Financial Security in a Persons Retirement Term Paper

Financial Security in a Persons Retirement - Term Paper Example In order to have financial security in our retirement, we need to start saving, keep saving and also stick to our goals. We need to make saving for the retirement a priority. In order to stay focused, we need to know our retirement needs and save towards it. A good starting point is finding out our retirement benefits. Investing for retirement is vital in ensuring safe and enjoyable retirement. Due to uncertainty, the true quality of a person’s retirement actually depends on their planning and planning must begin somewhere (Berk & DeMarzo, 2014). To have a secure retirement one must understand all the necessary factors that are crucial in the realization of the set goal. In saving for retirement individuals must understand the time value of money concept because it influences any financial decision to be made. They need to start saving early enough to increase the worth of the money in the future. It is the idea that money available today is worth more than the same amount in future because of its potential earning capacity (Taillard, 2013). Because money earns interest, any amount of money is often worth more the sooner it is invested. The paper entails computation of the amount to be invested annually to earn $1,000,000 in 30 years and the amount earned at retirement. In addition, it discusses values such as time and the interest rate that can be changed to lower annual deposits while increasing benefits. Besides, it discusses asset allocation among three asset classes, stocks, bonds, and cash. It concludes by looking at the investment objective which in this case is capital appreciation. Further, it discusses investment constraints that affect my asset allocation. In solving the problem, I will use the money purchase method which takes into account annual deposits and actuarial factor that is based on annuity period (time horizon or age) (Berk & DeMarzo, 2014). This method takes into account the time value of money by using present value or ordinary annuityÃ'Ž

Disraelis policy during the Bulgarian Crisis of 1876 Essay Example for Free

Disraelis policy during the Bulgarian Crisis of 1876 Essay To what extent was Gladstones religion the driving force behind his attempt to sabotage Disraelis policy during the Bulgarian Crisis of 1876? Of all the Bulgarian atrocities perhaps the greatest1 was the label Disraeli ascribed to Gladstones 1876 pamphlet The Bulgarian Horrors and the Question of the East, which concentrated into a single utterance a profoundly excited public mood struggling for articulation.2 With the publication of this pamphlet, Gladstone effectively undermined Disraelis policy of unwavering support for the Turks in the face of the Bulgarian massacres, and emerged at the forefront of the Bulgarian Agitation. The popular pressure that ensued ultimately forced Disraeli to abandon any overt military support of the Ottoman Empire, and to declare neutrality in the issue. While the consequences of Gladstones action are known, his reasons for involving himself in the debate are questionable. Gladstones fervent religious beliefs could have provided the main impetus for his involvement, but other arguments, such as his intervention being an anti-Conservative political strategy, are perhaps more plausible given an examination of the evidence. In examining this issue, it is important to understand the depth of contempt that Gladstone and Disraeli held for each others foreign policy. It was not their principles that differed: both believed in a policy of non-intervention in European affairs except for in those that could impact British interests. However, their methods were entirely different. Disraeli believed very strongly in the ruling right and superiority of the established aristocracy in Britain, and this certainly transferred across to his foreign policy, as illustrated by his endorsement of Austrian aristocratic Habsburg rule in Italy in 1851. He felt that Britain had a duty to Europe as the wealthiest and most powerful Empire, and that this would best be served by preserving British influence and furthering the spread of the British Empire. Gladstone also wished to preserve British interests, but often found this to conflict with his nationalism, sympathy with the unalienable rights of smaller nations to their nationhood3. In terms of Italy, therefore, Gladstone could not support Austrian rule because it contravened his nationalistic beliefs, despite the fact that Habsburg domination could have proved more beneficial to Britain. This is mirrored in his stance in the arbitration of the Alabama settlement: Gladstone appeared to capitulate to American demands as opposed to supporting British interests, as he believed that it was the most moral course of action. It was from these differences that the deep opposition to each others foreign policy was born. Disraeli saw Gladstones policy as counter-productive in terms of British interests, accusing him of wanting to dismantle the Empire, while Gladstone found Disraeli to be far too much of an imperialist and insensitive to the rights of foreign nations. Disraeli not only poured scorn on Gladstones foreign affairs, but also disliked his dogmatic religion. It is possible that the modern focus on Gladstone as a highly religious politician was brought about by Disraelis very public attacks on his fervent religious beliefs. Disraeli held nothing but scorn for Gladstones religion, and talked with disdain of him always preaching, praying, speechifying or scribbling4. For Disraeli, Gladstone used his religion to mask his true intentions to appear pious while actually manipulating and manoeuvring his way through politics. Perhaps it is Disraelis emphasis on ridiculing Gladstones religious beliefs that has inspired the concept that he was first and foremost a highly religious man. However, the general consensus is that Gladstones Evangelical upbringing led to a strong sense of religious morality that could be said to have permeated all aspects of his life, including his politics. In modern Britain it would rarely be expected for a Prime Minister to admit to religion colouring their policies: as Alastair Campbell famously declared, we dont do God. Blairs revelation that he ultimately looked to religion for his decision in declaring war on Iraq was frowned upon by many who felt that personal beliefs and convictions should not have an impact on decisions that will affect whole countries. However, in the far more religious Britain of 1876 this was not so controversial. Religious issues permeated every aspect of life, including law and politics. The attitudes of the day are clearly demonstrated in the Bradlaugh Case, in which confirmed atheist and elected MP for Northampton Charles Bradlaugh was barred from taking up his parliamentary seat because of his refusal to take the religious Oath of Allegiance required for entry. This issue was disputed regularly in parliament, showing the height of religious feeling of the time. Gladstone in particular made no secret of his religion, or of his beliefs that it was entirely applicable to politics. In his book The State in its Relations to the Church (1838), Gladstone raised the idea that religion and politics were inextricably linked: the Church was the conscience of the State, while the State had a duty to lend its consistent, unwavering support to the Anglican Church. Although his views later changed to reject the exclusivity of the Church of England, throughout his life he retained the belief that religion should be firmly ingrained in the running of the country. Gladstones beliefs caused him to take an ethical stance in foreign policy, which contrasted greatly with Disraelis firmly imperialist Beaconsfieldism that attempted to secure the best outcome for Britain, sentiments that prefigured the practical criticism of mixing religion and politics today. Disraeli and Gladstone held the greatest of contempt for each other in their foreign affairs, each believing the others policy to be entirely nonsensical and unworkable, attitudes that stemmed from their differing interests. While Disraeli held British interests at heart, Gladstone had a catholic largeness of vision and sympathy embracing Europe as a cultural and spiritual community5 stemming from his views on the unity of the Christian church, and believed that European affairs should be conducted with the best interests of the community at heart. Although Disraeli felt that it was necessary to support the Turks despite their actions in Bulgaria in order to deter Russia from gaining power on territory on the pretext of moral intervention, Gladstone would have found this inexcusable according to his personal moral code and European sense, principally derived from the intense fervour of his Christianity6: as Magnus perceptively states, Gladstone felt that Disraelis interpretation of [British] interests excluded considerations of justice, or of humanity7. It was not only Gladstones European sense that would have rendered support of the Turks inexcusable, but the very nature of the events taking place in Bulgaria. Gladstone consistently cast himself as a moral crusader in his policies, particularly regarding Ireland and in his opposition and criticisms of Beaconsfieldism. Following the brutal massacre of 15,000 Bulgarians, Jenkins argument that the moral Gladstone was spontaneously seized with a passionate sympathy for the sufferings of the Balkan Christian communities8 seems plausible. Gladstone would most likely have been incensed by Disraelis initial denial of the rumours of the massacres, already believing Disraelis foreign policy to be aggressive, expensive and unprincipled. However, Abbot refutes Jenkins claims in stating that the part playedby Gladstones high moral principles has tended to be exaggerated9, and states that the vast majority of his moral outbursts in terms of foreign policy were made when he was in opposition. As a moral stance in foreign policy was a common one for the opposition to take at the time, this indicates that Gladstones intervention was possibly not entirely fuelled by religion. Gladstones role as a cabinet minister during the Crimean War could have provided another factor in his intervention. The Treaty of Paris that brought the war to a close increased the necessity for co-operation within the concert of Europe, as it had substituted a European conscience expressed by the collective guarantee and concerted action of the European powers10 for a pre-Crimean war guarantee of the protection of Christian minorities by the Russians. Turkey had promised better treatment for the Christians of the Ottoman Empire, and Gladstone felt morally obliged to ensure that the terms of the Treaty were not breached, particularly with reference to the protection of the Balkan Christians. Following Russias breach of the Black Sea clauses in 1870, Gladstone was even more determined to ensure that the European Concert continued to function in its protection of the minorities. It seems unlikely that Gladstone wanted to preserve the terms of the Treaty of Paris for purely political reasons, as the maintenance of the balance of power within Europe required Russia to be contained, not encouraged to expand into the Balkans supposedly in order to protect the inhabitants. It is possible then that Gladstone intervened for the same reason as the Russians gave: in order to protect the Christians from an alien nation with an alien religion that mistreated them. A sample from his pamphlet gives a clear indication of his attitude towards the Turks Their Zaptiehs and their Mudirs, their Bimbashis and their Yuzbashis, their Kaimakams and their Pashas, one and all, bag and baggage, shall I hope clear out from the province they have desolated and profaned11. While this has racist overtones, it is difficult to determine whether this is due to a difference in religion. Jenkins raises the possibility that Gladstone could have felt sympathetic towards the Christians, but quashes it with the statement that Gladstone was stronger on the rhetoric of indignation than on detailed knowledge of what was happening in the Balkans12, never having visited the area or displayed any previous interest in it. Indeed, on the subject of previous massacres of Christians, Gladstone had remained suspiciously quiet, despite episodes like the massacre of the Maronite Christians in 1860 which left between 7,000 and 11,000 dead. It seems unlikely that a wild desire to protect those of the same religion only appeared during this particular occurrence, particularly as Gladstone failed to intervene when the news of the massacres initially broke, waiting another two months to bring himself into the limelight. Although Feuchtwanger claims that Gladstones life in politics was a constant quest for God13, the historians emphasis on Gladstone as a singularly moral, religious politician is overly simplistic, and does not take into account Gladstones practical, political nature. There is an obvious practical angle for Gladstones participation in the Bulgarian Agitation: propping up a declining Ottoman Empire was not a viable long term policy for Britain. The tradition of Palmerstonian foreign policy supported Turkish rule in the East, partially in order to maintain a balance of power in Europe, but mostly as a matter of self-interest: in order to protect trade routes in the Mediterranean. Particularly following the Crimean War, the expansion of a hostile Russia would have been detrimental to British trade and to British power and influence within Europe. In the short term a strong Turkey would act as an efficient barrier to Russian expansion, but the Ottoman Empire had become increasingly corrup t and weak; the Bulgarian uprising and subsequent massacre was not the only such occurrence. Moreover, overtly supporting the Ottomans would anger the Dreikaiserbund of Germany, Austria-Hungary and Russia: although it was best not to allow the alliance of these three countries to grow too powerful, neither was it sensible to pursue a policy of mindless support for the Turks whose influence was already declining. Prior to the confirmation of the truth of the massacres, Disraeli, advised by the pro-Turkish British ambassador Elliot, had made moves towards supporting the Turks against Russia, and even went so far as to dismiss the rumours of the massacres as coffee house babble. In sabotaging Disraelis policy by stirring up public opinion, Gladstone effectively limited the options open to the prime minister and possibly prevented him from forming a dangerous alliance with Turkey. Furthermore, it has been suggested that Gladstone in fact saw a better solution to the problem of Russian expansion than bolstering Turkey. From his attitudes towards Italy it is clear that Gladstone favoured nationalism, and believed that all people had the right to national self-determination. Blake claims that Gladstone was hostile to any sort of forward policy14, an unnecessarily harsh statement from the pro-Disraeli biographer: in fact, in supporting nationalism, Gladstone proposed a solution ahead of his time. The creation of Balkan states was the solution used in 1935 to contain Russia, but it would have been equally applicable here. It could be argued that Gladstone was contradicting Disraelis policy because he could see a flaw in the reasoning. It is evident from his pamphlet that he wanted the Turks removed from Bulgaria, but further to this, Magnus claims that he repeatedly urged that the matter should be taken out of Russian hands15 and that this was a solution more realistic16 than Disraelis. Ever politically expedient, Gladstone intended to attack British support of the Turks as well as advocating Russian containment, reasserting the balance of power in Europe. Of course, it is entirely possible that Gladstone was simply launching a direct attack on the policies of the government without any real moral or religious reasoning. A response not born out of righteous indignation or passionate sympathy for the suffering of the Bulgarians but of an attempt to make the government appear weak or badly led would explain his delay in joining the Agitation. Gladstones particular rivalry with Disraeli would have provided motive enough for such an attack: the two men held the greatest contempt for each other, stemming from the repeal of the Corn Laws and the split of the Conservative party in 1846. Although their practical aims were often remarkably similar in foreign affairs, their ideologies differed vastly and each held the others principles in utter contempt. It would not be beyond the bounds of rational thought to assume that in sabotaging Disraelis policy the only thing that Gladstone intended to do was to make him look like a fool. It could be argued that even in this there was a religious motivation. Disraelis Jewish background has led to the suggestion that his anti-Russian foreign policy had more to do with anti-Christian feeling. Feuchtwanger claims that Gladstone was aware of this and distrusted Disraeli for it: all his deep suspicions about Disraeli were aroused; he now even suspected him of being influenced by Judaic sympathy for the Turks and hatred of Christians17, although Blake dismisses such suspicions as absurd18. At a stretch, the poor relationship of the two politicians could also be said to have its roots in their differing religious views. Gladstone may have resented Disraelis conversion from Judaism to Christianity, which could be interpreted as only having been undertaken for social gain and not true faith. Shannon suggests that Gladstones return to the political arena could have been for selfish reasons; that he wanted to restore his bond of moral rapport with the masses19 and adds that it was less a case of Gladstone exciting popular pressure than popular pressure exciting Gladstone20: rather than Gladstone carefully crafting his attack on Disraeli, he merely saw an opportunity to join the virtuous passion21 sweeping the nation and manipulate it to his advantage. Again, this would explain the delay between the beginning of the Agitation and Gladstones involvement. His action in publishing the pamphlet drew him back to the forefront of political life, and his continuing focus on the Midlothian campaign throughout the next four years was an important factor in ensuring his re-election as Prime Minister in 1880. Many historians agree with Shannons interpretation that Gladstone wanted to reforge his links with.mass audiences22, but disagree on the reasoning for this. Shannon and Blake are both of the opinion the Gladstone simply seized upon the opportunity to take part ina moral crusade23 in an attempt to inject himself back into the contemporary political field. Although the consequences of his action suggest that this is a realistic motive, and that he could have chosen to speak out against Disraeli to ensure his own self-advancement, this does seem unlikely considering Gladstones character; Blakes portrayal of Gladstone is excessively negative, probably due to his pro-Disraeli sentiments. The perhaps more reliable Jenkins contradicts these claims of intervention for self-advancement, as It did not follow that what he did was contrived for his own convenience24 and claiming that he was driven on Bulgaria by the same sort of elemental force which had seized him at the time of his Neapolitan pamphlets25. This is a far more accurate judgement given the evidence: Gladstone constantly looked to his moral principles in seeking to do what was best for Britain and for Europe, and it seems unlikely that he would have stirred up such a commotion merely to return himself to the forefront of political affairs. Shannon states that Gladstones first love had been the Church, and to the Church he remained ever faithful26, but despite the politicians overt Christianity historians are unable to agree on the extent to which his religion impacted his policies. In terms of his reaction to the Bulgarian Atrocities alone, numerous theories have been put forward as to the cause: his animosity towards Disraeli, his strong belief in nationalism, a wish to unite with the masses protesting a cause. Although these theories are superficially disparate, a closer examination reveals that they are all underpinned by Gladstones strong sense of morality. This morality caused him to reject Disraelis policies as unprincipled, to campaign for the creation of the Balkan states and to view Europe as a spiritual community that Britain had an obligation to protect and preserve. Ultimately, Gladstones politics were motivated by morality; a morality derived from his fundamental, unwavering religious beliefs. 1 Blake, R., Disraeli, St. Martins, 1967, p.602 2 Shannon, R.T., Gladstone and the Bulgarian Agitation 1876, Nelson, 1963, p.110 3 Abbot, B.H., Gladstone and Disraeli, Collins, 1986, p.95 4 5 Shannon, R.T., Gladstone and the Bulgarian Agitation 1876, Nelson, 1963, p.4 6 Shannon, R.T., Gladstone and the Bulgarian Agitation 1876, Nelson, 1963, p.5 7 Magnus, P., Gladstone, Penguin Books, 2001, p.240 8 Jenkins, R., Gladstone, Macmillan, 2002, p.401 9 Abbot, B.H., Gladstone and Disraeli, Collins, 1986, p.22 10 Magnus, P., Gladstone, Penguin Books, 2001, p.239 11 Feuchtwanger, E.J., Gladstone, British Political Biography, 1975, p.183 12 Jenkins, R., Gladstone, Macmillan, 2002, p.404 13 Feuchtwanger, E.J., Gladstone, British Political Biography, 1975, p.13 14 Blake, R., Disraeli, St Martins, 1967, p.760 15 Magnus, P., Gladstone, Penguin Books, 2002, p.241 16 Ibid. 17 Feuchtwanger, E.J., Gladstone, British Political Biography, 1975, p.181 18 Blake, R., Disraeli, St Martins, 1967, p.600 19 Shannon, R.T., Gladstone and the Bulgarian Agitation, 1876, Nelson, 1963, p.13 20 Ibid. p.110 21 Ibid. p.107 22 Jenkins, R., Gladstone, Macmillan, 2002, p.406 23 Blake, R., Disraeli, St Martins, 1967, p.600 24 Jenkins, R., Gladstone, Macmillan, 2002, p.401 25 loc. cit. 26 Shannon, R.T., Gladstone and the Bulgarian Agitation 1876, Nelson, 1963, p.3

A marketing report and analysis of Nestle

A marketing report and analysis of Nestle Nestle is the leader in food and beverage industry with wide range of products which accompany consumers live from birth through adulthooh, from breakfast to dinner, at home and elsewhere. This, day by day, represents them as a great responsibility and commitment to quality, taste and nutrion across all their products, to touch lives in a positive way and earn customers trust. They have joined into nutrion, health and wellness strategy with three fundamental beliefs: Pleasure and health: Nutrion have great taste if it is a part of healthy balanced diet. Eating with moderation and balance: Nestles products are designed to a variety of choices for every moment of the day and for all company members. Transparent communication: Transparent is the best way to win customers trust. All ingredients used to produce Nestles products are included on the label. With long term commitment is to enable customer an informed choices about diets and lifestyle, helping them care for themselves and their families, Nestle is really a leader in nutrion, health and wellness area. Business generates the most revenue Nutrion, Health and Wellness generates the most revenue for Nestle. In the recent year 2010, Nutrion, Health and Wellness confirms Nestles strategic direction, with main products is Food and Beverages creat 103.722 CHF millions in revenue equal to 94.53% in Total Revenue. Nestle, 2011, Strong 2010 performance press release, http://www.nestle.com/Common/ NestleDocuments/Documents/Library/Events/2010-full-year-results/Press_Release_EN.pdf Nutrion, Health and Wellness market, which is 100 percent right as determining from Nestles Board of Management in 2007, is a massive market for growing. Over 5 year operating, the industry keep fastest growing rate and contribute most revenue for corporate. This industry has been opened for Nestle S.A in 2007 by Brabeck Letmathe Nestle Groups Chairman when he produce Nestle Roadmap a strategy to transform corperate from traditional business into Nutrion, Health and Wellness with slogan Good Food, Good Life . Business generates the most profit Nutrion, Health and Wellness is the area that brings in for corporation the most profit. In 2010, with EBIT rate of 13.4% equal to 13.898 CHF millions, Food and Beverages main range of products in Nutrion, Health and Wellness area creats main income in total for corperation. Nestle, 2011, Strong 2010 performance press release, http://www.nestle.com/Common/ NestleDocuments/Documents/Library/Events/2010-full-year-results/Press_Release_EN.pdf Business will drive grow in the next decade These are 4 areas provide Nestle exciting prospect for continuos growing in the next decade: Nutrition, Health and Wellness Emerging markets and PPP Out-of-home leadership Premiumisation Nestles Successful Transformation from traditional business into a nutrion, health and wellness company, that brings them to No.2 player all over the world. Efficiently investing in value-added category. Stronger finance and credit. Flexible reaction to changing in strict health care standard and unfair competing. Their global strategy and local execution help them reach almost targets in recent years. Corperate Responsibility. In recent years, to become a successful corperation nowadays, these are their vital programs, which have contributed not only for society but also for themself as listed: Essential Program Context Action Achievement Rural Development Creat positive impact on argriculture area (provide local employment, technical transforming), and evironmental development Provide 200.000 local employments For Nestle: profitable growth, better quality in raw material, raw material supplying guarantee Improve standard of living, increase productivity in rural and economic in general In 2009, they provided microfinance in amount of CHF 48 millions For Customer: more qualified and healthier products for consumer Minimize impact of climate change and sometime is social issues For Society: higher quality for crop, more technical assistance, developping employment and environment, lower natural resources use, larger in yield help lower producing cost. Creating for themsef a stable, protected and qualified raw material to guarantee shareholder value-added Technical assistance and knowledge transfer Water and environmental Sustainability Produce tasting products that also have more and more lower environmental footprint by improving operational efficiacy They have already invested over CHF 220 millions in sustainable programs during 2009 For Nestle: reduce risk concerning health care standard, reduce cost, creat long term availability of resources, profitable growth Reduce use of water, some non-renewable energy and resources with target to reduce CO2 emissing performance and other evironmental affects Launch more projects to reduce greenhouse affect, eliminate waste in operation For Society: better standard of living Promote with supplier to help them a sustainable practices in supply chain Human Resources Dovelopment Long term investment in training Offer more comprehensive training, more opportunities for career For Nestle: skilled workforce, improve performance Continuous improving environmental and occupational health and safety management For Society: more employment, better standard of living, higher worhplace safety standard. Global and diversify Corperation developing Improve health and safety performance Increase Nestles engagement, employee health and wellbeing, reduce accident in workplace Creating an ethical and responsible workplace Climate Change Solution Reinforce Nestles role and plan to reduce greenhouse gas emissions Directly controlling operation For Society: lower environment impact Improve through supply chain Helping Nestles consumer Crisis Management Food and beverage market is changing everyday, customers need put producers into circumstance that whether they adapt to new trend or left behind on the race with other competitors. Nestle is an outstanding example in transforming their traditional managing operation into Health, Nutrion and Wellness management with Roadmap to Good Food, Good Life a unique flexible strategy that brings them to number 2 largest company all over the world. In Management and Strategic segment, I am pleased to express: Strategy Nestle Roadmaps success and Nestles solution for Melamine incident in China. In the Crisis management, Melamine scandal in China is outstanding example. On March 15th,2008, Chinese authorities informed that their over 20 Chinese milk companies was launching products contained Melamine this toxic has caused at least 4 babiesdeath and other 1253 Chinese children have fallen ill. Suppliers have been believed to add Melamine to milk to make it higher in protein. There was some ranges of Hong Kong Nestles products using Chinese milk powder. Source: http://news.bbc.co.uk/2/hi/asia-pacific/7623037.stm After that, some press report in Hong Kong claimed a Nestle growing milk containing Melamine. Immediately, Hong Kong government requested Nestle to withdraw all their products that have been found to contain Melamine. The problem could have pushed them into a long-lasting downturn and other consequence concerning reputation. However, commented on this scandal, Peter Brabeck Letmathe Nestle Groups Chairman said: Sales in China are rather being favouredà ¢Ã¢â€š ¬Ã‚ ¦Its rather positive than negative ( Reporting by Devidutta Tripathy; editing by Sue Thomas ) Ref Reuters Sep 26th, 2008 http://www.reuters.com/article/2008/09/26/nestle-idUSDEL31014820080926 How did they react? Yes, it is fantastic that Nestle today, after 3 years from this scandal, did not failed and become the leader in food and beverage area, the number 2 largest corperation all over the world. The first step in chain of resolving incident was complying with authorities request in showing all ingredients and formular used to produce milk, they were also withdrawing some kinds of products in Hong Kong as authorities requests as in line with Nestles Corperate Business Principle. In the mean time, they sent their samples of milk to honour testing center like Hong Kong Standards and Testing Centre Ltd., Food Industry Research and Development in Taiwan, etc. This action was conducted at places where their products have presented. The third step, they announced governments reports and confirmation that their products have been 100 percent safe and exact with things printed on their products label. The final step in this chain, they have combine Research and Development department and Maeketing department in communication with consumer on their producing standards, products quality that 100 percent safe and good for health as confirm from authorities. With this action, they have been not only winning back customers belief on their products, but also underlining that Nestle is the No.1 food and beverage producer all over the world with best quality and healthy products, as their slogan Good Food, Good Life . This is really a key turning-point to help Nestle successful as today. Strategy Nestle Roadmap. Source: http://www.nestle.com/Common/NestleDocuments/Documents/About_Us/Nestle_Roadmap.pdf Nestles strategy is being considerred the leader in Nutrion, Health and Wellness, and reference for financial performance. That is combination between their opportunities competitive advantages, internal strength operational pillars, focused segment growth drivers. This is a simple but right-targetting product from Peter Brabeck Letmathe Nestle Groups Chairman. Three major elements in their strategy including: Internal strength Operational pillars: Innovation and renovation ( from active and creative workforce ) Wherever, whenever, however ( supplying capability ) Consumer communication ( one of RD activity ) Operational efficiency These areas will help accelerate Nestles operation in all key areas with excellent achievement in execution. Focused segment Growth drive: Nutrion, Health and Wellness Value-add ( a massive market for healthy product ) Emerging markets and popularly positioned products the lower end. ( in 2011, growth scenaro in emerging market is around 170 billions US dollars ) Out-of-home consumption Differentation Premiumsation the high end This areas provide exciting prospect for growing. Opportunities Competitive advantages: Unmatched product and brand portfolio Unmatched research and development capability Unmatched geographic presence People culture, values and attitude This competitive advantages come from the value chain over decades, the link between great products efficient RD, great people strong value, broad geographic entrepreneurial spirit. This combination day by day is creating Nestles motivation on the road to leader in Food, Health and Wellness. In general, Roadmap is created from the combination between competitive advantages and their own strength and a right targeting market. Roadmap is almost following three major steps in building strategy for corporate. Analysis: determining the current position ,situation, performance and aspirations of the organisation and its members. Herein, that is competitive advantages. It help them regconize potential opportunities, their right strength that would make drive growth for Nestle in the future. Choice: determining possible courses of action, their possible consequences, problems and difficulties, benefits and advantages. Decision making is the most important step in every company, a wrong choice means a foresee failure. On roadmap, that is drivegrowth, corperate has been right when they choose emerging markets and popularly positioned products to be their motivation in growing in the next strategic years. Implementation: committing the organisation to pursue one of the possible future courses of action. Herein, operation pillars is a group of process to implement a lack or a small failure in the overall strategy. Vision, Mission, Goal. Nestles Vision: By bringing together all of its global RD resources, Nestle is able to provide high quality, safe food solutions for consumers worldwide whether this is in terms of nutrion, health, wellness, taste, texture or convenience. Above all, Nestle brings to consumers products that are of the highest quality. And safety is non-negotiable. Werner Bauer, Chief Technology Officer, Nestle S.A. Innovation, Technology and Research Development Nestles Mission: Their mission is creating value for shareholder and society. CREAT SHARED VALUE Reduce Poverty + Improve Health + Empower People SUSTAINABILITY Protect the future COMPLIANCE Laws, Business Principles, Codes of conduct Nestles Goals: Being recognized the leader in Nutrion, Health Wellness, and the industry reference for financial performance. But how they have been motivating their employees over decades to be the leader. Performance Compliance All Nestles employees have a good knowledge that here or there, we must have responsibility for down performance in the organization. Company have a good reward and recognization tied to performance. Culture Building Sustaining a high performance environment. Maintaining and evolving Nestles culture based on their own principle. Source: Creating successful future Jan 2008 Comment.

God Exists :: Descartes Philosophy Religion Essays

God Exists The existence of God has been a question since the idea of God was conceived Descartes tries to prove God's existence, and to show that there is without a doubt something external to ones own existence. He is looking for a definite certainty, a foundation for which he can base all of his beliefs and know that they are true. Descartes' overall project is to find a definite certainty on which he can base all his knowledge and beliefs. Descartes attacks the principles that support everything he believes with his Method of Doubt. The Method of Doubt is Descartes' method of fundamental questioning in which he doubts everything that there is the slightest reason to doubt. Think about it like this. Almost everything you believe to be true comes from the senses or through the senses. However, the senses are sometimes deceptive. Since the senses are not completely trustworthy, it is irrational to place complete trust in them. However, it is no small leap of faith to presume that everything our senses tell us is false. In fact, it seems almost absurd to say such a thing. Nevertheless, as Descartes points out, we have dreams regularly and in these dreams, everything we experience is a figment of our imagination, or at least not real in the physical sense. So, it is reasonable to doubt everything our senses tell us, for the time being. Now, using similar logic, we can say that everything we have learned from physics, astron omy, medicine, and other such fields are all doubtful. Descartes even believed we could say that such simple, logical statements as 2+3 = 5 or a square has 4 sides could be conceived to be false. "Since I judge that others sometimes make mistakes in matters that they believe they know most perfectly, may I not, in like fashion, be deceived every time I add two and three or count the sides of a square†¦" We are now at the point where we are doubting everything - the world around us, that we have a body, and anything else that we could possibly believe. Perhaps I even doubt that I exist myself. In doing this, I am in the act of doubting. How can I doubt something if I do not exist? Similarly, maybe I am deceived into thinking I do not exist by some other entity. Then I must exist for it is I who is being deceived.

Migrating to New Cities: Overcoming Challenges

It has been seen that a lot of people migrate to new cities or new countries these days. They may face a number of changes in their new life, including climatic change, changes in language and the way of eating food. This essay will give an overview of these changes and how to overcome these challenges. Firstly, we will consider the climatic change. Those who migrate to new countries, definitely experience sudden changes in the climate.For example, if a person, who travel to countries like United Kingdom, may feel extreme cold weather, because most western countries have cold climate. It will be very difficult for a migrant, if they had warm climate in their own country. This change in climate may create health problems like, cold, sinusitis and head ache. Secondly, language problem. When people migrate to new cities or countries, they may face language difficulties, especially, if their mother tongue is different from the new city or country.It will affect people, when they communic ate with others. Countries like India have 23 different languages in different states. So, when people move their houses to these cities they may find it very difficult to mingle with other people. Thirdly, changes in the way of eating food. People eat food in different ways in different countries. For example, in India, people use their right hand to eat their food. While in European countries people eat their food with knife and fork and spoon.Therefore, when people migrate to these countries, they may feel it very hard to adjust with the new style. However, we can overcome these changes, by wearing warm clothes like jackets, coats. It will help them to avoid cold. Also they can use heaters to warm up their rooms. Language difficulties may avoid by learning new languages, before migrates to new cities or countries. People could change their way of eating by practicing with cutleries. In summary, people experience a lot of changes, when they move their houses to a new place.

Learn ESL Through Movement

Learn ESL Through Movement If youve tried, and struggled, to learn English as a second language (ESL) the usual ways, its time to try it Dr. James Ashers way- through movement. With a student seated on each side of him, Asher demonstrates his technique by asking them to do what he does. Thats all. They dont repeat what he says, they just do what he does. Stand,  he says, and he stands. They stand. Walk, Asher says, and he walks. They walk. Turn. Sit. Point. Within minutes, he gives commands as complicated as, Walk to the chair and point at the table, and his students can do it by themselves. Heres the clincher. In his DVD, he demonstrates in Arabic, a language nobody in the room knows. In study after study, Asher has found that students of all ages can learn a new language quickly and stress-free in just 10-20 hours of silence. Students simply listen to a direction in the new language and do what the instructor does. Asher says, After understanding a huge chunk of the target language with TPR, students spontaneously begin to speak. At this point, students reverse roles with the instructor and utter directions to move their classmates and the instructor. Voila. Asher is the originator of the Total Physical Response approach to learning any language. His book, Learning Another Language Through Actions, is in its sixth edition. In it, Asher describes how he discovered the power of learning languages through physical movement, and the lengths to which he went to prove the technique through scientific experimentation involving the differences between the right and left brain. Ashers studies have proven that while the left brain puts up a fight against the memorization of new languages that occurs in so many classrooms, the right brain is completely open to responding to new commands, immediately. He is adamant about the need to comprehend a new language silently, by simply responding to it, before attempting to speak it, much like a new child imitates his or her parents before beginning to make sounds. While the book is on the academic side, and a little dry, it includes Ashers fascinating research, a lengthy and comprehensive QA that covers questions from both teachers and students, a directory of TPR presenters around the world, comparisons to other techniques, and get this, 53 lesson plans. Thats right- 53! He walks you through how to teach TPR in 53 specific sessions. Can learning take place if the students remain in their seats? Yes. Sky Oaks Productions, publisher of Ashers work, sells wonderful full-color kits of different settings such as home, airport, hospital, supermarket, and playground. Think Colorforms. Remember the pliable plastic forms that stick on a board and easily peel off to move? Responding to imperatives with these kits has the same result as physically moving. Asher also shares samples of mail he has received from people around the world. One of his letters is from Jim Baird, who writes that his classroom has wall-to-wall white boards on which he has created communities and complete countries. Baird writes: Students are required to drive, walk (with their fingers), fly, hop, run, etc. between buildings or cities, pick up things or people and deliver them to other places. They can fly into an airport and rent a car and drive it to another city where they can catch a flight or a boat, all kinds of possibilities. Sure is fun! Asher is generous with the materials and information he provides on his Sky Oaks Productions website, known as TPR World. He is clearly passionate about his work, and its easy to see why.

101 Intro to Solution Argument Professor Ramos Blog

101 Intro to Solution Argument Quick Write What are some problems that would benefit from us researching and writing about them? Solution Argument Prompt Research Argument Topics These are very general topics to consider. For our project, we will be arguing solutions to problems. The problems can be from the list below. Legalize Drugs Rap Lyrics promote sexism Gun Laws Universal Health Care Planned Parenthood Death Penalty Miss Information Protesting Freedom of Speech Gas taxes Border Wall Make drugs illegal Marijuana Laws Trump Same-sex marriage Trans Bathrooms Free College Trains vs Autos Animal Testing Participation Trophies Prostitution should be legal Homework is good or bad? Try minors as adults Driving age raised Drinking age lowered Paternity Leave Logos Famous Arguments Martin Luther Kings I have a Dream Speech Is his speech successful? How does he build Ethos? Where does he use Pathos? Identify uses of Logos. The Danger of a Single Story Novelist  Chimamanda Adichie  tells a story about how she found her authentic voice and warns against a single story. Where did she use Ethos, Logos, and Pathos? How persuasive is she?