Thursday, July 23, 2020

Bolsa Financial Red

Bolsa Financial Red INTRODUCTIONMartin: Hi. Today we are in  Madrid, a very Catholic city. Have you ever wondered why God is really connected toMale? Here we have the answer. Jesús from  Madrid, who is operating some of the very well known financial companies here in  Spain. Jesús, who are you and what do you do?Jesús: I am not the person who you think about. I am the CEO of Financial Red and Bolsa.com. When I go abroad, its very strange for people that someone can be called Jesús. But in  Spain, its very typical name, people like that name.Martin: What did you do before you started this company?Jesús: I was a computer engineer. My first job was really working in the internet bubble, just at the beginning of the internet bubble. So I really learnt a lot about the developing portals. And I also really love the market, love financial. I really like to develop invest developing programs, so I really like the financial. With that two kind of things, I start my financial media company in 2007.Martin: In 2007, Okay. And how did you change from being an employee to becoming an entrepreneur?Jesús: The main reason was my partner Gonzalo. He is a person whos been an entrepreneur for 5 years. He cant imagine himself working in a company. So when I met him, I understand the opportunity that we have to create our first company. We think a lot but we make a decision to leave the bank employment and to begin with this project.I am really happy. I think it was a very dangerous decision but when you really like something, after that you can pursue it with passion, I think you can do whatever you want.BUSINESS MODEL OF FINANCIAL RED BOLSA.COMMartin: Tell us a little bit more about how the 3 companies are working together?Jesús: When I define Financial Red, I think its a media that belongs to the talent of the network. We really find bright talented people in writing about finance and we invite them to write for Financial Red. We are really a group of people that write for a company.Martin: So, a blog network?Jesús: Its a blog network. Right now, its now like a blog format. Right now, we write in different kind of spaces, like social network, we are really a portal. But really its the type of people, people on the internet with 2.0 permit, to discover that kind of talent. And thats really the reason of the success of Financial Red.After that, we discover that the media is a very competitive environment and usually in those years, the payment or the outside pays were lower and lower. So with the amount of high traffic, because for one year we were the most visited financial website in  Spain, we decided to try a different business model. Thats why we created Bolsa, as an association network of investors and also another company to try to monetize people with other kind of place.Martin: Okay. And the Financial Red is a blog network. So basically what youre doing is selling some ads and on the other hand having other people writing great content. Are you focusing with th e content on some specific niche, like news or education or a specific technique related to trading, or some events related to trading or is it totally open that everybody can write on any topics?Jesús: Anybody can write about whatever they want. But I think, our main focus is opinion. Because people who write for us, are people who are passionate about what they are writing. They dont have time to write about what is happening in the real time, but they can really make a very good analysis of what is happening. I think this is our main advantage.We are probably a more opinion media. Sometimes media cant do opinion. You have some limitation about that. We are all the time making opinions about everything in financial, opinions on everything and sometimes creating trends of opinions.Martin: For Financial Red and Bolsa, where are the users coming from? From which countries and from which marketing channels, like search engines, social network?Jesús: I think at the beginning of the c ompany, we are really an international company. Were in 20 countries, a lot of them in Spanish language, like in  Mexico  right now the first country,  Spain,  Argentina,  Colombia  and  Peru.At the beginning, I think people find us from Google, from search engines. Right now, in the last 2 years, people come find us from social network like Facebook, LinkedIn, Twitter. We have moved from search engines to some social networks. Right now we have a very high percentage of traffic that arrives from social networks. Search engines have also huge amount of traffic, but right now I think the search engines, probably sometimes find other things in this kind of environment.Martin: What is the share of search engine traffic from your visits?Jesús: I think 4 years ago really nothing. Right now, I think its about 15 20%. It is really lowering a lot and thats why we really focus on making good things for social network. So I think its becoming important. Sometimes, Twitter is a very financia l social network. We have tickers, as you know hash tags. In the stock market, we have a lot of people who visit us from Twitter. And probably for more usual things like Tips for Saving, Tips for Taxes from Facebook.  For more specific things also from LinkedIn.I think every social network has their preferences. Thats why we like it very much, because we find people in that kind of network and they like us. So we have a team that only focuses on delivering our content in social networks.Martin: With Bolsa you said that its somehow an investor network or trader network. Can you tell us a little bit more what people can really do there?Jesús: Bolsa is really a specialized social network of investors. So, we dont have that is not a media company.You can have a premium profile, so we try to leverage all our content or the best things and can provide it to our users, so they can make the best decision in the market.But also we think its very important to leverage the intelligence of the community, of the crowd. I think that kind of network permits it that they can find investment opportunities from other users. I think when you have such a huge community, you realize that they are very good people in making investment decision, so I think what Bolsa try to do is to leverage the best ones.Because we have some companies that are in the Spanish stock market, they want to share their result, their news. So this is a better way to communicate that kind of things to our community.So I think companies understand that they can have a more direct contact with the investors and they permit us to have more confidence in the company.Martin: The companies also pay to distribute this kind of information to the public market?Jesús: They really pay for having a community in Bolsa.com, to have all different personalities and our help to use that community. Its not really paying for publishing the content, its more to have all the possibilities.Martin: Its one package, and thats i t.Jesús: You have narrowed a community there to have more things to contact with the network.Martin: You said, the funny thing with Bolsa is you can follow other great investors by seeing their results. This matches very well with your third company, with this  algo trading fund, which is performing quite well. Can you tell us a little bit more, how did you come you with the idea of starting this algo trading?Jesús: Yes. First of all I had agreement with eToro because eToro it was a social community that also shares investment for stock. It really merges perfectly with our social network because they had the transaction part.I am computer engineer, as I told you. And the last years of my career, I focused on numerical series to study statistics. That kind of knowledge, I know Serge that is one of the most famous algorithm developers in  Spain. I really like to laugh with him. So we are in a team really working in developing system and trying to invest because it was one of my thin gs that I want to do in the future.So right now, Im very happy with all the people that I have known from Financial Red and Bolsa.com. I also permit to have more ideas of trading. And right now we have developed in 2 years the Sersan System in the company. We have developed 4 systems right now and one of the best systems in  Spain.  We have a near 50% of profit the first year with real money. It was very-very funny to try to be profitable with an automatic system and we achieved it in the first year.MARKET DEVELOPMENTMartin: Lets talk about the market for media companies in general and what trends you see in this. Like for example, what the media companies are doing right now, selling ads for  eyeballs and maybe what kind of shifts you see they are doing and what your view on that would be?Jesús: I see different things. We are in a very competitive environment in the media. Right now, not only media companies, but there are also projects like Facebook which is not really media, the y all are also competing in the search engines. They are competing for the budget for ads.So we are really in a competitive system, so that means that there are huge offers to put ad on the internet. Thats really a problem, because you sometimes see that you are in a sector like sport, for example, there are a huge amount of money in sports bets. But you see that media companies for sports magazines are dying.  First of all, if this environment doesnt change there will be no media, or the sports bets will have to create the media.I think what right now is beginning, there are some media companies that are thinking into becoming a player in the sector in order for the people to survive in the business. One of the businesses would be the sports bet.I think thats what happening right now or the media for equity thats happening, so media companies understand that they are really out of money in this sector. They are writing about that. Its not really a sustainable environment that this kind of media so do not really have a huge opportunities. I think they are moving.I think we are mixing a lot of things probably. And if you see media companies in the next years, we are going to develop more business out of media because even if they do not do much with media kind of revenue, business would be huge for them.So, I think there are going to be a mix between media and business company in the sector. And I think the companies that understand better this combination will probably the next big players. Probably it will appear some big players from media in some sectors.Martin: Okay. So basically the short story would be that the stand alone business model of media company is not sustainable and they have basically 2 choices of how to grow the company. First one would be just to be parts of other companies like Bolsa Media for equity deals or they just set up or integrate with other companies in their value chain. So maybe even seeing more  MA deals  also.Jesús: I think r eally what you think about what is media. You have the clients oftentimes on your website or your news. This is very important. So, even Facebook is very important because there are a lot of people wasting time in Facebook. I think media have to learn how to monetize this because there are people who waste time in their sites. I think probably its the most valuable thing that they can have. So, they to learn how to really monetize this.ADVICE TO ENTREPRENEURS FROM JESÚS PÉREZ In Madrid we interviewed the founder and CEO of Financial Red and Bolsa, Jesús Pérez.Financial Red is a platform for bloggers writing about financial sector. Bolsa is a community for all investors.Jesús shared his story of how he got started, what the business models of Financial Red and Bolsa are, some insights on the media market, and what it takes to become a great entrepreneur.The transcript of the interview is provided below.INTRODUCTIONMartin: Hi. Today we are in  Madrid, a very Catholic city. Have you ever wondered why God is really connected toMale? Here we have the answer. Jesús from  Madrid, who is operating some of the very well known financial companies here in  Spain. Jesús, who are you and what do you do?Jesús: I am not the person who you think about. I am the CEO of Financial Red and Bolsa.com. When I go abroad, its very strange for people that someone can be called Jesús. But in  Spain, its very typical name, people like that name.Martin: What did you do before you started this company?Jesús: I was a computer engineer. My first job was really working in the internet bubble, just at the beginning of the internet bubble. So I really learnt a lot about the developing portals. And I also really love the market, love financial. I really like to develop invest developing programs, so I really like the financial. With that two kind of things, I start my financial media company in 2007.Martin: In 2007, Okay. And how did you change from being an employee to becoming an entrepreneur?Jesús: The main reason was my partner Gonzalo. He is a person whos been an entrepreneur for 5 years. He cant imagine himself working in a company. So when I met him, I understand the opportunity that we have to create our first company. We think a lot but we make a decision to leave the bank employment and to begin with this project.I am really happy. I think it was a very dangerous decision but when you really like something, after that you can pursue it with passion , I think you can do whatever you want.BUSINESS MODEL OF FINANCIAL RED BOLSA.COMMartin: Tell us a little bit more about how the 3 companies are working together?Jesús: When I define Financial Red, I think its a media that belongs to the talent of the network. We really find bright talented people in writing about finance and we invite them to write for Financial Red. We are really a group of people that write for a company.Martin: So, a blog network?Jesús: Its a blog network. Right now, its now like a blog format. Right now, we write in different kind of spaces, like social network, we are really a portal. But really its the type of people, people on the internet with 2.0 permit, to discover that kind of talent. And thats really the reason of the success of Financial Red.After that, we discover that the media is a very competitive environment and usually in those years, the payment or the outside pays were lower and lower. So with the amount of high traffic, because for one year we were the most visited financial website in  Spain, we decided to try a different business model. Thats why we created Bolsa, as an association network of investors and also another company to try to monetize people with other kind of place.Martin: Okay. And the Financial Red is a blog network. So basically what youre doing is selling some ads and on the other hand having other people writing great content. Are you focusing with the content on some specific niche, like news or education or a specific technique related to trading, or some events related to trading or is it totally open that everybody can write on any topics?Jesús: Anybody can write about whatever they want. But I think, our main focus is opinion. Because people who write for us, are people who are passionate about what they are writing. They dont have time to write about what is happening in the real time, but they can really make a very good analysis of what is happening. I think this is our main advantage.We are probably a more opinion media. Sometimes media cant do opinion. You have some limitation about that. We are all the time making opinions about everything in financial, opinions on everything and sometimes creating trends of opinions.Martin: For Financial Red and Bolsa, where are the users coming from? From which countries and from which marketing channels, like search engines, social network?Jesús: I think at the beginning of the company, we are really an international company. Were in 20 countries, a lot of them in Spanish language, like in  Mexico  right now the first country,  Spain,  Argentina,  Colombia  and  Peru.At the beginning, I think people find us from Google, from search engines. Right now, in the last 2 years, people come find us from social network like Facebook, LinkedIn, Twitter. We have moved from search engines to some social networks. Right now we have a very high percentage of traffic that arrives from social networks. Search engines have also huge amount of t raffic, but right now I think the search engines, probably sometimes find other things in this kind of environment.Martin: What is the share of search engine traffic from your visits?Jesús: I think 4 years ago really nothing. Right now, I think its about 15 20%. It is really lowering a lot and thats why we really focus on making good things for social network. So I think its becoming important. Sometimes, Twitter is a very financial social network. We have tickers, as you know hash tags. In the stock market, we have a lot of people who visit us from Twitter. And probably for more usual things like Tips for Saving, Tips for Taxes from Facebook.  For more specific things also from LinkedIn.I think every social network has their preferences. Thats why we like it very much, because we find people in that kind of network and they like us. So we have a team that only focuses on delivering our content in social networks.Martin: With Bolsa you said that its somehow an investor network or trader network. Can you tell us a little bit more what people can really do there?Jesús: Bolsa is really a specialized social network of investors. So, we dont have that is not a media company.You can have a premium profile, so we try to leverage all our content or the best things and can provide it to our users, so they can make the best decision in the market.But also we think its very important to leverage the intelligence of the community, of the crowd. I think that kind of network permits it that they can find investment opportunities from other users. I think when you have such a huge community, you realize that they are very good people in making investment decision, so I think what Bolsa try to do is to leverage the best ones.Because we have some companies that are in the Spanish stock market, they want to share their result, their news. So this is a better way to communicate that kind of things to our community.So I think companies understand that they can have a more dire ct contact with the investors and they permit us to have more confidence in the company.Martin: The companies also pay to distribute this kind of information to the public market?Jesús: They really pay for having a community in Bolsa.com, to have all different personalities and our help to use that community. Its not really paying for publishing the content, its more to have all the possibilities.Martin: Its one package, and thats it.Jesús: You have narrowed a community there to have more things to contact with the network.Martin: You said, the funny thing with Bolsa is you can follow other great investors by seeing their results. This matches very well with your third company, with this  algo trading fund, which is performing quite well. Can you tell us a little bit more, how did you come you with the idea of starting this algo trading?Jesús: Yes. First of all I had agreement with eToro because eToro it was a social community that also shares investment for stock. It really merg es perfectly with our social network because they had the transaction part.I am computer engineer, as I told you. And the last years of my career, I focused on numerical series to study statistics. That kind of knowledge, I know Serge that is one of the most famous algorithm developers in  Spain. I really like to laugh with him. So we are in a team really working in developing system and trying to invest because it was one of my things that I want to do in the future.So right now, Im very happy with all the people that I have known from Financial Red and Bolsa.com. I also permit to have more ideas of trading. And right now we have developed in 2 years the Sersan System in the company. We have developed 4 systems right now and one of the best systems in  Spain.  We have a near 50% of profit the first year with real money. It was very-very funny to try to be profitable with an automatic system and we achieved it in the first year.MARKET DEVELOPMENTMartin: Lets talk about the market fo r media companies in general and what trends you see in this. Like for example, what the media companies are doing right now, selling ads for  eyeballs and maybe what kind of shifts you see they are doing and what your view on that would be?Jesús: I see different things. We are in a very competitive environment in the media. Right now, not only media companies, but there are also projects like Facebook which is not really media, they all are also competing in the search engines. They are competing for the budget for ads.So we are really in a competitive system, so that means that there are huge offers to put ad on the internet. Thats really a problem, because you sometimes see that you are in a sector like sport, for example, there are a huge amount of money in sports bets. But you see that media companies for sports magazines are dying.  First of all, if this environment doesnt change there will be no media, or the sports bets will have to create the media.I think what right now i s beginning, there are some media companies that are thinking into becoming a player in the sector in order for the people to survive in the business. One of the businesses would be the sports bet.I think thats what happening right now or the media for equity thats happening, so media companies understand that they are really out of money in this sector. They are writing about that. Its not really a sustainable environment that this kind of media so do not really have a huge opportunities. I think they are moving.I think we are mixing a lot of things probably. And if you see media companies in the next years, we are going to develop more business out of media because even if they do not do much with media kind of revenue, business would be huge for them.So, I think there are going to be a mix between media and business company in the sector. And I think the companies that understand better this combination will probably the next big players. Probably it will appear some big players from media in some sectors.Martin: Okay. So basically the short story would be that the stand alone business model of media company is not sustainable and they have basically 2 choices of how to grow the company. First one would be just to be parts of other companies like Bolsa Media for equity deals or they just set up or integrate with other companies in their value chain. So maybe even seeing more  MA deals  also.Jesús: I think really what you think about what is media. You have the clients oftentimes on your website or your news. This is very important. So, even Facebook is very important because there are a lot of people wasting time in Facebook. I think media have to learn how to monetize this because there are people who waste time in their sites. I think probably its the most valuable thing that they can have. So, they to learn how to really monetize this.ADVICE TO ENTREPRENEURS FROM JESÚS PÉREZMartin: Jesús, we are from Entrepreneurial Insights, we always want to share some insights and advice for first time entrepreneurs. What advice can you give a first time entrepreneur when he wants to start a company?Jesús: First of all, I say that they have to have a passion in what they do because it helps them to be competitive. You have to love what you are doing, you will probably be good at that.After that, they need to think a lot about the business model. I think, they can sometimes create things bigger and you can delay the decision of the business model. But from what I have learnt about all this process, is that sometimes if you think a little bit about the business and you find really a good business model, it can really help your company and you can be more efficient and grow faster. So the business model at the beginning is something that sometimes you discover when you have worked in your company for 2 or 3 years. If you can really think a little bit more about the business model and you can test it, it will help you a lot because after that y ou can be really efficient in your growth.And the other question that I say yes that they become international. I think in internet, its not too difficult to be international. I think, sometimes you are in a country that is not that huge as the  United States. However, you need to be international, because if you are in the  United States  its not  really  so important because you have a huge market. But I think in our countries you need  to think globally because if not, itll be more difficult.Martin: I mean you cant defend against it if you set up your website and Google searches you, and they provide search result to people looking for something that you offer, they will come from which ever country they are living in. So if you start a company you are international.Jesús: Yes.Martin: Thank you very much, Jesús!

Friday, May 22, 2020

Essay on The Battle of Britain in 1940 - 1245 Words

The Battle of Britain in 1940 In the summer of 1940, the German Luftwaffe attempted to win air superiority over southern Britain and the English Channel by destroying the Royal Air Force and the British aircraft industry. This attempt came to be known as the Battle of Britain, and victory over the RAF was seen by the Germans as absolutely essential if they were eventually to mount an invasion of the British Isles. The Germans had overrun Belgium, the Netherlands and northern France in May 1940, using the Blitzkrieg (Lightning War) technique that relied, among other things, on close coordination between ground troops and the air force. Although the Luftwaffe proved very competent in this†¦show more content†¦In addition even if Hitler had achieved his aim of destroying the RAF, Germany might still have failed to establish a foothold after any invasion, because the British Royal Navy was enormously strong, and very capable of repulsing German troop ships. Suppression of the British air force would have been the first difficult step to a German victory, but it was not the only factor, and the British would have found they had plenty more tricks up their sleeve. There was nothing to stop them from withdrawing their aircraft northwards, out of range of the German fighters, if they started to lose the air battle, keeping the aircraft in reserve to counter an attempted German invasion. The combatants There were plenty of indications that the Luftwaffe might face real problems in accomplishing their initial step towards the conquest of Britain. The first came during the evacuation of Allied troops from the Dunkirk beaches at the end of May. The Luftwaffes principal modern fighter, the Messerschmitt Bf109E (Me-109), had limited range and was operating from bases some way from Dunkirk, making the German bombers very vulnerable to the most modern RAF fighters. This was a foretaste of the problems that they would soon face over Britain itself, and during the operation they lost 240Show MoreRelatedChurchill and the Battle of Brittain839 Words   |  3 Pages18, 1940, Prime Minister Winston Churchill was speaking to the British House of Commons when he said â€Å"The Battle of France is over. I expect the Battle of Britain is about to begin.† Just the day before, the French signed a peace treaty and were no longer involved with World War II. The Battle of Britain was the air battle between Germany and Britain for control over Great Britain’s air space. This happened during July 1940 to May 1941, with the heaviest fighting from July to October 1940. WinstonRead MoreHistory Notes on Ww21625 Words   |  7 Pages19.1 NOTES European Aggressors on the March In 1935, Mussolini attacks Ethiopia to build a colonial empire. League of Nations does not stop aggression. In 1935 Hitler begins rebuilding the German army. In 1936 Germany occupies Rhineland. 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Britain and France were aware of Germany preparing for war but they were concerned abou t the rise ofRead MoreBattle of the Atlantic Notes1182 Words   |  5 PagesBattle of the Atlantic The Battle of the Atlantic played a very significant part in World War Two. In World War Two, after the escape atDunkirk and the inspiration of the Battle of Britain, the Battle of the Atlantic was Britain s next nightmare. The Battle of the Atlantic was the only thing that ever frightened me. Winston Churchill. As an island Britain needed to bring in a vast amount of food and military equipment to survive the war. The German submarine force (U-boats) severely damagedRead MoreA Very Brief Look at Worl War II693 Words   |  3 PagesFrance and Great Britain declared war on Germany September 3rd. After France and Great Britain declared war on Germany they mobilized their armies and stationed their troops. Waiting for Germany to attack, but they never did. This eventually became known as the Phony War. By the end of May in 1940 the Germans had trapped all of the allied forces around a northern French city. Allies went to the beaches at Dunkirk because they were outnumbered, and outgunned. Great Britain set out to rescueRead MoreThe Battle of Britain: The Nazi ´s Failure1201 Words   |  5 PagesBattle of Britain is the name given to the effort by the German air force, run by Luftwaffe to gain air superiority over the Royal Air Force (RAF). The Battle of Britain was the first major battle to be fought entirely by air forces. It was the largest and most sustained bombing campaign to be a ttempted, as well as the first real test of vital bombing theories developed since World War I. The failure of Nazi Germany to destroy Britains air force or to break the spirit of the British governmentRead MoreEssay about The Battle of Dunkirk: A Tactical Defeat1616 Words   |  7 PagesThe Battle of Dunkirk happened in Northern France between May 26 and June 4 1940 and was a major battle of the Second World War which occurred between 1939-1945. The Second World War was very different to the first with rapid movement covering huge amounts of land in very little time. This was due to the German Army’s speed which used â€Å"Blitzkrieg† or â€Å"Lightning war† tactics. Prior to the invasion of France there had been 7 months of â€Å"Phoney war†; However the French had anticipated the attack andRead MoreGermany And The World War II1553 Words   |  7 Pagesfront line. The German forces were quickly pushing through the lowlands of Europe causing the French and British troops to flee into Great Britain or face the German army. â€Å"More than 300,000 French and British troops were evacuated from the beaches near Dunkirk across the English Channel to Great Britain† (â€Å"German Invasion†¦Ã¢â‚¬ ). From May 28 through the 31 in 1940 there were 40,000 men remaining of the once formidable French army. These troops fought to delay the German armies who were trying to stop

Thursday, May 7, 2020

Annotated Bibliography Types Of Leftist Governments

Steven Venegas July 23, 2016 Annotated Bibliography Question: What preexisting or absent institutions have led Latin American nations to see a divergence in the types of leftist governments in power? Group 1: Party Systems and Political Institutions French, John. 2010. â€Å"Many Lefts, One Path? Chavez and Lula.† In Latin America’s Left Turns: Politics, Policies, and Trajectories of Change. Eds. Maxwell A. Cameron Eric Hershberg. Boulder, Colorado: Lynne Rienner Publishers, Inc. 41-60. French poses that â€Å"the key to unity that exists in within the left’s diversity... can be found in the notion of the left as a space of convergence across difference based on a common anti neoliberal politics.† (French, p. 42) This idea allows for an†¦show more content†¦All of these features of a regime, if disrupted or altered, could be the difference between a stable democracy and it demonstrating a radical archetype of ascendancy. After explaining both alternatives, Mainwaring comes to the conclusion that â€Å"Presidentialism and a fractionalized multi party system seems especially inimical to stable democracy† in that they are conducive to gridlock between the executive and legislative branches of government. (Mainwaring, p. 168) Levitsky, Steven, and Kenneth M. Roberts. The Resurgence of the Latin American Left. Baltimore: Johns Hopkins UP, 2011. Print. Theorists Steven Levitsky and Kenneth Roberts articulate two divergent paths that the left took as a result of their party systems and political institutions, or lack there of. The two give light to the divergence of an institutional path and a populist path, which they are able to closely associate to various political regimes currently in power throughout Latin America. This further branches out how even following the presidential path, rather than parliamentary, can see more divisions. Mainwaring, Scott. â€Å"Presidentialism, Multipartism, and Democracy: The Difficult Combination.† Comparative Political Studies. Vol. 26: July 1993. Pp. 198-228. Noting that multipartism isn’t conducive for the consolidation of democracy and that there are many regimes following the

Wednesday, May 6, 2020

Citizen Bank Case Free Essays

The merger of U. S. Citizen Bank and Louisiana Purchase Bank (LPB) in 1998 resulted in a formation of a financial powerhouse possessing core competencies in commercial lending and innovation. We will write a custom essay sample on Citizen Bank Case or any similar topic only for you Order Now Upon recognizing the much needed annuity-driven market potential existing within the U. S. college population, the LPB pioneered the student credit card program in 1989. Indeed, the student credit card program proved to be more profitable with net income margin around 6 percent compared to that of 4 percent for non-student product offerings. In fact, LPB was collecting revenue on 60 percent of its accounts. The sheer magnitude of credit usage among college students caught public’s attention. Well respected college professors claimed direct correlation between credit institutions’ success and college students’ irresponsible financial behavior leading to debt and higher drop-out rates. Due to this increased public awareness, The U. S.  General Accounting Office (GAO) initiated an investigative report to further analyze the magnitude of student credit card usage and its consequences on students’ academic, financial, and personal well-being. The GAO asked LPB’s head of Student Card Services division, Michelle Jeffries, to participate in a survey soliciting data pertinent to their college student accounts as well as information regarding LPB’s marketing approach to this demographic. Data submitted would be compared to that of other (unnamed) financial institutions and published (in aggregate) without identifying individual responders. In addition, Michelle Jeffries was notified that a popular investigative television series, ’60 Minutes’ will be featuring a story on student credit cards and plans to portray credit card issuers in a negative light similar to that of tobacco companies. I believe Michelle is in the best position to be the key decision maker due to the fact that she has the most insight into divisional operations, objectives, and values. She is the leader of the student credit card services division and should be the one to decide and communicate next steps – after having gathered input from other constituents – including the President, Risk Manager and other employees. Michelle needs to consider the interests of U. S. Citizen Bank, its employees and shareholders, all calling for a profitable and prospering organization. In addition, she needs to consider the rights of general public and media to know what U. S.  Citizen Bank’s ultimate objectives are, including its corporate values and goals. Does U. S. Citizen Bank need to have a moral obligation to look after the best interests of customers it serves? If so, what is in college students’ best interest when it comes to credit cards? Is it ethical to extend credit to students? Finally, Michelle needs to think about her own virtues and character in addition to those of the organization. What virtues does the company value the most? Do those align with her personal virtues? The most important ethical issue at hand is the implied allegation that success of U. S Citizen Bank’s Student Card Services division was at the expense of college students’ financial well-being. That begs the question of moral obligation and the ethics of extending credit to college students. Another important ethical issue is U. S. Citizen Bank’s response to the public in regards to the GAO survey as well as 60 Minutes. The bank is being asked to disclose confidential customer information as well as their business and marketing plans. Lastly, Michelle needs to marry her own personal values to those of the organization which she leads. She has a solid track record of being honest, fair and ethical and she needs to lead the organization keeping those core values in mind. Lastly, she needs to assure those shared values are actually being practiced. Michelle is presented with the following possible options. She could disregard GAO’s request for information on grounds of protecting customer privacy as well as corporate business and marketing plans in terms of promotional and marketing strategies. She could also choose not to publicly address 60 Minutes to avoid the possibility of self-imposed negative attention on U. S. Citizen Bank in relation to the series. Another viable option would be to submit the requested information to the GAO as well as publicly address the 60 Minutes series while firmly defending company’s current strategy without identifying any holes or areas for improvement. The third option would be to respond to the GAO’s request as well as release a public statement in response to the 60 Minutes series clearly identifying U.  S. Citizen Bank’s corporate values, objectives and responsibilities to all of its stakeholders. In both responses, Michelle could acknowledge things the corporation believes they’ve done right as well as things they could and plan to improve on in response to helping college students become more financially responsible when it comes to credit card debt. Michelle should respond to the GAO survey by submitting requested account data and marketing information while emphasizing company’s strong commitment to customer privacy and onfidentiality of information submitted. She should address the 60 Minutes series by clearly identifying and defending her organization’s values and commitment to its customers. She should highlight company’s accomplishments and strides in the area of student credit card education programs. Furthermore, she should identify areas of improvement with well-defined action plans that will elevate the organization to the next level vs. merely pointing out weaknesses to the competitors. The overall theme should re-iterate company’s commitment to all of its stakeholders, acknowledging what they’ve done to support that commitment followed by an action plan to further evolve and improve their student credit card education programs. They should raise the bar for all credit card issuers on educating college students on responsible use of credit cards. More importantly, they should publicly acknowledge their ethical responsibility to provide customers with information necessary to make sound financial decisions. Michelle also needs to ensure external communication aligns with the internal translation in order to successfully execute publicly announced action plan. Internal stakeholders need to be assured that external message is honest and action-driven and not just a media ‘spin’ to protect company’s interests. An internal communication to employees and shareholders should clearly translate the external message into sustainable long-term profitability and well-being of the company. Considering the interests of all parties involved, the suggested approach is clearly the right one. By publicly acknowledging and recognizing an increased concern surrounding college students’ credit card debt, they will gain public’s sympathy and respect. By choosing to do something about it via a well defined action plan, they will gain public’s trust. By gaining public’s trust, they will gain a more loyal and increased customer base which will contribute to company’s long-term profitability. In addition, this approach will clearly communicate company’s values and traits of responsible corporate citizenship which will set an example for other companies in their industry, including their competitors. One might argue the organization should really re-evaluate the business they are in as it may not be morally responsible to extend credit cards to students. I would argue that the morality question certainly does come into play and should definitely be considered when deciding on tactics used to promote and market credit cards to students. However, the actual extension of credit to students, by its nature, is not unethical. In fact, when utilized properly, it serves students’ interests by allowing them to build credit history while teaching financial responsibility and spending within means. In conclusion, while credit lending geared towards college students is not considered unethical business to be in, marketing techniques utilized to promote such products and service may certainly cross ethical boundaries. How to cite Citizen Bank Case, Essay examples

Monday, April 27, 2020

WordCamp Europe infographic! All #WCEU Editions Compared 2013-2018

WordCamp Europe infographic! All #WCEU Editions Compared by the Numbers (From 2013 to 2018) If youve been excited about this years WordCamp Europe, youre not alone! The event is nearly here and we couldnt be more stoked about it!Weve also been working closely with the #WCEU crew during this time, ever since we enrolled as a media partner for this years event. Aside from the usual written informative content some good ol interviews, previews, conference reviews, and  roundups we wanted to try something different this time. So why not a WordCamp Europe infographic, right?  Ã°Å¸ ¤â€œThe WordCamp Europe organizing team was very nice to share the numbers from the past editions with us, so weve put them all together into this single infographic. We know you guys love visuals, so we hope you will enjoy our work! premiere in 2013? Have a look at this infographic and see for yourself! By the way, if youre not done with the preparations for Belgrade yet, you should hurry up because #WCEU will start in a blink of an eye. Dont forget to check the full schedule for #WCEU 2018 here .WordCamp Europe infographic: all editions compared over the years What do you think about these numbers? Is #WCEU becoming stronger and stronger every year?Lets see what the next edition brings us, so join us in Belgrade on June 14-16, 2018. If you recognize or see any of the ThemeIsle members around the venue, dont hesitate to say hi. We are friendly! See you there! 🙂Share this infographic on your siteHint: Best way to use this infographic? Email it directly to people who might be interested (use this link https://themeisle.com/blog/wordcamp-europe-by-the-numbers/).Click here for the plain text version of this infographic ThemeIsle presents:WordCamp Europe infographic! All #WCEU Editions Compared by the Numbers (From 2013 to 2018)WordCamps so far:2013 Leiden, The Netherlands2014 Sofia, Bulgaria2015 Seville, Spain2016 Vienna, Austria2017 Paris, France2018 Belgrade, SerbiaSpeakers:2013 37 speakers, 94 applications2014 31 speakers, 80 applications2015 43 speakers, 1 71 applications2016 69 speakers, 223 applications2017 42 speakers, 310 applications2018 60 speakers, 374 applicationsParticipant countries:2014 512015 522016 682017 79The number of the participating countries is rising every year. People are coming from all around the world, not only Europe.Countries watching the events live streaming:2016 822017 77Each edition brings new fun events:2013 after party, contributor day2014 color tags for sessions2015 short talks, live stream, tribe meetups, speed networking2016 childcare, after party chill zone, live captioning, unconference2017 sponsor workshops2018 workshops, open networkingThe number of contributors has tripled since 2013.The number of volunteers also tripled.2015 652016 1602017 221#WCEU organizers it all started with just 11 people, now they are 57.The organizers are grouped into 10 teams: Sponsors, Communications, Community, Attendee Services, Volunteers, Design, Public Relations, Content, Local, Photography.Thi s WordCamp Europe infographic was created by ThemeIsle with the help of #WCEU 2018 team https://themeisle.com/blog/  © 2018Free guide5 Essential Tips to Speed Up Your WordPress SiteReduce your loading time by even 50-80% just by following simple tips.

Thursday, March 19, 2020

Women in American Society Essay Example

Women in American Society Essay Example Women in American Society Essay Women in American Society Essay As opposed to sex, gender is a socially constructed concept where women and men, male and females are treated in a society. Gender roles are the expectations are those norms and behaviors that a society expects men and women in a certain culture to look like, and the tasks and roles performed by them. In America there have been great changes in the role and place of women in the society and the gender gaps appear to be getting thinner. Women are rising and taking up those positions that were traditionally viewed as masculine like in politics and leadership forums.   In the past women were restricted in a number of ways only being allowed to be obedient housewives, who cooked and cleaned in the houses. Today such roles are played by both genders and women are more liberal in their day to day activities.There is evidence of the drastic changes that have taken pace in the perception of women in the society. However this has had both positive and negative impacts on women. With the fre edom to pursue careers, raising of children has been grossly neglected and hence an upsurge in moral decadence and an emergence of a generation without real touch of motherhood. At the same time divorce rates have increased more than ever and this hurts women psychologically.In today’s contemporary society women have most opportunities than ever before. These have opened doors for many who otherwise would have been locked out and suffered socio-economically. These have had both positive and negative impacts on the women at large. With the burden shared equally among the men and women, equal rights and responsibilities, there has been pressure on women to compete with male folks in job, need for the women to give critical answers to world greatest problems and many end up spending a good portion of their lives in school pursing education to meet their own needs.The changes in gender perception have brought more good than harm in the American society and therefore sustainable r esults such as economic growth and socio-cultural development has been experienced. However vices such as smoking tobacco and marijuana have seen the number of deaths in women related to such increase over time.ReferencesAlica H. E (1987) Sex differences in social behavior: a social-role interpretation, LAWRENCE ERLBAUM ASSOCIATES, PUBLISHERS, New Jersey LondonFaqs.org (2010) Gender roles, retrieved from faqs.org/health/topics/8/Gender-roles.html on 10th July, 2010 at 0030hrs.FAO (2010) what is gender? Retrieved from fao.org/docrep/007/y5608e/y5608e01.htm on 10th July, 2010 at 0030hrs

Tuesday, March 3, 2020

Periodic Table With Common Ionic Charges

Periodic Table With Common Ionic Charges The most-requested printable periodic table has been one for element charges, to predict compounds and chemical reactions. Now, you can use periodic table trends to predict the most common element charges. Group I (alkali metals) carry a 1 charge, Group II (alkaline earths) carry a 2, Group VII (halogens) carry -1, and Group VIII (noble gases) carry a 0 charge. Metal ions may have other charges or oxidation states. For example, copper usually has a 1 or 2 valence, while iron typically has a 2 or 3 oxidation state. The rare earths often carry many different ionic charges. One of the reasons you dont normally see a table with charges is because the organization of the table offers a clue to common charges, plus elements can have just about any charge given enough energy and the right conditions. Even so, heres a table of element charges for readers seeking the most common ionic charges of element atoms. Just keep in mind elements may carry other charges. For example, hydrogen can carry -1 in addition to 1. The octet rule doesnt always apply to ionic charges. In some cases, the charge can exceed 8 or -8! Ive got a  huge collection of printable periodic tables, which include all 118 elements. If you dont find what you need, just let me know and Ill have it made for you!