Marketing Opportunities

Company Profile BBQfun is one of Queensland's specialty retailers. The BBQfun brand is synonymous with barbeque retailing and is built on the strong foundation of selling barbeques and outdoor lifestyle itmes to Queensland consumers since 2009. BBQfun’s product range is primarily focussed on barbeques and outdoor lifestyle products, incorporating both local and important goods. BBQfun operates two store in Queensland, one in Brisbane and one at the Gold Coast. BBQfun provides to customer great value products, excellent customer service, continuously improvement and innovation and is trusted by more than 10,000 customers in Queensland.Situation analysis The retail market changed over the last few years, it became more competitive than ever before. Therefore consumer buying patters changed as well. BBQfun increased they market share until 2010 steadily to $10m. Since 2010, sales dropped dramatically because of changes in the retail market, technology and changed consumer behavio r. BBQfun has moderate pricing, extensive and high-quality product range, excellent customer service and offer three year product guarantees as only one in the market.BBQfun has identify the basic market need is for quality, fashionable and unique outdoor lifestyle items. Market characteristics Queensland has a population growth of 5% (2. 5% in 2012 ABS) annual. New homes buyer and renovated houses growing steadily from a base of 50,000 per year. Unfortunately the low unemployment rate of 4,7% grow to 5. 4% in 2012 in Queensland. Therefore Queensland has now the second highest rate in Australia. BBQfun is targeting the geographic area of Brisbane with a total population of 2m people and also the direct area with a radius of 30km around the store.The aimed total targeted population is estimated at 450,000 people. Typical customer are males and females, age between 20 and 50 years. Amongst them is a high number of young professionals who working in the CBD of Brisbane and having compl eted under-graduated or post-graduated studies. The average disposable income is over $70k. Market needs BBQfun has identify the basic market need is for quality, fashionable and unique outdoor lifestlye items. Customer requirements Consumers like to have a wide range of different products and options.The store should be easily access-able with a minimal inconvenience for the customer. BBQfun has a great reputation for customer service which is always valued by consumers within this market. Consumer asking for price transparency to compare with competitors and payment plans. Products with warranty increasing consumer popularity. Market trends The trends in the market leads to quality, uniqueness and wider selection. Consumers who are in search for high quality items learn to appreciate value over price. Consumers like to have a vast selection or high diversity of products with varying price ranges.They are also looking for specialistic products which stand-out from the mass-producti ve crowd. Market Growth In 2009 the national outdoor lifestyle market reached 3 million dollars with an estimated growth of at least 6% over the next few years. Research demonstrates that consumers will be having a greater disposable income within the mere future with the assumption that on average two persons will be living under the same household. The economic forecast also states that interest rates will stay steady and will have no effect on disposable income. There is also an increasing popularity of T.V lifestyle programs which provides free-marketing to BBQfun. The market trend also shows that consumers are interested in high quality imports that remain affordable. Market Competition There are three major existing national competitors: The Yard, BBQ’s R Us and Outdoorz. The Yard is only become a threat to BBQfun if the business decision to enter the e-commerce market. Advantageously, The Yard does not trade in Queensland and currently has no marketing promotional acti ons. All of their products are good quality, Australian-made but highly priced.BBQ’s R Us is definitely a threat competitor who has a broad range of outdoor lifestyle products. Their main focus is on cheap imports and on already established markets. They have a strong replacement segment which is highly valued by consumers. However, their trading is mainly based in Adelaide and Melbourne which assist our market-share in Brisbane. BBQ’s R US are considering on entering the e-commerce market. Outdoorz has Australian-made outdoor lifestyle product with good value prices making them highly competitive to BBQfun.They have a few stores situated in every major city and the quality of their products range from low to medium. Alike BBQ’s R Us, Outdoorz has a strong focus on their replacement segment. They are gaining market strength in Brisbane and have a large advertising budget. If Outdoorz considers e-commerce marketing strategies, they will become a major threat out of the three. BBQfun’s local competition are mainly independent retailers. Our local competitors have products ranges that varied according to the owner’s preferences. They mostly sell Australian manufactured goods with an average item sale of $250/piece.All these independent retailers have a market share of 48% and a growing rate of 8% per year. Situation analysis summary BBQfun trades on a highly competitive growing market. Competitors fighting hard for every single market share. BBQfun is in a fortune situation to enter a niche market with only a few competitors and has also great potential to expand national wide. BBQfun has created an outdoor lifestyle range which is differentiated and superior to competitors. They offering a high quality range of products which costumer can see and test in stores.BBQfun offered to customer some great deals such as flexible payment plans, three year guarantee which is unique in the market, broadest range of products in the market, expert and friendly customer service and the most remarkable services that are better than anybody else. The marketing strategy will show how BBQfun can take advantage of this situation and increase significant they market share. Marketing strategy The advertising budget is $180k for the year 2012. The marketing campaign will mainly focus on print advertising such as magazines, direct mails and local newspaper.It is also consider a radio advertisement. Previous years showing a high increase of sales after publishing articles in the BrisNews magazine. That will be consider as the most successful strategy. The aim of the marketing strategy is to increase the loyalty customer from 10,000 to 16,000 and to establish a brand recognising in Queensland so that two out three people recognise BBQfun. BBQfun like to increase they growth rate at at least 10% within the next year and continuously growing the gross profit margin. Target marketThe target market is divided in three segments: new b uilds, renovations and replacements. A customer survey shows that BBQfun most loyal costumers are new builds. These group present 30% out of all costumers. All three segments groups are willing to buy online and pay for delivery. New builds are service, quality and price focus as well as loving to buy Australian made. They are loyal reader of the BrisNews magazine. Renovator usually living in other parts of the country and for them is service and quality the more important than price.Those consumer are loyal to print and online version of the Aspire Outdoor magazine. Replacement costumer are different. they love to support australian jobs and looking for good quality as well. Costumer service is not so important than price. These group are reader from BrisNews magazine as well. Marketing mix BBQfun pricing strategy is comparable prices for comparable quality. The value and quality are more important than the price but this will be backed up with a three year guarantee. BBQfun has tw o stores in Queensland which can be easily access and has large car parking arrangements.The most successful campaign will be ads and insert in the BrisNews, this along will reach 40% of loyal costumer, as well as informal articles and reviews. In-store promotion will take place and competitions with prizes to exotic destinations. BBQfun philosophy is ‘customer is king’ whatever needs to be done to make the customer happy must occur. This creates a loyal costumer base and those costumer are happy to recommend BBQfun to friends. Marketing strategy summary The aim is to build such a good reputation and brand awareness that BBQfun will be position as the premier outdoor lifestyle store in Queensland within five years.The marketing strategy to reach that aim is to first create customer awareness regarding their services offered, develop that customer base and building costumer loyalty and referrals. The message BBQfun will communicate is that BBQfun offers the widest, most exotic, easy access outdoor lifestyle products in Brisbane. Marketing methods: direct mail, ads and inserts in BrisNew magazine and flyers in the letterbox. The marketing mix will send messages to consumers about the excellent high quality products with a three year guaranty which is unique.It’s necessary to let consumer know the stores are easily accessible and there are lots of car parking available. This will happen through ads, inserts and article in BrisNews magazine, following the BBQfun philosophy ‘customer is king’. Potential new markets Export markets One of the first questions is to ask which country or countries do BBQfun export to first? Should BBQfun start with the USA, being the largest of the English speaking, common law based countries? Or perhaps the UK, because BBQfun is familiar with the culture and the customer?Or maybe BBQfun should capitalise on the Chinese opportunity, because it’s the highest growth market? The selection of BBQfunâ €™s first export market needs to be based on a well crafted pre-export plan and a carefully developed set of criteria. It needs to include a delicate balance surveying multiple initial market opportunities against BBQfun current level of resources, experience, and desired short and long-term business goals. Only then can BBQfun commence the culling process that enhance the business into the handful of optimal markets BBQfun can consider initially exporting to.No company can expected to ace their first attempt in exporting to a new market. Consequences of  failing in a market can be damaging both short-term and long-term. Short-term consequences are better known, such as the waste of resources and time, opportunity cost, and cash-flow. In particular, is the flow-on damage these consequences can cause to your domestic business in the form of distraction and cash drain, and the general apathy that can then develop towards establishing new export markets going forward.But it is th e long-term consequences that are lesser known and under appreciated, in particular for companies who are trying to build a sustainable and valuable brand or reputation, with the view to selling their brand or company down the line. One is the penalty in valuation BBQfun may incur when the time comes to  sell your brand or services. Large acquirers, in particular multinationals who have a presence in several of your target export markets, may not pay BBQfun the same value for an unsuccessful export market that they may pay you for your booming domestic one.The following are just some of the benefits of exporting: depending upon BBQfun export strategy BBQfun may have access to overseas capital to fund your business growth in addition to the benefits of greater volume exporting to the ‘other’ hemisphere can greatly assist to smooth out the normal peaks and troughs of supplying the domestic market there maybe ‘residual markets’ overseas for products and serv ices that are in decline in the domestic market The mere process of overcoming the numerous hurdles of exporting can sharpen BBQfun’s commercial acumen and improve your business sustainability.Maximise exporting benefits BBQfun domestic business operations can also derive significant benefit from developing overseas markets as follow: Exposing BBQfun products/services to overseas competition forces BBQfun to compare they product offering and in so doing BBQfun may enhance they product or service to be more competitive. This can assist BBQfun competitive edge in their domestic market by either increasing market-share or improving margin—or in preventing overseas competitors competing in their market.As BBQfun’s product may need to be enhanced to market overseas—so may they marketing message and materials. Different markets require information presented in different ways (in addition to using new languages). The information gained this way can provide a rea ch stream of innovative introductions into BBQfun’s domestic market. To successfully access export markets may require changes to internal systems and processes—all of which can/should be used to enhance service delivery in the domestic market.Typically expanding into export markets requires bringing additional skills into the business and this can be achieved through training, hiring qualifies staff or outsourcing support. Is BBQfun export ready? Notwithstanding the above developing overseas markets is not for the fainthearted—penetrating new markets with different languages, cultures and currencies requires time, skills, concerted effort and cash (working capital). If done incorrectly chasing export markets can potentially negatively impact the domestic business.The first step is to evaluate your readiness for export. To address this question you must answer the questions: Does BBQfun has or can get access to appropriate skills? Does BBQfun has the capacity no w (product or service delivery) to service export markets? Is that capacity scalable, what are the limitations? Will developing export markets draw resources, skills, money and capacity? Typically export markets involve a longer payment cycle and a reduced margin plus volumes can be significant.Can BBQfun fund this additional working capital or can it source the appropriate funds? Has BBQfun researched target markets in depth and been able to identify how the value proposition of they product or service differs from local and other international competition? BBQfun has great potential to expand to foreign markets. Marketing opportunities Business development strategies seek to match marketing opportunities to the organisation's resources (what it can do) and its objectives (what management wants to do).It is useful to have a framework for thinking about the broad kinds of marketing opportunities we seek to find. The Ansoff’s model is one of the best tools for organisations to develop market and product expansion strategies. [pic] All organisations must find new attractive marketing opportunities to grow. But the challenge lies in determining which marketing opportunity offers the most long-term success. Marketing mix Product New products have been introduced and some discontinued. BBQfun offered australian made and imported products with the focus of australian made.This is a positive balances on current demands of customer. This means customers getting a wider range of different products and they can decide on quality and price. Price Price is an important part of a retail marketing mix. If BBQfun’s customers cannot afford the products, they are unlikely to frequent your store. Most of the products in BBQfun’s store should be in a comfortable range for their target audience base. To get this information, BBQfun will need to perform an audience analysis to get an idea of median income and spending power.To create a sense of desire and to g ive an option for a splurge, BBQfun can also sell some itmes that are priced just out of your target customer’s normal price range. Place In retail, the design of the store and the way BBQfun present their products is an important part of the marketing mix. The display should fit BBQfun image so that customers encounter a cohesive experience. In a high-end retailer, products are often placed father apart to create a sense of scarcity and exclusivity; in a computer store, display models are set at waist height to allow testing.Placement can help bring certain products to attention and promote itmes BBQfun want to sell more of. Promotion Promotion is the most recognisable part of the marketing mix. It involves all of the marketing activities BBQfun does to let their customers know about the products they offer. For a retail outlet, BBQfun might advertise in newspapers and on the radio, start a social marketing campaign, use marketing emails, hand out flyers or plan grand-openin g events. BBQfun promotional campaigns should be targeted to they customer base.Choose publications that they read, stations they listen to or watch, and copy or graphic design that will resonate with them. ecommerce Australia’s bricks and mortar retailers have been doing it tough of late. But then, it is getting hard to remember a time when they weren't. But while news reports are filled with stories of companies such as Borders, Blockbuster and Premier Retail closing stores, many of Australia's online retailers are going from strength to strength. But with competitors just a click away, they also know that staying ahead of the game in online retail is a never-ending race.Different research showed that three quarters of Australia's online retailers planned to increase their investment in technology in the following year, spending more on core systems, mobile solutions, back office integration, and multi-channel retail strategies. Which ultimately should benefit consumers in terms of range and service. Business-to-Business marketing B2B marketing is about meeting the needs of other businesses, though ultimately the demand for the products made by these businesses is likely to be driven by consumers in their homes.Put very simply, business-to-business marketing is the marketing of goods and services to businesses in order to keep those companies operating. The biggest differences between business-to-business and business-to-consumer marketing are the types of goods and services being marketed and the types of entities the goods and services are being to marketed to. B2B marketers promote goods and services that will help other companies run. Some of the things businesses produce for other businesses include equipment, components, raw material, processing services and supplies.In addition, because B2B marketers target only other companies, they have a significantly more targeted market than business-to-consumer marketers. Even when marketing very specific products for a fairly small subset of individuals, the latter type of marketer has a far larger audience than the former. Many B2B marketing is driven by costumer demand. If there are no consumer to purchase a product, there is no reason for a business to exist in order to make it. If that business does not exist, it will obviously not need the products and services offered by another business.Also, the goals of businesses and consumers are often the same. When choosing a company for goods and services, most consumers and businesses will make a decision based upon price, quality, delivery time and their history with the business. Other considerations might be the availability of the product or service and the quality of customer service if something goes wrong. B2B marketing is currently one of the fastest-growing areas of marketing. As technology brings more businesses together, companies are beginning to court each other far more aggressively.And as technology makes the world a s maller place, it becomes more important for marketing and sales professionals to understand and implement the principles of B2B marketing. Direct marketing Direct marketing is a channel-agnostic form of advertising that allows businesses to communicate straight to the customer, with advertising techniques that can include text messaging, email, interactive consumer websites, online display ads, fliers, catalog distribution, promotional letters, and outdoor advertising. Direct marketing messages emphasize a focus on the customer, data, and accountability.Characteristics that distinguish direct marketing are: Marketing messages are addressed directly to the customer. Direct marketing relies on being able to address the members of a target market. Addressability comes in a variety of forms including email addresses, mobile phone numbers, Web browser cookies, fax numbers and postal addresses. Direct marketing seeks to drive a specific â€Å"call to action. † For example, an adver tisement may ask the prospect to call a free phone number or click on a link to a website. Direct marketing emphasizes trackable, measurable responses from customers — regardless of medium.Direct marketing is practiced by businesses of all sizes. A well-executed direct advertising campaign can prove a positive return on investment by showing how many potential customers responded to a clear call-to-action. General advertising eschews calls-for-action in favor of messages that try to build prospects’ emotional awareness or engagement with a brand. Even well-designed general advertisements rarely can prove their impact on the organisation’s bottom line. Direct marketing is attractive to many marketers because its positive results can be measured directly.For example, if a marketer sends out 1,000 solicitations by mail and 100 respond to the promotion, the marketer can say with confidence that campaign led directly to 10% direct responses. This metric is known as t he ‘response rate’ and it is one of many clearly quantifiable success metrics employed by direct marketers. In contrast, general advertising uses indirect measurements, such as awareness or engagement, since there is no direct response from a customer. Marketing opportunities summary and recommendations Direct marketing campaignBecause of a limited marketing budget it is recommended to continue the already successful direct marketing campaign. BBQfun can prove a dramatic increase of sales immediately after articles in BrisNews were published. BBQfun might think about to do the same for the Gold Coast store surrounding area. It is also important to continue with targeting the locals living around the stores with direct mail, flyers and local advertising. The advantages for BBQfun using direct marketing are clear: Direct measurement of success: sending 1000 mails, response is 200 = 20% direct response, sending emails, BBQfun can monitor open rates and click rates.BBQfun c an use this through offering specials to consumer. Measuring results by product line, use historical data. If BBQfun usually sell 1,000 units of a particular product a month, and during the campaign response period they sell 1,050, BBQfun has an indication of effectiveness. (When using historical data, be sure to take seasonal variations in sales activity into consideration. ) Specific targeting: directly sending information to individuals, BBQfun can specifically target the demographic they wish to reach. This can enhance response rates as the information is relevant to BBQfun.This also gives BBQfun the opportunity to personalise each interaction, such as addressing emails with the name of the customer or individual. Cheap and quick production: depending on which form of direct marketing you select to use, it is generally cheap and quick to produce. Email campaigns, for example, have little cost, do not take much time to create and are delivered to people’s inboxes instantan eously. Potential to build list of potential or existing customers: if BBQfun regularly engage with potential or existing customers, they can build a database of contacts for future use.This makes targeting even easier for future marketing campaigns, giving BBQfun a pool of prospects to market to. The Internet has made it easier for marketing managers to measure the results of a campaign. This is often achieved by using a specific website landing page directly relating to the promotional material. A call to action will ask the customer to visit the landing page, and the effectiveness of the campaign can be measured by taking the number of promotional messages distributed (e. g. , 1,000) and dividing it by the number of responses (people visiting the unique website page).Another way to measure the results is to compare the projected sales or generated leads for a given term with the actual sales or leads after a direct advertising campaign. e-commerce campaign We are living in the In formation age. Internet has changed our lives and these changes are irreversible. The more people get on to internet and search for information, the more opportunities begin to develop for e commerce. There is no choice for BBQfun but to get on to the e-commerce way. Advantages of e-commerce: Internet being a world wide web, opens up the world as a market to the businesses.Businesses can reach out to millions of customers in an instant which is not possible in any conventional mode of marketing. One of the most significant advantages that e- commerce offers is the cost. The cost of marketing online across the globe is minuscule when compared to the actual cost of marketing in the conventional ways. The cost per transaction works out to be very cheap. E-commerce promotes paperless offices and processes thus contributing to savings in terms of resources too. And also looking at e-commerce from a marketing perspective brings the product or the service closer to the customer.It enables the customer to view, read, download and experience the product. The other significant difference from conventional marketing is that the online marketing enables the marketing company to customise its sales pitch or product offering to the customer. As against the conventional modes which target consumers and markets at large, with internet marketing and E Commerce it is possible to target every single individual making it more personalised and customised offer. Ways BBQfun can measure the success of they e-commerce site:Number of orders processed through the site: this is an simple metric to measure on a weekly or monthly basis. Plot the results on a graph and it is easy to see how orders flow through the site and how quickly they e-commerce presence is growing. Number of customers using the site: measuring how many people have registered to use or are using an e-commerce site demonstrates adoption of the channel and the credibility and usability of a site. This metric is a critic al e-commerce measure for a brand new site or for a company expanding into the world of e-commerce for the first time.Average cart total: analyzing the average cart totals and whether the totals are trending up or down will help BBQfun qualify the success of their site merchandising and promotional efforts. When average cart totals spike, BBQfun can figure out why so that you can repeat a successful promotion in the future. Cart abandonment rate: the number of carts that are abandoned on the site is a clear indicator of how the site is performing. Taking a closer look at exactly when customers bail out will tell BBQfun where the problem is and keeping tabs on abandonment rate will help BBQfun fix issues before they become major problems.Percentage of total revenue: when looking at the total revenue, what percentage is attributed to e-commerce? Measuring this percentage periodically will give BBQfun a sense of they overall adoption rate and the success of the site. These and many mor e advantages make obvious BBQfun sense for to market their products and services online. Both marketing strategies will increase the sales figures and the market share, grow the business, strength the reputation of BBQfun and give BBQfun the opportunity to expand to national and international markets as well and everything with a low budget.Sales prediction Least squares method Year |Sales (y) |Coded time (x) |XY |X2 | |2012 |11,000,000 |1 |11,000,000 |1 | |2013 |12,000,000 |2 |24,000,000 |4 | |2014 |15,000,000 |3 |45,000,000 |9 | |2015 | | | | | |Total ? |38,000,000 |6 |80,000,000 |14 | |Mean xy |12,666,667 |3 | |4. 67 | | b = 80,000,000 – ( 3 x 3 x 12,666,667 ) = ( 80,000,000 – 114,000,003 ) 14 – ( 3 x 4. 67 ) = (14 – 14. 01 ) b = – 34,000,003 – 0. 01 b = 3,400,000,300 a = 12,666,667 – ( 3,400,000,300 x 3 ) = 12,666,667 – 10,200,000,900 = – 10,187,334,233 y = a + bx Sales prediction for 2015 is $ Apply marketing opport unities to BBQfun E-commerce marketing Entering the e-commerce market is essential because of the change with technological advancements where most organisations and businesses are deciding to follow the trend. E-commerce marketing will help expand BBQfun to sell products internationally and nationally and make new markets and target audiences discoverable. This will result in financial growth with new sales and consumers.BBQfun already has existing storage places therefore are logistically prepared to enter the e-commerce market. BBQfun stock regulations could be managed in the future in respect to sales and marketing research. E-commerce strategies will help with discovering new markets and new target audiences. There are no real costs involved where delivery can be paid for and managed by the company. However, website design, management and IT solutions will have some cost. The website design will need to incorporate yellow colours or bright summer-time themes.Yellow itself is a neutral colour that will appeal to both our male and female consumers. The website needs to be written concisely and in easy terms. After successfully applying e-commerce marketing strategies the next step is to cover B2B marketing in order to achieve brand recognition and increase sales. B2B and e-commerce marketing strategies both align with BBQfun’s business strategies and therefore assist the company in reaching aims. Direct marketing BBQfun already has implemented a direct market strategies through direct mail and local adversing in the BrisNews magazine.Most successful campaign was getting articles written in the BrisNews magazine where BBQfun experienced immediate sales after the articles were published. BBQfun should build on this strategy further by trying to get more publications with popular outdoor lifestyle related magazines in printed and online formats. Where these publications need to be highly tailored to the target audience. Expansion in the direct mailing p rogram to a national level will expand the business further and increase customer loyalty and reputation.There is low cost involvement in expanding the direct marketing segment where distribution, flyer/advertisement design and article placements will increase subtly. All flyers, mail and online material will need to aligned with the corporate design. The corporate design apparent in direct mailing will present a young, refreshing, exotic lifestyle to appeals to our target audience. All suggested strategies applied to BBQfun will lead the company to be a strong/healthy growing business and national and international recognized.

The Symptoms and Signs of Parkinson’s Disease - 650 Words

Parkinson’s disease is a disorder of the nervous system that progressively gets worse. The breaking down of certain neurons causes Parkinson’s. Many symptoms are due the lack of dopamine, which is produced by some neurons. It may just start with tremors in one hand but will commonly grow and cause stiff or slow movement. There are no cures for Parkinson’s but there are medications you can take to improve different symptoms. Dealing with Parkinson’s can also be hard on the individual and their family so support groups may be helpful. So while the symptoms of Parkinson’s disease can be hard to deal with, along with the fact that there are no cures, it is possible to cope with it and receive support. The symptoms and signs of Parkinson’s disease vary from person to person and vary in severity. The most common first sign is a tremor-or shaking- in the limbs especially in the hands or fingers. This is often followed bradykinesia-or slowed movement -which can make previously simple tasks difficult and time-consuming as well as frustrating. This can be shown by shorter steps or dragging feet while walking or difficulty getting out of chairs. There can also be rigid muscle movements, limiting your movement and causing you pain; loss of automatic movements such at blinking can also occur. â€Å"Parkinson’s disease is often accompanied by these additional problems, which may be treatable.† (mayoclinic.org/disease-conditions) These problems include thinking difficulties, emotional changes,Show MoreRelatedSymptoms And Symptoms Of Parkinson s Disease Essay831 Words   |  4 PagesParkinson Disease by Melissa Green Topical Bibliography In partial fulfillment of the writing requirement for Anatomy and Physiology 304 and the Department of Speech-Language Pathology SUNY Buffalo State Fall 2016 Parkinson’s disease is a neurodegenerative disorder characterized by motor symptoms or tremors, rigidity, (bradykinesia) or slowness of movement and posture instability. 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Wishing Someone a Happy Birthday in German

If youre going to speak the language, its important to learn how to wish someone a happy birthday in German. Before giving birthday greetings, though, you need to know about an important cultural difference, especially among older Germans: Wishing a German a happy birthday before his special day is considered bad luck, so dont do it. And as for gifts and cards you may want to send, make sure to mark on the package that the recipient should open it only on his or her birthday or afterward—but never before. There are a number of ways to say happy birthday in German, but birthday wishes can vary widely whether they are spoken or written, or even depending on where the recipient resides in Germany. Spoken Birthday Expressions The following phrases first show how to say happy birthday in German, followed by the translation in English. Note that the translations are the English equivalents and not literal, word-for-word  translations. Herzlichen Glà ¼ckwunsch zum Geburtstag!   Happy birthday!Alles Gute zum Geburtstag!   Have a good birthday!All das Beste zum Geburtstag!   All the best on your birthday!Viel Glà ¼ck zum Geburtstag!   Best of luck on your birthday!Ich gratuliere Ihnen zu Ihrem 40/50/60 etc.   Congratulations on your 40/50/60th etc. birthday.Herzlichen Glà ¼ckwunsch nachtrà ¤glich.   Happy belated birthday. Written Birthday Expressions You can write all of the above-mentioned expressions in a card, but if you want something a little more ausfà ¼hrlicher (detailed), you may want to try some of these expressions. Herzlichen Glà ¼ckwunsch zum Geburtstag und viel Glà ¼ck/Erfolg im neuen Lebensjahr!   Happy birthday and much happiness/success in the new year.Ich wà ¼nsche dir zu deinem Geburtstag alles Liebe und Gute—verbringe einen wunderschà ¶nen Tag im Kreise deiner Lieben.   I wish you all the best on your birthday. May you spend a wonderful day surrounded by those you love.Ich wà ¼nsche dir einen herzlichen Glà ¼ckwunsch zum Geburtstag und alles Liebe und Gute und ganz viel Gesundheit und Spaß. Lass dich schà ¶n feiern.   I wish you a happy birthday and all the best and much health and fun. Have a good time celebrating.Herzlichen Glà ¼ckwunsch und alles Gute zum Geburtstag wà ¼nscht dir (your name).   I wish you happy birthday and all the best on this day.Herzlichen Glà ¼ckwunsch zum (birthday number)sten und alles Gute. Happy Xth birthday and all the best. Happy Birthday From All Over Germany Not every city or town in Germany says happy birthday the same way. You may run into variations in dialect, depending on where you are in the country and where the birthday  Junge oder Mà ¤dchen, Mann oder Frau  (boy or girl, man or woman) lives. The city or region is listed on the left, followed by the German happy birthday greeting and then the English translation. Bayern (Bavaria): Ois Guade zu Deim Geburdstog!   Happy birthday!Berlin: Alles Jute ooch zum Jeburtstach!   All the best on your birthday!Friesland: Lokkiche jierdei!   Happy birthday!Hessen (Hesse): Isch gratelier Dir aach zum Geburtstach!   I congratulate you on your birthday.Kà ¶ln (Cologne): Alles Juute zum Jeburtstaach!   All the best  on  your birthday!Norddeutschland (Plattdeutsch - Low German): Ick wà ¼nsch Di alls Gode ton Geburtsdach!   I wish you all the best on your birthday.

What I Think About The World Of Personalities Has Been...

Introduction: What is the first thing you think of when someone says the word personality? Do you think along the lines of birth order or someone being outgoing or shy? Those are both normal thoughts of what personalities are. Always I would immediately think of the four temperaments. In my research I plan to prove that personalities come in different temperaments known as choleric, melancholy, sanguine, and phlegmatic. I will be explaining and talking about each one; Where they came from, how they are different, similar, and what they mean, and also how certain temperaments people have affect how they get along with others and what jobs suit them better and why. Pages1-5: [Based off of the order of my thesis] Describe each Exploring the world of personalities has been remarkably interesting. What originally sparked my interest was my curiosity of what personality I personally have and how everyone is so uniquely different. The four temperaments are what I m going to branch off of. The four temperaments are choleric, melancholy, sanguine and phlegmatic. Cholerics are often found to be the ‘Alpha† of our species, known as being dominant leaders, being more extrovert. Melancholic is definition of perfectionist who is introverted and sensitive. Phlegmatics are very submissive, indecisive people pleasers who are introverted. Sanguines are extremely extroverted, who are social butterflies who enjoy being center of attention being their bubbly, chatty outgoingnessShow MoreRelatedBrooklyn Nine, Nine : Character Analysis Of Brooklyn Nine-Nine1584 Words   |  7 PagesBrooklyn Nine-Nine is a show about Jake Peralta, a talented NYPD detective who never really learned how to be an adult, following hi s cases and developing relationships with his co-workers in the 99th precinct. This show is unique in the way it handles a lot of politically hot topics in a tasteful and humourous way, never making offensive jokes or reducing their characters to stereotypes. 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We can say that Dorothea was typical Indian women. Other side Mr. and Mrs. Bulstrode also face a marital crisis due to his inability to tell her about the past and Fred Vincy and Mary Garth also face aRead MoreLiterary Review of Rabbit Run by John Updike Essays3013 Words   |  13 PagesLiterary Review of Rabbit Run by John Updike John Updikes novel, Rabbit, Run, is about a man named Harry â€Å"Rabbit† Angstrom. Rabbit is a brainless guy whose career as a high school basketball star peaked at age 18. In his wifes view, he was, before their early, hasty marriage, already drifting downhill. We meet him for the first time in this novel, when he is 22, and a salesman in the local department store. Married to the second best sweetheart of his high school years, he is the fatherRead MoreOlouadah Equiano Essay2238 Words   |  9 PagesMeasuring the Moment, eloquently made the claim for Equianos Interesting Narrative as a reliable documentary source. Sandiford writes, Throughout the narrative, [Equiano] makes a conscious effort to delineate the principal incidents and experiences of his life as faithful memory would allow and to appraise his conduct with honest judgement and sober reflection (119). To me this is how Equiano embarks on making his narrative credible: I believe it is difficult for those who publish their own memoirsRead MoreA Response to the Article on Society and Gender3698 Words   |  15 Pagesï » ¿SOCIETY AND GENDER ARTICLE RESPONSE How did your upbringing shape your gender behavior? Do you agree or disagree with Blum that both biology and society are responsible for our gender behavior? I agree completely with Blum. Specifically, I appreciate the way that she describes gender-specific behaviors as faint signals that get amplified by the socialization process and to our being born with predispositions toward gender-specific behavioral norms. 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More hits from the right Essay Example For Students

More hits from the right Essay Officials in Cobb County, Ga., a suburb of Atlanta, voted to cut all county arts funding in late August, after initially moving to pass a resolution to restrict funding to organizations and programming that advance and support strong community and family-oriented standards. The anti-arts vote sidestepped the issue of free speech guarantees by eliminating support to the arts across the board. It came after productions of David Hwangs M. Butterfly and Terrence McNallys Lips Together, Teeth Apart at Theatre in the Square in Marietta sparked stormy controversy between members of the countys Board of Commissioners, the local arts community, gay rights activists and antigay factions. The proposed amendment to the Cobb Countys Cultural Affairs Policy stemmed from reports that the McNally play promotes gay lifestyles, although the play features no gay characters and the production received no negative audience response. It was in fact selected the best show of the season by the theatres patrons in their annual award ceremony. But commissioner Gordon Wysong who did not see the play proposed the restriction, adding that future programming should be taken into account before any grants are awarded. The chairman of the commission, Bill Byrne, supported the restrictions, citing his experience at Theatre in the Square the previous season, when he and his wife were so offended by the material in M. Butterfly that they left before the final curtain. The controversy raged in the Atlanta suburb for much of the summer, with arts advocates accusing the commission of censorship. Theatre in the Square artistic director Michael Horne defended his theatres programming, noting that it produces a wide range of plays, and that we didnt get here by doing bad work or work thats out of touch with the community. Suspension of its county funding would represent a loss of about five percent of the theatres operating budget. Last year, the theatre received nearly $41,000 from the countys $123,000 arts fund. While county commissioners were still deliberating the outcome of the proposal by holding two public hearings, they passed a second measure declaring that gay lifestyles are incompatible with community standards and in support of established state laws regarding gay lifestyles. Although the intent of this measure was to prohibit the extension of domestic partnership benefits to county employees a reaction to the city of Atlantas recent decision to do just that many members of the community saw the two proposals as intrinsically related. After gay rights groups threatened legal action against the county if funding restrictions were aimed at arts groups or projects with homosexual themes, the county Board of Commissioners voted to eliminate all county arts funding and redirect the $123,000 annual appropriation to be used by local police. Exhibiting the offensive   On another front, Martin Mawyer and the Christian Action Network whose evangelical anti-NEA fervor prompted a lobbying campaign for total agency defunding because of the Whitney Museums Abject Art exhibit continued their attacks in Washington right up until recess. In late July, the Christian Action Network assembled a display of photographs of offensive art works allegedly funded by the NEA and sent invitations to every member of Congress to view the exhibit in the Capitol building, but the showing was banned before anyone arrived. Rep. Philip Crane (R-Ill.) had reserved the room, which is under the jurisdiction of the House Ways and Means Committee, but permission was withdrawn by Rep. Sidney Yates (D-Ill.) and Rep. Dan Rostenkowski (D-Ill.) when they determined that rules on lobbying in the Capitol would be violated if the exhibit were allowed. Later, House Speaker Thomas Foley (D-Wash.) closed the exhibit down after 15 minutes in a House annex room, which Mawyer claimed had bee n booked through Rep. Cranes office, but which Foleys staff said was never confirmed. .ua19138661aba0585d773776685e2a367 , .ua19138661aba0585d773776685e2a367 .postImageUrl , .ua19138661aba0585d773776685e2a367 .centered-text-area { min-height: 80px; position: relative; } .ua19138661aba0585d773776685e2a367 , .ua19138661aba0585d773776685e2a367:hover , .ua19138661aba0585d773776685e2a367:visited , .ua19138661aba0585d773776685e2a367:active { border:0!important; } .ua19138661aba0585d773776685e2a367 .clearfix:after { content: ""; display: table; clear: both; } .ua19138661aba0585d773776685e2a367 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua19138661aba0585d773776685e2a367:active , .ua19138661aba0585d773776685e2a367:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua19138661aba0585d773776685e2a367 .centered-text-area { width: 100%; position: relative ; } .ua19138661aba0585d773776685e2a367 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua19138661aba0585d773776685e2a367 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua19138661aba0585d773776685e2a367 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua19138661aba0585d773776685e2a367:hover .ctaButton { background-color: #34495E!important; } .ua19138661aba0585d773776685e2a367 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua19138661aba0585d773776685e2a367 .ua19138661aba0585d773776685e2a367-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua19138661aba0585d773776685e2a367:after { content: ""; display: block; clear: both; } READ: Bridging the gulf EssayIn a statement released by Mawyer on the day of the exhibit, he vowed that the Christian Action Network will continue to monitor the NEAs funding practices and continue to expose those artists and works of art which are patently offensive to most Americans. Just as the furor over Mawyers accusations were beginning to die down, the NEA faced another controversy. In early August, newspapers reported that three California artists were giving away most of a $5,000 NEA grant to illegal immigrants in the San Diego area in a project called Arte-Reembolso/Art Rebate. Flyers accompanying the bills stated, This $10 bill is part of an art project that intends to return tax dollars to taxpayers, particularly ~undocumented taxpayers. The art rebate acknowledges your role as a vital player in an economic community indifferent to national borders. Subsidized giveaway   By giving the money away in $10 bills, the artists said they were making an artistic and political statement about the interaction of physical space with intellectual space and civic space and demonstrating the economic role illegal immigrants play in southern California. The project received NEA funding from the Museum of Contemporary Art in San Diego, as part of an exhibit called La Frontera/The Border, one in a series of exhibits in a four-year project at the museum titled Dos Ciudades/Two Cities, which received a $250,000 NEA grant that was matched three-to-one with state, city and private funding. According to the museums director, Hugh Davies, the NEA financed only the four-year project and did not know about the money giveaway. Republican Congressman Randy (Duke) Cunningham of San Diego was quick to respond with outrage. I can scarcely imagine a more contemptuous use of taxpayers dollars, he wrote to the NEA, while NEA spokesman Josh Dare told the press that not only did the agency know nothing about the project in advance or fund it specifically, but these three artists are very adept at pushing peoples buttons.

The Dividend Tax Cut and Interest Rates free essay sample

President George W. Bush announced a package of tax cuts with the hopes that, when implemented, the tax cuts will stimulate the currently slow U. S. Economy. The centerpiece of the Bush plan is to eliminate the taxes investors pay on dividend income. Currently, any money an investor receives when a stock she owns pays a dividend to its investors is added to her total income at tax time. So dividend income is treated the same way, and is taxed at the same rate, as income from working. If the Bush plan becomes law, dividend income will no longer e added to an investors total income. As a result the dividends become exempt from taxation. The exact details of the plan are not currently known, because it has not been debated or passed by Congress yet. As well, there is some uncertainty as to how the government will define dividend and what exemptions, rules, and loopholes will be written into the law. For the purpose of this article, we will assume that the dividend tax cut will be wide ranging and cover most stocks when Congress passes it. The Bush Administration hopes that by eliminating the dividend tax, investors will be encouraged to buy more stocks. This, they believe, will cause a rise in the value of the market. The main question is: where will investors find the money to buy more stocks? Incomes are not likely to increase a lot in the short-term. Thus, if investors are buying more stocks, they must, necessarily, be buying less of something else. It is likely that consumers will buy less of the good that is the closest substitute to stocks, and for most consumers that good is bonds. Bonds are, in essence, a loan taken out by a government or corporation, with the remises to pay back, to holder of the bond, a fixed amount at a later date. Bonds are a close substitute for stocks, because the two goods share many attractive qualities. Both stocks and bonds tend to appreciate in value over time. Also, unlike investments like real estate and collectibles, both bonds and stocks are liquid assets, meaning it is easy and inexpensive to find a buyer anytime one wishes to sell. There are millions of brokers and organizations that will gladly buy your bond at market rates; finding a buyer for your rare beanie baby collection would be much more difficult. Since bonds and stocks are substitutes, and the dividend tax cut will make owning stocks more desirable and bonds would become less desirable to investors. Bonds would be purchased in smaller quantities. Economic theory, as well as common sense, dictates that when demand for a good falls, the price of that good will fall as well. So the dividend tax, while having the intended effect of a rise in the price of stocks, will see a corresponding fall in the price of bonds. Ads Aka Battista Ha HOPSCOTCH broker. Rue rentable cobble19 8 Mope 30TH aqua COCOA Activate days enjoyment noggin Eligibly, Kenneth, CAPTIVITY www. Rusk. Rue Composite Koran Noah. Rapacity Ha monopoly_VIII 2 raga! XX Beach, gal._VOW, Waynesboro-m. Rue object-1 Kaplan a XX Beach AT 21 MM. Tanoak, annotate. Oceanographers! The Dividend Tax Cut and Interest Rates [Part 3: The Dividend Tax Cut How Does This Effect Interest Rates? ] More of this Feature Part 1: The Dividend Tax Cut Bushs Plan Part 2: The Dividend Tax Cut Substitution of Bonds for Stocks Part 3: The Dividend Tax Cut How Does This Effect Interest Rates? Part 4: The Dividend Tax Cut How Does Interest Rate Increases from Bonds Effect You? Part 5: The Dividend Tax Cut The Supply Side Part 6: The Dividend Tax Cut Have Your Say Related Resources Bush Offers Dividend Tax Cut Plan Dividend Tax Cut and Economic Stimulus Plan White House Release Dividend Tax Cut and Economic Stimulus Package Tax Policy Center Information on Dividend Tax Cut What does any of this have to do with interest rates? Well, the interest rate on a bond is inversely related to the price of the bond, meaning that as one goes up, the other goes down. Consider a discount bond with a maturity length of one-year. Suppose you buy a $100 bond with a maturity length of 1 year for $90. This meaner that you pay $90 today, and on this date one year from now, you receive $100. The interest rate you get on this bond (formally called the yield-to-maturity) is calculated by: r = (value price) / value In this equation r is the interest rate (or yield to maturity), price is the price you pay for the bond, and value is the amount you get in one year. Now as the price decreases, the interest rate increases. This increase in the interest rate as the price creases is shown in the following chart for a discount bond with a maturity length of one year. This rise in interest rates will not be limited to Just bonds. Banks and other financial institutions use their customers deposits to either buy bonds or to loan to other customers in the form of mortgages, car loans, and business loans. These loans usually carry an interest rate of Prime + X%, where X is a number based on the likelihood the borrower will go bankrupt and default on the loan. The more likely the lender is to default on the loan, the higher X is: this is why Bill Gates gets a utter rate on his mortgage than you do. Since interest rates tend to be calculated based on Prime and the likelihood of the borrower to go bankrupt, there is a perfect relation between them and the prime rate. The prime rate is the interest rate at which banks lend money for a short- specified term to large corporations that have little chance of going bankrupt in the near future. These loans are, in reality, bonds, since the large corporations have to pay them back at a specified date, and the banks can sell these loans to other banks or institutions if they wish. Thus, if the demand for bonds decreases and causes a rise in the interest rate on bonds, the prime rate will increase (because it is as an interest rate on a bond), and cause the rate of interest to rise on all loans. So far we have Just examined changes in demand, but we know that two factors always affect price: demand and supply. What effect will the elimination of dividend taxation have on the supply of stocks and bonds? We know that consumers are now willing to pay more for stocks, and less for bonds. Corporations obtain funds for new projects by either selling bonds or by issuing new stock. Since selling stocks is now more lucrative than issuing bonds, because of the relative change in prices, we should see more companies selling stocks, and fewer companies issuing bonds. Since the supply of bonds by corporations is decreasing, we should see the price of these bonds increase. So this will mitigate the fall in bond prices caused by changes in demand. In theory, it is possible for the supply effect to outweigh the demand effect; this would happen if there were large enough reductions in the amount of bonds issued. This would cause an overall rise in bond prices, and a lowering in interest tats. This is exactly the opposite of what Ive been arguing so far. However, a dramatic fall in the amount of bonds issued is highly unlikely for two reasons. The first is that companies usually prefer to sell bonds instead of issuing new stocks. This is due to the fact that when a company sells stock, it is diluting the ownership of the company. If a company issues too much stock, there is the risk that the a single investor or group of investors will be able to buy enough stock in the company to take it over, which is called a hostile takeover. Because of this, a big rush of new stock issues is unlikely. The second reason this is unlikely is that corporations are not the only entities that sell bonds. The federal government, along with state and municipal governments and public utilities all issue bonds for their funding needs. Most governments are currently running into budgetary crunches and many are running deficits for the first time in years. The federal government will be forced to run a deficit due to increases in spending and declining revenues due to this tax cut. To finance these deficits, governments will be forced to issue more bonds. Because the number of government issued bonds will increase, we should not expect to see a dramatic drop in the total overall value of bonds issued. Most economists feel that the elimination of the dividend tax will have the intended effect of raising the demand and price of stocks, which will cause a rise in the value of the various stock market indices. However, for any change in policy, we must not just examine the intended impact of the policy, but we must determine what its unintended consequences will be. One of the unintended consequences will be that the dividend tax cut will cause a rise in interest rates. This is bad news if youre planning to buy a car or house in the future, as your monthly payments will rise due to higher interest rates. Unfortunately, I havent seen any scientific studies on how much interest rates will rise due to this policy change. Economic theory can only tell us that interest rates will rise; an extensive econometric study is needed to determine what the magnitude of the rise will be. If you have any thoughts or predictions on what will happen, or know of a study I may have missed, please Join us in the forums. I look forward to hearing your input.

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