Alcohol and Its Effects on the Body Essay - 932 Words

Alcohol and Its Effects on the Body As tempting as it might be to consume alcohol in college, I have found through recent experiences that the idea might not be as glamorous and fun as it seems. I have experienced the trouble that drinking can cause and the negative impacts that alcohol does to your body. Unfortunately, I have experienced many of the troubles that alcohol can acquire for someone. There are so many impacts that alcohol has on your body-acute effects, short-term effects, and long-term effects. A person’s brain is affected extremely from alcohol. While you are under the influence, cognitive abilities are affected even with the smallest measures of alcohol. Memory cells and those†¦show more content†¦As I was browsing through numerous websites that explained the major effects of alcohol on the teenage brain, I was amazed. The brain undergoes vigorous changes throughout teenage adolescence, and alcohol abuse can seriously injure long-term and short-term growth processes. Frontal lobe development and the refinement of pathways and connections continue until the age of sixteen, and a high rate of energy is used as the brain matures until the age of twenty. Damage from alcohol at this time can be long-term damages. Not only that, these damages are generally irreversible. In addition, short-term or moderate drinking impairs learning and memory far more in youth than adults. In a more understandable comparison, adolescents generally require only half as mu ch to drink in order to suffer the same negative effects. Various research attempts have been done in order to determine the damages of alcohol to underage drinkers as well as drinkers of age. Adolescent drinkers scored much worse than non-alcohol users on vocabulary, general information, memory, the retrieval of memory in addition to at least three other tests. Verbal and non-verbal information recall was most heavily affected. In alcoholic beverage users, there was at least a ten percent decline. Significant neuropsychological deficits areShow MoreRelatedEffects Of Alcohol On The Body1486 Words   |  6 PagesBilly Creger Judge Guffee Juvenile Court 9 November 2015 Effects of Alcohol on the Body By the time this paper has been read approximately twenty-five people will be seriously injured in an alcohol-related accident. Alcohol can be very harmful in many ways if used incorrectly. The following is just a few of the many ways it can negatively affect one s health. In 1994 a survey was taken among one hundred and forty nationwide college campuses. Of the students surveyed, forty-four percent wereRead MoreThe Effects Of Alcohol On The Body1440 Words   |  6 Pages Alcohol Avoiding alcohol is a good lifestyle choice to make for those suffering from HIV/AIDS, Alcohol can have negative effects on people living with HIV, both on their bodies and how they behave. On the body, alcohol can weaken the immune system and lower CD4 counts. The effects of alcohol on HIV infection depend on how much a person drinks. A number of studies have found that heavy drinkers and those with alcohol problems have lower CD4 counts than moderate drinkers and are likely to have moreRead MoreThe Effects Of Alcohol On The Body989 Words   |  4 PagesThe use of Alcohol is thought to have been around as early as the Neolithci period (cir. 10,000 BC.) Its use is common in many cultures and is often related to ones cultural and religious beliefs. Our society has estabished a way of living that is surrounded by the use of such beverages. With its use on the rise, no wonder alcohol addiction is becoming more of an issue then ever before. The National Institute of Drug Abuse’s website reports that 55.9 percent of adults ages 26 and olderRead MoreEffects Of Alcohol On The Body1910 Words   |  8 Pages Alcohol can damage the body physically, mentally, and emotionally. Many people do not realize the impact that consuming alcohol has on their body system. Drinking alcohol affects the brain, heart, liver, pancreas, and the immune system. The fastest impact of being intoxicated is on the central nervous system. The central nervous system is made up of two main parts: the brain and the spinal cord. The brain is the most important part of the body, and is essential for everyday use. When under theRead MoreAlcohol Consumption : The Effects Of Alcohol On The Body1312 Words   |  6 Pages Alcohol Consumption: The Effects of Alcohol on the Body Thamara Jean-Jacques Professor: Nina Walker Biology 115 October 17, 2015 Lithonia Campus Abstract Drinking alcohol for a period of time or even binge drinking cause harm your heart. Alcohol increases the risk for heart attack, strokes, and hypertension. In 2013, a total of 71,713 people died of liver disease the ages ranged from 12 and older. Alcohol has also been known to affect the pancreas, large amounts of alcohol can confuseRead More The Effects of Alcohol on the Body Essay1555 Words   |  7 PagesThe Effects of Alcohol on the Body You are in college, you are at a party, and you are drunk. You, and the people around you, know you are drunk by your disorientated behavior but do they know what is causing you to act in this manner? Most likely not. Most people do not think about what the alcohol inside them is doing, the only thing they are worried about is the buzz that they get from it. Moderate drinking is alright but drinking excessively can wear out the body.   Three important thingsRead MoreEffects Of Alcohol Abuse On The Body991 Words   |  4 PagesEffects of alcohol abuse Alcohol abuse has become a growing problem in the U.S. today. Even though alcohol prevents certain illness and extends life, alcohol abuse needs to be controlled before it gets to out of hand because it has many negative effects on a person’s body, it can cause harm to children mentally and physically, and not only affects the person drinking it but the people around them. Alcohol abuse has many negative effects on the body. One way it affects the body is through the heartRead MoreThe Effects Of Alcohol Abuse On The Body1644 Words   |  7 PagesAlcohol abuse can also cause short-term effects to the body. Although there are many different short-term effects, the most common happens to be a hangover which is a â€Å"group of symptoms experienced by a person after a heavy consumption of alcohol† (Alcoholic 1). Symptoms of a hangover often consist of nausea, fatigue, thirst, headache, diarrhea, and sensitivity to light and noise. The severity of a hangover depends on several factors; these factors include the amount of alcohol consumed, the levelRead MoreEssay on The Effects of Alcohol on the Body1750 Words   |  7 PagesThe Effects of Alcohol on the Body Alcohol is one of many dangerous substances that effects our bodies. The effects of this drug can be very harmful. Alcohol is a potent non-prescription drug sold to anyone over the national legal drinking age, 21. Unlike other deadly drugs it is easy to access. This makes it easy to over-consume and create a tragic accident, even death. It can damage a person not only physically but also mentally and emotionally. Many people each year become more and moreRead MoreThe Effects of Alcohol on the Human Body1420 Words   |  6 PagesThe effects of Alcohol on the Human Body Name: Institution: Introduction Today, alcohol is one of the most common substances that people abuse. It is an addictive drink that has become a popular way of having a good time or relaxing in social gatherings. It is among the most commonly used psychoactive drugs. Alcohol is a popular social phenomenon, yet most societies forget its effects on their bodies. Research has carried out in the recent years on the effects that alcohol consumption is having

Relationship Marketing in Consumer Markets- an Article Review

ARTICLE REVIEW â€Å"Relationship marketing in consumer markets Rhetoric or reality?† By: OMalley, Lisa; Tynan, Caroline. European Journal of Marketing, 2000, Vol. 34 Issue 7, p797, 19p; (AN 3497728) Synopsis This report is based on the notions of relationship marketing relative to consumer markets This journal article (â€Å"Relationship Marketing in Consumer Markets: Rhetorical or Reality†)- focuses on the different aspects of relationship marketing and its effects on the business to consumer markets. This article addresses notions of relationship marketing such as its definition, stages in the Business Customer Relationships (BCR), Relationship marketing strategy in consumer markets, the four tangible manifestations of RM in Consumer†¦show more content†¦-Popularity – refining to closer business to consumer relationship. (Source obtained from: Week 2 Lecture slide by Kath Attree and also located in (Egan, J, â€Å" Relationship Marketing†, 2004)). Henceforth, O’Malley’s theory of the business to customer model somehow contradicts to that of Adrian Payne’s â€Å"Relationship Ladder of Customer Loyalty† (Payne,A â€Å"Advances in Relationship Marketing†, 1997). Accordingly, â€Å"Kotler’s theory of relationship ladders and stages† (Egan, J, â€Å"Relationship Marketing†, 2004) agrees to that of Payne and not the one used in this journal article. Kotler’s relationship ladder model consists of the identifiable aspects in Payne’s theory as well as a little more. Subsequently, Kotler’s model of relationship stages includes the all aspects of prospects, customers, clients, advocates, members and partners, which are evident in Paynes’ theory. Kotler’s model adds more to this relationship ladder with the aspects of â€Å"suspects† (Egan, J, â€Å" Relationship Marketing†, 2004) - being the very first step of the ladder) and â€Å"first-time customers† which are both located in the â€Å"bottom† (more traditional) area of the ladder. Relationship Marketing Strategies in Consumer Markets O’Malley (2000) states that â€Å"†¦the opportunity to develop BCR is only feasible for high involvement products characterised by inelastic demand, where regular interaction with consumers occur†¦Ã¢â‚¬  In my perspective, I found this statement oversimplifying.Show MoreRelatedLiterature Review-Fdi in Retail1349 Words   |  6 PagesRETAIL MARKETING PROJECT INTERIM REPORT LITERATURE REVIEW AN EMPIRICAL STUDY OF THE GROWTH PROSPECTS AND PROFITABILITY OF FDI IN RETAIL SEGMENTS OF INDIA Submitted to: Prof. Sapna Parashar Date: 23-07-2008 Submitted by: Arnab Sinha 071108 INDEX INDEX 2 CONCEPTUAL ANALYSIS 3 Summary of Retail Market in India and FDI in Indian Retail 3 Read MoreImpact of social media marketing1686 Words   |  7 Pagesto facilitate data, to a platform of public communication through social media. Social media has opened up a plethora of opportunities for businesses to advertise, promote and market themselves to customers. 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International Business Ventures in Developing Countries

Question: Discuss about the International Business for Ventures in Developing Countries. Answer: Introduction: Foreign Direct Investment is an emerging economic trend in the world and it helps in better exposure and growth of a business. However, Foreign Direct Investment is related to overseas business and international business exchange (Dunning 2012). The home country of the multinational companies has different sets of cultural beliefs, laws, and regulations that make any kind of business investment a bit difficult. There can be various kinds of ethical dilemma in investing in the home countries of the multinational enterprises. The ethical dilemmas can be further discussed and also some recommendations for the employees of the multinational enterprises, the host countries and so on can be provided. The ethical dilemmas in this prospect can be the difference in culture, the difference in official rules, difference in investment rules and so on (Roberts 2015). Certain examples are there that show how multinational companies or enterprises has developed their trade meticulously in various c ountries like, Brazil, India, Mexico, China and so on. Foreign Direct Investment is an ever-growing business and with the expansion of the business ethical concerns come in the discussion, since this kind of investment needs to know and adapt to the political, social and cultural scenarios of the other countries. The human resources in the rapidly developing multinational enterprises have a different set of outlook and working culture as compared with the employees of other countries or organization. Understanding of the institutional rules and regulations is also important and the morale or the principle of the foreign direct investment is very much dependent on this factor. The executives of the multinational companies can bring in some change in their working procedure and work towards the development of their home country through the foreign investment procedure. The executives can conduct a thorough research of their home country in order to understand the trade needs, the contemporary trade rules, and regulations. The labor union leaders or the labors have to be more tolerant towards the new changes (Rugman 2012). The labors have to accept globalization and the rigidness regarding wages and other demands should be reconsidered in order to usher in new trade and to establish a good trade relationship. The mobilization of labors should also be done to increase the international trade prospect. However, the host country officials or the firms before investing in other countries for the prospect of business should be well aware of the principles on which the country works. In todays time, the growth of foreign investment in the developing nations is qui te high and the host country officials should have a thorough knowledge about the democratic, political and cultural situations of the country in which they are going to invest (Dunning 2012). On the contrary, to this, the home country officials should understand the necessity and importance of the foreign investment. They should also have an understanding of their own market position and condition to adapt to the necessary changes that would be brought about by the foreign direct investment. Successful international business can only be developed by taking risks or investing in risk factors (Cavusgil et al. 2014). Mike's international business is spread in places like North America and the European Union. However, Mike's companies are not doing well since they are guided by old marketing principles and as a result, the competitors are gaining more prominence and visibility in the international market. The managing body of Mike's company is governed or regulated by the family members, who established or founded the company and are quite old, fashioned in conducting international business. However, in this prospect in order to develop the market position of Mike's company the economic factors, the corporate governess, the prospect of the growth of emerging markets and so on can be further discussed. The economic factors that the CEO, Mike can keep in consideration in this scenario for the success and development of his business are the taxes, the management policies, the cost of labor and the governmental policies of North America and the European Union (Hennart 2013). Mike can analyze these factors, which will help him to make his overseas business more successful. The companies in North America and the European Union can adapt to the contemporary management policies, taxation policies, and labor policies of the nations to compete with the other home companies. Mike can also concentrate on developing a business model that will bring profit to his organization. Mike can develop a V4 BM framework that will help Mike to analyze the propositional value, the network value, the financial value and the architectural value of his companies (Teece 2014). These will formulate a definite business model for his organization and based on that the company can proceed with its work. Having a definite business model is utmost important since on it depends on the success and development of an organization. Mike can also study about the emerging markets in North America and the European Union to compete with the other companies. With the increase in the foreign direct enterprise, many multinational enterprises are being established in the European Union and North America and hence adhering to the corporate governance norm for running an organization in a foreign land is utmost important. Mike can make necessary or required changes in his firms as per the laws and regulations of the country, where his firms are operating. Corporate governance includes several important things like the behavioral aspect of the employees, transparency and clear communication in an organization, a balanced ethical approach and so on. Mike can also focus on developing strategies that will be beneficial for the growth of his companies. Resource-based strategies can be developed by Mike to analyz e or understand the performance the firms or the organizations (Roberts 2014). Mike can also focus on a SWOT analysis strategy to understand the threats, the weakness, the strengths and the opportunities of his companies. However, it is recommended that Mike being the CEO of the companies can initially recruit a new board of members and who are quite contemporary in their approach to trade or international business. Reference: Beamish, P., 2013.Multinational Joint Ventures in Developing Countries (RLE International Business). Routledge. Cavusgil, S.T., Knight, G., Riesenberger, J.R., Rammal, H.G. and Rose, E.L., 2014.International business. Pearson Australia. Dunning, J.H., 2012.International Production and the Multinational Enterprise (RLE International Business). Routledge. Hennart, J.F., 2013. From The American Challenge To The Dragons At Your Door: Forty Years Of Work On The Theory Of The Multinational Enterprise.Philosophy of Science and Meta-Knowledge in International Business and Management,26, p.5. Moran, T.H., 2012.Foreign Direct Investment. John Wiley Sons, Ltd. Roberts, C., 2015. Foreign direct investment.AusIMM Bulletin, (Oct 2015), p.80. Rugman, A., 2012.New theories of the multinational enterprise(Vol. 33). Routledge. Teece, D.J., 2014. A dynamic capabilities-based entrepreneurial theory of the multinational enterprise.Journal of International Business Studies,45(1), pp.8-37.

Marine Insurance Market an Example by

Marine Insurance Market by Expert Marvellous | 08 Dec 2016 Marine Insurance an overview Need essay sample on "Marine Insurance Market" topic? We will write a custom essay sample specifically for you Proceed The origin of marine insurance dates back to the middle ages and is perceived to be one of the oldest forms of insurance. The practice of trade in ancient civilization gained widespread prominence and gradually land trade gave way to sea trade since water transportation became the favoured mode of commuting. The ancient Romans and Greeks adopted certain measures to insuring themselves against any kind of maritime risks in the form of loans or mutual guarantee. Bottomry was one of the oldest forms of maritime insurance and this type of underwriting can be defined as the mortgage of a ship, i.e., her bottom or hull, in such a manner that, if the ship be lost, the lender likewise loses the money he advanced on her; but that, if she arrive safely at the port of destination, he not only gets back the loan, but receives, in addition, a certain premium previously agreed upon (Martin, 2005). The practice of marine insurance gained wide popularity in London. Besides inpidual underwriters the Lloyds Coffee House attracted large number of brokers and insurers who catered to marine insurance market. Elsewhere across the globe too the market for marine insurance witnessed rapid surge since traders engaged in foreign trade were concerned about facing huge losses at sea. The Marine Insurance Act of 1906 defines A contract of marine insurance is a contract whereby the insurer undertakes to indemnify the assured, in manner and to the extent thereby by agreed, against marine losses, that is to say, the losses incident to marine adventure. Marine Insurance broadly covers two categories of insurance claims cargo insurance providing protection to cargo, goods, hull and machinery; and protection and indemnity insurance that protects the insured against any kind of damages to vehicles or crew in case of any kind of mishaps on sea. The marine insurance acts as a shield to vessel owners and businessmen trading through sea against any kind of damages or losses that might occur during the voyage. The Lloyds still plays a significant role in marine insurance however, the market for marine insurance has transformed greatly over the years. The increasing use of other modes of transportation in foreign trade has impacted the shipping industry to a great extent. Sea faring traders have given way to jet flying businessmen with cargoes being hauled at airports that provide faster means of delivery. Moreover, the ships being used for trade purposes are equipped with more capacity and power to carry enormous volumes of goods from one country to another. Current market practices and trends Globalisation of economies and liberalisation of markets have boosted the marine sectors in the past few decades. Ships are generally used to transport goods that are not perishable since transit takes a lot of time. However, this is a comparatively cost effective mode of transporting goods. The marine insurance market is becoming more global with the entry of Asian markets that are aggressively meeting the local market demand along with an eye to cater to international business. The insurers at Lloyds are expanding to markets of Singapore and Hong Kong to meet the growing demands of this industry. Market review report by AON for the year 2008 observes Most businesses buying marine insurance have enjoyed yet another year of very competitive rates and can generally look forward to more of the same in 2008. This positive outlook is due to plentiful supply of capacity combined with low level of claims creating fierce competition between underwriters. Due to rising number of entrants into the marine insurance market the consumers are paying less. However, the hull and machinery insurance sector has not been much profitable recently and insurers are facing losses in this sector. The Protection and Indemnity (Pthis magnifies the potential scale of disaster for P The insurers are maintaining their profit margins through profits from other sectors where rates are still favourable and market remains competitive. The super yacht market is one such sector that is experiencing rising demand and rates for insurers are favourable. The cargo and liability market has offered the insurers with increasing returns and they have managed to remain profitable so far in the industry. The Centre Union of Marine Underwriters Norway state in their annual report that the year 2007 witnessed, an alarming trend with the average hull claim cost rising 86 percent over the last five years. And with claims costs likely to continue growing in the future, the industry must take further steps to manage costs without risking safety. The marine insurance market is showing changing trends in the face of rapid changes occurring in the shipping industry that is plagued by shortage of experienced and capable crew and bigger ships creating bigger risks. The ship owners face the risk of huge losses and recent statistics reveal that losses from machinery damage are rising. The underwriters are hit more by the quantum rather than the frequency of machinery claims (AON marine insurance market review report 2008). The cargo sector presents the brighter side of the marine insurance market. The cargo owners are benefiting from falling rates and underwriters are making profit. This sector is more appealing to the underwriters due to the lower level of risk involved with more marine insurers expanding into the cargo operations. The major market for this insurance sector is London accounting to its capacity to cover high risks. Both cargo owners and underwriters are benefiting from the very low incidence of claims in the recent years (AON market review report 2008). Among other sectors in the marine insurance market the Protection and Indemnity (Pnew legislation and tougher regulation, particularly on environmental liability (AON market review report, 2008). This generally refers to the regulations that make it mandatory for marine companies to clear the marine wreckage to prevent pollution. These clean up operations are expensive. The marine insurance market is to a considerable degree governed by the increase or decrease in natural calamities and accidents. Advancing technology and vessels equipped with high-tech devices to combat such events have reduced the losses faced by the marine companies. The lack of major losses means that the markets also remain attractive to capital providers. They continue to bankroll additional capacity, thereby increasing competition and exerting further downward pressure on rates (AON market review report, 2008). Despite such odds working against the marine insurance market conditions are still favourable at Lloyds primarily due to the focus of the underwriters on the theory write for profit not market share (Tolle, 2008). Ralf Tolle, the Franchise Director believes that the marine insurers can cut down on their losses and risks through bringing down their involvement in unprofitable sectors and concentrating more on secured fronts that will reap benefit in terms of greater profitability. Unnecessary expense on expanding market share should be avoided and shipping companies need to wait for more favourable times to invest in offshore operations. Conclusion The marine insurance market is vulnerable to the huge losses and rising prices of the ships and containers being manufactured today. Though the number of eventualities have gone down in the past few years the size of losses have increased due to these factors. Under such circumstances the marine insurers at Lloyds are concentrating more on cargo insurance rather than focussing on hull, protection and indemnity, and liability sectors. The CEFOR report suggests to manage rising costs, marine insurers must work more closely with ship owners, class societies and regulators to develop systems to ensure a safer industry and more effective tools to manage risk. Rising environmental and safety concerns have created an increasingly regulated industry and have encouraged industry stakeholders from classification societies to ship managers, marine insurance providers to shipyards to share more information. References: CEFOR. 2007. Soaring claims costs set to transform marine insurance market. Accessed on 20th October 2008 from http://www.cefor.no/news/CEFOR%20&%20Annual%20Report/CEFOR%202008%20Press%20Release.pdf AON. 2008. Market Review Marine Insurance 2008. Accessed on 20th October 2008 from http://www.aon.com/uk/en/industry_specialisations/marine/images/market-review.pdf Tolle, Rolf. 2008. Lloyds - Booming global trade: Opportunities and threats for marine insurance. Accessed on 20th October 2008 from http://www.lloyds.com/News_Centre/Speeches/Booming_global_trade_Opportunities_and_Threats_for_Marine_Insurance.htm Soyer, Barris. 2005. Warranties in Marine Insurance. Published by Routledge. Niekerk, JP Van. 1998. The developments of the principles of insurance law in Netherlands from 1500 to 1800. Published by Uitgeverij Verloren. University of Cape Town Marine and Shipping Law. 1999. Marine Insurance Act, 1906. Accessed on 20th October 2008 from http://www.uctshiplaw.com/mia1906.htm Sayles, David. Ocean Marine Insurance. Accessed on 20th October 2008 from http://www.dsayles.com/marine.htm Martin, Fredrick. The history of Lloyds and of marine insurance in Great Britain. Published by Adamant Media Corporation. Putney, Albert. Popular law library Vol9 Bills and Notes, guaranty suretyship, insurance, bankruptcy. Section 4: History of Insurance: Marine Insurance. Accessed on 20th October 2008 from http://chestofbooks.com/society/law/Popular-Law-9/Section-4-History-Of-Insurance-Marine-Insurance.html Huybrechts, Marc; Dieryck, C., Hooydonk, Eric Van. 2000. Marine insurance at the turn of the millennium. Published by Intersentia.