Cubism as a Modern Movement Free Essays

Midterm Essay Exam Analytical Synthetic Cubism and Modern Art Analytical Cubism, designed by Pablo Picasso and Georges Baroque, is the aesthetic style of making shapes and subtleties that speak to an item or individual. Braque’s Violin and Palette (Figure 1 beneath) is an extraordinary case of Analytical Cubism. Extravagant took an item, the violin, and separated it into a progression of shapes that just speak to what a violin is from different perspectives. We will compose a custom article test on Cubism as a Modern Movement or on the other hand any comparable theme just for you Request Now â€Å"l no longer have faith in anything. Articles don’t exist for me with the exception of to the extent that a compatibility exists between them r among them and myself. At the point when one achieves this concordance, one arrives at a kind of scholarly non-presence what I can just depict as a condition of harmony which makes everything conceivable and right. Life at that point turns into an unending disclosure. That is genuine poetry,† Georges Baroque. Figure 1, Georges Braque’s Violin and Palette Synthetic Cubism, additionally created by Pablo Picasso and Georges Baroque, gradually got created through investigative cubism. They created it by rehashing diagnostic plans in their work along these lines summing up the articles considerably all the more creation them all the more metrically basic and level. Collection was a gigantic piece of the manufactured style, supplanting painted items with the genuine article pastes onto the canvas. Picasso Still Life with Chair Caning (Figure 2 underneath) is a magnificent case of engineered cubism. Engineered cubism’s utilization of workmanship made by craftsmen joined with craftsmanship made by maker and is regularly supposed to be the primary Pop Art. â€Å"In Cubism, at long last what was significant is the thing that one needed to do, the goal one had. Furthermore, that one can't paint,† Pablo Picasso. Figure 2, Picasso Still Life with Chair Caning Their are many particular contrasts among Analytical and Synthetic Cubism. The first and most important being the utilization of montage in engineered however not in systematic cubism. For instance rather than Picasso painting the seat caning into the work of art of his Still Life with Chair Caning, he basically connected it onto the image as though it had a place onto the canvas. Contrast that with how Baroque made the violin in Violin and Palette, everything is painted onto the image and is to some degree unmistakable as the item from which it speaks to. Diagnostic Cubism despite everything had a component of three dimensionality while Synthetic Cubism lost all feeling of three dimensional space and was Just two dimensional and level. Diagnostic Cubism likewise included utilizing quieted hues so the attention was on arrangement and the difference in context while Synthetic Cubism utilized splendid hues just as designs, words, and other media. Manufactured Cubism additionally had considerably more unmistakable geometrical examples and surfaces. Expository Cubism made ready present day workmanship breaks conventional meaner of how things are spoken to. It forsakes viewpoint and forgoes practical suffering of figures and questions and replaces that by making illustrative shapes in the arrangement. Foundation is mixed into frontal area. Engineered Cubism made ready for Pop Art utilizing other media based issue and incorporating it into the creation. â€Å"Cubism made ready for geometric conceptual craftsmanship by putting an altogether new accentuation on the solidarity between the portrayed scene in an image, and the outside of the canvas. Its developments would be taken up by any semblance of Piety Mandarin, who kept on investigating its utilization of the matrix, its theoretical arrangement of signs, and its shallow pace,† (Wolf). Cubism was the initial step of current workmanship towards deliberation. Cubism concentrated on building up a method of survey that mirrored the cutting edge age. Mechanical advances lead to the ascent of this new style, with the development of vehicles, planes, cameras, telephones, sound account and cinematography, craftsmen required another method of passing on these articles and advances. Cubism straightforwardly affected Futurism, Vortices, Supremacist, Constructivism, and Expressionism. Present day art’s timeframe incorporates roughly from the sass’s to the sass’s, cubism happens in the early sass’s so it falls into his time period. Present day craftsmanship is workmanship that generally separates the conventional style of workmanship and exploring different avenues regarding better approaches for seeing their general surroundings. Present day craftsmanship moves from the account and turns out to be increasingly unique. This obviously fits into the cubist development the Picasso and Baroque made. The idea of Modern Art depends on the cutting edge thought, character, and practice of Modernism. It created from the ascent of ventures, quick development of city life, and first universal war. Innovation mirrors the ascent of the progressions in conventional reasoning that were viewed as obsolete, these incorporate workmanship, design, writing, religion, social structure, and day by day life. This adjustment in intuition brought about the slow change to present day workmanship and innovation. The two types of cubism, investigative and engineered, follow this training. Seeing regular daily existence and life’s items and figures in another manner is the thing that cubism is. Braque’s violin in Violin and Palette Picasso Still Life with Chair Caning show this style of manner of thinking. Braque’s violin shows each view point and edge of a violin all simultaneously, testing the possibility of conventional reasoning. The entirety of the previously mentioned subjects consider how both logical and engineered cubism are a piece of the cutting edge development and how the two are not quite the same as one another. The two of them challenge customary reasoning and craftsmanship by changing the manner in which the world is seen and what workmanship can be. The contrasts between the two incorporate execution, the utilization or neglect of arrangement, and the shading plans associated with both. Diagnostic cubism doesn’t use collection methods, has a quieted shading palette, and is progressively three dimensional. Engineered cubism utilizes arrangement strategies, has progressively an increasingly energetic lour palette, and is two dimensional. Both are a piece of innovation and both vigorously impacted a considerable lot of the craftsmanship developments that showed up later in the cutting edge workmanship time. â€Å"Cubism came about in light of the fact that, during the time spent breaking down structure, something that lay in the structure, a plane, could be lifted out to drift on its own†¦ † Joseph Plackets). Realistic Champs De Mars: La Tour Rouge. Robert Delaney Bibliography Baroque, Georges. Cubism Art Quotes. Picasso, Pablo. Cubism Art Quotes. Plackets, Joseph. Cubism Art Quotes. Wolf, Justine. 2012. The Art Story Foundation. The most effective method to refer to Cubism as a Modern Movement, Papers

Analyse how Public Relations communications theory can help an Essay

Break down how Public Relations correspondences hypothesis can help a comprehension of the job of new media - Essay Example Close to the century's end, as business enterprises turned into the predominant establishments of our occasions, the extent of PR broadened and expected new jobs in the business domain of item showcasing. At the introduction of the new thousand years, the ascendency of advanced innovation into the standard has by and by improved and reclassified the nature and job of advertising industry. Regardless of the development and change of vehicles of correspondence in the course of the only remaining century, the pith of PR industry has stayed pretty much the equivalent. At the end of the day, the hypothetical system inside which the PR business works is appropriate across media advances, both new and conventional. This article will relate itself to the examination of how Public Relations interchanges hypothesis can help understanding the job of new media. Initially, new media is a term that is utilized to allude to a scope of correspondence choices that fall along a range. The examination group of Diana Owen and Richard Davis have accomplished broad systematic work on new media. They depict the wide scope of new media advancements in this manner: â€Å"At one end are interchanges stages dependent on old advances that have taken on new political jobs, for example, radio and TV talk projects, tabloids, and TV news magazines. In the range are blended or half breed media that join components of conventional media with more up to date advances. These incorporate 24-hour link news programs and the Internet locales of papers and magazines. On the most distant finish of the range are new media that have created because of new innovation that has been put to novel political employments. Web applications, for example, long range informal communication Web destinations like Facebook and MySpace, online journals, video-sharing locales including YouTube, and digital broadcasts fall into this category.† (Owen and Davis, 2008) What we gain from the historical backdrop of PR hypothesis in the course of the only remaining century is the recognizable proof of

What Happens To Your Debt When You Die

What Happens To Your Debt When You Die What Happens To Your Debt When You Die? What Happens To Your Debt When You Die?Once you shuffle off this mortal coil, your debts will get paid back out of what you leave behind. But dont worry, debt cannot be inherited.Death! Who doesn’t love thinking about death! Oh wait, pretty much everybody? Yeah, we have to admit that we don’t like thinking about it either.But that doesn’t mean you should avoid thinking about how your financial affairs will be handled after you pass, especially if you’re in retirement or getting close to it. Heck, if you are an adult of any age and you don’t have a will, you should probably get one of those, stat.One of the questions that a lot of people have about death involves their debt. What happens to it after you die? Does the money you owe on your credit cards expire as well and go to some sort of financial heaven or hell? What about mortgage debt or student loan debt or unpaid bad credit loans?We may not be able to tell you what’ll happen to you when you die, but we can  what’ll happen to that debt.Your debts don’t disappear when you die.Debt is like the memories of your loved ones: it will persist long after you’ve perished from this earth. Just because the person who owes a debt has passed away, that doesn’t mean that the debt ceases to exist. That creditor is still owed that money.The question becomes: Will they ever get paid back? And the answer is: They will certainly try, but it will depend on a couple different factors.First, it will depend on who was responsible for the debt. If you took out a credit card that was in your name only and you die with an outstanding balance still on that card, then your heirs will not be responsible for paying it back. A person’s debt doesn’t die with them, but the obligation to repay that debt certainly can.Now, if you took out a joint credit card with your spouse, then when you die your spouse will be liable for paying off the remaining balance. Since you are both listed on the contract, you are both respo nsible for the debt. This comes into play quite frequently with home mortgages. One person dies and their spouse is still responsible for paying back the loan.(There are also certain exceptions to this rule if you live in a “community property” state. More on that below.)Then there’s the issue of the “estate” you leave behind when you die. And here’s where dying with a lot of outstanding debt can really punish the loved ones left behind.Debts will get paid back out of your estate.When a person dies, they usually leave a lot of stuff behind. That can include a house, a car, furniture, jewelry, and money in their bank accounts. This is commonly referred to as a person’s “estate” and it is the sum of their net worth.That estate will then get divided up between the person’s heirs. (This is where a will comes in super handy.) But they are not the only ones who have a claim to that estate. The deceased person’s creditors do as well.The good news for the heirs of a de cedent is that you cannot inherit a debt unless you were a co-signer on the account,” says attorney Ted Bond, Jr., an expert in estate planning and founder of The Law Offices of Thaddeus M. Bond, Jr. Associates, P.C. “This does not, however, mean that the debt simply goes away because a person passes away. When a person dies, they leave behind an estate which constitutes all of their remaining income, assets,  and liabilities. If the estate has sufficient funds to pay the debts, they must be paid. If the estate has insufficient funds, the debts are canceled and do not transfer to the family of the person who passed away.So while it’s impossible for a debt to be passed from parent to child, like red hair or a crippling fear of snakes, it is very possible that a debt can cancel out any inheritance that the child would stand to get. If your parent died with an outstanding installment loan or even a payday loan or title loan, that debt will get paid before you do.  However, some states have protections for the benefits from life insurance policies.While creditors will generally get first crack at an estate before any potential, there is an additional hierarchy amongst those creditors. As Bond puts it:Certain debts are given priority and must be paid first: funeral expenses, tax debts, or money due to employees of the decedent are common priority claims. The exact order those debts must be paid is dependent upon the laws of the state where the person resided on the day of their death. It is important to know that you cannot expect to receive any type of inheritance until the estate’s debts are paid. Most states have a procedure set up for creditor claims to be filed against an estate which include strict time limits. Final distribution to the heirs cannot take place until those time limits have expired.If you live in a “community property” state the rules for inherited debt are different. So far we’ve talked about how the only person legally obligate d to pay back a given debt is the person (or persons) whose name is on the loan agreement. Well, if you live in a community property” state, that’s not exactly the case.The rules of community property state that a person is responsible for any debt taken out by their spouse during the marriage. This means, for instance, that they would be responsible for any outstanding credit card debt that their spouse accrued while they were married. But it also means that they wouldn’t be for the student loans or personal loans that their spouse took out before they had gotten hitched.The states that observe community property are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington,  and Wisconsin.And speaking of student loans, those can be a special case. Federal student loans are discharged upon the death of the borrower, but private student lenders will try to collect from the borrower’s estate or will hold the co-signer responsible for repayment.The less debt you have, the more money you’ll be able to pass on.According to the credit experts at Experian, 73 percent of Americans die with outstanding debt, with an average debt load almost $62,000. The majority of that is mortgage debt, with the average amount of personal debt totaling almost $13,000.So while you don’t have to worry about sticking your heirs with a bunch of uncollected debts, you should be concerned about those debts eating up their inheritance. The less debt you have and the more money you save, the more you can pass on when die.To learn more about handling your debt (or how to avoid taking out debt altogether), check out these related posts and articles from OppLoans:The OppLoans Guide to Consolidating Student Loan DebtWant to Avoid No Credit Check Loans? Build an Emergency FundAre Balance Transfers a Good Way to Pay Down Debt?Have you had a debt collector try to collect a debt they said you inherited? Let us know!  You can  email us  or you can find us on  Facebook   and  Twitter.ContributorsTed Bond, Jr. has been practicing law in his native Illinois for over 25 years. Since founding  The Law Offices of Thaddeus M. Bond, Jr. Associates, P.C. in 1996, he has helped many families with estate planning such as wills, trusts, powers of attorney and probate court matters. His law firm also tries real estate, family law and business cases throughout Lake County and nearby areas of northern Illinois.

Creativity Is The Base Of Human Development - 1837 Words

Creativity is the base of human development. School’s were first created to help their people to be skillful and mentally capable of withstanding all problems. Times have changed, and the morals of education have altered as well. In today’s world students from the U.S. are taught and pushed to memorize information instead of being encouraged to learn how to think critically through it. Professors should emphasize more on the importance of ingenuity, than the importance of getting a good grade. Although schools in America have flourished, the individuality of these students has decreased. Today s educational system has affected creativity in a negative manner because there is more to intelligence than one s capacity for logic. The†¦show more content†¦Overall, students, teachers, and parents need to teach children and young adolescents the significance of creativity and how it can positively affect one’s life. â€Å"IBM poll of 1,500 CEOs identified creativity as the No. 1 â€Å"leadership competency† of the future† (Bronson and Merryman). Creativity consists of both convergent and divergent thinking. Convergent thinking deals with the skill and drill mechanisms of the brain; the idea of an answer is either right or wrong. Divergent thinking consists of being able to construct multiple solutions to one problem. Brainstorming would be an example of divergent thinking because it is an outline of possible ideas connected to one topic. Within a classroom convergent thinking is more addressed and taught, than divergent thinking which could be a possible reason towards why creativity scores have plummeted. A common misconception of creativity is those who are more talented within the arts are more likely to be skilled within the area of originality. Although, psychologist and professor at the University of Georgia’s Mark Runco stated that, â€Å"when scholars gave creativity tasks to both engineering majors and music majors their scores laid down within the same averages and standard deviations† (Bronson and Merryman). Creativity, like any other material, can be trained, practiced, and manipulated to become muscle memory. Dancers, athletes, musicians, and artists each represent different forms of creativity and perfected.

Suicide At The France Telecom - 2419 Words

Marlon Alonso Kelly Shaw Mark Thomson Andrew Difrancesco â€Å"Suicide at The France Telecom† 1. What are the business and the ethical issues? Why does making an ethical decision in this case become a dilemma? Many ethical issues arise from such a wave of suicides, especially coming from France Telecom which in one of the most successful companies in France in the telecommunications field was involved in a controversy when 23 of its employees committed suicide . The were losing high level workers that have been working for the company for years. Also, they have to pay off a large amount of debts due to the downfall of their stock prices. Other business problems were the heavy workloads because they were not a lot of employees to do the job and only one person was responsible of doing all the job, the lack of control was a big issue in this company because they were very unorganized with their employees and assigning jobs, poor communication, job security because they were losing their jobs, and lack of management support. This company had several problems and difficult si tuations that required that a person or the organization as a whole to choose between alternatives that must be evaluated as right or wrong. This lead to some ethical issues in this case, such as how the human resources department were creating programs with the goal of eliminating employees from FT’s payroll and also reassigning employees to new positions, which might involve relocation andShow MoreRelatedThe French Republic Of France2176 Words   |  9 Pages The French Republic of France is located in Western Europe. It’s history dates back as far as Julius Caesar and the Romans. One could easily write a lengthy paper simply addressing the history of France. Just looking at the last 5 centuries for France alone, one could fill books with the information. Between the wars of Religion in the late 15th century, the Enlightenment and Reign of Napoleon during the 18th Century, and the World Wars of the 19th century, France has experienced monumental changesRead MoreMargaret Thatcher s Opinion On His Tenure As Prime Minister1948 Words   |  8 Pagesside of the economy, such as curbing trade union power. Privatisation was often done very successfully and many of the companies that were privatised survived and some provided better services - as an example, in 1984 the privatisation of British Telecom (BT) occurred. Waiting lists for telephones decreased and then disappeared, and faults were generally fixed quicker after it become a pr ivate company. These successes Conservative government claimed that despite the family silver being sold, at leastRead MoreThe Definition Of Ethical Hacking2042 Words   |  9 Pagesof 18 (or age of â€Å"adulthood†), as they do not believe the person capable of criminal intent in the same way an adult can be. Ethics are different in different places for example euthanasia and assisted suicide. Active euthanasia is legal in the Netherlands, Belgium and Luxembourg and assisted suicide is legal in Switzerland, Germany, Albania, Colombia, japan and the US states of Washington, Oregon, Vermont, New Mexico and Montana [1]. These are the only places that allow people to end the life of anotherRead MoreBusiness Ethics : Ethical And Socially Responsible1890 Words   |  8 Pagesand covered up his filth. Once ruined, it thus becomes very difficult to re-establish a company’s ethical culture. It is not always easy to sustain a strong ethical culture, especially when going through a rough phase. This was the case for France Telecom that struggled with huge debt and thus attempted to become leaner by shedding its past image of a safe haven for employees. Combination of French employment laws, changing market demands and global competition created a brutal corporate cultureRead MoreWal-Mar Global Expansion Strategy10037 Words   |  41 Pages The Adolescence of Wal-Mart 2. Channel of Distribution 3. The Financial Facts and Figures 4. Unique Expansion Strategy 5. Corporate and Management Culture C. The Competition in the United States D. Wal-Mart’s Global Strategy E. Expansion Target: France General Overview Retail Industry Overview Macro Environmental Analysis External Factors Micro Environmental Analysis Porter’s Five Forces Model SWOT Feasibility Study Recommendation F. Expansion Target: Israel General Overview Retail Industry OverviewRead MoreChina Shakes t he World Book Summary Essay3836 Words   |  16 Pages2010 (in 1998, 1.4 million). But it should be clared out that a massive urbanization is going on in almost every towns and cities. The urbanization rate in China is almost 70 percent, 90 percent in United Kingdom, 90 percent in USA, 80 percent in France, Germany is 77 percent. So, this rapid urbanization in China brings to mind another important question: energy need.( steel, aluminum, copper, nickel, iron ore, oil, gas, coal and others†¦). Around seven hundred million people are thought to liveRead MoreInternational Management67196 Words   |  269 PagesSimplification Similarities across Cultures Many Differences across Cultures 145 146 148 148 Cultural Differences in Selected Countries and Regions Doing Business in China Doing Business in Russia Doing Business in India Doing Business in France Doing Business in Brazil Doing Business in Arab Countries 152 153 155 157 158 159 160 Table of Contents xix The World of International Management—Revisited Summary of Key Points Key Terms Review and Discussion Questions Internet Exercise:Read MorePrimary Sector of Economy17717 Words   |  71 Pages| 2.1% | 7 |   Japan | 81.975 | 1.4% | 2.0% | 8 |   Russia | 79.166 | 4.2% | 1.9% | 9 |   Turkey | 70.205 | 9.2% | 1.7% | 10 |   Australia | 60.296 | 4.0% | 1.5% | 11 |   Iran | 53.206 | 11.2% | 1.3% | 12 |   Spain | 50.704 | 3.3% | 1.2% | 13 |   France | 47.741 | 1.7% | 1.2% | 14 |   Mexico | 46.223 | 3.9% | 1.1% | 15 |   Pakistan | 44.125 | 21.6% | 1.1% | 16 |   Argentina | 43.518 | 10.0% | 1.1% | 17 |   Italy | 42.668 | 1.9% | 1.0% | 18 |   Thailand | 41.406 | 12.2% | 1.0% | 19 |   South KoreaRead MoreExploring Corporate Strategy - Case164366 Words   |  658 Pagesand the sector underwent consolidation. The speed and aggression of generic attacks on branded products increased sharply. Given the number of blockbuster brands facing patent expiry and markets with untapped potential (for example, Italy, Spain, France, Japan), it is not surprising that growth in generics outstripped overall market growth from 2002 to 2005. A new type of industry player appeared in the 1980s – small biotechnology start-ups backed by venture capital to exploit the myriad opportunitiesRead MoreDubais Political and Economic Development: Essay38738 Words   |  155 Pagesmillion.256 Sutton and Payne argue that small states like the U.A.E. typically enter into alliances with powerful states to augment their security.7 As a major oil producer with deep trade links to major Western countries such as the U.S., Britain, France, and Japan, Abu Dhabi Davidson 275. Ibid. 25 1 Gause 40. 252 Byman and Green 73. 251 Peterson, The United Arab Emirates: Economic Vibrancy and US Interests. 254 Davidson 79-80. 255 Paul Sutton and Anthony Payne, Lilliput under Threat: the Security

Strategic Review of Australian Department Store David Jones Free Essays

David Jones Limited (DJS) is an Australian retailer tracing its origins back to 1838 when it first opened in Sydney to sell â€Å"the best and most exclusive goods† (DJS, 31 Oct. 2009). It has since expanded to become a national retail chain comprising of nearly 40 premium department stores. We will write a custom essay sample on Strategic Review of Australian Department Store David Jones or any similar topic only for you Order Now The subject of this analysis is a strategic business unit (SBU) that is playing an increasingly important role in the company’s future growth strategy; namely the provision of financial services. As the result of a strategic alliance with American Express (AMEX), DJS launched the David Jones American Express (DJA) card in 2008 (ASX Media Release, 20 February 2008). To effectively analyse the value proposition of this SBU and product it is important to first examine the overall value proposition of the company. As defined by Kotler, a company’s value proposition is the set of benefits which it promises to deliver to consumers in order to satisfy their needs (Kotler et al. 009). In the case of DJS these core benefits are the provision of an â€Å"empowering level of customer service†, a distinctive store ambiance, a unique and high quality product range and international brand portfolio offered at competitive prices, and a mission statement to â€Å"be the best full line, differentiated department store† (DJS Enterprise Agreement 2006). Key aspects of this proposition include the company’s focus on quality, luxury and aspiration. In terms of Maslow’s hierarchy of needs it demonstrates a desire to deliver an experience and array of products which satisfy needs of belongingness and self-esteem in a potential buyer (Maslow 1954). It also forms the basis for the company’s positioning strategy and its marketing orientation towards customer satisfaction (AFR Boss Magazine, October 2009, p. 22). The company strives to deliver these key benefits to a primary target market consisting of â€Å"three generations of women (daughter, mother, grandmother) from households with above average disposable incomes† (DJS JP Morgan Conf. October 2009). In other words DJS has a segmenting, targeting and positioning (STP) strategy that is female skewed and aimed at the affluent ‘AB demographic’ which constitutes the top 20% of the socio-economic quintile based on education, income and occupation (Roy Morgan, 2009). The value proposition of the DJA card dovetails into this broad set of company values , offering an array of additional benefits and functionality for DJS customers that compliment the company’s market position as an aspirational brand (ASX Media Release, 20 Feb. 2008). Whereas historically the company’s branded store card was only accepted in DJS stores, the DJA card offers customers credit facilities at any merchant who accepts AMEX. It therefore leverages the AMEX brand as a leading global payments, network and travel company with its corresponding level of acceptance to offer DJS customers additional credit purchasing power and functionality (AMEX, 31 Oct. 2009). The DJA card also offers unique reward benefits and gift points to loyal customers, professing to â€Å"turn everyday spending into dream brands and dream destinations† (DJS, 31 Oct. 009). The value propositions of DJS and DJA can be considered effective for a number of key reasons. Firstly the core beliefs which underpin these value propositions have remained largely consistent over time, with only small changes in response to evolving markets. This is important given they act as the foundation of a company’s brand building process (MM 2009, p. 2-34). Secondly they are unique, leveraging DJS focus on luxury and aspiration to help differentiate product offerings like the DJA card from that of competitors. Thirdly these values augment the company’s segmenting and positioning strategy by providing clear benefits targeted to their core customer base. Lastly the value proposition is well communicated, permeating all aspects of their marketing mix and integrated marketing communications strategy through mediums such as in-store branding, direct mail, print media, publicity, and online marketing. An overall analysis of the five C’s was conducted for the DJA business unit: Company| Strengths: Joining of two strong brands, reduction of risk for DJS, wealthy customer base, strong growth of financial services, distinctive ‘house of brands’. Weaknesses: Potential damage to DJS brand by alliance partner’s actions, fee structure, lack of acceptance of AMEX cards generally, higher merchant fees associated with AMEX. Opportunities: Store expansion increasing reach of customer base for DJA card, expansion of DJA alliance, supplementary card, status program. Threats: Cardholder resentment at annual fee, alliance partner motivations, Myer IPO, supermarket co-branded cards, AMEX debt recovery procedures. | Customers| DJS retail: â€Å"DJ’s core customer comprises of 3 generations of women; daughter, mother, grandmother, with a household income of $75,000 p. . † (Macquarie Australia Confere nce, 2009, Mark McInnes). As the DJA credit card is a product development strategy, of supplying new products to existing markets, the customers of DJA are essentially the same as the current DJS customers. | Collaborators| Strategic alliance with AMEX in the provision of the DJA credit card. International alliances with o ther retail stores when the DJA card is used within their stores (eg. Harrods, Harvey Nichols, etc. ). Other local ‘bonus partners’ in the DJA reward program (eg. Vintage Cellars). Competitors| DJs competitive environment is summarised using the following adaptation of Porter’s Five Forces (Porter, 1908, in MKMT, 2009, 1-26). Industry Competitors: Mastercard, Visa, and other smaller credit card providers. Along with other AMEX co-branded credit cards and store cards. New Entrants: Barriers to entry in the credit card market are high including capital for lending and the setup of infrastructure. Although these issues can be mainly overcome by forming a strategic alliance with one of the major credit card providers, as has been done in the case of the DJA credit card. Substitutes: There are a number of substitutes to the DJA credit card including EFTPOS direct from bank accounts DJS store cards, Visa Debit and cash. Power of Suppliers: Threat of forward integration by alliance partner AMEX. | Context| DJA’s operating context is defined using the following adaptation of PESTLE model (MKMT, 2009, 1-29). Political: Operating within each Australian State requires understanding of a multitude of separate state governments’ regulators, government policy and the impact on consumer confidence in the provision of credit cards. Proposed changes to the National Consumer Credit Regime currently being considered by the Federal Treasury. Economic: Performance of the credit card sector is closely linked to consumer confidence within the market, key indicators affecting consumer confidence include; GDP growth, unemployment rates, interest rates, banking sector health, public sector debt. Increasing levels of private sector credit card debt. Socio-Cultural: Current trends in fashion affecting ‘house of brands’ and indirectly the DJA card. Societal downward trend away from carrying and transacting with cash towards the use of alternative point of sales payments. Technological: New competitors in the form of online shopping experience. Legal: Operating within numerous legal jurisdictions requiring understanding of each unique jurisdiction in relation to providing financial services. Environmental: Current push towards credit card companies to introduce paperless billing. Demographic: Increasing standard of living in Australia leading to greater take up of credit cards and other lending avenues. Ageing population in Australia which is aligned with the DJS brand and the DJS core customer base. | SWOT Analysis (MM 2009, 1-25) Strengths: (S1) Brand strengths: David Jones is a strong iconic Australian brand with 170 year history (DJS JP Morgan Conf. , Oct 2009) and David Jones has offered branded credit cards to its customers for 48 years (McInnes, National Consumer Credit Regime, 12 June 2009). American Express formed in 1850 and in the 1950s, issued its first credit card (AMEX, 31 Oct. 2009). The DJA card capitalises on the strength of both brand heritages and service cultures, both locally and internationally (ASX Media Release, 20 Feb. 2008). S2) Strong financial structure with reduced risk to DJS: Alliance partner is responsible for the credit policy and owns the receivables of the Financial Services business with the transfer of $374. 3m of largely debt funded receivables to American Express (DJS FY09, 24 Sept. 2009) and so the risk associated with the portfolio sits with AMEX not DJS. (S3) Wealthy customers: Core customers have above average disposable income with a hous ehold income of greater than $75,000 (DJS JP Morgan Conf. , Oct 2009). (S4) Strong growth of financial services: 7. % growth in past year and same projected over next four years and large growth in core customer base (DJS JP Morgan Conf. , Oct 2009). (S5) Distinctive House of Brands: positioning with the best product range, great service and the reinvigoration of high-value stores (David Jones FY 09, 24 Sept. 2009). Each DJS offering needs to be distinctly branded in a way which creates an individual brand relationship with the customer whist also aligning with the overall position of the master brand of DJS itself (Aaker and  Joachimsthaler 2000). (S6) Growth of brands: Strong range of national and international brands (DJS JP Morgan Conf. Oct 2009). The growth of these brands via ‘the introduction of 50 new department store exclusive brands to its portfolio across all categories’ at DJS stores is more attractive to buyers (Samador, 28 Nov. 2008). (S7) Fee structure: High membership fees, merchant fees, and credit fees generate more cash for generous rewards program. Weaknesses: (W1) Risk of DJS brand being linked to AMEX: DJS brand linked to AMEX credit policy and debt recovery. AMEX are perceived to be a pushy credit provider, with one shareholder describing AMEX as a â€Å"low grade† card that diminishes David Jones’ â€Å"prestigious reputation†, (Samador, 28 Nov. 2008). (W2) Fee structure: Internal shareholders resistance to the $99 annual membership fee and 20. 49% per annum interest rate (the DJS Store card was free to join). (W3) High merchant fees and low merchant acceptance: AMEX merchant fees are the highest of all mainstream credit cards on offer in Australia (RBA, 6 Nov. 2009). This has led to lower acceptance of AMEX compared to MasterCard and Visa Australia wide. Overall AMEX and DJS have complimentary and mutual strengths that compensate for their individual weaknesses, giving them greater combined strength. Opportunities: (O-1) DJA credit card usage outside DJS stores: The strong history of the store-card (McInnes, National Consumer Credit Regime, 12 June 2009) and the high proportion of store-card holders in the DJA card program (Samador, 28 Nov. 2008) imply that card usage is likely to continue to be concentrated in-store. Given national expenditure in Department Stores accounts for less than 9% of total retail spending (ABS Retail Trade, Sept 2009); there is large opportunity for DJA to grow revenue through usage in the wider retail market. O-2) DJA credit card usage inside DJS stores: The DJS store-card is held by many cardholders as a status symbol (Hanson, 2009, pers. Comm, 30 Oct. ). DJA may build on this perception to encourage greater spending in-store and greater in-store usage of the DJA card. (O-3) DJA cardholder expansion: The DJA card program inherited 400,000 active accounts from DJS (McInnes, National Consumer Credit Regime, 12 June 2009). However this is a small percent age of the market, given there are over 14. 3 million credit card accounts in Australia (RBA, 6 Nov 2009). Increasing the number of DJA cardholders, within the target segment, is a significant opportunity for DJA. Leveraging the increased market coverage, to be achieved by the DJS store expansion program (DJS JP Morgan Conf. , Oct 2009), is one such means of increasing cardholder numbers. (O-4) Expansion of the DJA alliance: In addition to credit cards, AMEX offers a range of insurance products, travel and financial services (AMEX, 31 Oct. 2009). DJA currently offers insurance products and travel services to their cardholders through their Gift Points program (DJS, 31 Oct. 009). DJA may offer a wider range of AMEX insurance products, travel and financial services, under the DJS brand, to their existing DJA cardholders and DJS customers. Threats (T): (T-1) Resentment of the annual fee: Many DJA cardholders, whom had migrated from the DJS store-card, resented the newly imposed $99 annual fee (DJS, 31 Oct. 2009). The resentment of the fee is re-ignited annually when the fee is levied, such t hat cardholders will continue to re-evaluate the on-going benefits of the DJA credit card. T-2) Alliance partner AMEX: Under the DJA alliance, the merchant fee is waived on purchases made within DJS stores on DJA credit cards (Hanson, 2009, pers. Comm, 30 Oct. ). Given the DJA credit card history as a DJS store-card, a high proportion of spending is conducted within DJS stores, thereby limiting the merchant fees collectable by DJA. AMEX would benefit significantly by luring DJA credit cardholders to alternate AMEX products, so AMEX would receive merchant fees on card purchases within DJS stores. (T-3) The Myer IPO: Preferential share allocations were offered to Myer One cardholders in the Myer IPO (Business Day, 23 Sept. 2009). Current and potential DJA credit card customers may have been swayed away to the Myer One card program to benefit in the Myer IPO. (T-4) Supermarket linked credit cards: The co-branded credit card market is keenly contested by department stores, supermarkets and petrol companies to name a few. Monthly retail expenditure on food is over five times greater than department store expenditure (ABS Retail Trade, Sept 2009). Customers may elect to align their credit card with the retail store where they spend the most money, the most frequently. (T-5) AMEX Debt recovery procedures: Under the DJA alliance, debt recovery is handled by AMEX. Strong debt recovery procedures and activity from AMEX may reflect poorly on the DJA card and the DJS stores as customer may not differentiate between the two. References Ansoff, I. Strategies for Diversification, Harvard Business Review, Vol. 35, Issue 5, Sep-Oct 1957, pp. 113-124. Maslow, A. 1954, Motivation and personality, Harper and Row. Aaker, D. A. , ; Joachimsthaler, E. 2000, Brand leadership: Building assets in the information society, Journal of Consumer Marketing. Kotler, P. , Adam, S. , Denize, S. ; Armstrong, G. 2009, Principles of marketing, 4th edn, Pearson Prentice Hall. Marketing Management, 2009, AGSM MBA Programs Graduate Diploma in Management. ASX Media Release, David Jones selects American Express as its strategic alliance partner for its general purpose card, 20 February 2008. Mitchell, S. , AFR Boss Magazine, October 2009, p. 22 McInnes, M. , ; Goddard, S. , David Jones – JP Morgan Conference Oct 2009. David Jones, Full Year (FY09) Results: August 2008 – July 2009, http://www. davidjones. com. au/images/corp/pdf/2009/FY09_Results_24Sep09. pdf, 24 September 2009. McInnes, M. , National Consumer Credit Regime, http://www. treasury. gov. u/consumercredit/content/consultation/submissions/downloads/national_consumer_credit_regime/David_Jones. pdf , 12 June 2009) Reserve Bank of Australia, Credit and Charge Card Statistics, http://www. rba. gov. au/statistics/bulletin. html , September 2009 @ 5pm. Australian Bureau of Statistics, Retail Trade, http://www. ausstats. abs. gov. au/ausstats/meisubs. nsf/0/0C3F2426BB831DF3CA257662000E0A71/$ File/85010_sep%202009. pdf , September 2009, p6 ASX Media Release, David Jones Selects American Express as its Strategic Alliance Partner for its General Purpose card, http://www. asx. com. au/asxpdf/20080220/pdf/317jmwgpqdm2qr. df , 20 February 2008. Samador, L. , Investors Turn on David Jones Amex card, http://news. theage. com. au/business/investors-turn-on-david-jones-amex-card-20081128-6mtb. html, 28 November 2008. Business Day, Premier results add weight to timing of Myer float, http://www. businessday. com. au/business/premier-results-add-weight-to-timing-of-myer-float-20090922-g0ly. html, 23 September 2009. David Jones, David Jones Enterprise Agreement 2006, http://www. sda. org. au/images/awards/award13. pdf, Accessed 2 Nov. 2009. www. americanexpress. com, Accessed 31 October 2009 @ 5pm www. davidjones. com. au, Accessed 31 October 2009, @ 5pm How to cite Strategic Review of Australian Department Store David Jones, Papers

Public Speakin free essay sample

In the class, emphasis is placed on developing effective communicators through a variety of oral and written assignments. Course Rationale: At some point you will likely be called upon to stand before a group and deliver information, argue a position, present an award, introduce a guest speaker, or honor a special event or occasion. At these times, it is important that you command the audiences attention, demonstrate credibility, represent your position clearly and accurately, and speak with conviction.Core Competencies Gained by Students: * Knowledge of Human Cultures and the Physical and Natural World Analyze ultra diversity within the audience * Intellectual and Practical Skills Develop and master the skill of outlining Develop critical skills listening and thinking Design and use effective presentational aids Build confidence from positive criticism of presentation and delivery skills * Personal and Social Responsibility Become an ethical and effective communicator Learn effectiv e communication skills through developing and delivering presentations Decrease communication anxiety through increased preparation Course Objective: This course is designed to assist students in identifying and strengthening their specific public communication needs. It acquaints students with different forms and styles of human communication while parallelizing them with historical and modern rhetorical principles and applications. The goal Is for students to develop skills which will strengthen effective communication with business and professional associates as well as with family and friends. The course is based on the study of communication theory as applied to a variety of public speaking situations and social interactions. All assigned oral and written activities and collateral readings will develop and refine critical thinking, listening and fundamental immunization skills. Oral actively Include presentations, voice and diction Required Materials: Public Speaking Handbook, 2nd Edition by Steve A. Beebe ; Susan J. Beebe. A pack of 3 x 5 index cards COURSE POLICIES Attendance: In accordance with the Endgame Veers College/CUNY catalog, students are expected to attend class regularly. The success of your learning experience depends on the active contributions of everyone; therefore, your attendance is important. If your absence is excused, you must bring a verifiable excuse the class following your absence (or the next class you attend allowing your initial absence) for it to be accepted. See the Catalog for what is considered an excused absence. Your attendance is particularly crucial on speaking days for both the presentation of your own speech and your participation as an audience member. If you arrive after class has started you are late. Every two lateness equals an absence. If you arrive 15 minutes after class has started you will be marked absent for that day. You have two free unexcused absences (that you cannot take on a performance day); additional unexcused absences will result in a 5- point grade reduction. Make-ups: In a public speaking course, rescheduling a speech is very difficult. If you must miss your speaking day and your absence is excused, you may make up your speech at a time arranged by your instructor during the semester. This means that you must be prepared to give your speech at the arranged time. No make-ups for speeches will be given for unexcused absences. No late work will be accepted without the proper excuse. **** Special Circumstances: Students with learning or physical challenges that could affect your performance in this class should notify the instructor as soon as possible. Honesty: Academic dishonesty encompasses both cheating and plagiarism. Cheating includes obtaining or attempting to obtain or aiding another to obtain academic credit for work by the use of any dishonest, deceptive or fraudulent means. Plagiarism involves submitting the works of others as your own and includes improper source citation, no source citation, using materials prepared by another student, and using fictitious sources. The penalties for academic dishonesty range from receiving an F on the assignment or exam, to receiving an F in the course and may be reported to the university. Please consult the Endgame Veers College catalog for a full description of cheating and plagiarism.The speeches will be an Introductory Speech, a Speech of Demonstration, a Speech of Explanation, and Persuasive Speech (in that order). Information about what is expected for each speech will be provided in class prior to the performance date. Also, for all speeches, a typed outline of your speech (including references if applicable) is due on the day you perform. I will also provide grading rubrics for each speech. Quizzes ; Final Exam: There will be 8 quizzes throughout the semester, but only the 4 quizzes you score the highest on will be counted towards your final grade. The Final Exam will cover lecture material and chapter readings.Make-up exams will not be granted, UNLESS you can provide Ritter documentation verifying that your absence falls within the Endgame Veers College/CUNY s excused absence policy. Speech Analysis: You will write one brief (1-2 page) paper analyzing a speech performance that will be shown in class. Your paper must be typed and stylistically and grammatically correct. Readings: I will note in class if you need to read a chapter/section of the textbook before the following class. However, please remember that you are responsible for the entire chapter(s) on a test even if we do not cover everything in class. Simply, exam questions may come from material not covered during lectures.