12 Things That Really Glow in the Dark

The War Of The Syrian Cities Of Aleppo And Damascus

In the spring of 2011 a series of protests in the Syrian cities of Aleppo and Damascus escalated into armed confrontations between protesters and Syrian Security Forces. By June 12th of the following year, the UN had declared Syria in a state of civil war. Since the announcement, over 191,000 men, woman, and children have been killed in the fighting. Syria has also seen a wave of violent crime and kidnapping since the start of the fighting. As the alarming death toll continues to rise, the world community franticly searches for a party on which to place the blame. With only a few exceptions, its eyes have fallen on the Assad government. The importance of the issue at hand (the allocation of blame) lies in its implications. The support of†¦show more content†¦By mid 2012 several high value Syrian government officials were assassinated, including a defense minister and army general, and Hisham Ikhtiyar, who was the acting the intelligence chief at the time. During 2013 rebel g roups, namely the FSA (Free Syrian Army), made major gains against government forces. One of the most notable being the seizure of Base 46, the largest military base near the Turkish border; from the armory rebels gained control of tanks, APCs, artillery cannons and more. While condemning the Syrian government on the world stage, countries such as The United States, Great Britain, France, Qatar, Saudi Arabia and even Israel have been lending continual support to rebel groups in terms of arms and intelligence. The continued military setbacks, combined with the foreign intervention, and heavy casualties put the Syrian army at a major disadvantage tactically. It is beyond a reasonable doubt that the Syrian Armed Forces, once considered one the strongest in the region, was on the verge of defeat. What began with civil disobedience, inspired by the uprisings in Tunisia and Egypt, quickly and bizarrely turned into a full-fledged war. From the very beginning of the conflict, the Syrian gov ernment claimed the existence of armed groups in the Syrian countryside, but with the media hype of the

Lending And Credit Offerings By Wells Fargo-Myassignmenthelp.Com

Question: Discuss About The Lending And Credit Offerings By Wells Fargo? Answer: Introduction Financial aspect is the most essential aspect of any individuals life. For managing the needs which provide a convenience to lifestyle aspects, light has been shed upon the lending and credit offerings by wells Fargo consumer banking service. This offering is categorised in various forms of credit and loan requirements for e.g. Credit against mortgage, home loans, providing credit limit through credit cards and loan against education etc. This bank helps in management the borrowing needs of various customers according to their capacity to repay. Since it is a risk taking activity to provide a loan, it is a prime responsibility for any banking industry to take care of the repaying capacity of the borrower which is judged by the credit score an individual has. Product Offering The offering to meet the borrowing needs of the customer focused is loans and credit product. This product deals with funding the requirement of the customer according to the nature of the need. These financial needs are in the form of home loans, Personal loan etc. For e.g. the customer for the personal needs, require to qualify the credit verification which is done on the basis of repaying any current debts and verifying the income of the customer. On the basis of online funding and application process, the loan is approved (Wells Fargo Works, 2016). The rate of the interest may vary with the term of the loan which may be in between the range of 12-60 months. For e.g. the personal loans may charge an interest rate of 12.99% if the term is for 5 years. The interest rate is lower if the life of the loan is short. The loans approved may be in between the range of $3000- $100000 depending upon the requirement and credibility of the customer. Consumer offering The product offering is under the category of Non store consumer lending which has seen a decrease recently. This is due to reason of offering risky loans to compete with the other banks which has led to losing money. The customer base for lending is entirely dependent upon the identifying how to treat the customers basis their age and income. A young age group belonging to middle class group would finance their needs through a short term loan while an old age group belonging to business class group would satisfy the need through a long and a large amount of loan. The marketing of lending loan services would be more accessible if the bank helps the customers to save tax. This is a way of relieving the customers from taxes up to an extent by bundling it with various loans approved. Development of New product Due to the decrease in the lending of loans experienced in the market, which is because of offering risky loans earlier to compete with other banks there is a need to re develop and simplify the process. The low and middle income group of people feel that the credit policy of the bank to be too tight. If the lending process includes the down payment to be low with introducing programs for assisting consumers with counselling their needs, then the inability to become eligible for loan amongst borrowers will become simple and convenient. Lifecycle of the product The offering which is proposed with a modification is in the stage of Introduction and release. This stage requires analysing the willingness of the customer to pay for the offering. An extensive research before testing it in the market before releasing it for distribution is important in this stage. The bank must ensure no loss to the credit and financial division if there is any disconnect with regards to the facts and figures regarding the hidden cost. The implications of this on the new marketing strategy could be the customer switching the bank with another competitor providing better service in loan offerings (Wells Fargo Works, 2017). Channels of Marketing Wells Fargo finds it efficient to use both direct and indirect channels of distribution in order to get the loans and credit offering in the market. Direct channel does not include middlemen and involves reaching directly to the customer. This is done by making the opportunities available to apply for loans online directly. However, Indirect has various services related to dealer, customer service, collections and recovery. Indirect channel enlists three distribution processes like customer to dealer involving completion of application for loan, reviewing credit score, signing contract basis of documents produced. Then, the dealer does management and financial reporting, booking the loan and processing the payment. Finally, Collections and recovery manage the recoveries of the loan disbursed in case of any delinquency (Wells Fargo Works, 2017). Marketing Strategy The bank chooses indirect channel because distributors are specialized in their marketing techniques in the competitive market. Alternatively, where the market coverage has to be limited then direct channel is used especially high income group of potential business class customers. The bank is targeting to simplify the lending process for making middle and low income groups eligible. These groups include youngsters who need loans for short term for small amounts. To get a complete control of the market indirect channel is used so that maximum coverage is attained quickly and in specialized way. Value chain The bank aims in establishment of relationship with its clients through providing direct loans or through indirect channels. Improved and quick loan processing through dealers with provision of good customer service helps in adding value to the lending process through dealers (Wells Fargo Dealer Services, 2017). Proper counselling for catering to individual needs and discounting activities bundled with tax reduction benefits help the middle income market to establish a sound customer- lender relationship. Alternatively, when it is a requirement for providing a value add service of privacy, anonymity and confidentiality concerns to business clients or HNIs then direct marketing plays a vital role. Strategy to price The price is a determining factor of finding the clients trust in the name of the bank. It is competitive pricing which helps the customer in choosing the bank for its loan needs. The bank follows an approach which is value based and customer perceived. Allowing the customers to finance their needs by adding a tax benefit through its software draws the clients to choose a loan in which interest rate might be not very low but the benefit to pay less on taxes is profitable both from a customer and banks perspective. In order to increase the banks profitability, the clients with a high loan amount with high rate of interest are eligible for in-house tax service software which is free of cost. They can easily manage their taxes from their home. They are trained and counselled by financial analyst to do their taxes efficiently. Value add services like these help to attract clients for large loans profitable both for the bank and the client. Conclusion The analysis of the banking institution is the competitive environment it survives in order to sustain amongst other banks. Wells Fargo is the largest banking institution in the US. It competes with big banks like bank of America. The changing perceptions of customers according to their needs are a big challenge to hold a good market share. This is determined by selecting the target market smartly so that services of the bank are customised with proper study of the segment targeted to be catered. Adding value to the product offering attracts more clients which in turn increases the banks revenue. References Wells Fargo Dealer Services (2017). Welcome to Wells Fargo Dealer Services. Retrieved from https://www.wellsfargodealerservices.com/default.asp?redirect=false Wells Fargo Works (2016). What steps to take before filing a credit application form. Retrieved from https://wellsfargoworks.com/business-credit-center/article/what-steps-to-take-before-filing-a-credit-application-form Wells Fargo Works (2017). Direct vs. indirect distribution channels. Retrieved from https://wellsfargoworks.com/marketing-center/article/direct-vs-indirect-distribution-channels Wells Fargo Works (2017). Understanding the life cycle of a project management or service. Retrieved from https://wellsfargoworks.com/marketing-center/article/understanding-the-life-cycle-of-a-product-or-service

Real Learning Takes Place Through Experiance free essay sample

â€Å"Not all learning takes place in the classroom. All knowledge should not obtain from class because subject only taught by a teacher. But some lessons, which are pertaining to life, only will demonstrate by personal experiences. Every person should be learning more from real life than class room. I think real life is the best example for learning and obtaining knowledge. This is supported by various reasons. Learning takes place not only in the classroom but also in our everyday lives. This is because to learn does not mean just to gain academic knowledge. Rather, learning refers to acquisition of any kind of knowledge that can give us instructions on how we should behave. Information that we get in the classroom is, without any doubt, useful and proven and it can broaden our mind. However, school years are relatively short in terms of a life span, and, therefore, there are a lot more things that can be attained outside classroom and that are equally valuable. We will write a custom essay sample on Real Learning Takes Place Through Experiance or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page First of all, Personal experience is essential for obtaining indelible knowledge. For instance, in an early age the teacher would teach about animals. Is it gives sufficient knowledge for children? No, it does not. When teachers will take them in to the zoo and explain about those animals, they never forget that information. This is one type of personal experience. Which knowledge have gotten by personal experience, it will be never loss. Second, the relationship among the people as well as friendship values is not taught by teachers in the classroom. Those relationships have known only by personal experience. Further, the young age person do not realise about money value. The same person should know about money value while he starts earning of money. Finally, sometimes a new technology and new things were discovered by personal experience but not classroom knowledge. For instance, today’s popular phone was discovered by Alexander graham bell. It was discovered by accidently but not part of an educational research. Today, various popular technologies and things also discovered from their real life. In conclusion, the illiterate persons also can maintain different business successfully using their personal life experience. Unfortunately, an erudite people also will fail in business because lake of experience. So I strongly believe that â€Å"Not all learning takes place in the classroom. Because, if we have only classroom knowledge; today, we do not have any TV, computers, and other technologies. We surely obtain more knowledge from personal life than classroom knowledge.

Common Graduate School Admissions Essay Topics

Common Graduate School Admissions Essay Topics Without a doubt, the admissions essay is the most challenging part of the  graduate school application.  Fortunately, many graduate programs provide some guidance by posting specific questions for applicants to answer. However, if you are still in need of ideas for an admissions essay, look no further. Composing the graduate admissions essay will never be easy but considering the range of topics ahead of time may help you in planning an effective essay that aids your graduate school application. Experience and Qualifications Academic Achievements: Discuss your academic background and achievements. Of which are you most proud?Research Experiences: Discuss your work in research as an undergraduate.Internships and Field Experience: Discuss your applied experiences in this field. How have these experiences shaped your career goals?Personal Experience and Philosophy: Write an autobiographical essay. Is there anything in your background that you think would be relevant to your application for admission to graduate school? Describe your life up to now: family, friends, home, school, work, and particularly those experiences most relevant to your interests in psychology. What is your approach to life?Strengths and Weaknesses:   Discuss your personal and academic skills. Identify your strengths and weaknesses. How will these contribute to your success as a graduate student and professional? How do you compensate for your weaknesses? Interests and Goals Immediate Objectives: Why do you plan to attend graduate school? Explain how you expect graduate school will contribute to your career goals. What do you plan to do with your degree?Career Plans: What are your long-term career goals? Where do you see yourself, career-wise, ten years after graduation?Academic Interests: What would you like to study? Describe your academic interests. What areas would you like to research?Match to Faculty: Explain how your research interests match those of the faculty. With whom would you like to work? Who would you choose as your  mentor? Essay Advice Most of your grad school applications will require similar essays, but you not should write a generic essay for all of the programs to which youre applying. Instead, tailor your essay to match each program. This is especially true when describing your research interests and their match to the training provided by the graduate program. Your goal is to show how your interests and abilities fit the program and faculty. Make it clear that you are invested in the program by identifying how your skills and interests match specific faculty in the program as well as the grad programs stated objectives.

The Reasoning of the Astrology Using Illumination Manuscript by Essay

The Reasoning of the Astrology Using Illumination Manuscript by Lumbourg Brothers - Essay Example People dealt mainly with the effects of Black deaths and Great Schism1. In spite of the new age problems, there was an evolution of new economic system. The thriving economies gave a leeway to the evolution of various cities, as well as, rural-urban migration. It is worthwhile noting that during the period, gothic art became the epitome of an inspiration to the art of Northern Europe, especially the illuminations and the exquisite combination of colors seen through stained glass. One of the most significant developments in French manuscripts was the new concept, as well as, the presentation of space. The pictures and images done by the then artists no longer flat as they were but have been developed into three dimensions. Many historians argue that the style could have been possible due to the contact with Italian artists and their humanism development. One of the main artists during the periods was the Lumbourg Brothers. The group expanded the illusionistic capabilities of illuminat ion. The paper will cover a detailed analysis of their work, as revealed in the Book of Hours for Jean, the Duke of Berry. The analysis will be based on irony and astrological reasoning as depicted in the book. It will also include the examples of the works of arts during the period. To begin with, the calendar pages are perhaps considered the most famous in the illuminated manuscript history. ... In the month of January, the relationship between Duke and that of the peasant people is evident. The Duke appears at the reception of the New Year, at court and is noted by the existing large halo behind him. The chamberlains stand in front of him and they usher the two people with the words, â€Å"approach† written on both sides behind him2. The large tapestry believed to be a scene from the Trojan War and the table full of rich foods displays the wealth that accompanies The picture depicts the feast of Epiphany that was celebrated in the hall of Hotel d’Grac’. In the middle of the picture, next to Jean De Berry is an inscription, Aproche’. The prince is accessible to all in this festive occasion. the Duke. In addition, each illustration in the artwork is accompanied with an appropriate hemisphere showing a solar chariot, the degrees and the signs of zodiac as well as the numbering of the days of the month. They also show martyrological letters represent ing lunar calendar. The subjects of the illustrations for the first four months of the calendar are as shown: January is regarded as the month of giving New Year’s gifts, although the custom has died out currently contrary to the Christian teachings on generosity and sharing. On this day, Jean Berry is seen on the right and he appears as he wears the brilliant blue robe. In the month of February, it is wintertime in a peasant village and farm inhabitants are portrayed in the pictures as they warm themselves around the fires, in the background daily lives. To them, life goes on as normal. They cut wood, take cattle to the market, and perform all other normal chores

Contract Law As the basis of Business Law Essay

Contract Law As the basis of Business Law - Essay Example law has made exceptions in the acceptance of an offer. Acceptance is the words, writing or conduct of the offeree that signifies consent to the agreement proposed by the offeror. When we view The Sale of Goods Act 1979 Part II S4-How a Contract is Made- and s (1), the statute states the spectrum of contract formulation. Additionally, we find the principle of acceptance by conduct when we view Brogden v. Metropolitan Railway Co. [1877] 2 App Cas 666. Adam and Mark entered into a simple contract, which can be oral, written or both. Simple contracts can be held valid in court. Particularly in a business transaction; the court makes the presumption that the parties did have the intent to become legally bound. Of course the presumption can be disputed by either party, however the disputed party must proved to the court that his intent was not to be legally bound. Failure to convince the court, the court will then decide the case by means of the relevant Presumption. I would advise Adam that he has in fact created a binding contract with Mark. We find auxiliary conversations in Rose v. Crompton Bros. (1925). concerning the talk of not having a written and signed contract was of itself a recognizable legally bindingagreement. The court concluded that contracts had been created, and the defendant in3 failing to execute them, were in breach of contract.... From this research, it is clear components 1-4 were inherent of the agreement and points 5-6 of the component list were not evident. Moreover, there was a legitimate offer made by Adam to Mark, to which they subsequently agreed verbally on price and terms of the contract. Albeit the communication of offer and acceptance were made verbally on the phone; the law has made exceptions in the acceptance of an offer. Acceptance is the words, writing or conduct of the offeree that signifies consent to the agreement proposed by the offeror. When we view The Sale of Goods Act 1979 Part II S4-How a Contract is Made- and s (1), the statute states the spectrum of contract formulation. Adam and Mark entered into a simple contract, which can be oral, written or both. Simple contracts can be held valid in court. Particularly in a business transaction; the court makes the presumption that the parties did have the intent to become legally bound. In conclusion, of course, the presumption can be dispute d by either party, however, the disputed party must prove to the court that his intent was not to be legally bound. Failure to convince the court, the court will then decide the case by means of the relevant Presumption. In S (4) s (a) of the Unfair Contract Terms Act of 1977 states that only to business liability, that is liability for breach of obligations of duties arising from things done or to be done by a person in the course of a business (whether his own business or another’s).