spent some good time inside there, we rise up to go when the bill was placed on the table. The wait er was anxiously waiting for the money. My friend got the money and it was only while he was paying that we realized it was in this same hotel and the same waiter who had held us at ransom. She also was recalling but this time she managed to smile at us. We looked at each other and all we could do was to laugh it was just fabulous. It is amazing how sometimes life can be.

A Brief History of Courtship and Dating in America

A Brief History of Courtship and Dating in America, Part 1 [pic]by The Rev'd Skip Burzumato [pic] Whenever possible, I love to use the word â€Å"courtship† in everyday conversation with young and old alike. It's one of those words with which most people are familiar, but have vastly differing opinions of what it means. For many, courtship is an old-fashioned word. It summons visions of men wooing women with small tokens of affection and asking their hand in marriage on bended knee. For social scientists, studies of courtship usually look at the process of â€Å"mate selection. (Social scientists, among whom I number myself from time to time, will never be accused of being romantics. ) For the purpose of this article the preparation for and proposal of marriage is what makes the act qualify as courtship. As cultural historians Alan Carlson and Beth Bailey put it in the Mars Hill Audio Report, Wandering Toward the Altar: The Decline of American Courtship, prior to the early 20 th century, courtship involved one man and one woman spending intentional time together in order to get to know each other with the expressed purpose of evaluating the other as a potential husband or wife. The man and the woman usually were members of the same community, and the courting usually was done in the woman's home in the presence (and under the watchful eye) of her family, most often Mom and brothers. However, between the late 1800s and the first few decades of the 1900s the new system of â€Å"dating† added new stages to courtship. One of the most obvious changes was that it multiplied the number of partners (from serious to casual) an individual was likely to have before marriage. So, one important point to understand right up front (and about which many inside and outside the church are confused) is that we have not moved from a courtship system to a dating system, but instead, we have added a dating system into our courtship system. Since most young adults will marry, the process employed in finding a husband and wife is still considered courtship. However, an extra layer, what we call â€Å"dating,† has been added to the process of courting. If you are familiar with computer programming terminology, you can liken dating to a sub-routine that has been added to the system of courtship. Over the course of this two-part article, I would like to trace how this change occurred, especially concentrating on the origin of this dating â€Å"subroutine. † Let me begin by briefly suggesting four cultural forces that assisted in moving mate selection from, as Alan Carlson puts it, the more predictable cultural script that existed for several centuries, to the multi-layered system and (I think most would agree) the more ambiguous courtship system that includes â€Å"the date. The first, and probably most important change we find in courtship practices in the West occurred in the early 20th century when courtship moved from public acts conducted in private spaces (for instance, the family porch or parlor) to private or individual acts conducted in public spaces, located primarily in the entertainment world, as Beth Bailey argues in her book, From Front Porch to Back Seat: Courtship in Twentieth Century America. Bailey observes that by the 1930s and 40s, with the advent of the â€Å"date† (which we will look at more fully in the next installment) courtship increasingly took place in public spaces such as movie theaters and dance halls, removed by distance and by anonymity from the sheltering and controlling contexts of the home and local community. Keeping company in the family parlor was replaced by dining and dancing, movies, and â€Å"parking. † A second cultural force that influenced the older courtship system was the rise of â€Å"public advice† literature as well as the rise of an â€Å"expert† class of advisers — psychologists, sociologists, statisticians, etc. At the same time that the public entertainment culture was on the rise in the early 20th century, a proliferation of magazine articles and books began offering advice about courtship, marriage, and the relationship between the sexes. As Ken Myers says in Wandering Toward the Altar, from the late 1930s on, young people knew, down to the percentage point, what their peers throughout the country thought and did. They knew what was â€Å"normal. † Prior to the 20th century, â€Å"normal† was determined within families and local communities, but now a â€Å"higher authority,† with wide-spread circulation and readership, began to form a national consciousness. Thirdly, we see a change in sexual norms in the West. With the onset of the sexual revolution the question arose, â€Å"Why would a man court and woo a woman when he could gain a chief benefit of marriage, namely sexual gratification, for free with no commitment? † (Friendship â€Å"with benefits† is a contemporary example. ) Closely related to this is the invention of birth control. There is too much that could be said here, so I'll be brief. Simply put, with the onset of the idespread use of chemical and other means of birth control, the language of procreation — of having children — was separated from the language of marriage. As U. of Chicago ethicist Leon Kass argues in his chapter on courtship in Building a Healthy Culture: Strategies for an American Renaissance, under the old system of courtship, marriage and bringing a child into the world were inextricably linked. But no longer. With the ever decreasing risk of pregnancy, having sex and being marr ied were no longer tied together. Fourthly, we find a change in the models and metaphors used to describe the home and family. Prior to the 20th century, when we talked about courtship we used language and metaphors of home and family: â€Å"He'd be a good father,† â€Å"They could have such a happy home together,† etc. The new system of courtship that played itself out in the entertainment culture and public square largely was understood and described by the advice and â€Å"expert† class with metaphors taken from modern industrial capitalism. It's as if those who wrote and commented on male-female relationship had stopped reading the Song of Solomon and Jane Austen in favor of Adam Smith, Karl Marx, and John Maynard Keynes. The new courtship system gave importance to competition (and worried about how to control it); it valued consumption; it presented an economic model of scarcity and abundance of men and women as a guide to personal affairs — There aren't that many good men left, so you better get one while the gettin' is good! This new language of courtship had great symbolic importance and continues to shape the way we think, speak and act concerning relationships to this day. Have you ever known a girl who went out with a guy who was a complete dolt but who could help her get ahead socially? (And not to pick on women, it just as easily happens in reverse. Those decisions are based more on economic theory of the 19th and 20th centuries than on any sort of biblical notion of desire for the opposite sex. So, these are four important cultural forces in the early part of the 20th century that assisted in moving our culture from the older courtship system that existed prior to the late 19th centur y, to a courtship system that includes â€Å"dating,† which, I will argue in the next article, is much more ambiguous and confusing. I will also talk about dating itself (including the origination of the word â€Å"date†), and how it has changed over time. ttp://www. boundless. org/2005/articles/a0001456. cfm Filipino Custom and Tradition: Courtship Although they have dated for a while here in the United States, my brother in law has to continue to court not only his fiancee but her family as well. Courtship is one that is still being practiced among the strictest of the Filipino families. This is performed by the male (who is the suitor since it is wrong to do it the opposite way) visiting the home of the female. In the olden days, courtship doesn't start until the male suitor had obtained permission from the parents. This was done with the male suitor being accompanied by another respectable elder and approaching either the father or the mother of the female and obtaining permissions days in advanced to visit at a particular day and time. Nowadays this form of getting the parent's permission is still being practiced in the provinces, however, due to western influences, there are some variations more adaptable to the modern times. One alternative is to make a phone call, asking for the parents' or guardian's permission through an elder to schedule a visit. Another way is for the suitor to approach the parents in a public place, and informally asking for permission to visit. Either way, it is to show proper respect to ask for permission prior to the formal visit. Properly greeting the parents by placing the back of the right hand of the parents to the suitor's forehead is practiced to show respect. This is called pagmamano in Tagalog. When the permission has been granted, the suitor whether accompanied by a friend or an elder will visit the girl's home and offers gifts. Gift bags or boxes of goodies or Filipino snacks purchased from a local store and flowers are generally given. The snacks or other goods are offered to the family of the girl then the flowers and special sweets (like chocolate or candies) are given to the girl. In a strict Filipino home, during courtship, the parents are present during the first visit. This is the opportunity to get to know each other. This is sometimes called courting the parents first and winning their hearts and approval then letting the boy or suitor court the girl. Subsequent visits are then scheduled if all went well during the first visit nd, depending on how long the courtship will last, the answer is given by the girl with the parents' knowledge as well. Since my brother in law and his fiancee have already dated and gone through a bit of courtship here in the United States, what he would do in his visit is to court or meet her family. He brought some pasalubong (gifts) from America which he will give to each family member. Other culture may call this as dowry but in the Filipino culture it is just plain gift-giving. No suitor should go to a girl's home without bearing gifts at least during the first visit. Then he will be introduced formally to her mother since her dad had passed away and also meet her younger siblings. His fiancee and her family would prepare a special meal and he will partake in them whole-heartedly. http://www. associatedcontent. com/article/397501/filipino_customs_and_traditions_courtship. html The Filipino way of courtship is probably among the most romantic in the world. TRADITION Courting under Filipino tradition gives very big importance on the value of respecting the woman and her family and strictly adhering with proper rules set by society for pursuing a lady. This practice which dates back to the Spanish times prohibits men to be very aggressive or becoming even when they want the lady very much. One cannot just talk and approach a lady in the street and ask her number or address. If a young man sees a lady he likes he should seek out the help of a go-between, usually a common friend of both family, to ask the permission of the girls father whether he can visit them in their house. This is the gentlemanly thing to do so the parents will most likely approve unless of course the lady is just a child. When the approval is obtained, the suitor can then come to the house with the go-between who will initiate the introductions to the family. The parents in turn will introduce their daughter to the gentleman. In this stage, the suitor is expected to bring â€Å"pasalubong† or gifts to the family and a special one to the girl he likes. This he will have to do everytime he visits the girl’s house. In the Philippines, when you court a lady, you have to court her whole family as well. In this first visit, the couple will not be left alone on their own to get to know each other. It will just be an informal chatting and introduction and getting-to-know stage between the suitor and the family and making clear of the suitor’s intention to pursue the host’s daughter. After the initial visit, the suitor is then expected to woo  the girl by showing up in her house more often and establish rapport with the her family. This is the stage where he does the â€Å"paninilbihan† or servitude. He serves the girls family in any way that he can to show to them and to the girl of his sincere intentions and love for her, be it by chopping firewood, fetching water from the well, etc. It is a way of saying â€Å"I will do anything to prove my love for you†. At night, he will sing â€Å"harana† or love songs outside the girls house by the window with a guitar and his friends serving as back ups. They will sing and wait until the lady finally opens the window and invites them into the house. They will then be served with light snacks and they can talk in the presence of the girls parents and the man’s friends. Note that in most times, the couple will be with either friends or families. It is considered inappropriate to leave an unmarried couple unsupervised in those times no matter what their ages are. The process of courting a Filipina in the traditional sense is a long and arduous process. It is expected that a Filipina will play hard-to-get when court because that is the norm. No matter how much she likes the man, she has to show utmost restraint and disinterest. Girls are made to believe that men will value them more if they are made to work hard before letting them have what they want. So after a long period of paninilbihan and a series of haranas, the girl can finally accept the suitor’s love. At this stage, the couple can now start dating in public but always in the company of a chaperon. The man will still continue to come to the house and help out. When the time comes when he feels he is ready to get married, he and his parent’s will have to come to the girl’s house and the parents of the boy will have to formally ask the hand of the hand of the girl in marriage to their son. This stage is called â€Å"Pamamanhikan† or â€Å"Paghingi ng Kamay†. In doing this, they will have to bring with them, lots of food and presents as well as the dowry that they can present to the girls parents. In the Philippines, dowry is given by the boy’s family, not by the girl’s family. This is because we give high value to the women in our society and giving them away is not easy. When the two families have come to an agreement as to the dowry, the wedding date is set, a ring is presented to the girl and the couple is said to be betrothed. A small feast is then held with the food brought by the boy’s family. MODERN Although a lot of our traditional wedding practice is still being observed these days there are modifications and â€Å"evolutions† that has been introduced to it that gives it a more modern version. Modern Filipino courtship revolves more on the liberalism of Filipino youth. If Filipinos of opposite sex were not allowed to mingle in public in the old days, these days that is already possible. These has allowed courtship to be a little more lenient on youngsters. You can now meet a girl you like through a common friend or on a party but never on a street as the same is still regarded as inappropriate. Most parents would still want their children to be courted inside the house though some modern and liberal-minded Filipinas don’t do this anymore and prefers to meet up somewhere else instead, a clear disregard of tradition and parental respect. Modern courtship does not really have a pattern. It could start from a group date where friends would pair friends up and tease them. Friends could play cupid and set a couple up and leave them on their own to talk then before you know it they are going out on a date. With the influence of western television, modern courtship these days are going fast although it doesn’t necessarily have the emotional baggage attached with immediately going to bed. It would take a lot longer time for Filipinos to trust each other to get to that point. It stems on the virtues rooted from the olden days. Modern Filipina ladies are also decisive on their choices. Those who do not really want their suitors would not hesitate on letting them know of this fact. A refused suitor is called â€Å"basted†. These modern Filipinas are only a tip of the iceberg as most Filipinas especially the ones in the province still adheres to the traditional way of courtship. Most families still observes the rituals connected to panliligaw, pamamanhikan or paghingi ng kamay, dowry etc. Gone were the days of paninilbihan and haranas. These days, it is enough that a man shows up in a lady’s house and bonds with the woman’s family. He is not expected to chop wood or fetch water but at least show the girl’s family that he is worthy enough of her love. It is important though to note whether it be traditional or modern, to show your sincere intention of courting by introducing yourself to the family and impressing the girls family in any way that you can. ONLINE We know how hard it is to try and court a Filipina online, believe use, we’ve been there. Here are some helpful tips to go through with it: 1. Try to be as gentleman as possible. A Filipino male sets his best foot forward in courting a girl. That’s how the game is played. 2. Keep communication lines open. Filipinas love to talk on email, on skype, etc. They just want to feel and hear you love them all the time. This is their way of bridging the distance. Filipinas have a lot of insecurities, if you forget to call them they will immediately feel bad or suspicious you’re up to something. That’s true to most Pinays. Constant communication helps. 3. Filipinas love surprises 4. Make good all of your promises. When you say you are coming on a certain date make sure you come on that date. Sincerity to Filipinos is measured not by saying what is right but by doing what is right. http://www. western-asian. com/index. php/archives/30

China Insurance Market Outlook to 2016 – Driven by Automobile Insurance Market

1  © This is a licensed product of Ken Research and should not be copied TABLE OF CONTENTS 1. 1. 1. 1. 2. 1. 3. Asia-Pacific Insurance Industry Industry Introduction Asia-Pacific Insurance Market Size by Direct Written Premium, 2005-2012P Asia-Pacific Insurance Market Segmentation 1. 3. 1. By Geography, 2005-2012P 1. 3. 2. By Life and Non Life, 2005-2012P 1. 4. Asia-Pacific Insurance Industry Future Outlook 1. 4. 1. By Geography, 2013-2016 3. 3. 1. 3. 2. 4. 5. 5. 1. 5. 2. 5. 3. 5. 4. 6. 6. 1. 7. 7. 1.China Insurance Industry China Insurance Value Chain China Insurance Market Size by Direct Written Premium, 2005-2012 China Insurance Government Regulations China Life Insurance Market China Life Insurance Market Size, 2005-2012 China Life insurance Claim Paid, 2005-2012 Market Share of Major Life Insurers in China, 2012 China Life Insurance Market Future Outlook and Projection, 2013-2016 China Non-Life Insurance Market China Non-Life Insurance Market Size, 2005-2012 Non-Life Insurance Segmentation, 2005-2012 China Property and Casualty Insurance Industry 7. 1. 1. China Property and Casualty Insurance Market Size, 2005-2012 7. . 2. China Property and Casualty insurance Claim Paid, 2005-2012 7. 1. 3. Property and Casualty Insurance Segmentation, 2005-2012 7. 1. 4. Market Share of Major Property and Casualty Insurers in China, 2012 2  © This is a licensed product of Ken Research and should not be copied 7. 1. 5. China Property and Casualty Insurance Market Future Outlook and Projection, 20132016 7. 2. China Motor Insurance Industry 7. 2. 1. China Motor Insurance Market Size, 2005-2012 7. 2. 2. China Motor Insurance Market Future Outlook and Projection, 2013-2016 7. 3. China Commercial Property Insurance Industry 7. 3. 1.China Commercial Property Insurance Market Size, 2005-2012 7. 3. 2. China Commercial Property Insurance Market Future Outlook and Projection, 2013-2016 7. 4. China Agricultural Insurance Industry 7. 4. 1. China Agricultural Insurance Market Size, 2005-2012 7. 4. 2. China Agricultural Insurance Market Future Outlook and Projection, 2013-2016 7. 5. China Liability Insurance Industry 7. 5. 1. China Liability Insurance Market Size, 2005-2012 7. 5. 2. China Liability Insurance Market Future Outlook and Projection, 2013-2016 7. 6. China Credit Insurance Industry 7. 6. 1. China Credit Insurance Market Size, 2005-2012 7. 6. 2.China Credit Insurance Market Future Outlook and Projection, 2013-2016 7. 7. China Accident Insurance Industry 7. 7. 1. China Accident Insurance Market Size, 2005-2012 7. 7. 2. China Accident Insurance Market Future Outlook and Projection, 2013-2016 7. 8. China Cargo Insurance Industry 7. 8. 1. China Cargo Insurance Market Size, 2005-2012 7. 8. 2. China Cargo Insurance Market Future Outlook and Projection, 2013-2016 7. 9. China Health Insurance Industry 7. 9. 1. China Health Insurance Market Size, 2005-2012 7. 9. 2. China Health insurance Claim Paid, 2005-2012 3  © This is a licensed product of Ken Research a nd should not be copied . 9. 3. China Health Insurance Market Future Outlook and Projection, 2013-2016 7. 10. Market Share of Major Non Life Insurers in China, 2011 7. 11. China Non-Life Insurance Market Future Outlook and Projection, 2013-2016 8. 9. China Insurance Industry Trends and Developments China Insurance Industry Future Projections, 2013-2016 9. 1. Cause and Effect Relationship Between Dependent and Independent Factors Prevailing in China Insurance Market 10. Company Profile of Major Players in China Life Insurance Industry 10. 1. China Life Insurance 10. 1. 1. Company Profile 10. 1. 2. Business Strategies 10. 1. 3.Financial Performance 10. 2. Ping An Life Insurance 10. 2. 1. Company Profile 10. 2. 2. Business Strategies 10. 2. 3. Financial Performance 10. 3. New China Life Insurance 10. 3. 1. Company Profile 10. 3. 2. Business Strategies 10. 3. 3. Financial Performance 11. Company Profile of Major Players in China Non-Life Insurance Industry 11. 1. Public Insurance Compan y of China (PICC) 11. 1. 1. Company Profile 11. 1. 2. Business Strategies 11. 1. 3. Financial Performance 11. 2. China Pacific Insurance (CPIC) 4  © This is a licensed product of Ken Research and should not be copied 11. 2. 1. Company Profile 11. 2. 2.Business Strategies 11. 2. 3. Financial Performance 12. China Insurance Industry Macro-Economic Indicators: Historical and Projections 12. 1. China Population, 2005-2016 12. 2. GDP of China, 2005-2016 12. 3. Healthcare Expenditure of China, 2005-2016 12. 4. Total Vehicle in Use in China, 2007-2016 13. Appendix 13. 1. Market Definitions 13. 2. Abbreviations 13. 3. Research Methodology Data Collection Methods Approach Variables (Dependent and Independent) Multi Factor Based Sensitivity Model Final Conclusion 13. 4. Disclaimer 5  © This is a licensed product of Ken Research and should not be copied LIST OF FIGURESFigure 1: Asia-Pacific Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012P Figure 2: As ia-Pacific Insurance Market Segmentation by Life and non Life on the Basis of Direct Written Premium in Percentage, 2005-2012P Figure 3: Insurance Value Chain Figure 4: China Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 5: China Life Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 6: China Life Insurance Market Claim Paid on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 7: Market Share of Major Life Insurers on the Basis of Direct Written Premium in Percentage, 2012 Figure 8: China Life Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 9: China Non Life Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 10: China Non life Insurance Market Segmentation by Property and Casualty and Health Insurance on the Basis of Direct Written Premium in Percentage, 2005-2012 Figure 11: Chin a Property and Casualty Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 12: China Property and Casualty Insurance Market Claim Paid on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 13: China Property and Casualty Insurance Market Segmentation by Motor, Commercial Property, Agricultural, Liability, Credit, Accident, Cargo and Others Insurance on the Basis of Direct Written Premium in Percentage, 2005-2012 Figure 14: Market Share of Major Property and Casualty Insurers on the Basis of Direct Written Premium in Percentage, 2012 Figure 15: China Property and Casualty Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 6  © This is a licensed product of Ken Research and should not be copied Figure 16: China Motor Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 17: China Motor Insurance Market Projections on the Basis of Direct Writ ten Premium in USD Million, 2013-2016 Figure 18: China Commercial Property Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 19: China Commercial Property Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013 -2016 Figure 20: China Agricultural Insurance MarketSize on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 21: China Agricultural Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 22: China Liability Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 23: China Liability Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 24: China Credit Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 25: China Credit Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 26: China Accident Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 27: China Accident Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 28: China Cargo Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 29: China Cargo Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 30: China Health Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 7  © This is a licensed product of Ken Research and should not be copiedFigure 31: China Health Insurance Market Claim Paid on the Basis of Direct Written Premium in USD Million, 2005-2012 Figure 32: China Health Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 33: Market Share of Major Non Life Insurers on the Basis of Direct Written Premium in Percentage, 2011 Figure 34: China Non life Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 35: China Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 Figure 36: China Life Insurance Net Written Premium of China Life Insurance Company in USD Million, 2006-2012 Figure 37: China Life Insurance Premium Income of Ping An Life Insurance in USD Million, 2008-2012 Figure 38: China Life Insurance Premium Income of New China Life Insurance in USD Million, 2006-2012 Figure 39: China Life Insurance Premium Income of Public Insurance Company of China in USD Million, 2005-2011 Figure 40: China Life Insurance Gross Written Premium of China Pacific Insurance in USD Million, 2008-2011 Figure 41: China Population in Million, 2005-2016 Figure 42: GDP of China in USD Million, 2005-2016 Figure 43: Healthcare Expenditure of China in USD Million, 2005-2016 Figure 44: Total Vehicle in Use in China in Million, 2007-2016 8  © This i s a licensed product of Ken Research and should not be copied LIST OF TABLESTable 1: Asia-Pacific Insurance Market Segmentation by Countries on the Basis of Direct Written Premium in USD Billion, 2005 -2012P Table 2: Asia-Pacific Insurance Market Segmentation by Life and Non Life on the Basis of Direct Written Premium in USD Billion, 2005 -2012P Table 3: Asia-Pacific Insurance Market Projections by Countries on the Basis of Direct Written Premium in USD Million, 2013-2016 Table 4: Market Share of Major Life Insurers on the Basis of Direct Written Premium in USD Million, 2012 Table 5: Market Share of Major Property and Casualty Insurers on the Basis of Direct Written Premium in USD Million, 2012 Table 6: Market Share of Major Non Life Insurers on the Basis of Direct Written Premium in USD Million, 2011 Table 7: Cause and Effect Relationship Analysis between Industry Factors and Expected Industry Prospects of China Insurance Market Table 8: Correlation Matrix of China Insurance Indust ry Table 9: Regression Coefficients Output of China Insurance Industry 9  © This is a licensed product of Ken Research and should not be copied ASIA-PACIFIC INSURANCE MARKET SIZE BY DIRECT WRITTEN PREMIUM, 2005-2012P The insurance market in Asia-Pacific region has grown remarkably over the past few years due to the growth in the emerging markets such as China, Japan, India, Australia, Taiwan and South Korea. The countries in the Asia-Pacific region are at different stages of economic development unlike the European countries and the US which has created significant opportunities for the insurers in the region in order to serve the financial needs of the customers.The market in the region has grown at a CAGR of 11. 9% from USD ~ million in 2005 to USD ~million in 2012†¦ Figure: Asia-Pacific Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012P 16,00,000. 0 14,00,000. 0 12,00,000. 0 USD Million 10,00,000. 0 8,00,000. 0 6,00,000. 0 4,00,000. 0 2 ,00,000. 0 0. 0 2005 2006 2007 2008 2009 2010 2011 2012P 10  © This is a licensed product of Ken Research and should not be copied ASIA-PACIFIC INSURANCE MARKET SEGMENTATION BY GEOGRAPHY, 2005-2012P Asia-Pacific insurance industry is majorly contributed by 6 major countries such as Japan, China, South Korea, Taiwan, India and Australia with the share of ~% in 2012.Japan insurance market is the second largest in the world with the contribution of more than ~% in 2012†¦. The China insurance industry is China insurance industry is one of one of the predominant markets in the insurance industry the predominant markets in the in the Asia-Pacific region with a contribution of ~% of the insurance industry in the AsiaPacific region with a contribution direct written premium in the region in 2012†¦ South Korea is the third largest market with a contribution of ~% in 2012. The country insurance sector is more complicated with limited growth opportunities in comparison with the gro wing market in the region such as China and India†¦ of ~% of the direct written premium in the region in 2012.Table: Asia-Pacific Insurance Market Segmentation by Countries on the Basis of Direct Written Premium in USD Billion, 2005-2012P Countries Japan China South Korea Taiwan India Australia Hong Kong Singapore Thailand Malaysia 2005 2006 2007 2008 2009 2010 2011 2012P 11  © This is a licensed product of Ken Research and should not be copied Indonesia New Zealand Philippines Vietnam Pakistan Kazakhstan Bangladesh Sri Lanka Total 12  © This is a licensed product of Ken Research and should not be copied CHINA INSURANCE INDUSTRY CHINA INSURANCE MARKET SIZE BY DIRECT WRITTEN PREMIUM, 2005-2012 The Chinese insurance industry has seen rapid expansion during 2005-2012 and will continue to see high growth rates in the next few years.The insurance market in the country has witnessed a compound annual growth rate of ~% in the last seven years and has recorded direct written premiu m of USD ~ million in 2012†¦ Figure: China Insurance Market Size on the Basis of Direct Written Premium in USD Million, 2005-2012 3,00,000. 0 2,50,000. 0 USD Million 2,00,000. 0 1,50,000. 0 1,00,000. 0 50,000. 0 0. 0 2005 2006 2007 2008 2009 2010 2011 2012 Note:Life Insurance is in Premium Income Non-Life Insurance is in Premium Income 13  © This is a licensed product of Ken Research and should not be copied CHINA LIFE INSURANCE MARKET CHINA LIFE INSURANCE CLAIM PAID, 2005-2012 China life insurance industry has paid a claim of USD 20,128. million in 2011 due to an occurrence of natural disaster in mainland China in the first half of 2011. China has been the world’s most existing marketplace for global insurers for a decade and it looks set to retain its status in the near future. The country life insurance industry has experienced an incline in claim paid from USD ~ million in 2010 to USD ~ million in 2011†¦. . Figure: China Life Insurance Market Claim Paid on the Basis of Direct Written Premium in USD Million, 2005-2012 25,000. 0 20,000. 0 USD Million 15,000. 0 10,000. 0 5,000. 0 0. 0 2005 2006 2007 2008 2009 2010 2011 2012 Note:Life Insurance is in Premium Income 14  © This is a licensed product of Ken Research and should not be copiedMARKET SHARE OF MAJOR LIFE INSURERS IN CHINA, 2012 China life insurance industry is a concentrated market with top five players contributing around ~% of the total life insurance direct written premium in 2012. China life is the leading player in China life insurance industry with the contribution of approximately ~% of the total direct written premium of the life insurance industry in China in 2012†¦. Figure 1: Market Share of Major Life Insurers on the Basis of Direct Written Premium in Percentage, 2012 China Life shares Ping An Life New China Life CPIC Life PICC Life Taikang TPL (Taiping Life) Sino Life Others Note: Life Insurance is in Premium IncomeTable: Market Share of Major Life Insurers on the Basis of Direct Written Premium in USD Million, 2012 Players China Life shares Ping An Life New China Life 2012 15  © This is a licensed product of Ken Research and should not be copied CPIC Life PICC Life Taikang TPL Sino Life Others Total Source: Insurance Association of China and Ken Research Note:Life Insurance is in Premium Income CHINA NON-LIFE INSURANCE MARKET NON-LIFE INSURANCE SEGMENTATION, 2005-2012 The country non life insurance market is dominated by property and casualty segment with the contribution of ~% in 2012†¦ The motor vehicle is the leading contributor in property and casualty segment China non life insurance market is dominated by property and with the share of around ~% in 2012.The motor vehicle casualty segment with the insurance is divided into two types such as compulsory contribution of ~% in 2012. liability and voluntary insurance. The second largest contributor in property and casualty segment is property with the share of approximately ~% in 201 2 followed by agricultural insurance with the share of ~% in 2012. The health insurance market contributes ~% of the non life insurance industry in China in 2012. The private health insurance coverage in the country has expanded and now it covers approximately ~% of China’s population. The health insurance coverage in the country has grown at an impressive rate of ~% annually over the past 10 years.The number of health insurance plan in the country has also increased from around ~ in 2008 to over ~ in 2011. 16  © This is a licensed product of Ken Research and should not be copied Figure 2: China Non life Insurance Market Segmentation by Property and Casualty and Health Insurance on the Basis of Direct Written Premium in Percentage, 2005-2012 100. 0% 90. 0% 80. 0% 70. 0% 60. 0% 50. 0% 40. 0% 30. 0% 20. 0% 10. 0% 0. 0% 2005 2006 Health Note:Non-Life Insurance is in Premium Income In Percentage % 2007 2008 2009 2010 2011 2012 Property and Casualty CHINA PROPERTY AND CASUALTY I NSURANCE INDUSTRY CHINA PROPERTY AND CASUALTY INSURANCE CLAIM PAID, 2005-2012The Chinese property and casualty insurance industry has paid USD ~ million claims in 2011 in which approximately USD ~ was paid in August 2011 which was recorded as the highest claim paid in the year†¦ In 2009, the combined ratio of property and casualty insurance industry has improved to ~% and this positive trend in the market is accelerated in 2010 and in the first half of 2011 in which the industry has recorded the combined ratio of ~% and ~% respectively for the top three insurers in the country which include PICC, Ping An Property and Casualty and CPIC Fiscal. 17  © This is a licensed product of Ken Research and should not be copied Figure: China Property and Casualty Insurance Market Claim Paid on the Basis of Direct Written Premium in USD Million, 2005-2012 50,000. 0 45,000. 0 40,000. USD Million 35,000. 0 30,000. 0 25,000. 0 20,000. 0 15,000. 0 10,000. 0 5,000. 0 0. 0 2005 2006 2007 2008 20 09 2010 2011 2012 Note:Property and Casualty Insurance is in Premium Income CHINA MOTOR INSURANCE INDUSTRY CHINA MOTOR INSURANCE MARKET FUTURE OUTLOOK AND PROJECTION, 2013-2016 †¦The country automobile insurance market is expected to earn direct written premium of USD ~ million in 2016 which is up from USD ~ million in 2011. This is due to an expected increase in the car ownership in the country as there are only 35 million cars for the population of ~ billion in 2011. 18  © This is a licensed product of Ken Research and should not be copiedFigure: China Motor Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 1,80,000. 0 1,60,000. 0 1,40,000. 0 USD Million 1,20,000. 0 1,00,000. 0 80,000. 0 60,000. 0 40,000. 0 20,000. 0 0. 0 2013 Note:Motor Insurance is in Premium Income 2014 2015 2016 19  © This is a licensed product of Ken Research and should not be copied ASIA-PACIFIC INSURANCE INDUSTRY FUTURE OUTLOOK †¦Overall, the market of the Asia-Pacific insurance is expected to grow at a CAGR of 11. 2% from 2013-2016. The market in the near future is expected to witness consolidation and higher competition level with the entrance of more global players in the market†¦ ASIA-PACIFIC INSURANCE INDUSTRY FUTURE PROJECTIONSBY GEOGRAPHY, 2013-2016 The Asia-Pacific Insurance industry is expected to grow at a CAGR of 11. 2% from 2013-2016 on account of rising population in the emerging market of Asia such as India and China. It is anticipated that the total direct written premium of the insurance products will increase to USD ~ million in 2016 from USD ~ million in 2012. Table: Asia-Pacific Insurance Market Projections by Countries on the Basis of Direct Written Premium in USD Million, 2013-2016 Countries Japan China South Korea Taiwan India Australia Hong Kong Singapore Thailand 2013 2014 2015 2016 20  © This is a licensed product of Ken Research and should not be copiedMalaysia Indonesia New Zealand Philippines Vietnam Pakistan Kazakhstan Bangladesh Sri Lanka Total CHINA INSURANCE INDUSTRY FUTURE PROJECTIONS, 2013-2016 In the base case scenario analysis the insurance industry in the country is expected to grow at a phenomenal rate of 17. 7% in the next four years and is predicted to record the direct written premium of USD ~ million in 2016†¦ The worst case scenario analysis assumes that the country insurance market is anticipated to grow at a marginal rate of 6. 9% from 2013-2016 in comparison to the historical years†¦ The best case scenario analysis predicts the remarkable growth of 28. 5% in the next five years.The country’s insurance market is expected to record direct written premium of USD ~ million by 2016. 21  © This is a licensed product of Ken Research and should not be copied Figure: China Insurance Market Projections on the Basis of Direct Written Premium in USD Million, 2013-2016 8,00,000. 0 7,00,000. 0 6,00,000. 0 USD Million 5,00,000. 0 4,00,000. 0 3,00,00 0. 0 2,00,000. 0 1,00,000. 0 0. 0 2013 Worst Case Note:Life Insurance is in Premium Income Non-Life Insurance is in Premium Income 2014 Base Case 2015 Best Case 2016 22  © This is a licensed product of Ken Research and should not be copied CAUSE AND EFFECT RELATIONSHIP BETWEEN DEPENDENT AND INDEPENDENT FACTORS PREVAILING IN CHINA INSURANCE MARKETTable: Cause and Effect Relationship Analysis between Industry Factors and Expected Industry Prospects of China Insurance Market Industry Factors Strict Government Regulations and Support Increasing Population Market Impact Comments ? Cause: ? Positive Effect: ? Cause: ? Effect: ? Cause: ? Effect: ? Cause: ? Positive Effect: ? Negative Effect: Increasing Consumer Spending Intensifying Competition DISCLAIMER No part of this manual or any material appearing may be reproduced, stored in or transmitted on any other Web site without written permission of Ken Research and any payments of a specified fee. Requests to republish any material may be sent to us. 23  © This is a licensed product of Ken Research and should not be copied