Harvard Case Study Analysis Essay Example for Free

Harvard Case Study Analysis Essay What is an ANALYSIS? investigation Function: thing Inflected Form(s): plural analyâ ·ses -s z Etymology: New Latin, from Greek, from analyein to disintegrate (from ana-+ lyein to release, break down) + - sister - 1 : partition or separating of an entire into its principal components or segment parts 2 a : a point by point assessment of anything mind boggling (as a novel, an association, a race) made so as to comprehend its inclination or to decide its fundamental highlights : an intensive report b : the introduction, generally recorded as a hard copy, of such an examination Merriam-Webster Unabridged Dictionary Case Studies: How they work YOU ARE THE MANAGER. Peruse cautiously Perform Analysis Come up with proposals Analysis: Thought Process Questions Break up Details matter! †¢ What issue would we say we are attempting to understand? †¢ What are the primary issues? †¢ Break up the entire story into parts †¢ Analyze what’s significant †¢ Do definite assessment †¢ Determine fundamental highlights 4 The Process of Building a Marketing Plan Step 1: Situation Analysis Step 2: Step 3: Step 4: SWOT Analysis Problem Identification Solutions Recommendation/Evaluation Step 1: Situation Analysis †¢ Evaluation of an organization’s current circumstance, openings, and issues. Ask Yourself: †¢ What is going on? †¢ Who is the organization? †¢ What is the company’s foundation? †¢ What industry would they say they are a piece of? Stage 1: Situation Analysis The Five C’s Customer Needs What necessities do we look to fulfill? Organization Skills Competition Collaborators What extraordinary ability do we have to address those issues? Who rivals us in addressing those necessities? Who would it be a good idea for us to enroll to support us and how would we inspire them? Setting What social, mechanical and lawful elements limit the conceivable? Applying the Marketing Mix to a Target Market †¢Is there current cost serious? †¢Are they dispersing their item? †¢Any current issues with their item? †¢Are they running advancements to build deals? †¢Are the advancements harming deals? 8 Step 2: SWOT Analysis Internal Strengths Things that are acceptable presently, look after them, expand on them and use as influence Weaknesses Things that are awful currently, cure, change or stop them. Openings Things that are useful for the future, organize them, catch them, expand on them and improve Threats Things that are awful for the future, placed in plans to oversee them or counter them External 9 Step 3: Problem/Decision Statement Identification of the primary issue, opportunity Ex: †¢ Does the organization have declining deals? Are the advancements harming deals? Should the organization fire representatives? Is the organization spending an excessive amount of cash on advancements 0r promoting? Stage 4: Solutions/Recomendations What are you going to do about the issue? What are the elective decisions into taking care of the company’s issue? Ex: If the issue is declining deals because of the current financial situation†¦ Run advancements Offer advantage programs Offer awards for buy Strategic Market Planning Process Components of Case Analysis †¢ Background Problem Identification Statement of Objective(s) Situation Analysis Description and Evaluation of Alternatives Conclusions/Recommendations 13 End.

American Poet Essay Example For Students

American Poet Essay Two Scavengers in a Truck, Two Beautiful People in a Mercedes a sonnet by American artist, Lawrence Fernlinghetti. In this sonnet, he indicated an irrelevant, ordinary episode a gathering of a dump truck and an exquisite open Mercedes to make peruser consider the significant issue of the contrasts between social classes. Two sets of individuals get together in downtown San Francisco as they were halted by a red traffic light. The sonnet depicts their gathering: Two trash collectors are coming back from their work, all filthy and grungy and a rich youthful couple, splendidly clean on their approach to work. Fernlinghetti by utilizing hues, an all-encompassing analogy and distinctive depictions accentuation as the gigantic social hole between these two sets who ordinarily would not meet in regular daily existence however have been united by this episode. We will compose a custom exposition on American Poet explicitly for you for just $16.38 $13.9/page Request now The dump truck is splendid yellow and trash collectors wear red plastic coat and here Fernlinghetti utilizes essential hues to show effortlessness of trash mens work. The material which is utilized for mens apparel proposes they dress is modest and awkward. The main man is an elderly person with dim iron hair, a slouched back and figure of grotesqueness appearance. Fernlinghetti names this old person Quasimodo to represent his appearance as it is a reference to a notable tale about Notre Dames chime ringer. The second junk jockeys is a youngster with long hair and shades. The exquisite Mercedes is driven by a youngster, about a similar age as the more youthful forager and he likewise has long hair and wears shades. What's more he wears a hip three-piece material suit. Lien is an agreeable, costly material and is utilized to show the abundance of this man. A youthful blonde lady sitting in the Mercedes is causally coifed and wears a short skirt with hued stockings. Fernlinghetti shows the peruser the colossal complexity in the way of life between these two couples and way that they live. Every one of the four live in a similar city yet are completely different, notwithstanding, they despite everything depend on one another. Without trash collectors, a rich couple would live in a domain encompassed by a lot of waste. Without the rich couple, junk jockeys would have no individuals to work for. The articulation portraying blonde ladies as coolly coifed is a paradoxical expression. Coifed recommends a beautician spent extended periods on making hair so a la mode to make young lady stand apart regardless of whether wearing easygoing skirt with hued stockings. The hardness of trash mens way of life is recommended by alluding them to two foragers. Fernlinghetti likewise makes a huge complexity by looking at the more established scroungers dark iron hair with the ideal hair of the young lady. Additionally, the foreboding figure Quasimodo appearance of more seasoned junk jockeys shows his offensiveness and stands out from the womans magnificence. He proceeds with the examinations between two couples and now Fernlinghetti builds up the likenesses between the more youthful scrounger and the Mercedess driver. Both are wearing shades, long hair and need to be popular yet that is all they have in common. As the city workers coat down at the cool couple they long for: riches, having a chic way of life and driving a Mercedes. They are presumably persuaded that they will never resemble the youthful couple and can just dream, in the expressions of Fernlinghetti: as though they were observing some unscented TV advertisement. Anyway the Mercedes couple keep on overlooking junk jockeys: they don't mean anything to them and are not a In the last piece of sonnet, Lawrence Fernlinghetti builds up an all-inclusive representation and thinks about the world to an ocean and the social hole between two couples to a little inlet. He does as such to set fault on the thoughts on majority rules system and the administration for extending the social hole as opposed to shutting it. Two Scavengers in a Truck, Two Beautiful People in a Mercedes was composed to make his perusers consider their own lives and their own job in the general public. Lawrence Fernlinghettis composing expertise permitted him to transform an ordinary lifes episode into a provocative short sonnet.

Cash Advance or a Late Bill Whats Worse

Cash Advance or a Late Bill Whats Worse Cash Advance or a Late Bill? Whats Worse? Cash Advance or a Late Bill? Whats Worse?The best way to avoid choosing between a late bill and a predatory cash advance loan is to be prepared ahead of time.Theres nothing quite like that sinking feeling in your gut when you realize something bads about to happen. We all remember back in school realizing that we had a test we forgot to study for. But in the real world, that cold knot of fear usually comes with some extra consequences attached.For instance: What do you do when you have an upcoming bill that you dont have the funds to cover. The consequences of paying a bill late (or not paying at all) can be pretty dire for your credit rating.On the other hand, a lot of  your options for getting that quick cash to make your payment can leave you burdened with an extremely high interest rate and trapped in a predatory cycle of debt.Hopefully, you have friends or family who can help you out in situations like these. But if you don’t have that option, you’re going to have to make so me difficult choices. Is it worth getting a risky cash advance if it means paying a bill on time?There are two types of cash advances.  If you’re going to be late on a bill, a cash advance loan might seem like a good way to resolve the situation. But is it?A true cash advance loans are acquired through your credit card. (Why do we say true cash advance loans? More on that below.) When you take out a credit card cash advance, the amount that you withdraw is added to your balance, just like a normal purchase.However, there are some key ways in which credit card cash advances and regular credit card transactions differ.For one, cash advances come with higher interest rates than regular purchases on your card. And whereas standard transactions give you a one-month grace period before interest starts accruing, cash advances start accruing interest immediately. Plus, cash advances often  carry  other  fees.Now to those not-so-true cash advance loans: Many payday lenders and other predat ory companies will use the term “cash advance” to refer to the no credit check loans theyre offering.This is not great, because payday loans (and other types of predatory bad credit loans) are much more dangerous than standard cash advances. They come with extremely short payment terms and APRs that can average almost 400 percent a yearâ€"or even more!Paying a bill late can hurt your credit  and  your quality of living.Payment history is the single most important factor in your credit score. It accounts for 35 percent of your total, more than any other category. (Your total balances owed is in  second place at 30 percent.) Lenders, landlords, and utility companies  really like to see that you pay your bills on time before they lend, rent, or provide service to you.So if a late or unpaid bill ends up on your credit report it can have an extremely negative effect on your score. It might just be the single most harmful thing you can do to your credit rating.And then there are the o ther effects of paying a bill late. Namely, you can have key services cut off or important possessions repossessed.Falling behind on your electricity or gas bill can lead to your provider shutting off service. No heat and no electricity? No thank you!And what about falling behind on your auto loan payments and having your car repossessed? Would you be able to get to work or your kids to school?  These are consequences that can really spin out of control.In the end, its really a matter of degrees. If youre only going to be a little late on a bill, and you can get away with a late fee and no derogatory marks on your credit report, then that is probably your best option.On the other hand, if youre going to be really  late on your bill, then  taking out a cash advance loanâ€"especially if its a cash advance on your credit cardâ€"is preferable.Its just not something you want to do too frequently; you dont want that high-interest debt stacking up. But as a one-time solution, its the best of your bad options.Then again,  you can probably avoid situations like this entirely if you  take proper precautions ahead of time.Get organized and dont procrastinate.We’ve been talking about late bills that you see coming. But if you’re not organized, you may not see the late bills coming at all.“Debt has a way of spiraling out of control,” warns Nate Masterson, finance manager for Maple Holistics (@MapleHolistics). “So, if you already know you are going to be late with a certain bill, that’s okay. You just need to make sure that you don’t accumulate more bills in the process. It can happen very rapidly sometimes and catch you completely off guard if you are not paying attention.“The best way to manage bills is to get organized about them. If you don’t have a standing order at your bank, you need to be on top of things. In fact, even if you do, you need to be on top of things, because those are all run by computers and mistakes are made all of the time. Since yo u probably don’t want to be on the receiving end of a huge errorâ€"and not even know about itâ€"it is best to keep your finger on the financial pulse of your life.”And if you do have the means to pay off your bills, pay them as soon as you can, even if it might hurt a little.“Don’t be a financial procrastinator,” advises Leslie H. Tayne Esq. (@LeslieHTayneEsq), Founder and Head Attorney at Tayne Law Group  (@taynelawgroup). “Instead of putting your credit card bill in a pile on your desk, open it up right away and make a payment. There’s no sense in waiting until a later time to pay it off; you’re going to have to pay it eventually, and making a payment as soon as you receive the bill will ensure you don’t miss the due date. It might take a bit of time to make this a habit, but your finances will be much better off once you establish making payments right away.”But sometimes trying to pay your bills hurts more than a little, especially when you have too many bill s and not enough funds to cover them.Learn how to prioritize your  payments, and be prepared to cut back.Most companies that bill regularlyâ€"lenders, credit card companies, utilitiesâ€"wont immediately report a late payment to the credit bureau. Sure, theyll charge you a late fee, and they might even up your interest rate, but  those are  small prices to pay when compared to a decimated credit rating.Before you figure out how you’ll deal with the late bills, it’s important to figure out which bills hold the biggest consequence for late payment.“Understand that some bills accumulate late fees,” Masterson explains. “This is crucial, and it can help you to better prioritize your debt payments. You should always aim to get rid of that which can end up harming you sooner. If late fees on a certain bill are insanely high, do what you can to take care of it, even if it comes at the expense of another bill, which does not accumulate late fees, or which doesn’t have a fee which is as high.“Depending on the size of the billâ€"and its latenessâ€"you are going to have to get realistic about your expenses. If this is a bill which can end up hurting your credit standing, or affect your future in some serious way, you may need to seek out other options. Always do your research, keep a level head, and try not to let stress and anxiety guide you through that process. That is a recipe for disaster.“If you are looking to extricate yourself from the debt spiral, you’ll need to sacrifice some things. This is a harsh truth, but you cannot bank on receiving a large chunk of money or a bonus. Even if you have something like that coming your way, you need to work on a ‘Plan B’.”Even if you pay a bill late, that doesnt mean Game Over.  OK, so some of your bills are going to be late. Now, what can you do about itâ€"especially if you don’t want to risk something like a cash advance loan? Tayne lays out the steps you can take to lessen the pain of a late bill:†œRequest a due date change: If your due date is putting you in a compromising financial position and it’s not aligning with your budget or pay schedule, many credit card companies will be willing to assist in moving the date. If you are consistently making late payments, it would be in your best interest to go to a more suitable date. Not only are you incurring late fees and interest, but youre also causing your credit score to take a dip. A due date change can make all the difference in keeping you financially healthy.“Ask for a credit of a late payment fee: If you are a good customer with a long and responsible history with your credit card company, then they may be willing to let a little hiccup of a late payment slide. If you have consistently been late, they may not give you credit for all the late fees, but if you offer to sign up for automatic payments as an exchange for late fee removal, you may be successful in getting your credit. If you show good faith in trying to im prove your payment record, you may be able to get in the good graces and be accommodated.“Get on the phone:  If your servicer hasn’t called you, then call them. You want to be on your creditor’s ‘good side.’ Explain to them the situation and what they recommend so you don’t miss another payment. When you speak to your lender, consider also asking if your missed payment has caused any late charges or fees on your account. If this happens, you might want to cut back on some of your non-essential expenses to help you pay this down.”Late bills are never going to be an ideal situation.  But follow these tips and you can give yourself at least one good option for getting out of trouble.To learn more about ways to protect your credit score, check out these related posts and articles from OppLoans:Start Your New Year Out Right: Get a Credit Check!An Apple a Day Keeps the Bad Credit Away7 Things You Didn’t Know Could Impact Your CreditHow do you deal with late bills? We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedINContributorsNate Masterson  is the Marketing Manager for Maple Holistics  (@MapleHolistics). Nate specializes in Digital Marketing and SEO and works as a freelance marketing consultant for small businesses in his free time. Nate is from Riverdale, NY.Leslie H. Tayne, Esq.  (@LeslieHTayneEsq) has nearly 20 years’ experience in the practice area of consumer and business financial debt-related services. Leslie is the founder and head attorney at  Tayne Law Group  (@taynelawgroup), which specializes in debt relief.