Saturday, February 22, 2020
Marketing of financial services - Essay Example Reduction in the incidence of interest rate clustering, however, is not very costly. Hence, Ashton and Hudson implied that the more na've customers should take a more active stance in their finances - be more involved as "[t]he degree of price or interest rate clustering appears to be exaggerate when low levels of financial involvement are concerned" (Ashton & Hudson 2008, p. 1402). Citibank offers several savings and investment products, whether local currency denominated or foreign currency denominated, to its clientele. These savings and investments products are offered with range of interest rates. A look at the bank's Web page on its savings and investments products shows that its US Dollar Reward Saver is marketed as giving 2.50 per cent gross per annum rate which is much higher than the account's actual annual equivalent rate or AER of 2.02 per cent. Although both rates were published in the Web page, a na've customer - whose interest or whose lack of "ability to process information" (Ashton & Hudson 2008, p. 1393) is the one being exploited - would immediately zero in on the "earn up to 2.50% gross p.a. fixed for 6 months" (Citibank 2008) and ignore the subsequent "2.02% AER on your US Dollars in the UK2.50 per cent gross" (Citibank 2008). Clearly, in this example, the bank is playing in a very broad context of marketing ethics. Another example is the bank's Reward Saver Issue 2 product which is being offered at a gross per annum interest rate of 6.35 per cent while in reality, the customer will actually be getting an interest rate closer to 5.08 per cent which is the AER. Even the AER is structured in a way to maximise or to exploit the na've's customer's tendency to round up - in here, the na've customer would think that 5.08 per cent is substantially higher than 5 per cent. An example which provides proof to Ashton and Hudson's conclusion on the rounding - "If the number is not already a round number an individual would round a number to the closest reference number" (Ashton & Hudson 2008, p. 1394) - is the bank's net interest rate per annum for its 60 day direct savings account. The bank gives 2.48 per cent for accounts with more than '75,000. A customer with the characteristics described by Ashton and Hudson will immediately round this rate off to 2.5 per cent. The 0.02 per cent difference from the rounding off can be translated to '15 every year for a '75,000 account! Ashton and Hudson observed that for mortgage rates, the interest rate clustering "occurs very frequently just below round numbers giving strong evidence for the common use of na've number processing strategies" (Ashton & Hudson 2008, p. 1401). Unfortunately, for Citibank United Kingdom (and even for HSBC UK) I could not obtain interest rates for their mortgage products, hence I applied the findings of the research to the bank's credit card rates. For its Citi Platinum MasterCard, Citibank charges 5.8 per cent for balance transfers and an APR of 16.9 per cent which are examples of the observation made by Ashton and Hudson - clustering just below round numbers. This can also be observed in the bank's Citi AAdavatage
Sunday, February 9, 2020
How to Use a Topic List For Argumentative EssayA topic that has been argued on many a time is the list of good argumentative topics for essay. It is one of the most effective and efficient ways to learn how to present your argument in a persuasive manner. In addition, learning how to use this is also an excellent way to sharpen your argumentative skills.There are many ways to go about getting a topic that is widely debated. You could take up the responsibility of writing an essay with topics on a wide variety of topics. Another method is to keep a topic around the back of your head and decide on what you want to write about. One of the best ways to get started is to go online and gather some ideas.At first, your list of good topic may be short. That will probably be the case for students who are new to writing and they just need to get off to a good start. In this way, you can get started on what you think is a good topic. Once you have it, you can see how the writing process goes.It is important to get something out of the subject you chose that is of interest to the readers of the paper. Sometimes, it may be too basic to get much attention from the audience, but in a discussion paper you can get a lot of valuable information from the topic. It is important to get out of the subject what the reader needs to know to understand the message of the essay.While you are doing your research, make sure that the subject is one that is going to be fresh in your mind. That means you will remember it for a long time to come. Learning how to write a good argumentative essay is not all that difficult if you start out with an interesting topic. Once you get a feel for how to do this, you can focus on actually writing the argument.If you think you may already have topics, you can begin with what you think is the best one. This is because writing is a slow process and the more you are able to get your thoughts down, the better you will be at it. The point is to move forward, s o why not have fun while you are at it?Making sure that your topic is one that is genuinely interesting is one of the best ways to learn how to write a good argumentative topic for essay. There are many ways to do this, but the most effective one is to gather ideas. It is a good way to sharpen your writing and to get better at it.
Friday, February 7, 2020
Informational Research Paper Topics High SchoolWhen you are ready to write an informational research paper, the first thing you must do is figure out which topics are going to be highly relevant to you. You can choose topics based on your academic knowledge, but it's usually easier to pick topics that are going to be easy for you to relate to. You may also want to make sure that you write about topics that you are already familiar with and that are easier for you to relate to, too.If you have an area of interest that you don't think you will ever put a lot of effort into, this may be a good idea. You can also choose subjects that require you to do very little research. You can choose topics like your favorite sports teams, like your favorite musicians, or the types of TV shows you watch. Many students decide to start their projects off with topics that are easy for them to relate to.It's also helpful to determine if you have enough of a topic to complete a high school informational r esearch paper. If you have only a small amount of information to work with, you can still create a decent topic, but you won't be able to explore all of the various areas of your field.If you are worried about the length of your paper, a good idea is to try to figure out if there are other things you can work on in between your writing time. If you find that your topics are taking up too much of your time, it's probably time to move onto something else.If you have already worked on a particular topic for a while, you may want to think about coming up with a title for your paper. If you haven't tackled this particular topic in a while, you may want to write about something that you're better at, something that you like more, or something that you have something to contribute to the field. These are great topics to write about, so be sure to give some thought to writing a title.A good idea when writing an informational research paper is to outline the paper, as well. If you aren't 100 % sure about how your paper will be formatted, or what format you want it to be, you may want to write it out first. An outline is a good way to figure out where you are going with your project and to ensure that your paper is structured properly.Writing an informational research paper for high school can be exciting, so make sure you have all of the information and materials that you need to get started. Getting the hang of it isn't hard, but it does take some practice.
Thursday, February 6, 2020
Debating Same-Sex Marriage - Essay Example In this essay, the researcher shall portray the reasons as to why individuals would be for or against same-sex marriages before he gives a brief statement on what the society should opt for. Many arguments have been shot to support same-sex marriages that include homosexuals and lesbianism. Arguments have hit debates that since there is no evidence that same-sex parents are not poorer than heterosexual parents and that different individuals make more stable couples and that they do not have any impact on parenting abilities, they, therefore, are relatively better than heterosexual couples. Others have argued that same-sex marriages are unrelated to polygamous relationships which make it considerably a better way to escape cheating and unfaithful couples in marriage. Opponents to same-sex marriages have stated that marriage is traditionally meant to be a union of one man and one woman, homosexual and lesbianism unions can be classed with polygamy as it goes against the definition. Rel igious opponents have stipulated that God created the marriage institution for the purpose of procreation. Same-sex married couples cannot reproduce. This argument is based on the concept that God exists. However, giving this a second thought the ability of same-sex couples to reproduce is not entirely a problem because we have encountered heterosexual couples that are not able to reproduce and are comfortable with it. The society should, therefore, provide gay couples with similar legal and social identities allow them to access the advice of law and equal judgments upon it so as to avoid infringing upon rights of others. Gay marriages should be allowed to enjoy the same privilegesÃ¢â¬â¢ enjoyed by the majority because only minorities differ from the rest due to the fact that these individuals are computed in terms of feelings and relationship.
Want to Know More About Possible Topics for a Research Paper? If you're confused with a number of interesting topics to research online, it's much better to determine what interests you the most. It is possible to also benefit from working on topics linked to your existing job since you'll have a good chance to collect the main data. When citing a source, make sure you did enough research to make sure it's the appropriate source, ensure you put quotations of the part that you would like to cite, make sure that you set the source location so viewers can observe where you cited, and finally, put down the author of the source. Naturally, it's important to pick a topic which you like to write about. Consequently, it's always important to come across a topic that interests you. The topic shouldn't be old or broad. When choosing a topic, you would first select an overall topic and narrow it down to create a thesis following your preliminary research. You'll quickly discover tha t a tiny discussion can go quite a way. A superb idea is to pick a topic linked to your previous experience because your readers will be impressed how well-informed you're. When you've chosen your topic, attempt to create your title catchy and relevant. Even if a particular research paper topic is getting plenty of buzz at this time or other men and women seem interested in writing about it, don't feel tempted to make it your topic if you don't genuinely have some kind of interest in it also. The 5-Minute Rule for Possible Topics for a Research Paper Now you have a great idea of the way to hunt for college research paper topics, you're ready for some suggestions. By finding the correct research questions, you are going to convince the audience of the significance of your research. If you still would like to find some more topics, you're welcome to examine science research proposal topics on our blog to create your academic writing life much simpler. The hours it requires to g o through research and see whether it works for your project or whatever it's that you're doing is limitless. Vital Pieces of Possible Topics for a Research Paper These hints, tips and ideas can help you compose a newspaper article for your regional newspaper, a school assignment or only for fun. Possessing proper research skills, include knowing what it is you're looking for when you are attempting to find your research on your computer, don't forget to use, sites that you trust, Wikipedia sure it says on the internet that it's an excellent site but in the event that you can refrain from using it then do so, people may go to that website and adjust the information to help it become untrue. There are a really large assortment of distinct topics that may be done and should you have a look at the list below you'll get more ideas than you will be aware of what to do with. Detecting a topic for your study can be hard, but there are many great techniques to develop intriguing ideas. Understanding how to compose a research paper thesis is the key step. Education research paper topics provide education majors an option of samples about how to compose projects which range from Adult Learning Theories to Early Education Literacy. Opt for a college research paper topic that you're acquainted with or like research on. Do not pick a research paper topic that's rather tough to research about. A paper is always simpler to write if you're interested in this issue, and you're going to be more motivated to do in-depth research and compose a paper that genuinely covers the whole subject. Writing an excellent persuasive research paper is a difficult undertaking. Ideal research paper topic is one which can be backed up with sufficient evidence. Not all research paper topics are made equal, and you would like to make certain you select a good topic before you commence writing. Research paper topics on English Literature will offer you fresh ideas to utilize in your paper. Students are often wise to refer to paper writers who have huge experience of writing different varieties of research papers. Lies You've Been Told About Possible Topics for a Research Paper Even if you're a specialist in a particular field, don't be afraid to use and cite external sources. So you will need to scale down to make sure that you will be able to run a research within a limited time period. When you decide on a research topic, make certain it is one which you understand and have a firm grasp on. An intricate research paper topic will not just take lot of time but in addition might not be easily comprehensible due to its complexity. If you should write only a single paper at the conclusion of the period, you can breathe out as you are blessed. So as to compose a paper, you have to compose a research question. You should agree it is simpler to think of the thesis state ment of the paper when the remaining portion of the components are written than attempting to connect each paragraph with another topic sentence to the principal argument. The primary purpose of a research paper is to encourage an unaffiliated thinking process in students. Just pick the field that you have to compose a paper within. As an example, in college, you might be requested to compose a paper from the opposing viewpoint. When you're writing your research paper's introduction, you ought to be building it around a particular outline that gives a general review of the paper. Needless to say, deciding on the suitable topic for your research paper is the initial and most important step on the best way to writing the paper itself. If you're well versed with the topic writing an excellent research paper is going to be a cake walk for you. In the procedure for writing research articles, it's essential to adhere to a specific topic. A great paper topic ought to be interesti ng and ought to incorporate an original idea or position try to prevent cliche topics which will likely bore your reader. The topic you select should draw the reader's attention, in addition to merit points for you to receive a high grade for your writing skills.
Wednesday, February 5, 2020
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