Media Relations Assignment Example | Topics and Well Written Essays - 250 words - 8

Media Relations - Assignment Example There are a few huge qualities that are connected to the Ramadan merriments in the Islam schedule, and being the ninth month of the Islamic schedule, Muslims are for the most part expected to quick from day break till nightfall for around 29 or 30 days. Given that the Islamic schedule is dictated by the lunar cycle including the Ramadan that comes after the ninth month, with the seeing of the new moon (Murray, 2012). Taken from the Arabic word ar-ramad suggesting dryness or scotching heat, Ramadan means an obligatory fasting season for the grown-up Muslims in which in the whole ‘blessed month’ they are required to swear off nourishments, drinks and other physical needs. Ramadan is expected to be a period for purifying the spirit, concentrating consideration on God and eager generosity. Eating starts after nightfall, mulling over the part of purifying the spirit for God. Henceforth, Ramadan can be seen as a period when Muslims are taught on issues of otherworldliness, tolerance and modesty (Murray, 2012). People are required not to take part in contaminating exercises that may prevent their virtue. In different angles Muslims are required to limit their bodies, especially the tongue from parts of tattle and conniving. Following Ramadan, follows the festivals for the occasion of Eid-ul-Fitr. Non-Muslims ought to see this month as a featuring of the Muslim fellowship customs, and brings a unique sentiment of closeness (Murray, 2012). â€Å"The reasoning of fasting calls upon us to know ourselves, to ace ourselves, and to train ourselves the better to free ourselves. To quick is to recognize our conditions, and free ourselves from them.†-Tariq

Capital One Case Study Essay

In shopper loaning, each item is developing a similar way as Visas toward huge, national-scale consolidators supplanting nearby, vis-à-vis loaning. That development has occurred in Visas. It’s well under path in car fund, home loans, and home value. Its coming all the more gradually in portion loaning. So purchaser loaning, a significant piece of the advantage side of banking, is all streaming toward national consolidators like Capital One. - RICHARD D. FAIRBANK, CEO AND CHAIRMAN, CAPITAL ONE FINANCIAL CORPORATION’ Joined Kingdom, the Hfs Group, to reinforce its Global Financial administrations (GFS) auxiliary in the British market. As of April 2005, it had adequate liquidity ($21 billion) and capital ($9.2 billion)4 to empower its popular image to venture into new markets and take advantage of the privilege lucky breaks for gainful development. In spite of the fact that the company’s securing of Hibernia in March 2005 gave it a chance to enter the quick creating Texas markets of Houston and Dallas, it may confront solid rivalry from other enormous acknowledge organizations, for example, Citigroup and J.P. Morgan. Capital One Financial Corporation is an enhanced bank holding organization, with a 2005 market estimation of $18.92 billion. It gives a range of monetary administrations through its primary auxiliaries Capital One Bank, Capital One FS.B. (which offers purchaser and business loaning and buyer store items), and Capital One Auto Finance Inc (COAF). From a little neighborhood bankcard backer in 1995, the organization has changed itself into one of the biggest money related foundations in the United States by continuallyâ introducing a constant flow of items. It highlights one of the most perceived brands in the business, which it influences alongside its systems of direct promoting, chance examination, and data innovation to develop and broaden into different organizations. Positioned 206th in the Fortune 500 rundown in 2005,2 the organization has been continuously changing itself from a Mastercard organization to a foundation that gives banking and other money related administrations to purchasers. By January 2005, it was the 31st biggest store establishment in the United States with $25.6 billion3 in enthusiasm bearing stores. Capital One has been on the way of expansion from the late 1990s and has made three acquisitions somewhere in the range of 2004 and 2005: Onyx Acceptance Corporation, eSmartloan, and Hibernia National Bank. It has additionally procured a home value financier organization in the Capital One is the fifth biggest charge card supplier in the United States5 and perhaps the biggest backer of MasterCard and Visa Mastercards. It was established as a completely possessed auxiliary of Virginia-based Signet Bank when Richard D. Fairbank, CEO and director of Capital One, was welcomed by the bank to head its bankcard division. It started its activities in 1953, that year MasterCard International was framed. Fairbank and the previous bad habit director of Capital One, Nigel Morris, understood that customary banks offered credits without concentrating on the clients like breaking down their hazard qualities. They concluded that by utilizing innovation and information mining methods in the dynamic procedure of giving credit, the bank could charge the fitting financing costs all the more precisely and acquire more noteworthy benefits. In 1994, Capital One was spun off from Signet as an open Mastercard organization and set up itself in McLean, Virginia. It had a first sale of stock of 7,125,000 portions of normal stock in the United States and Canada, at a cost of $16 per share,6 which was overseen by J.P. Morgan Securities Ine., Goldman, Sachs and Co. furthermore, Barney Ine. It is a piece of the S&P 500 file, and furthermore exchanges on the New York Stock Exchange with the image COF ~ This case was composed by Susmita Nandi, under the course of Sumit Kumar Chaudhuri, ICFAI Business School Case Development Center. It is proposed to be :;: utilized as the reason for class conversation instead of to illustrateâ either powerful or ineffectual treatment of an administration circumstance. The case was gathered from 25 distributed sources.  © 2005, ICFAI Business School Case Development Center. No piece of this distribution might be replicated, put away, transmitted, recreated, or  © conveyed in any structure or medium at all without the authorization of the copyright proprietor. Somewhere in the range of 1994 and 2004, the organization developed at a yearly compound pace of 29 percent/both as far as its EPS and the quantity of clients. In 2004, its profit were $1.5 billion, and the EPS was at $6.21.8 At the finish of 2004, the organization and its auxiliaries held 48.6 million records and $79.9 billion9 in oversaw credits extraordinary, which developed by 12 percent ($8.6 billion) over the earlier year (see Exhibit 1). It had 17,760 workers in March 2005. The bank offers 7,00010variations of its MasterCard and Visa cards, every one is altered to engage distinctive client inclinations and needs by joining item highlights, for example, various foundations and hues, alongside fluctuated yearly rate rates, credit cutoff points, expenses, and rewards programs. Capital One’s valuing technique depends on the hazard level of its clients. It offers platinum and gold cards to its favored clients with astounding record of loan repayment and a wide scope of made sure about and unbound cards to clients with constrained or poor financial record. The organization additionally gives a scope of customer items like car finanCing, contract administrations, credit protection, and home-value advances. Customizations of Mastercards at Capital One are made with the help of its Information-Based Strategy (IBS), which uses complex information mining procedures to coordinate its Visas (its mix of loan costs, expenses, rewards, and different conditions) with focused clients dependent on their FICO ratings, credit utilizes, and different parameters. IBS is the combination of one of the world’s biggest databases, data frameworks, a very much prepared group of investigators and analysts, and propelled scoring models. The company’s dynamic procedure is made effective by uniting promoting, credit, hazard, and data innovation. It chooses its most gainful clients and the suitable rate by utilizing the thorough testing of econometric and time arrangement models. The FICO assessments of clients depends on the Fair Isaac Corporation (FICO) scores, which are utilized to anticipate installment chance by taking a gander at a few factors, including record. The IBS framework utilizes FICO scores to separate its clients into three gatherings of super-prime (with astounding record as a consumer), prime (normal financial record), and sub-prime (with poor or almost no record). Using IBS, the organization has had the option to find a gathering of understudies who were excluded from the mailing arrangements of other Visa organizations on the grounds that these understudies, for the most part jobless and practically zero financial records, were viewed as high hazard. Capital One’s system of sending Mastercard applications, which were custom fitted to the requirements of these understudies, demonstrated powerful, as 70 percent of the applications were filled and sent back, in this way making another market for the organization. IBS has additionally helped Capital One maintain a strategic distance from clients who don't pay intrigue charges on advances. The charge-off rate (for awful obligation) of Capital One is the industry’s least, and for 2004 was at 4.37 percent, contrasted with 5.32 percent in the earlier year. Capital One’s GFS section offers an arrangement of differing items to both household and universal shoppers. In the local market, the GFS fragment incorporates portion loaning, social insurance account, contract loaning administrations, and private venture loaning administrations. GFS has been on a development bend and in 2004, it represented 27 percent of Capital One’s complete oversaw advances, which are contained detailed advances and wobbly sheet securitized advances. It likewise represents 14 percent of its income. Its worldwide portfolio basically comprises of Mastercard business in the United Kingdom and Canada, esteemed at $8.2 billion and $2.4 billion,12 separately. Capital One is the United Kingdom’s seventh biggest charge card backer, and among the best ten of the equivalent in Canada. In January 2005, the organization finished the conventions to gain a British value business firm called Hfs Group to reinforce its situation in the United Kingdom. Albei t Capital One had property in France and South Africa, it left these business sectors because of absence of development openings. Capital One created solid profit and advance development again in 2004, as it has every year since its first sale of stock ten years prior. The organization is all around situated for proceeded with achievement in 2005 in both our Us. Visa and our developing and beneficial enhancement organizations. - RICHARD D. FAIRBANK, CHAIRMAN CAPITAL AND CEO, CORPORATION† ONE FINANCIAL Capital One developed at 30 percent14 (see Exhibit 2, on page 68) somewhere in the range of 1994 and 2004 by giving Mastercards at appealing loan fees. The vast majority of its business is led by means of post office based mail (garbage mail sales), despite the fact that it likewise showcases its items through TV and Internet (http://www .capitalone.com). It extended its charge card activities in Canada, Europe, and South Africa in the late 1990s. Simultaneously, the organization additionally made vital pushes toward broadening its portfolio by going into financing of autos and other engine vehicles, home loan and home value advances, protection, and other purchaser loaning items. Albeit 60 percent of its all out oversaw advances is in its Visas business (see Exhibit 3, on page 68), the organization is slowly expanding its tasks in different business portions. In 1998, Capital One purchased Amerifee, an organization that gave financing to elective medical procedures, for example, orthodontic, vision, and corrective strategies. It turned into a completely claimed auxiliary of Capital One in May 2001. Amerifee is a market head known for introdu

Best Government and Political Science Majors and Programs at Small Liberal Arts Schools TKG

Best Government and Political Science Majors and Programs at Small Liberal Arts Schools Political science is a social science that focuses on the theory and practice of government and politics at various levels. Majoring in government means that you’ll study political structures, policies, and the concepts of justice and democracy.  The most common tracks and concentrations of political science are political theory, American politics, comparative politics, and international politics. However, many government and legal studies majors and programs are also inclusive of curriculum regarding those four main divisions.   Political science and government are popular majors for students who plan to attend law school, and for those who would like to work in politics, government, public administration, education, public service, and business.    Most liberal arts schools offer political science programs, so we chose to focus on programs that allow for specialized programs of studies and other unique offerings. Williams:Williams has two majors that belong on this list. There is the political economy program, which was created to give students context and understanding of how politics and economics interact in the formation of public policy. A cool feature of this program is that classes are jointly taught by a political scientist and an economist -- the program is truly interdisciplinary and students graduate with an understanding of economics within the context of American and international politics. And then there is the more traditional Political Science major, which has the traditional subfields. But in addition to those tracks, students can also choose individual concentrations. This list details the individual concentrations that have been chosen in the past, including “Injustice and Liberation” and “Politics and Economics of the Pacific Rim.” The diverse list suggests that Williams has the resources for students to customize their studies, and dig into unique topics of interest. Smith:  Smith College offers a major in government, which i s centered around thinking about the true purpose of politics, the responsibilities of governments, and duties and rights of citizens. Another aim of the program is to familiarize students with the many differing and diverse perspectives on political issues that are often based on ethnicity, race, gender, and culture. There are four subfields within the major: American politics, political theory, comparative politics, and international politics. It is also possible to choose a concentration based on one of eight themes, which range from public policy to gender and sexuality. Washington and Lee:  The politics major at Washington and Lee in under the umbrella of the Williams Schools, WL’s business school. Because the program is situated in a business environment, course offerings also include classes on statistics and methods. And then there is the Washington Term, which is a six-week spring term that consists of an academic course, work experience in D.C., and a lecture series. Stu dents work for four days (Monday â€" Thursday) and Fridays are spent in a guest lecture with professionals that currently work in Washington, D.C.  Pomona:  The politics major at Pomona is satisfied with eight courses. Students must take one class from each of the four main subfields and the major focuses on the U.S. government, foreign policy, and global politics â€" but if you are interested in a particular area, it’s possible to choose a specialization or undertake a year-long independent project and a thesis study. Funded summer research grants are available, and Pomona also hosts a pizza and politics series, which are lunch meetings for students to discuss their research with professors and guests.  Tufts: The political science curriculum at Tufts is similar to the rest of the schools on our list. In addition, high performing students have the option of taking graduate school level classes (with permission from your professors) at the Fletcher School of Law and Diplomacy, and a “limited number” of Poly Sci majors are accepted into a five-year B.A./Masters program at the Fletcher School.   Tufts also posts numerous internship opportunities, some of which exist within the school itself. If you’re interested in attending grad school and would like the option to apply during your undergraduate career, this program is worth considering.  Swarthmore: Swarthmore’s program covers the four major areas of political science, but the school is also constantly updating the course catalogue to address issues in the political world as they arise in real-time. The major is linked to other departments at the college, including Environmental Studies, Public Policy, Interpretation Theory, The Democracy Project, Education, Peace and Conflict Studies, and Lang Center for Social and Civic Affairs.  Vassar: Vassar’s program stands out because of its emphasis on the questioning of our current societal values. Students discuss overarching questions such as “Wha t forms of government should exist” and “How can justice best be achieved?” It’s true that his kind of thinking often permeates a liberal arts education, but Vassar’s website makes it clear that it is a true benchmark of the program.  Bowdoin: Bowdoin’s government and legal studies major is a good option for students who plan to attend law school. This is because all of the subfields (American politics, Comparative politics, political theory, and international relations) are tethered to the creation of effective writing skills, analysis and argumentation skills, critical reading, analytical thinking, and library and research skills â€" skills that are crucial for any aspiring lawyer. The course offerings delve into a wide variety of topics such as political philosophy (“Human Being and Citizen”) and environmental politics (“The Politics of Climate Change.”) Comparing political science programs can be difficult because many of the programs are similar. We suggest that you use our list as a starting point to find what you’re most excited by, and then dig into more programs on your own.  If you’re unsure about what kind of program is best for you, contact us here.