Marketing Financial Services Essay Example | Topics and Well Written Essays - 2500 words - 1

Marketing Financial Services - Essay Example This research will begin with the statement that Morgan Stanley is one of the most well-known financial services firm in the world. Its head quarter is based in New York. The firm operates all over the world and deals mainly in institutional securities and investment management. Morgan Stanley advises large institutional clients how to raise funds from the market and how to manage its investment portfolio. The recent financial crisis has hit the company badly but it has recovered well from that. The company’s reputation is also good in the financial market. The brand name of Morgan Stanley is well established since it is been operating in the financial industry for a long time. It was founded way back in 1935 so it is a well-known brand in the financial markets. Morgan Stanley operates in a financial industry so its marketing strategies are entirely different from firms that sell consumer products. This section will elaborate upon its strengths, weakness, opportunities, and th reats and in turn will suggest about how the company should be shaping its marketing strategies. With increasing competition in the financial sector and a very recent recession, this might not be easy for the company so it is important to do SWOT analysis keeping the overall situation of the financial industry in mind today. The main strength of the company is its global presence and well-established brand name. Morgan Stanley is a well-known name on Wall Street so investors are pretty much aware of the company and the services which it offers. Â  Also news about the market given by Morgan Stanley analysts is given attention by the traders in financial markets. This shows the reliability of the name of the company in the financial sector. This reliability and brand image is very good especially in the financial sector because customers in this industry take into consideration these two elements (O'Loughlin, Szmigin & Turnbull, 2004). Global presence of the company is a strong point of Morgan Stanley. The worldwide services of the company allow it to operate in different markets. It can connect customers of financial services from different markets. For example it can hedge funds by buying securities in different regions and can reduce risk. This is a great benefit of operating in a worldwide market. Also the global financial markets are getting complicated with newer products coming every day. In such an environment more than 50,000 employees of Morgan Stanley help customers in finding the right product for them. With the derivative market and Islamic finance newer avenues are available for investors and the company is well prepared to treat all kinds of demands of its customers. Currently the company is making full use of its brand image and it is reflected in its advertisements. The company uses internet marketing or e-marketing as a marketing tool. This is because of the fact that internet plays a major role in financial industry. Many traders work from their homes through internet so it is very important to use internet as a marketing tool. The company also uses television advertisement but they are aired on specific news channels. The reason for this is that the main clients of the company are large institutional investors and buyers. Large companies and very rich individuals and groups use the services of the company so it is important that marketing caters to the need of these high standard clients. If one observes the

Strategic Management Essay Example | Topics and Well Written Essays - 500 words - 14

Strategic Management - Essay Example The scope of the report is centered on analyzing the external and internal conditions of the organization. This gives details of the position of the organization in the industry in which it operates in. The internal analysis provides essential factors that are necessary for Fortescue’s growth as an organization in both the short run and the long run. On the other hand, the external analysis is based on three major fronts which include competitor environment, industry environment and general environment. The sources of information used to gather data for the report are quite reliable and sufficient. The SWOT Analysis Between Myth and Reality, is a journal that has widely been used to explain the internal analysis of the organization that helps reveal various factors that the organization has put into consideration as far as strategy is concerned. Another major source that has been used is Contemporary Strategic Management to explain the strategic approaches that the organizatio n uses. However, these sources had various limitations. Some of the sources were not easily available and some of the website sources are subject to change due to updates. However, the report was able to deduce substantial findings from the sources. The external analysis, such as the political element, is influenced by which policies the government employs. The strategies that the Fortescue tries to engage are adjusted to fit the changes that occur in the external environment. On the other hand, the organization has complete control of the internal factors, such as its strength, and can always manipulate it in order to remain competitive in the market. There are various recommendations that have been made by the report. As a start-up business, Fortescue should always be on the look out of the opportunities that are available for it in both the external and internal environment. They should utilize every possible opportunity in order to increase its competitiveness in the

The U.S. Economy of Euro Falls Research Paper Example | Topics and Well Written Essays - 1000 words

The U.S. Economy of Euro Falls - Research Paper Example The conclusion Teulon (2011) garnered was also accordance with that of Calomiris (1999): that the probability of the fall of euro is high. For Teulon (2011), the question is no longer whether the euro will survive, but rather on how long the euro will last. With the threat of the impending fall of the euro, one of the important questions that this leads to is its effect to the dollar. In the event the euro will fall, will this affect the economy of United States? This inquiry aims to give some answer to this question. International trade in this globalized world is highly efficient. It is through engaging in the global commerce that a local economy is affected by the economic performance of its trading partners. The exchange rate of the local to the international currency is important since this determines the prices of goods and services from abroad in terms of the local currency. Hence the exchange rate of euro to the dollar plays a significant role in the trade that occurs between them. The countries included in the European Monetary Union are also the trading partners of the United States. The members of the E.M.U. are the following: Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, and Spain. Table A (found in the Appendix) shows the trade in goods of the United States with each country of the E.M.U in 2011. The country imports more goods from the euro area by 87,860 millions of dollars than it exports there. This data might show that somehow, the U.S. depends a little on the products of the euro area for its consumption. As a source of income however, the country doesn’t depend there too much since it buys more from them than what it was able to sell to them. Nevertheless, this data only shows the trade of the U.S. with the euro area. Let us consider another set of data so a more meaningful analysis can be done. Table 1. U.S. Gross Domestic Product for 2011* Com ponent of G.D.P. $ Billions % of G.D.P. Consumption 10,726.4 0.71 Investment 1,914.6 0.13 Net Exports -576.9 -0.04 Government Expenditures 3,030.2 0.20 G.D.P. 15,094.4 100 Table 2. The Net Exports of the United States for 2011* $ Billions % of G.D.P. Exports 2,087.5 0.13 Goods 1,474.4 0.09 Services 613.2 0.04 Imports 2,664.4 0.18 Goods 2,238.0 0.14 Services 426.4 0.03 Net Exports -576.9 -0.04 *Source: Bureau of Economic Analysis. 2012. Gross Domestic Product and Related Measures: Level and Change From Preceding Period. GROSS DOMESTIC PRODUCT: FOURTH QUARTER AND ANNUAL 2011 (SECOND ESTIMATE). Retrieved from http://www.bea.gov/newsreleases/national/gdp/2012/pdf/gdp4q11_2nd.pdf Table 1 shows important information about the economy of the United States. First, the country is not dependent on international trade for its income or output. The net export is -.04 percent of G.P.D. The country spends more rather than gaining more from it. Since the data used for the trade between the U.S. an d E.M.U. countries has been on the net exports on goods only. From Table 2 we can infer that the net export on goods is equal to -763.6. The U.S. does not earn more dollars in trading with the E.M.U. countries. Instead, it is the euro area that gains more from its trade with U.S. amounting 87,860 millions of dollars in 2011. From these data we can see that in the event that euro falls, the economy of th

Fecal Incontinence Essay Example | Topics and Well Written Essays - 4500 words

Fecal Incontinence - Essay Example They become housebound and prefer to pass the day very close to the toilet to avoid losing feces. The exact incidence of FI is uncertain because of patients' hesitation to seek help from their physicians. Women seem to be at higher risk, mostly due to obstetric damage to the anal sphincters; however, during the last decade, an increasing interest has been dedicated to those forms of FI related to nontraumatic factors, which reach a relevant incidence (Bharucha, 2003). Older subjects are at very high risk, especially those with disabilities and those who are institutionalized. Moreover, young people are often affected. These factors create a significant economic impact for society, not only due to direct and indirect costs, but also due to intangible costs. FI may result from a variety of pathophysiological situations, and various risk factors can cause a wide range of inability to control feces passage. Therefore, an accurate diagnostic workup of each patient is fundamental. Although not fully agreed upon by all physicians, a multimodal diagnosis, using a multiparametric evaluation, seems to allow the most thorough understanding of FI pathophysiology and to indicate optimal treatment. These are really the most important and challenging aspects of FI management. Indeed, a wide range of therapeutic options is available, including conservative, rehabilitative, and surgical procedures. Highly variable rates of defecatory dysfunction and fecal incontinence have been reported, which most likely reflects the heterogeneity of the populations studied, the use of non-standardized questionnaires, a variety of definitions in terms of frequency of defecation or fecal loss, and patient reluctance to disclose these potentially embarrassing problems. Aging has been consistently identified as a major risk factor for the development of fecal incontinence, and the prevalence has been reported to approach 50% in nursing home residents (Cook and Mortensen 2002). A recent study of m ore than 3,000 community-dwelling women found a population-adjusted prevalence of 7.7% when fecal incontinence was defined as loss of liquid or solid stool at least monthly. The prevalence of fecal incontinence increased linearly with age (Melville et al., 2005). Many patients are reluctant to seek medical attention for bowel disorders because of embarrassment and social stigma. Primary care providers, including obstetricians and gynecologists, are therefore integral to the successful disclosure of such problems by routinely inquiring about bowel function during periodic health care visits. The Research Problem The problem with fecal incontinence is that it often goes undiagnosed and untreated in elderly patients mainly due to the social stigma attached to it. Not only are the patients reluctant to admit the problem, the physicians often fail to ask about the problem due to similar embarrassment that the patients feel or due to the fact that they think the problem to be insignificant. In the older age groups this is particularly significant since it is common in them. Large population surveys have revealed that above age 65, the prevalence is 3% to 7%. Many elderly people are forced to get admitted into nursing homes due to this problem so much so that the prevalence is as high as 50% (Perry et al., 2002). As highlighted by Bharucha et al. (2005), the financial

Plant Genome Comparison Essay Example | Topics and Well Written Essays - 1250 words

Plant Genome Comparison - Essay Example ecause of its relevance to biosecurity as its seeds contain high levels of highly toxic ricin protein which acts as a ribosome inactivator (Chan et al. 1). For the purpose of the genomic comparison, three studies (The Arabidopsis Genome Initiative, Ming et al. and Chan et al.) exploring the genome content of these plants have been used in the succeeding sections. The Carica papaya genome is three times larger than the Arabidopsis thaliana genome but has fewer genes. In fact, Carica papaya has lesser genes than any angiosperm so far sequenced. Its genome size is 372 Mbp while that of Arabidopsis thaliana is 125 Mbp. The genome of Ricinus communis is also fairly larger compared to Arabidopsis thaliana but smaller than Carica papaya, having a size of 350 Mbp. Compared to the Arabidopsis thaliana genome, Carica papaya genome has lesser disease resistance gene analogues. It also has minimal angiosperm gene set and lacks a recent genome duplication, which is unusual for other angiosperm genomes so far sequenced. The genome of Carica papaya is largely euchromatic but also has highly condensed heterochromatin knobs that represent 30–35% of its genomic DNA. In Arabidopsis thaliana genome too, there are euchromatic and heterochromatic regions. Most protein coding genes in Arabidopsis thaliana reside in the euchromatic regions while heterochromatin regions around the centromere have transposons and other repetitive sequences. In fact, in Arabidopsis thaliana account for around 10% of the genome, almost one-fifth of the intergenic DNA. The genome assembly of Ricinus communis is fairly fragmented with several megabase-sized scaffolds. Fifty percent of the Ricinus communis genome is found to be repetitive DNA, one-third of which is retrotranposons and less than 2% DNA transposons. BLASTZ alignment studies of chromosomal segments of Carica papaya with syntenic regions in Arabidopsis thaliana have shown that 34.8% of Arabidopsis thaliana genes in any one segment correspond

Fecal Incontinence Essay Example | Topics and Well Written Essays - 4500 words

Fecal Incontinence - Essay Example They become housebound and prefer to pass the day very close to the toilet to avoid losing feces. The exact incidence of FI is uncertain because of patients' hesitation to seek help from their physicians. Women seem to be at higher risk, mostly due to obstetric damage to the anal sphincters; however, during the last decade, an increasing interest has been dedicated to those forms of FI related to nontraumatic factors, which reach a relevant incidence (Bharucha, 2003). Older subjects are at very high risk, especially those with disabilities and those who are institutionalized. Moreover, young people are often affected. These factors create a significant economic impact for society, not only due to direct and indirect costs, but also due to intangible costs. FI may result from a variety of pathophysiological situations, and various risk factors can cause a wide range of inability to control feces passage. Therefore, an accurate diagnostic workup of each patient is fundamental. Although not fully agreed upon by all physicians, a multimodal diagnosis, using a multiparametric evaluation, seems to allow the most thorough understanding of FI pathophysiology and to indicate optimal treatment. These are really the most important and challenging aspects of FI management. Indeed, a wide range of therapeutic options is available, including conservative, rehabilitative, and surgical procedures. Highly variable rates of defecatory dysfunction and fecal incontinence have been reported, which most likely reflects the heterogeneity of the populations studied, the use of non-standardized questionnaires, a variety of definitions in terms of frequency of defecation or fecal loss, and patient reluctance to disclose these potentially embarrassing problems. Aging has been consistently identified as a major risk factor for the development of fecal incontinence, and the prevalence has been reported to approach 50% in nursing home residents (Cook and Mortensen 2002). A recent study of m ore than 3,000 community-dwelling women found a population-adjusted prevalence of 7.7% when fecal incontinence was defined as loss of liquid or solid stool at least monthly. The prevalence of fecal incontinence increased linearly with age (Melville et al., 2005). Many patients are reluctant to seek medical attention for bowel disorders because of embarrassment and social stigma. Primary care providers, including obstetricians and gynecologists, are therefore integral to the successful disclosure of such problems by routinely inquiring about bowel function during periodic health care visits. The Research Problem The problem with fecal incontinence is that it often goes undiagnosed and untreated in elderly patients mainly due to the social stigma attached to it. Not only are the patients reluctant to admit the problem, the physicians often fail to ask about the problem due to similar embarrassment that the patients feel or due to the fact that they think the problem to be insignificant. In the older age groups this is particularly significant since it is common in them. Large population surveys have revealed that above age 65, the prevalence is 3% to 7%. Many elderly people are forced to get admitted into nursing homes due to this problem so much so that the prevalence is as high as 50% (Perry et al., 2002). As highlighted by Bharucha et al. (2005), the financial

(Environment and Health) A Report on a topical issue pertaining to the Essay

(Environment and Health) A Report on a topical issue pertaining to the encironment that identifies the public health significance of the issue and the extent - Essay Example Ground Level Ozone that has a chemical structure known as O3, is a pollutant formed with particular compounds in the presence of sunlight. The general formula for this reaction is as follows: VOCs + NOx + Sunlight = Ozone. VOC stands for volatile organic compounds. These are ingredients that are commonly used in homes, in the form of fuels, cleaning, disinfecting, paints, varnishes, wax, cosmetic, degreasing, etc. Some of these are relatively safe, while some are quite toxic. Though there are many manmade sources of VOCs, there are many natural sources too, such as trees (CAQF Fact Sheet two, 2007). The next constituent in the equation is NOx, which stands for nitrogen oxide gases. This is a general term that is used to refer to a group of highly reactive gases. All these gases contain nitrogen and oxygen in differing quantities. Main sources of NOx include automobiles, electric utilities, as well as commercial, industrial and residential sources that use fuels (Cornwall County Council, 2007). With these two ingredients reacting in the presence of sunlight and hot weather conditions, ground level ozone forms. When this forms, cloud cover and wind direction are affected. Also low wind speeds result1. Lung damage experie Ground Level Ozone Impact on Public Health: Ground Level Ozone is known to: aggravate asthma irritate your respiratory system reduce lung function inflame and damage cells that line your lungs aggravate chronic lung diseases cause permanent lung damage (Jonson et al, 2000, 14562-14573) Lung damage experienced through Ground Level Ozone may occur without any detectable signs. Individuals living in regions that frequently have high levels of ozone tend to experience diminishing symptoms. However, while the symptoms may diminish, the damaging effects continue. Efforts to combat this have included awareness of Ground Level Ozone peak hours. People are advised to simply stay indoors at these hours, regardless of you not feeling any symptoms (Jonson et al, 2000, 14562-14573). Past Measures to Reduce the Impact of Ground Level Ozone: Efforts have been made to determine what levels of Ground Level Ozone are harmful for people in general. There are standards established that are generally accepted. However, they are not specific. One main reason why this is so is due to the fact that different people are known to react differently to Ground Level Ozone. It is said that a lot of this behavior is influenced by age and genetics2. Another effort to help people keep themselves safe during Ground Level Ozone peaks includes the development of an AQI [Air Quality Index]. This index is scales the levels, and indicates the levels through color codes. This makes it easy for the common man to understand when Ground Ozone Level is reaching damaging levels (Jonson et al, 2001, 526-536). With stations for real-time measuring Ground Level Ozone in different areas, it can be asserted that the data collected is quite accurate. This information is collected and compiled to produce animations and maps that allow the common man to understand the exact status of the Ground Level Ozone. However, it can be argued that with this data, it is difficult to determine areas that do not have a Ground Level Ozon