An Impartial View of College Essay Introduction Examples

<h1> An Impartial View of College Essay Introduction Examples </h1> <p>Being in school may be a little battle for a few. School life incorporates composing papers and application letters whether you're in the matter of organization or writing. School competitors bring in enough cash for universities it would not damage to give some back. Composing abilities in school isn't confined to articles. </p> <p>Keep at the top of the priority list your cutoff times and remember that a couple of schools may require more than 1 exposition or solicitation speedy sections just as the significant individual explanation. The understudy competitors at American universities get the upsides of the top quality training framework on the planet from which they may go on throughout everyday life. In like manner a lot of understudies feel as if they have to expound on a noteworthy life occasion or their most great accomplishment. In this way, numerous understudies and workers choose to get modest exposition instead of composing it themselves. </p> <p>An incredible school article acquaintance is fundamental with making your exposition stick out, so there's bunches of strain to get it precisely great. It is a smart thought to search for the one which has a phenomenal notoriety and offers excellent papers at truly moderate rates. A few reasons lead youth from all around the globe to our site. In the event that it's a rundown of subjects that you could pick from, at that point choose the one which most interests you and stick to it as your absolute first decision is ordinarily your best. </p> <p>A self-presentation paper is, much of the time, composed utilizing the principal individual point of view. The prologue to an exploration paper might be the most moving segment of the paper to compose. Keep in mind, in any case, your introductoryparagraph ought to likewise have a theory explanation to let your readerknow what your point is and what you're going to state about thattopic. A report just accumulates a great d eal of data on a particular subject and presents that data to the perusers without an uncommon turn on this issue. </p> <p>Running through the central layout of your paper in the acquaintance offers perusers an open door with review what your paper is about and your position on the issue or perhaps to assess how target you will be. The version of the program you're utilizing is not, at this point upheld. The presentation may have loads of obligation however that doesn't show you need to perspire composing it. It ought to give vital foundation data and catch their eye so as to guide it towards the theory and the whole paper. </p> <h2> The War Against College Essay Introduction Examples</h2> <p>You could have a momentous idea to impart to the Earth, however if you can't draw in perusers inside the primary couple of sentences, your thoughts could be lost. The expressions of a famous individual, for instance a writer, would be the perfect way to deal with start an article. Many individuals make the blunder of composing a passage that discloses what they're probably going to v isit about in the rest of the paper. They wrongly write a starting passage that clarifies what they are going to discuss in the remainder of the exposition. </p> <p>Essay presentation is your guide for the entire exposition. To do this, you should set up what explicitly you're concentrating on and the manner in which you'll structure your exposition. All things considered, your exposition needs a title. A self-presentation exposition may be among the simplest articles to start. </p> <p>When you start composing, don't worry about your paper's length. 650 words can appear to be a great deal, yet you can top this off expeditiously. You don't have to get your sentences flawlessly organized essentially to acknowledge you should dispose of the full passage. By method of model, consider the initial sentences from utilizing this article. </p> <p>Do not be reluctant to demand a sort of paper that you don't find in our rundown. In the event that you endeavor to take on an amazingly wide subject, you will wind up with a great deal of general proclamations and exhausting arrangements of your achievements. At the end of the day, schools wish to acknowledge somebody who's going to graduate, be prosperous on the planet and have the college associated with that achievement. The schools competitors aren't allowed to work subsequently don't get cash to purchase the necessities. </p>

Why Should We Go to College Essay?

<h1>Why Should We Go to College Essay?</h1><p>If you are an ongoing college alumni or on the off chance that you simply need to discover why you are graduating, your school exposition is the best open door for you to be recollected by your teachers and your companions. Your school article will assist with separating you from your schoolmates who are additionally experiencing indistinguishable things from you.</p><p></p><p>The subject of your school exposition can greatly affect your prosperity or disappointment at school. So the principal thing that you have to do is to choose what your objective will be. In the event that you are intending to work after graduation, at that point there are a couple of things that you ought to consider.</p><p></p><p>If you will find a new line of work after graduation, you should ensure that your school exposition is something that hangs out in the prospective employee meeting process. In this manner, you have to ensure that you have an applicable and noteworthy school exposition that exhibits what you can do and what your identity is. Additionally, you have to have an intriguing beginning to your school career.</p><p></p><p>This doesn't imply that you have to compose a confounded basic school paper. In the event that you are a new alumni, it may not be feasible for you to compose something that is testing and specialized and not all that open. You can even now use the intensity of language structure and accentuation to give your paper an edge over the other applicants.</p><p></p><p>One of the most ideal approaches to compose an exposition is to begin by recording your objectives. You can utilize this as the reason for your exposition and afterward pick a point that can assist you with arriving at those objectives. You have to mull over the structure of your school understanding. As it were, you have to recognize wha t schools you joined in, what classes you took, and what courses you passed.</p><p></p><p>This is one of the most significant piece of the school understanding. Along these lines, ensure that you remember your encounters for the theme that you are composing. Ensure that you utilize your encounters as the reason for your exposition and remember it for your school article. The key is to ensure that you utilize your encounters as the reason for your essay.</p><p></p><p>The school paper is simply the ideal possibility for you to communicate. Utilize a similar expertise that you utilized when you were in secondary school and compose a decent school article that will dazzle your school instructors and your classmates.</p>

Sample Essay Personality Introduction

<h1>Sample Essay Personality Introduction</h1><p>The initial phase recorded as a hard copy an example article character acquaintance is with ensure that the example paper has a reason. This article will give you a few rules on what you ought to remember for your example paper character introduction.</p><p></p><p>To start with, start by composing an outline of the material you will talk about in your introduction passage. Make certain to incorporate an introduction passage and an end section. The finishes of the passages may not be remembered for the finish of the entire paper. You may likewise need to keep in touch with one more section if your example exposition character presentation contains more than one conclusion.</p><p></p><p>In the composed introduction passage, you ought to clarify who the author is and why they need to compose the paper. In the event that it is for an understudy of the composing calling, clar ify why you are composing the paper. In the event that it is for an individual peruser, clarify why you might want to peruse the paper. On the off chance that it is for a coach, let the peruser comprehend what you are planning to accomplish.</p><p></p><p>For understudies who are beginning as authors, or even the individuals who are coming back to the study hall, clarify why they accept their composing abilities are required. Regularly, understudies who need composing assist feel with compelling to create work rapidly and distribute it at the earliest opportunity. This isn't really valid for all understudies, yet it is acceptable to state it in light of the fact that numerous understudies will require composing help. Understudies who need composing help in some cases feel overpowered. For instance, you can give instances of test articles that offer composing help in the exposition character introduction.</p><p></p><p>Next, list the esse ntial thoughts in your paper and sentence, alongside the sentences they support. On the off chance that it is a number, at that point you can list the quantity of the sentence and the quantity of the thought. You can likewise list every thought in enclosure toward the finish of your example exposition character introduction.</p><p></p><p>The last point you have to make in your example paper character acquaintance is with portray the focuses you trust the peruser will make. For instance, you may state: 'This example exposition character presentation will give the peruser a prologue to me and my objectives throughout everyday life.' 'This example paper character presentation will get the peruser amped up for what they are going to find.' The thought is to make expectation for the peruser. You can utilize a decent portrayal to get the peruser amped up for the article character introduction.</p><p></p><p>Following these rules, composing an example exposition character presentation can be a decent procedure for trying authors. The structure of the exposition can likewise be useful on the grounds that it will guide the author to look over the numerous kinds of starting papers that are available.</p>

Hedge Fund and Investment Industry Free Essay Example, 2000 words

All of the tools, which are mentioned above are considered as the basic requirements of hedge fund management activities. Therefore, conducting research in the field of hedge fund management has always been an integral part to build career in finance. Moreover, developing the cognizant regarding the basic requirements of finance can help me in achieving a competitive advantage in getting into the field of hedge fund management. Research Based Articles on Hedge Funds Management Article1: Emerging Market Sovereign Debt Funds The Research based article by McIntosh (2012) indicates that the Adelante Emerging Market Debt Fund, which is focused on the returns based on emerging markets. The fund, which is based on emerging markets is relatively an unusual strategy and can be established only in the hedge funds. Theoretical Relevance to Hedge Funds Research The article gives knowledge regarding how hedge fund strategies can be established and how the returns are designed. Moreover, the article can help in identifying the innovative and highly risky strategy, which can guide the reader regarding the hedge fund management strategies. Methodological Relevance to Hedge Fund Research The research methodology followed by the research based article is quite exploratory in nature. We will write a custom essay sample on Hedge Fund and Investment Industry or any topic specifically for you Only $17.96 $11.86/pageorder now There are no hard and fast rules that need to follow for managing the hedge funds. Therefore, the research work on hedge fund management can help in identifying the new horizons for further research on the topic area under study. Relationship between selected article and the research on hedge fund investments The Research article, which is based on Adelente Emerging Market debt Fund, identifies the fund management activities in the area of Hedge funds. In addition to this, the article is clearly focused on identifying the financial fundamentals of emerging markets along with the comparison with the financial fundamentals of developed markets. Therefore, the article is directly related to identifying the hedge fund management strategies, which is my area of interest for research. Strengths & Weaknesses The Strength of this article is that the researcher has very minutely studied the comparison of financial indicators between emerging markets and developed markets. The weakness of this article is that it has missed some other factors, such as the sustainability of the developed markets. Article 2: Institutional Investor’s Sentiments The second research based article by Morgan Brokerge (2012) identifies the link between the institutional investor sentiments due to the market movements and the hedge Funds Strategies.

How to Define and Defend Your Evaluation Essay Topic

<h1>How to Define and Defend Your Evaluation Essay Topic</h1><p>Evaluating and supporting an assessment exposition theme is a key necessity for an understudy who wishes to be acknowledged for additional investigations in a PhD program. This is on the grounds that you will be solicited to make a huge number from articulations as a component of your assessment, and it would thusly be fundamental that you have an all around built article which you can use to show why you have the right to be given the honor. It is additionally significant that you give a powerful legitimization to why your assessment ought to be held to better expectations than that of your peers.</p><p></p><p>There are two things you have to do in the planning of an assessment. Initially, you have to ensure that you draw in with the material before you proceed to form your paper. There is nothing more regrettable than getting to holds with the material and afterward having no c hance to get of watching that you have secured all the material. Also, you have to consider whether there is any point in investing so much energy looking into the subject yourself.</p><p></p><p>Many understudies think that its extremely valuable to discover what individuals are stating about the theme on the Internet or in composed materials, for example, a class conversation, oral tests, or research papers. The Internet has become the new prime gathering for online discussions where everybody's sentiment regarding a matter can be examined with the end goal of discovering precisely what others think.</p><p></p><p>There are a few sites committed to class conversations which contain study guides for all assignments. They can be valuable in helping you see whether you should endeavor an area or not, and on the off chance that it merits postponing until the following semester. You can likewise discover how different understudies who have accepted a similar test as you did made their last decisions.</p><p></p><p>If you do mean to utilize the Internet for your schoolwork or survey questions, do make certain to search for a website that will offer an unconditional promise. This is on the grounds that a large number of these destinations will in general have a worked in survey segment where the individuals who discover the inquiries troublesome can offer remarks and give proposals, which may not be valuable. The exact opposite thing you need is to be criticized by your kindred understudies on this point!</p><p></p><p>Writing an exposition is an amazingly troublesome procedure and you will positively be put to extraordinary lengths to guarantee that your understudies are intrigued with the nature of your work. On the off chance that you get a passing evaluation on your last assessment, you will feel a gigantic feeling of pride and fulfillment. Regardless of whether it doesn 't intrigue your understudies, the fulfillment which you gain from thinking of an amazing assessment will assist you with working harder and give you a chance to put forth a concentrated effort much more to your PhD proposal. You may even have the option to increase some understanding as an exposition official, as you likely could be required to review a thesis in the interest of your counselor and furthermore need to apply a similar degree of ability to the survey of the dissertation.</p><p></p><p>Hopefully your understudies will feel dazzled by your exhibition on your task grade, yet in the event that they don't, at that point you will have the option to see precisely why. To get your thesis assessment grade, you have to do a decent arrangement of research and readiness, and that implies finding support from online assets to ensure that you can ensure that your assessment is of the most noteworthy standard.</p>

The Dos and Donts of Writing an Authors Name in an Essay

<h1> The Do's and Don'ts of Writing an Author's Name in an Essay </h1> <h2> The Downside Risk of Writing an Author's Name in an Essay </h2> <p>For case, in case you're handling a paper that handles a particular thought or guideline, you can consolidate an up quote that fits with your theory in your decision and just by doing you will have added a generous significance to your paper. In this way, paper was characterized in various ways. It is conceivable to likewise observe book diagram. A few option sensible structures for papers are imagined as graphs, making them easy to execute or adjust in the structure of an argument.</p> <h2> What You Must Know About Writing an Author's Name in an Essay</h2> <p>The dominant part of them do, in any case. End looking like your thesis thought. </p> <h2> Finding Writing an Author's Name in an Essay</h2> <p>It is prescribed to consistently present your statement with at le ast three sentences as opposed to just bouncing to the statement. The statement should be placed in its section. Refering to a statement is a needy variable mostly dependent on the kind of reference rule you're relied upon to utilize. </p> <p>The reference can be presented by utilizing a line of content along with a colon. While picking the reference index organization of a paper is anything but an issue of utilizing the most every now and again experienced. So be mindful to the manner in which you set the main name and just the past name of the subsequent creator. </p> <h2>Why Almost Everything You've Learned About Writing an Author's Name in an Essay Is Wrong </h2> <p>Successful forming is mandatory forever expanded accomplishment. You may utilize the MLA layout for making your work appear to be an expert one. Composing a blueprint may look an exercise in futility in the event that you as of now comprehend what you are probably going to expound on. </p> <p>You don't need to be a specialist essayist as a way to effectively compose and dispatch your eBook. Origin is alarming for a whole pack of studentsand ladies and men for the most part. In case you're befuddled and not certa in which style to choose, you can promptly ask our on-line reference index author now! The way of the writer expresses a ton about what kind of author they are. </p> <p>Every section should be on an alternate thought or thought. To a few, building up a sentence might be an easy undertaking. Adding direct statements to any piece of composing is urgent as it helps in developing the thought you have as a main priority as additionally fills in as the proof for precisely the same. In the scholarly group, there's different writers with different styles and methods of composing. </p> <p>An individual may utilize the wellsprings of various creators to gather extra data. In the period of the net and data it's extremely simple to find any data connected to article composing. There is a grouping of issues where you opportunity to be able to endeavor your intelligent composing capacities. In case you're refering to various things by precisely the same creator which were made precisely the same year (for example different site pages on the very same site), recognize the sources by remembering letters for the Date information. </p> < p>You will likewise get a complimentary diagram, totally free designing, completely free list of sources page, boundless free updates and a completely free counterfeiting report. English (MLA position) in works refered to I should refer to a book which is made by different writers. It is one of the significant composing styles utilized in scholastic and expert composition. MLA article group is most usually utilized in the region of humanities and liberal arts.</p> <p>Before you start composing your content, regardless of whether it is a research paper, exposition, expository examination article, or different sorts of papers, you should peruse the piece of work suitably. Before you sit to make a brain research paper, you ought to be certain you perused the inquiry completely and comprehended what's expected of you. A budgetary exposition can start with a proposal, or it might start with a subject. On the other hand, the scientific article requests that you loosen up an d take a smallish bit of far reaching theme territory, and use basic speculation going to make some kind of conversation, additionally alluded to as your postulation! </p> <p>To can think about an exact answer, you should understand the exposition question decisively. There are a huge assortment of ways that one may select to use in building up an exposition's presentation, yet there are a couple of examples where the writer will be made to start an article with a citation. In any case, we should take a gander toward the start of the article. </p>

Types of Industrial Revolution Research Paper Topics

<h1>Types of Industrial Revolution Research Paper Topics</h1><p>Industrial unrest investigate paper subjects are themes which are utilized to analyze and investigate the manners by which the modern unrest affected various parts of human culture. To me, these points are significant on the grounds that they are wellsprings of pertinent data to see how individuals have changed through time, what the effect has been on individuals' lives and whether individuals are as yet adjusting the world as they come. These subjects are frequently used to do investigation into specific viewpoints, for example, where individuals, and the world all in all, are going. These themes may likewise be utilized to assemble data on how individuals consider certain issues, and what the reasons for such convictions may be.</p><p></p><p>There are numerous manners by which you can utilize the utilization of mechanical upset research paper subjects to further your potential benefit. One perspective on is that it is a lot of like a gathering, in that the subjects are ones that are centered around one specific segment of society. You might need to find out about people's opinion of specific issues, and to take a gander at the data on a subject that manages the point that you are intrigued in.</p><p></p><p>One case of where you can take a gander at mechanical transformation examine paper themes is do an examination of the manner in which data is scattered in the public arena. In the event that you could take a case of this, for example, how is the spread of data spread, you would have the option to increase a lot of knowledge into the manner in which data is gotten in society.</p><p></p><p>Another case of where you could take a gander at modern upset research paper themes is take a gander at patterns in business. In the event that you take a gander at this from a recorded viewpoint, you could check whether the data has changed or has gotten less effective. On the off chance that the data is wasteful, it could imply that a few positions have lost their significance, or a few specialists have gotten outdated, however in the event that the data is progressively proficient, at that point it could imply that there has been an expansion in efficiency, and the activity showcase has gotten increasingly secure for the individuals who need to do it. At the point when you are taking a gander at mechanical unrest inquire about paper subjects, there are additionally approaches to attempt to see how individuals have changed after some time. A few people will take a gander at the adjustments in individuals by taking information on something like normal loads of various socioeconomics, or the measure of individuals who have gotten hefty after some time. You could take a case of this and set up an image of the two of these measurements after some time, and check whether you can assemble them to check whether the pattern has changed.</p><p></p><p>There are additionally different kinds of mechanical unrest look into paper points that are frequently utilized, yet are not as normal. One of these is strict convictions, in light of the fact that numerous individuals have utilized this information to examine the development of convictions, or to follow the effect that religion has had on different occasions and individuals' lives, previously and in the present.</p><p></p><p>These are only a couple of the better places where you can utilize modern upset research paper points. Consider how you can utilize this data so as to pick up knowledge into the manner in which individuals are in the public arena, and who they are presently, and what has impacted their lives.</p>

Top Guide of Academic Topics for Presentation

<h1> Top Guide of Academic Topics for Presentation</h1> <p>Your crowd will turn out to be correctly what they desired without expecting to skim through a lot of superfluous' stuff. At the point when you own a rundown before your eyes, it will be much simpler to create your mind and begin thinking about a particular issue. In the event that you need significantly more opportunity to gain your point over, you need to alter! You would prefer not to give an introduction on something that is off-point or unessential to the subject issue. </p> <h2> What Does Academic Topics for Presentation Mean?</h2> <p>Secondly, you have to have a point that is fascinating. Your subject must be clear and reasonable. Obviously, it may not be totally one of a kind yet you have to think about a point that has not been depleted. Rather, you are going to need to settle on a themes for introduction that is significant and intriguing to the individuals who you're tendin g to. </p> <p>Don't spare a moment to deliver your own introduction point thoughts dependent on your course and that which you are intrigued. Most issues can have expositions on all the previously mentioned questions. Hence, in case you're attempting to discover a wellbeing point for introduction or a clinical subject for introduction, it's sensible to take a gander at some most state-of-the-art TED Talks and find out what topics are in reality basic today. </p> <p>Text books should be supplanted by I-Pads and web assets. You can find predominant thoughts for subjects here notwithstanding research for your own paper. Subjects of the exploration can vary extraordinarily. It is conceivable to likewise endeavor turn around brain research. </p> <h2> What Everybody Dislikes About Academic Topics for Presentation and Why</h2> <p>For brain science understudies, also, there are numerous simple introductions subjects you can discover with. Remembering that, here is the manner in which you can pick an unrivaled introduction point and wow your companions and teachers. Over the term of your scholastic profession, you will be swayed to give introductions, which will clearly solicit that you think from introduction themes. Work-in-progress introductions empower you to part the work you've done to date, the methods by which you have moved toward the exploration (and why), what you've found, and the manner in which you plan to advance the activity. </p> <h2> The Most Popular Academic Topics for Presentation </h2> <p>Now, how about we investigate how to make an astounding inspirational discourse! There are various thoughts which may make your expository research paper composing simpler to deal with. You may imagine that intriguing exposition titles do the entirety of the work, empowering you to include clear models and offer conventional thoughts. In the first place, since composing is a sort of reasoning, recording your di scussion may permit you to thoroughly consider it with respect to structure and stream. </p> <p>Today, for all intents and purposes each discourse is joined by an introduction. On the off chance that an instructor doesn't relegate a specific research paper point, it typically implies you may build up your own thought. </p> <p>The message additionally should be easy to peruse in spite of the brilliant screen. Your motivation is to get people to find out about the perfect business PowerPoint models subsequently, you should make that found in your introduction. Consider how you'll envision all of the essential focuses and supporting messages. Use what you read to help you make some inquiry terms, and to help you pick your own position. </p> <p>Before you even consider the introduction proposals to utilize, you must be basic about your introduction themes. Utilizing a moderate introduction topic licenses you to focus on the substance of the introduction. Try not to avoid hues on the off chance that you might want your introduction to be taken note. In case you're contemplating how to make your PowerPoint introduction alluring, you should see utilizing hues. </p> <p>The 3 legs of the scholarly community To be a flourishing academician, somebody must keep up an equalization of the 3 legs. Utilizing a framework of three to design your introduction will make it workable for you to focus on the message rather than the slides. You should make your introduction no not exactly a second or two shorter than the genuine time-limit you're allowed. </p> <h2> Academic Topics for Presentation Ideas</h2> <p>It's very ordinary to be posed a couple of inquiries, particularly if you convey a prosperous showing. Data fraud is a major issue and should be focused on. </p>

Write Your Own Eulogy College Essay - the Story

<h1>Write Your Own Eulogy College Essay - the Story </h1> <p>Now you can get real school article on the web, one that is going to accommodate your budgetary arrangement and complete your work too. When composing a presentation, it's imperative to get a phenomenal postulation explanation or snare to begin with. Brain, it's smarter to commit some time to comprehend the composing standards better than be frustrated with a horrible score. Along these lines, when the instructor says you'll need to create such paper, you may inhale openly. </p> <p>Writing the school application article is a troublesome gig. Analyze the paper by and by to check whether it's written in consistence with the framework. The criticalness of school papers has expanded in the recent years. Composing a scholarly paper may end up being a genuine damnation when you have not required information on doing it. </p> <h2>The Argument About Write Your Own Eulogy College Essay </h2> <p>Writing an extraordinary article once in a while takes an extensive time and require a few drafts. Without a doubt, it might be said that a fabulous author is someone who is in a situation to convince the peruser about a thing that the peruser didn't initially think about. Any article for FCE is normally an incredibly close to home piece of composing, so you're ready to talk in the absolute first individual as much as you like. In contrast to the story paper, the subject of the exposition doesn't need to be the peruser or an alternate person. < /p> <p>Look through the entirety of your proposals for circumstances and logical results articles, and be certain you have settled on the perfect theme and uncovered it appropriately. Lift your papers can truly guidance you make the improvement out of war. As composed before there are different sorts of articles. The article that is brimming with terrible quips or crude jokes will frequently end up in the dismissal heap. </p> <p>Bridget's paper is very solid, however there keep on being a couple easily overlooked details that could be improved. The presentation is additionally an incredible chance to locate an absolute initial introduction from the author. You need to uncover your peruser HOW YOU THINK by welcoming them into your exact idea approach. Regardless, it will be illuminating. </p> <p>So for the individuals who have an article relegated that you need support with, you can buy exposition online modest from us. Try not to expect that if someone else composes the article for you it will make a high great exposition. At the point when you're done composition, you need to ensure your paper despite everything sticks to the brief. Perusing exposition models can be advantageous in managing you to composing your own one of a kind phenomenal paper. </p> <h2> Write Your Own Eulogy College Essay Features </h2> <p>Writers do you the fundamentals of the improvement of your intelligence and evaluations. Numerous school candidates cause the blunder of endeavoring to incorporate things like every one of their achievements and exercises in their application papers. To be basic, it's more straightforward to begin with work. </p> <h2> What Everybody Dislikes About Write Your Own Eulogy College Essay and Why</h2> <p>Get your expressive energies pumping by conceptualizing all the potential thoughts you can envision to handle your school paper question. Precisely on a picked theme, you're probably goi ng to make an exceptional paper. Something else, your paper won't be persuading and prepared to pull the eye of various people. </p> <h2> The Fundamentals of Write Your Own Eulogy College Essay Revealed</h2> <p>Try to recollect, you just have 200-600 words. It's imperative to keep on keeping your commendation as brief as conceivable to verify that your audience members remain engaged with each word. </p> <p>As expressed above, feelings are probably going to be close to the surface as you convey your tribute. On the off chance that your cherished one adored an excellent joke, it is fine to join some in your tribute or perhaps to make the whole commendation progressively cheerful. Before you will figure out how to form a commendation, you ought to comprehend what correctly it is and the manner in which it should look. </p> <p>The pundit isn't simply to talk about that could have turned out badly, yet in addition to visit about the conceivable concealed importance looking like craftsmanship. Inside my experience, the absolute best articles take on an incredibly solid voice that discussion to a particular person. Likewise, humor isn't a substitution for substance. Obviously, the tone of your paper has a significant part in making a perfect title. </p> <p>Also note that somebody should discover the assistance of a lawyer. Much thanks to you will figure out how you can make your own on the web. Never duplicate an exposition from the web or have another person compose it for you. The web has a great deal of articles and dissipated assets that may help construct a decent establishment. </p>

Want to Know More About Lysistrata Essay Topics?

<h1> Want to Know More About Lysistrata Essay Topics?</h1> <h2> The Tried and True Method for Lysistrata Essay Topics in Step by Step Detail</h2> <p>Ending the war would be anything but difficult to such an extent that ladies could complete the undertaking. The play is known as a parody and supplies an approach to settle the Athenian War with Sparta that is likewise called the Peloponnesian War. Lysistrata is potentially the most seasoned parody that has held an area in present day theater. Lysistrata accepts that there will be no restriction to the war except if ladies intercede. </p> <p>It would be extraordinary on the off chance that you had your private information in the issue you will characterize. In instrumental adapting, someone centers around the issue and endeavors to tackle it. To close, ladies have an impressive part to play in finding a solution for the issues influencing society. Customarily, they have been related with househo ld obligations, in this manner, leaving men to address gives that influence the whole society. </p> <h2>The Principles of Lysistrata Essay Topics You Will have the option to Benefit From Starting Right Away </h2> <p>Narrative exposition themes Narrative paper is somewhat not the same as various sorts. The moral paper would in like manner analyze philosophical proposals and see whether they have contemporary importance. Looking into the point grants you to discover progressively about what interests you, and should you pick something you really like, composing the article will be increasingly charming. Moral factious exposition themes are a couple of the least difficult to become overly enthusiastic with. </p> <p>One more thing about your themes is they must be expressed obviously on the off chance that they should be among the absolute best. You should be cautious while picking an article point. There are loads of exposition types, and on occasion the theme itself is as fundamental as the type of the article you're appointed. At whatever point you have taken a gander at the excellent model exposition subjects, it's currently time to build up your own themes. </p> <h2> Lysistrata Essay Topics - the Story</h2> <p>The course you define your contention intensely is reliant upon the exposition type. You may keep on saving your factious papers for your up and coming employment portfolio on the off chance that they're profoundly reviewed. You will find that loads of the points can be adjusted to suit practically any kind of composing task. It's imperative to choose begging to be proven wrong factious exposition themes as you need restricting focuses you may counter to your own focuses. </p> <p>It is desirable over experience childhood in a family with a lot of siblings and sisters. At the point when you're picking your theme, remember that it's a lot less difficult to expound on something which you directly have intrigue ineven on the off chance that you don't have a clue about a lot about it. On the off chance that someone doesn't wish to support themselves, at that point they can't simply consequently anticipate that help and favor should fall onto their lap. F. Bacon The fundamental aim of the capital isn't to get however much cash as could reasonably be expected, yet to make sure that cash causes a superior life. </p> <h2> What to Expect From Lysistrata Essay Topics? </h2> <p>Leaders are set by the expectations that are put on them. Ladies are seen and taken a gander at as enthusiastic creatures and that might be an enormous explanation in why society doesn't believe that they would be a fantastic pionee r for the country or hold jobs with this sort of high force. Innovation can be difficult to appreciate, especially on the off chance that you utilize an excessive number of terms that may be new to your crowd. Promoting and the media are presently about indivisible from society for an entirety. </p> <h2>The Basic Facts of Lysistrata Essay Topics </h2> <p>The exposition offers you a chance to uncover how successfully it's conceivable to peruse and appreciate an entry and create an article dissecting the section. 1 significant thing that you ought to do when composing your exposition is to permit it to be close to home. Morals papers feature the profound understanding of the author. Composing an exposition is a basic job in academe life. </p> <p>Bridget's article is very solid, however there keep on being a couple seemingly insignificant details that could be improved. Henceforth, on the off chance that you might want to adjust your scholastic and family pressure next to each other, you can simply gain completely free exposition tests so you may have a straightforward thought of composing legitimate articles. In the first place, your inspiration for an author is influenced by the paper theme you settle on. Your article author will be an ace. </p> <h2> Getting the Best Lysistrata Essay Topics </h2> <p>Please note that a couple of these school exposition models could be reacting to prompts that are done being utilized. On the off chance that it's despite everything genuine that you could scarcely compose fabulous articles, you can see totally free exposition papers on the web. Model papers focus on one significant thought that you demonstrate with various explicit, persuading models. Outline ex positions are written so as to explain study subjects and offer fascinating and pleasant depictions. </p> <h2> Key Pieces of Lysistrata Essay Topics</h2> <p>The school paper is among the most fundamental aspects of your school application. Clarify your duties, and you will be the kind of understudy schools find tremendously alluring. At times it just looks basic, however a lot of understudies disregard the kind of scholarly composing they have to stay with. Undergrads should base their choice of a territory of study on the entrance to work in that area.</p> <h2> Up in Arms About Lysistrata Essay Topics?</h2> <p>Plan and make an article where you build up your point of view, utilizing models and individual encounters. Your article portrayal has become the most significant part of the buy method, yet it shouldn't be intricate. In the event that when you are setting up a report you simply break down explicit writing, the article requests a magnificent entrance into the issue. All things considered, the GRE Issue isn't a trial of information as much since it is a trial of how it is conceivable to utilize information anyway limited to back your position.</p> <p>An morals paper requests a ton of time for arrangement. Partner you have to do is to accurately present your request guidelines and make the installment. There are events when photos can't remain solitary. In the event that you should think of one of these papers, you should take a brief period and assemble your considerations well since it's just in light of this that you'll be able to compose an incredibly extraordinary paper. </p> <p>Presentation in morals papers is the secret to getting high evaluations. Understudies need to make papers dependent on the instructor's directions or their favored style recorded as a hard copy. To begin with, you would need to find a subject that you're keen on. </p> <h2> The Pain of Lysistra ta Essay Topics</h2> <p>The net has made our life significantly simpler. The ladies and men need each other, regardless of whether they aren't equivalent. Schools are not looking for immaculate people. </p>

Secret Shortcuts to Spse Essay Topics Only Handful of People Know

Secret Shortcuts to Spse Essay Topics Only Handful of People Know What to Expect From Spse Essay Topics? The important distinction is that the argumentative essay should demonstrate a discussion instead of a single opinion. Argumentative essay is about arguing and debating on a subject, which is debatable. Deciding on a persuasive essay topic may take lots of time without ending up with the wonderful solution. Don't forget, persuasive essay topics don't need to be politically correct all the moment, they may be controversial. When you choose a topic, you must react to the query and substantiate your response with three or more motivations as to why you think like that. Possessing no notion of the persuasive essay topics, you just do not understand what to write about. Argumentative essay topics are so important since they are debatableand it's vital to at all times be critically contemplating the world around us. There are a few great topics to take into consideration when selecting topic for your argumentative essay. Spse Essay Topics and Spse Essay Topics - The Perfect Combination Taking into consideration that there's a variety of topics and ideas for persuasive papers and unique approaches to create them, often it becomes difficult for students to pick the most relevant and intriguing topic and method to follow. Persuasive essays are an excellent method to encourage the reader to check at a particular topic in a different light. To choose which subject you're likely to discuss, it's vital to se e the complete collection of good persuasive speech topics from the specific area of study. A student ought to keep in contact with the hottest trends and know which persuasive essay topics are related to sound convincing in regards to defending personal opinions. Up in Arms About Spse Essay Topics? A trusted writing services company may assist you with all that. The intent of assigning an essay to middle school students is to make awareness and permit them to develop writing skills. You may continue to keep your argumentative essays for your upcoming job portfolio in case they're highly graded. All things considered, you can observe that writing a persuasive essay isn't a brain surgery. The Number One Question You Must Ask for Spse Essay Topics An argumentative essay is a kind of academic papers that students write in the center school. Thus, for your coursework, you will want to have the very best ideas. SATs ought to be eliminated. Well, grading papers are often quite d ull. Why Almost Everything You've Learned About Spse Essay Topics Is Wrong You have to know all facets of financial topics after you choose them. Discover which of the topics, you currently have a fairly good background on which will make it possible for you to have a relative edge. As an example, let's say you select the very first topic from our list. Choose something you're in a position to discuss or describe and something which will present your good qualities to your teacher. Select the period of life that you believe is best and compose an essay arguing why it's the ideal time of life. A conclusion is, without a doubt, the main portion of the argumentative essay as possible either support the excellent impression or destroy it entirely. The issue is that everybody's interpretation of what makes a great society differs. The Importance of Spse Essay Topics Students mcas essay prompts they can depend on us to find the business done and to do it right the very first ti me. Training to compose essays on various topics is going to be the very best preparation to the exam. Since you can see, a lot of the topics listed are new and deal with the recent issues happening in the World today. Naturally, topics which are still relevant in 2018 are the very best. If you're thinking about how to compose a persuasive essay, you have to know that writing an essay is a complicated approach. Our seasoned persuasive paper writers will supply you with effective solutions to ordinary problems, even supposing it is an argumentative essay. It is extremely important to choose a great topic so as to compose a fantastic paper. The use of the essay is to select an argument and attempt to persuade the reader to adopt it. Schools should not have a thing to do with ads. Textbooks are obsolete and needs to be replaced by iPads. Students ought to be permitted to pray in school. School tests aren't powerful. Always remember a great persuasive essay ought to be pe rsuasive. In the event you were given a task to compose an essay, you should first understand what sort of essay you're expected to write. Write an essay to convince your principal your idea is one that needs to be adopted. A thesis has to be arguable like in an argumentative or persuasive essay to create the readers wish to debate. There are lots of aspects about a sport that may be argued in an essay. If it's a college essay, it is critical to consider what aspects of it is going to be evaluated. Qualities of a great persuasive essay topic The topic ought to be specific. It will be simpler that you compose a great persuasive essay if it's a subject in which you have knowledge.

Writing Essays - Easy Comparative Law Essay Topics For A Major Publication

<h1>Writing Essays - Easy Comparative Law Essay Topics For A Major Publication</h1><p>Easy similar law paper points are one of the most useful assets you can use in your composing vocation. They can assist with working up your resume and harden your situation as an author. One of the inquiries that you should pose to yourself is the reason precisely do you have to do this? For what reason would you like to remember this data for your essay?</p><p></p><p>To answer this inquiry, you have to comprehend the basic attributes of the branch of knowledge that you will compose for a specific author. Most importantly, you should comprehend the data that they will anticipate. What are a portion of the regions wherein they will be concentrating? To what extent have they been investigating the point and what amount of research does it take them? How well do they comprehend the subject matter?</p><p></p><p>There are various sorts of composing employments on the planet today, so realizing what sorts of authors they will be is significant. This is one motivation behind why you need to look into their style and hard working attitude before you begin to compose. On the off chance that you can build up a relationship with at least one authors who you figure you will have the option to work with, it is truly conceivable that you will have the option to find a new line of work while never doing any research.</p><p></p><p>It's critical to understand that this data isn't intended to be messed with. You should treat this data with a similar regard as you would with whatever other data that you get from a source. Each essayist will have a feeling about specific things. It's dependent upon you to decipher that sentiment. In the event that you discover something that you can't help contradicting, you have to ensure that you incorporate your own opinion.</p><p></p><p>The centr al matter to remember is that these articles ought to be profoundly enticing. As it were, it ought to be the one spot where you can get out the shortcomings of your opposition. This implies you should concentrate on the shortcomings of your opposition in your expositions. You ought to likewise have the option to make your own shortcomings hang out in the essay.</p><p></p><p>When you begin to compose, you should attempt to make a decent stream. You need to assemble a solid proposition proclamation yet you likewise need to end with an asset box where you can incorporate a lot of data about yourself. Attempt to feature these qualities and shortcomings in your article to make them simple to analyze.</p><p></p><p>Easy near law paper subjects are one of the most amazing assets that you can utilize when composing for a significant production. This data ought to likewise be fused into your future articles so they can assist with setting up you as a gifted writer.</p>

College Admission Essay Sample

College Admission Essay SampleIt is not uncommon for students who apply to college to submit a college admission essay sample. A student's college essay has the power to affect her or his acceptance or rejection of an opportunity. They serve as both a final statement and a guide as to how the student intends to answer any questions asked during the admissions interview.Students submit these essays to colleges, although many are never selected for a college interview. The student who is selected must have studied well to make the selection. These samples are sometimes provided in class as homework assignments, and some may be given as study guides by teachers who hope that their student will also be able to put together a good, persuasive essay.The student preparing an essay for college needs to put in a lot of time and effort. They must be creative and well-prepared before submitting their application. A student who is well prepared and organized will receive better marks on their te st than a student who is more relaxed and undisciplined. Students also need to read a variety of different books and articles and create a perspective-based essay.These essays for college usually have been prepared by high school teachers or other mentors, especially if the student is looking to write a thesis-based essay. If the student is writing about their family, they may use this as a guide. They will be able to write an essay that is of greater value. However, for an admissions essay, a student may decide to write an opinion based essay in a way that is far removed from the student's writing style as a high school student.When a student is preparing an essay for college, they need to know what types of writing are acceptable. They can either read examples from their high school or other schools and do research on the best styles to use. This research is not necessary; they only need to know the different types of essay that they should know when they go into the classroom to begin writing their own college admission essay.One of the most important things that a student can learn from the classroom setting is how to control their emotions. Sometimes students are overwhelmed by the subject matter of the essay and may act uncharacteristically. They need to practice in the classroom, by writing down and stopping themselves. This is a critical skill that any college student should learn and one that they will need while they are learning how to properly compose a college admission essay.Some students worry that college writing will be too different from high school writing. They are often wrong, because writing in class is like writing in their own style. However, it can take some time for a student to adjust to this different type of writing.Students who submit essay samples to colleges with less than stellar grades will get no acceptance and will probably be discouraged from furthering their education. However, essay samples in class can help a student get over these obstacles. Essay samples should be prepared by someone with experience and knowledge and should be prepared by the student to give them tips on how to make them stronger and even sell them to a college admissions committee.

The Road To Growth For Financial Institutions Free Essays

string(179) " following components were involved in measuring Customer Momentum: advocacy, primary financial institution identification, propensity to switch institutions, and lack of errors\." Expansion of banks and financial acquisitions in the U. S. generally occur in two ways: by organic growth or by mergers and acquisitions. We will write a custom essay sample on The Road To Growth For Financial Institutions or any similar topic only for you Order Now Organic growth is the rate of business expansion that an organization can achieve through increasing output and enhancing sales. This form of business expansion excludes any profits or growths gained from mergers, acquisitions, and take-overs. This represents the true growth for the core of a company and is a good indicator on how well the organization’s management has used its own internal resources to expand profits. This type of business expansion also helps to identify whether managers have used their skills to improve the business (Investopedia 2006a; Wikipedia 2006a). On the other hand, acquisitions, mergers and take-overs do not bring about profits generated within a company, and are thus not considered organic growth. Historically, investment banks (which are defined as intermediaries which assist companies in selling ownership of themselves as stock or borrowing money directly from investors in the form of bonds) have been closely associated with the activity of merger and acquisitions since it represents a sales opportunity for the investment bank. For a bank to merge with another financial institution, it needs to attain a fair market value for its shares to swap with shares from the other entity. A popular formula in describing mergers and acquisitions is â€Å"one plus one makes three† – the key principle behind buying a company is to create shareholder value over and above that of the sum of the two principal companies involved (Investopedia 2006a; Investopedia 2006b; Wikipedia 2006b; Investopedia 2006c). In other words, two companies together are deemed more valuable than two separate companies. Strong companies buy other companies to create a more competitive, cost-efficient organization and to gain a greater market share. Target or weaker companies in turn often agree to being purchased by these stronger companies when they know they cannot survive alone in a competitive market (Investopedia 2006a; Investopedia 2006b; Wikipedia 2006b; Investopedia 2006c). Most major financial institutions in the US have gone through some form of merger and all of these institutions inevitably monitor their organic growth. The benefits that each type of business expansion offers are unique, and there are certain advantages and disadvantages in each type. The relevance of studying mergers and acquisitions involving financial institutions is that these activities can dictate the fortunes of the companies involved for years to come, and have considerable impact on investors involved as well as within the organizations themselves. Likewise, organic growth helps to strengthen an organization internally and places it on a stronger market position if done effectively and successfully. The significance of this research study is to compare these two types of business expansion. The objectives of this study are to analyze these two types of business expansion as to their strengths and weaknesses, benefits and potential threats or disadvantages to the banking sector, and to provide an overview of the history of the banking sector in terms of both organic growth and mergers and acquisitions activities and endeavors. The research is helpful in that it will provide valuable research data and hopefully some helpful insights to help financial institutions, large or small, to evaluate their present business expansion activities. Small companies which are limited to organic growth, and may wish to venture into mergers or acquisitions, may be able to use the data provided here. Larger institutions which practice both organic growth and mergers and acquisitions, on the other hand, may be able to use this research to evaluate the strengths and weaknesses of both activities. The rest of the paper is organized as follows. Section I as presented here provides for the introduction to the study, definition of terms, objectives, the research topic, and the significance of the research. Section II provides for a literature review on both organic growth in the banking sector and mergers and acquisitions of financial institutions. Section III discusses the data gathering process for this study, the methodology used, and the research framework followed for this study. Section IV will provide for the analysis of the results and findings as gathered from the literature and related work reviewed. Section V presents the summary and conclusions of the study based on the analysis provided for in Section IV. Finally, Section VI will describe future directions this study might take. II. Literature Review According to the results of an annual study conducted by A. T. Kearney, one of the world’s largest management consulting firms, investment management firms are outperforming retail banks in the highly competitive race to grow profitably and to gain market share. A. T. Kearney conducted an Annual Organic Growth Index (OGI) for 2006 for measuring growth in investment and retail banks. The study was based on data collected online by Harris Interactive? of more than 4500 banking customers in the 20 largest US metro markets. Seven out of the ten top-scoring financial institutions included in the OGI based on their capability to grow organically were investment management firms, with Ameriprise with the top score for the second consecutive year, outperforming most banks and other investment firms such as Edward Jones, A. G. Edwards, Vanguard, Charles Schwab, and Merrill Lynch. Wachovia, on the other hand, outperformed many of its retail bank counterparts, also for the second year in a row since A. T. Kearney started conducting this study in 2005 (A. T. Kearney 2006). A. T. Kearney’s study is significant for this research since it provides insight into which financial institutions are most capable of achieving and sustaining organic growth. The index connects customer attitudes and actions with their wallet allocation decisions. The OGI looks at the performance of financial institutions based on their ability to achieve both Customer and Wallet Momentum. Customer Momentum measures an institution’s ability to attract and retain customers, forge long-lasting customer relationships, and instill advocacy among their customers. For the A. T. Kearney survey, the following components were involved in measuring Customer Momentum: advocacy, primary financial institution identification, propensity to switch institutions, and lack of errors. You read "The Road To Growth For Financial Institutions" in category "Papers" Wallet Momentum on the other hand measures an institution’s ability to expand the number of products and drive greater penetration per product with its customers. Components involved are: intent to add accounts, intent to increase equity account value, share of wallet with primary financial institution, and average number of products per customer (A. T. Kearney 2006). According to the results of the A. T. Kearney study (2006), investment management firms performed better overall than retail banks by scoring high in both Customer and Wallet Momentum. Retail banks on the other hand score higher on Customer Momentum than Wallet Momentum. However, the study concludes that no single type of financial institution dominates in either performance matrix. Most financial institutions strive to become their customers’ Primary Financial Institution (PFI), and have generally been successful at increasing the average number of accounts per individual within the last year (A. T. Kearney 2006). However, the study indicated that investment management firms have more difficult relationships with customers, and that being designated as customers’ PFI does not necessarily ensure success for retail banks. The study also showed that customers who experience two service errors or account problems within one year were 35 percent more likely than the industry average to leave such financial institution. This attrition rate doubled after three errors were experienced in one year (A. T. Kearney 2006). The study provides for the following suggestions in order to improve organic growth in financial institutions (A. T. Kearney 2006): ? Institutions with leading Customer Momentum scores have opportunities to cross-sell new products and services, and should determine how to recognize and reward people for selling a â€Å"bundled† set of products when most organizations are organized to measure and reward for selling specific products. ? Products and services to be added or cross-sold must be determined in relation to margins on core products, and the total portfolio, to ensure profitable growth. Cross-selling is less costly than adding new customers, but the mix or products and services is equally important when considering impact on profit. ? Product complexity and product variation makes it difficult for customers to understand a value proposition and for employees to explain it. This affects both service delivery and transaction effectiveness, and also increases the potential for errors. A financial institution should thus improve its ability to manage product complexity, as a way of improving service quality and overall customer satisfaction. A similar study conducted by Daniel Cox and James Bossert (2005) involved the analysis of the 2004 American Customer Satisfaction Index, which indicate that organic growth for banks have been hampered by the fact that the financial services industry has some of the lowest customer satisfaction ratings of any single industry. According to the study, customers view banks and other financial institutions as a commodity, with no unique reason for forming a business relationship with one particular bank. The study by Cox and Bossert (2005) studied in-depth the strategies employed by Bank of America in 2001 to improve customer satisfaction as one of its driving force to expand its organic growth. Bank of America started to focus on its organic growth in 2001, which meant increasing its customer base while becoming more efficient by improving processes. It developed a new strategy which relied heavily on voice of the customer (VoC) and tied all its planning efforts to factors that would drive customer satisfaction and loyalty (Cox and Bossert 2005). In other words, Bank of America recognized customer satisfaction as the core component of organic growth. With approximately 28 million customers at the time, the bank encountered approximately 200 customer interactions per second. To improve the overall customer experience, the bank implemented an associate training program called Bank of America Spirit, which was initially modeled to mirror the associate behavior of Disney employees. It re-evaluated its business model and the model’s performance by comparing them to other Fortune 500 companies that focused on customer service. It focused on the following model for improvement as seen in Figure 1 in the next page: Bank of America regularly surveyed their customers to gather VoC, and used these survey results in turn when developing new products and services. Paying close attention to such customer needs turned out to be instrumental in increasing its revenues and in improving its organic growth (Cox and Bossert 2005). Accenture, another leading management consultancy firm, conducted a global survey of strategies and programs for organic growth in retail banks. In its survey, Accenture examined more than 100 retail-bank executives’ strategies. The firm also provided for an industrialization concept critical for growth in the banking sector – â€Å"Differentiation on the Outside, Simplification on the Inside, Execution Mastery. † The research showed that pure cost-cutting strategies previously adapted by financial institutions produced diminished return. The emphasis on growth, and mainly organic growth, while managing costs as the same time, would produce the best results for a financial organization (Accenture 2006). The study showed that 87 percent of the executives surveyed indicated that increasing revenues is still top priority, mainly driven by the need to satisfy investor expectations. 73 percent also cited the achievement of cost-efficient scale. Fewer than one in ten believed that market growth will exceed 15 percent, while more than 20 percent believed their own banks will grow at a higher rate. To drive significant organic growth, respondents in the Accenture survey emphasized the need for excellence in marketing and product management, distribution and service and fulfillment (Accenture 2006). The study further recommended that to achieve growth targets in an increasingly competitive market, banks must industrialize their marketing, sales and service capabilities to maximize cross-selling. Similar to the findings and recommendations in the study by Cox and Bossert (2005) on Bank of America, the Accenture study indicated that cross-selling must focus on gaining and retaining profitable customers. Key capabilities necessary to achieve this would involve transformation in areas such as customer segmentation, which should include customer segmentation, product design, and price/value equation (Accenture 2006). The staff study by Rhoades (2000) for the Board of Governors of the Federal Reserve System examined and analyzed bank mergers and banking structure in the US from 1980 to 1998. The study provided that 200 banks failed annually from 1987 to 1989 in the US, due to problem loans in petroleum, agriculture, commercial real estates, and loans to less-developed countries. These factors may have created some good buying opportunities for banks that were performing relatively well (Rhoades 2000). According to the study, the US banking industry experienced an unprecedented merger movement since 1980, with nearly 8000 mergers and about $2. 4 trillion in acquired assets as of 2000 alone. The banking industry has been restructured in response to the removal of legal restrictions on intrastate and interstate banking throughout 1980-1998. The number of banks in the US decreased from 14407 to 8697 and the number of banking organizations decreased from 12342 to 6839 (Rhoades 2000). In his study on mergers in the US banking industry, Rhoades (2000) provided for the following conclusions: ? The number of banking offices continued to grow in the US throughout the 1990s despite the burgeoning of ATMs and ATM transactions. ? Concentration of control over aggregate US bank deposits among the largest banks increased substantially, with the share of the 100 largest rising from about 47 percent to 71 percent, and the share of the 10 largest rising from 19 percent to 37 percent; the latter rise occurred mostly after 1990. ? Concentration increased substantially in many local banking markets, especially in large metropolitan areas. ? The number of bank mergers reached the highest level for the period in the mid-1980s, when industry profit rates and stock prices were very low (Rhoades 2000). But what exactly motivates firms to merge and how do these mergers affect competition and the economy? According to Moore and Siems (2006), there are two primary factors that affect the need for financial institutions to remain competitive: deregulation and technology. Deregulation has significantly changed how and where banks do business. Relaxation of restrictions on banks’ securities activities has blurred the traditional distinction with investment banking while the elimination of branching restrictions has created vast geographic expansion possibilities. Continued consolidation is estimated to eventually result in about 3000 banking organizations, with a handful of â€Å"super banks† competing simultaneously with many smaller community banks. Advancements in technology have also created incentives to merge due to decline in costs in information dissemination, allowing for far-flung operations created through mergers. In other words, technology and deregulation have blurred accepted boundaries as to time, geography, language, enterprises and regulations in the banking industry (Moore and Siems 2006). Thus, one advantage for mergers is that customers can receive one-stop financial services. This allows for greater efficiencies through better information flows and lower transaction costs for the financial institutions involved. However, studies show that major upside for earnings and stocks through mergers is if the economy continues to show stronger-than-expected growth, which in turn could increase demand for commercial lending. If the economy slows down, stock prices become pretty full, and takeovers are less likely to benefit the banks involved (LaMonica 2003). The data used for this research study were gathered from related database found online and from case studies and academic papers. The case studies were conducted by management consultancy firms such as Accenture and A. T. Kearney, whereas the working papers were collected from organizations such as the Board of Governors of the Federal Reserve System and the American Society for Quality. Results and findings from surveys and empirical analysis conducted by these research individuals and organizations were used for this paper. News articles from sources such as CNNMoney and other pertinent websites were also used. B. The Sample The data used are primarily case studies gathered from related literature. These were survey results and findings from studies conducted by research individuals and organizations such as Accenture (2006), A. T. Kierney (2006), and Cox and Bossert (2005). The findings analyzed for this paper were conclusions and results from the empirical data from surveys conducted in 2005 and 2006 from the various existing case studies reviewed. C. Research Design The research question for this paper is â€Å"Whether US banks should focus on organic growth or mergers and acquisitions in order to expand their business? † The hypothesis is that â€Å"Customer satisfaction, through focusing on VoC, is the key component to organic growth which is the recommended business expansion activity for financial institutions over mergers and acquisitions. † The hypothesis will be answered based on the analysis of the findings and insights gleaned from case studies and related literature. The study will make use of Qualitative Research Methodology. Numerical and statistical data were not gathered due to time constraint and physical limitations on conducting surveys in the financial institutions throughout the US. Based on qualitative analysis, the research paper thus approaches the study by providing a complete, and detailed description of organic growth and mergers and acquisitions in the banking sector based on a study of related literature. Based on the qualitative research approach, the researcher is the data-gathering instrument, and the data herein provided is in the form of words and pictures, as indicated in Figure 1 (Neil 2006). IV. Analysis of Results and Findings Results from the analysis of the case studies provided indicated that many financial institutions recognize the need for growth, whether it be through organic growth, mergers and acquisitions, or both. Many financial institutions are also aiming for annual organic growth rates of at least 10 percent or higher, but often, they fall short due to a variety of factors (A. T. Kearney 2006). An examination of the data provided would show that organic growth and mergers and acquisitions benefit two different groups. The organic growth of a company would benefit the bank itself, but more than anything, it will result in a greater advantage and benefit to the customers. The reason behind this is that studies have indicated that successful organic growth is premised on customer satisfaction as its most important component. To achieve high performance, increase revenue, and exceed their average growth rate, financial institutions must finds ways to harvest relationships with existing and new customers. Cross-selling will help increase share-of-wallet from both existing and new customers. However, cross-selling efforts must be accompanied with managing product complexity since customers have become increasingly aware of the range of banking and financial services available. Less than adequate products or poor service will cause the customers to shop around and switch service providers, especially since banks are treated more as commodities rather than business partners by their banking clientele. Thus, cross-selling must be utilized to gain and retain profitable customers (Cox and Bossert 2005; Accenture 2006; A. T. Kearney 2006). Banks would necessarily have to improve their marketing, sales, and service capabilities to maximize cross-selling. To achieve this, customer segmentation, product design, and price/value equations should be closely monitored in relation to customer relationship management. Gathering of customer data will help management to ascertain customer needs and to adjust and improve market and product management, distribution, service and fulfillment accordingly. Full integration of customer data provides for an accurate and complete view of the customer, and will allow for an empowered and better-trained sales force to turn customer insight into profitable and satisfying interactions (Cox and Bossert 2005; Accenture 2006; A. T. Kearney 2006). A model for a successful venture into improving customer satisfaction to increase its organic growth is the case of Bank of America. By establishing a customer satisfaction goal, which provides for a measurement process to evaluate current performance and to acquire analytical capability to improve performance in a targeted way, Bank of America was able to streamline its products and services to effectively retain and increase its customer base. By relying on VoC, and tying all its planning efforts to factors that would drive customer satisfaction and loyalty, Bank of America improved its organic growth (Cox and Bossert 2005). Focusing on organic growth will result now only improve customer satisfaction, increase customer base and profit, but will also drive wealth creation for shareholders (A. T. Kearney 2006). On the other hand, mergers and acquisitions provide a greater advantage to the financial institutions themselves. A company with financial problems will benefit from merging with a stronger company. The latter, in turn, would gain a greater market share and reduce competition in the industry by acquiring smaller or similarly situated institutions. Advancements in technology and less legal barriers regarding financial transactions have also allowed financial institutions to cover wider geographical areas. This in turn benefits the customer as well since the bank becomes a one-stop-shop for banking transactions, available wherever the customer may be. Deregulation and technology have been key factors in the drive for mergers, and have lead to significant cost-cutting measures for the firms involved. It has also provided for greater efficiencies and information dissemination to the financial institutions, which in turn provides for greater flexibility and convenience for its customers. One safeguard for baking institutions which opt for mergers and acquisitions to expand its growth is Rule 155 under the Securities Act, also known as the â€Å"Integration of Abandoned Offerings† which was passed by the Securities and Exchange Commission (SEC). SEC amended Rule 152 of the Securities Act of 1933 in response to the challenges under previous securities regulations and the changing market conditions. Rule 155 became effective on March 7, 2001, and has had significant impact on companies seeking alternative financing in light of a weakened securities market. It provides for a flexible framework in which companies can convert their private offerings to registered offerings and the other way around, minus the usual risk of integration. The rule provides non-exclusive safe harbors from the integration between registered and private offerings, and allows issuers to move more quickly if market conditions change rapidly (Marek and Seo 2001). Before Rule 155 was enacted, a financial institution with a failed registered offering was limited in the choices it subsequently had to raise capital. It could either withdraw or abandon a registered offering, but would encounter difficulty in quickly obtaining alternative funding due to unclear regulations on integration. A company that started a private offering may have found sufficient investor interest to justify making a registered offering, but was faced with making offers of registered securities prior to filing a registration statement. Before Rule 155, there were thus no clear guidelines as to how a company can insulate itself from the risk of mergers and acquisitions. SEC’s prior guidelines in this area were limited to suggesting a six-month â€Å"cooling off† period as well as a traditional five-part test involving consideration of whether two or more offerings (Marek and Seo 2001): ? Are part of a single plan of financing; ? Have the same general purpose; ? Involves the same class of security; ? Are made at or about the same time; and ? Involve securities sold for the same type of consideration. The adoption of the new Rule 155 provides for reliefs for financial institutions (and other institutions in different industries) who opt to participate in mergers, acquisitions, or take-overs. The new Rule 155 does not change the traditional five-factor analysis approach of SEC but clarifies the implication of integration in two specific types of transactions (Marek and Seo 2001). Rule 155 creates integration safe harbors for two types of common transactions: 1) a registered offering following an abandoned private offering; and 2) a private offering following an abandoned registration offering. The term â€Å"private offering† is specifically defined to include only the offerings that qualify for one of the following exemptions: (i) Section 4(2) of the Securities Act, for transactions not involving a public offering; (ii) Section 4(6) of the Securities Act, for transactions that do not exceed $5 million and involve offers and sales only to â€Å"accredited investors†. Or (iii) Rule 506 of Regulation D, for transactions involving offers and sales to an unlimited number of â€Å"accredited investors† and no more than 35 purchasers who, although not accredited, are â€Å"sophisticated† (Marek and Seo 2001). Thus, safe harbors in Rule 155 sets forth clear guidelines under which a company may change its offering between registered and private offerings without the risk of integration. It provides greater flexibility to companies such as financial institutions in this case which seek financing in this changing market (Marek and Seo 2001). V. Summary and Conclusions The case study on Bank of America is a model on how focusing on customer satisfaction can further enhance organic growth for a financial institutions. By establishing a customer satisfaction goal, a financial institution can set up a measurement process in order to evaluate current performance and acquire analytical capability to improve performance in a targeted way (Cox and Bossert 2005). Gathering information about the customers will allow a company to streamline its products and services to meet customer needs. This also allows for greater opportunity for more effective cross-selling which will help increase share-of-wallet from both existing and new customers. Institutions with high levels of customer satisfaction, or customer momentum, need to look at products and services through the eyes of the customer and should simultaneously listen to the VoC. There is a need to recognize and reward people for selling â€Å"bundled† sets of products rather than merely focusing on measuring and rewarding sales associates for selling specific products only (A. T. Kearney 2006). A financial institution must also take note that products and services to be added or cross-sold must be determined in relation to margins on core products to ensure profitable growth. The mix of products and services offered to customers is equally important when considering their impact on profit. Many financial institutions have limited insight into the true profitability of specific products which makes the development of an economically-attractive bundle (whether from the customers’ or the institutions’ perspective) problematic (A. T. Kearney 2006). As such, managing product complexity is also important. To better serve their customers, sales associates must understand their products, and when a bank has too many products and services on its platter, its employees tend to be less knowledgeable about what to offer or cross-sell to their customers. Managing product complexity will allow for improvement in the product cost/price relationship and will help customers understand a value proposition. It can help improve both service delivery, transaction effectiveness, and decrease the potential for errors within the financial institution (A. T. Kearney 2006). Thus, effective organic growth should focus on customer satisfaction or VoC as its key component. Mergers and acquisitions however provide for opportunities for financial institutions to gain a greater market share, improve cost-cutting measures, increase profit, and eliminate competition. Ailing financial organizations also have a better chance for survival by being merged with stronger banking counterparts, while the latter gain a stronger foothold in the market through such acquisitions. .The new Rule 155 adopted by the SEC in provides for safeguards for financial institutions in case of such mergers, acquisitions and take-overs. It provides for non-exclusive safe harbors from the integration between registered and private offerings, and allows issuers to move more quickly in case market conditions change quickly. The rule provides for clear guidelines in which a financial institution may change its offering between registered and private offerings without the risks normally associated with integration (Marek and Seo 2001). Deregulation, such as through adoption of the new Rule 155, and technology have been identified as two of the driving forces why banking institutions merge. Technology on the other hand has literally allowed banks to cross borders, and have made limitations as to time, geography, and boundaries practically non-existent. Information dissemination through the speed of technology has allowed mergers across continents, and for such financial institutions to grab a large slice of the market share. It has also provided for flexibility and convenience to customers. However, one threat to this form of business expansion is the formation of â€Å"super banks†, similar to what is happening in the retail sector wherein only a small number of key players dominate the industry. This may potentially affect customer needs, as the competitive edge remains with a select set of power players in the banking sector. The lack of boundaries, such as having branches in different parts of the globe, may also hinder optimum customer satisfaction, as a financial institution’s operating procedure remains uniform and standard, but customer needs always differ per area, region, or continent. Institutions will use both organic growth and mergers and acquisitions to grow and expand their businesses. But what can be concluded is that those financial institutions with business models that push for strong organic growth make more successful acquirers (A. T. Kearney 2006). Since they understand the needs of their clients better, the services and products they offer tend to be more appropriate and thus more cost-effective and profitable. By knowing their customers, and ultimately the strengths of their organizations, then institutions with strong organic growth models are better capable of acquiring and merging with other banking institutions in the future. VI. Future Research The preliminary research in this data indicated case studies from surveys conducted on the banking sector for 2005 and 2006. Trends with regard to organic growth and mergers and acquisitions in the financial sector were analyzed. Future research in relation to this study could include analysis of empirical data from major banking institutions and a comparison of their profit rates from their organic growth and mergers and acquisitions. Sample sizes may include banks which focus on both organic growth and mergers and acquisitions, and banks which monitor organic growth alone and do not participate in mergers. Such data may be gathered from interviews, surveys, and requests for financial reports from respondent banks. WORKS CITED Cox, Daniel and Bossert, James. Driving Organic Growth at Bank of America. American Society for Quality. Feb. 2005. 28 Nov. 2006. http://www. asq. org/financial/bank-of-america-case-study. html Investment Firms Improve, Retail Banks Slip in A. 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