Enterprise Resource Planning Systems Implementation †Free Samples

Question: Examine about the Enterprise Resource Planning Systems Implementation. Answer: Presentation Venture asset arranging is a product the board device that is utilized in overseeing and sorting out different exercises in business. This product is fundamentally used to encourage the everyday exercises of the association through an incorporated arrangement of information. This framework helps in overseeing capacities, for example, HR, innovation, deals and client administrations. This framework assists with making a database where all the reports of the association are keyed, and representatives can recover this reports from one spot in the framework (Herzmann 2008). It breaks hindrances in the association inside the various areas along these lines helping representatives to be beneficial in their work execution. These frameworks are worthwhile to the manner in which the association works and its prosperity yield. These focal points remember offering straightforwardness for information which empowers organizations to make considerable upgrades, decreasing dangers by meeting all th e money related administrative factors and improving client care the executives (Kurbel 2013).This report investigates the usage of the ERP frameworks in the association. It investigates who the partners are currently the usage and the issues surfacing them. There is the blueprint of the means engaged with the ERP usage process. During the usage of the ERP frameworks, building up and recognizing partners is each essential advance in the ERP execution process. This report analyzes the partners the executives, recognizable proof, and classification. ERP frameworks impactsly affect the investors in the association. During the execution procedure, the jobs and duties of partners are reexamined. In this way, the association needs to watch out for every one of its partners to oversee them all the more productively. Observing can best be accomplished through investigating the partners cooperative energy and method of correspondence. For a fruitful ERP execution to occur, an association has to know the expansive scope of partner of the association and their inclinations to adequately oversee them through this product (De Marco 2012). Partners associated with the ERP framework execution process are arranged into four divisions. These are a definitive purchasers, InfoTech staff, outside people, and the administration. Last purchasers Last purchasers are made of workers in the association and business clients. These are the end clients of the frameworks in the association. These extreme customers have a great deal of information on all the procedures that happen in the association. During the usage procedure, a great deal of this information on the procedures in the association should be feed into the ERP framework (Tarique 2016). This makes a definitive buyers, significant partners in the execution procedure. For the accomplishment of the ERP framework in the association, a definitive purchasers need to have a significant level of understanding and a ton of contribution in the exercises of the business. End clients should be dynamic in the association. Representatives should be progressively associated with the business and the framework. Association lessens representative turnover and persuades the workers to stay with the association (Zaveri 2009). These last clients require experiencing a ton of preparing on t he best way to utilize the ERP System in the association, to have the mastery of utilizing the product in the presentation of business exercises. Figuring out how to utilize these frameworks help representatives to have the option to discuss adequately with different partners in the association on issues relating the association. Then again, clients are essential to end clients since they have gotten increasingly dynamic in the business exercises and their requests on items and expenses have gotten all the more requesting. This product encourages these clients to pick what they need in the association and improve their relationship with the administration. As per an overview by the Taiwanese Organization, it announced that the association offered better administrations after the ERP System was executed (Yeh et Al 2005). This overview, notwithstanding, rushed to pinpoint that the organization didn't consider the shoppers input after the execution. This is the significant issue surfacing the end clients, for the most part the shoppers. Associations neglect to include the clients in the usage of ERP frameworks. In each execution of ERP frameworks, the clients ought to be placed into the condition. This is on the grounds that when an execution is effective, the net revenues in the association rise, these is because of the effect it has on the clients. Then again, a bombed framework results to diminished benefits and loss of clients who search for another option. In upgrading the relationship with clients while executing an ERP framework, an association needs to impart to workers on the progressions they are going to make. This includes the showcasing office educating clients through their sites and different channels used to reach to them. These give the clients a feeling of having a place with the association and a desire to hold their dedication to the association. This will include educating clients on what the framework involves, how it will work. The advantages the framework is probably going to accumulate to the association and its clients. One case of an ERP framework is the Customer Relationship Management (Maleki and Anand 2008).This programming is utilized in the administration of clients and in procuring an upper hand in the market. As of late, most associations have received these ERP frameworks and understood an improved effect of clients from the past occasions. InfoTech authorities Another partner in the execution of ERP is the data innovation staff. These individuals are accountable for the innovation in the execution. These incorporate both inside InfoTech and redistributed staff. These partners are significant in light of the fact that they help to keep up the frameworks just as train the association whole staff on the most proficient method to utilize these frameworks. The inward InfoTech staff adds to secure criticism from a definitive buyers and give the data to redistributed IT staff who feed the data into the ERP programming. The redistributed staff is associated with fixing and designing the frameworks with the association information. They are likewise essential in keeping up these frameworks and refreshing them in the association at whatever point conceivable (Heidelberg et al 2014). The outer master is the second most significant with regards to making progress in the usage procedure of ERP. They face issues of correspondence and clashes in the association. As per research done on the accomplishment of the ERP venture in Taiwanese Organization, it depicts that advisors who can defeat issues in correspondence and preparing workers, guarantee a productive result in the ERP venture. Correspondence is the serious issue, particular to outside gatherings, who are outsiders in the association. The individuals from the association may not be willing to monster well with their preparation since they feel that, they are more gifted than they are. This lethargy from representatives is the thing that outside advisors look to defeat to ready to cooperate with the individuals from the association. Specialists, who deal with this, can execute the product effectively. A great deal of partnership from different partners is what is basic. Then again, these advisors may not be eager to help this task to the last advance. This influences the usage procedure contrarily. Another issue is the absence of comprehension of the association customers along these lines the person in question can't offer an appropriate arrangement in accordance with those requirements. This occurs on account of an outside authority neglecting to comprehend the hierarchical culture and the requirements of the association. This prompts an undertaking that doesn't fill the need it is planned to and carries less assistance to the association. In any case, the administration may assume a job is making advisors to fail to meet expectations. More often than not, the administration of an association, utilizes the outer pro on modern bases, yet this outside staff should be a drive to the individuals from the association to accomplish the expected reason. These outer authorities ought to have one more objective of guaranteeing that the workers in the assoc iation comply with the progressions achieved by the execution of the ERP framework. They should help with helping each part to figure out how to utilize it. For example, a Mexican Organization executed an ERP framework, yet it neglected to accomplish the reason in light of the fact that the association didn't accept the change the framework realized, and the outer authorities didn't drive the individuals from the organization in fitting in with change (Lytras and Ordonez 2009). InfoTech staff may either prompt the accomplishment of disappointment of the association. These essential partners transform a framework into a triumph by having the option to get familiar with the individuals from the association and improving the correspondence channels. This helps all the individuals in the association to get an away from of what the framework involves and how it functions. These partners will decide whether different partners in the association comprehend what the association involves. The Management This the most vital significant partner with regards to ERP framework execution. It contains the chiefs of the ERP adventure. These directors screen the usage procedure through the association. The pilot board of trustees of the ERP program is additionally part of the administration. The pilot panel assists with driving the vitality among the association individuals to engage in the ERP execution process. The administration in the ERP usage process targets offering enough help of the frameworks in the association and training the representatives on the significance of this task and the advantages it will accru

Ethan Frome Readers Response :: Essays Papers

Ethan Frome Readers Response I thought the novel Ethan Frome by Edith Wharton was probably the best book that I have ever perused. At the point when I began perusing the book I imagined that it would be about the mishap that Ethan experienced rather than the episodes behind it. The epic is additionally elegantly composed, Edith Wharton made a fine showing composing a book that I never needed to put down. I felt as if the story was being advised to me and that I really knew Ethan and Mattie. Also I appreciated the way that Edith Wharton utilized a great deal of descriptive words to make the scenes and story wake up, for instance toward the finish of the story during the sledding scene I really felt as if I was on the sled with Ethan and Mattie. Just two things in the novel irritated me, the way that in the start of the novel I felt that I would discover what happened to Ethan in more detail and I likewise needed Mattie and Ethan to run off together. In the opening of the novel, I imagined that I would get familiar with the mishap and when I completed the novel I felt that I was â€Å"left hanging† when Edith Wharton truly didn't mention to you what occurred after she caused it to appear as believed that is the thing that the novel is about. I additionally needed Mattie and Ethan to live cheerfully ever after, possibly it was the female in me yet I feel that they ought to have run off together as opposed to being reasonable. Toward the finish of the novel, I was truly amazed to discover that Ethan is as yet hitched to Zeena, I felt that Zeena may leave Ethan and afterward Ethan and Mattie could get hitched. I noticed a portion of the imagery that Edith Wharton utilizes in her novel for instance, that there is striking imagery in the symbolism that the creator utilizes, principally that of winter which delineates frigidity, separation, hopelessness and withdrawal. I likewise feel that Edith Wharton picked winter as a subject in this novel since it represents passionate and physical segregation, and demise that encompasses Ethan. So also, the name of the town, Starkfield, is emblematic of Ethan's exhausting life. Similarly as Ethan’s house was once new and lovely it is currently worn by numerous cruel winters in Starkfield, as was Ethan after the mishap.

Tips on Creating Best Presentation

Tips on Creating Best Presentation How to Turn a Usual Presentation into a Killer One Home›Tips for Students›How to Turn a Usual Presentation into a Killer One Tips for StudentsA presentation is the best way to convey ideas. Visual learners will undoubtedly agree with me. That is the reason why presentations are widely used in the learning process. If to speak about the ultimate tool for creating presentations, many of us will think of PowerPoint. The truth is that if you wish a presentation with some flair, this program is a bit heavyweight and old-fashioned to create one. QualityCustomEssays is going to reveal you the secrets of creating a killer presentation with the help of brand new digital alternatives to Power Point:Keynote. The tool that practically makes the process of creating a presentation enjoyable. It is available on each Apple product (either iPod or iPhone). It offers new slide transitions and 3D or animated charts. You can use a full-screen view for the information to be presented from your devic e or you can opt for video mirroring to show the info on HDTV. You get the possibility to preview your slides as well as stay on track with the help of clock and timer, while the audience is privy to the main screen. It is very useful for pacing yourself in a proper way. What is more important, the app allows to record the voice and set slide timing in case you can’t be present at the presentation. Keynote is available for about $10.Prezi. It is a presentation tool for next generation that combines the idea of visual mind-mapping as well as zoomable user interface. Prezi’s in and out zooming allows better conveying your thought process and for the audience better understanding of the matter. You can customize your presentation from scratch or use some of the templates. It is a cloud-based tool which allows you to have access to your presentation, add images, videos, PDF files and texts from anywhere. Here is a detailed video tutorial for you to learn how to master the using of the tool. Your first presentations will be free of charge. Later you will be offered to pay about $60 for using the tool for a year.We hope that with the help of the mentioned above tips you will be able to create killing presentations that will improve your grades. Remember that our service can also influence your grades in a positive way. I speak about your only high grades for academic writing assignments done by our highly qualified writers. Do not hesitate to become our customers!

Tips on Creating Best Presentation

Tips on Creating Best Presentation How to Turn a Usual Presentation into a Killer One Home›Tips for Students›How to Turn a Usual Presentation into a Killer One Tips for StudentsA presentation is the best way to convey ideas. Visual learners will undoubtedly agree with me. That is the reason why presentations are widely used in the learning process. If to speak about the ultimate tool for creating presentations, many of us will think of PowerPoint. The truth is that if you wish a presentation with some flair, this program is a bit heavyweight and old-fashioned to create one. QualityCustomEssays is going to reveal you the secrets of creating a killer presentation with the help of brand new digital alternatives to Power Point:Keynote. The tool that practically makes the process of creating a presentation enjoyable. It is available on each Apple product (either iPod or iPhone). It offers new slide transitions and 3D or animated charts. You can use a full-screen view for the information to be presented from your devic e or you can opt for video mirroring to show the info on HDTV. You get the possibility to preview your slides as well as stay on track with the help of clock and timer, while the audience is privy to the main screen. It is very useful for pacing yourself in a proper way. What is more important, the app allows to record the voice and set slide timing in case you can’t be present at the presentation. Keynote is available for about $10.Prezi. It is a presentation tool for next generation that combines the idea of visual mind-mapping as well as zoomable user interface. Prezi’s in and out zooming allows better conveying your thought process and for the audience better understanding of the matter. You can customize your presentation from scratch or use some of the templates. It is a cloud-based tool which allows you to have access to your presentation, add images, videos, PDF files and texts from anywhere. Here is a detailed video tutorial for you to learn how to master the using of the tool. Your first presentations will be free of charge. Later you will be offered to pay about $60 for using the tool for a year.We hope that with the help of the mentioned above tips you will be able to create killing presentations that will improve your grades. Remember that our service can also influence your grades in a positive way. I speak about your only high grades for academic writing assignments done by our highly qualified writers. Do not hesitate to become our customers!

Utilitarianism Essays Utilitarianism And Integrity

Utilitarianism is a practical doctrine that is widely accepted in modern society’s economics, politic, and ethics. Utilitarian is driven by the pursuit of happiness. For a utilitarian, everything that will be helpful in the pursuit is considered good. In utilitarianism, an action is good or evil based on its consequences on the happiness of an individual and the happiness of the community. Similar to other doctrine, utilitarianism is not without a flaw. Bernard Williams, in his paper Utilitarianism and Integrity, voices his primary concern in regard to utilitarianism by providing two concrete examples to demonstrate how utilitarianism is only concerned about the consequences of the action and not about the means used to get there. Williams argues that utilitarianism fails to acknowledge the integrity of a person because the ultimate goal of utilitarianism is to produce the greatest happiness overall. Williams demonstrate this problematic dilemma in the example of Jim. While on a botanical expedition, Jim stumbled upon the central square of a small South American town. In front of him is a row of twenty petrified Indians, lined up to be executed by armed men. The captain in charge, Pedro, explains to Jim that these twenty Indians were chosen randomly from a group of inhabitants to be killed as a message to other potential protestors that it is unwise to protest against the government. Since Jim is a visitor from a foreign land, the captain offers himShow MoreRelatedIn Utilitarianism For and Against by Bernard Williams, Williams has an argument that is based on1200 Words   |  5 PagesIn Utilitarianism For and Against by Bernard Williams, Williams has an argument that is based on the value of integrity. Integrity is defined as the quality of being honest and having strong moral principles or moral uprightness. In Williams argument he believes in certain circumstances utilitarianism requires agents to abandon their personal projects and commitments. This lead Williams to claim that utilitarianism is an attack on an agent’s integrity. In my essay I will explain Williams’s argumentRead MoreAn Introduction to the Principles of Morals and Legislation by Jeremey Bentham.1026 Words   |  5 PagesWhat is Utilitarianism? I believe that utilitarianism is the theory in which actions are right if they produce happiness and wrong if they don’t produce happiness. Happiness is what every human being look forward to. When making a decision, all possible outcomes must be ensured that it will lead to happiness. Utilitarianism is based on the principle of utility .Utility is the ability to be useful while satisfying needs. Utilitarianism is generally considered a moral theory that was found by JeremeyRead MoreMill s Utilitarianism : Utilitarianism1251 Words   |  6 PagesMill’s Utilitarianism For centuries philosophers have attempted to explain morals, creating ideas that break this ethical system down into basic components. English philosopher, John Stuart Mill, was a large contributor to the idea of utilitarianism. Although Mill’s utilitarianism provides a strong argument for explaining morality, it is not a bulletproof theory. J.S. Mill’s Principle of utility, also known as the greatest happiness principle, is an ethical philosophy that looks at the developmentRead MoreThe Contributions Of John Stuart Mill1250 Words   |  5 PagesEngland, to Harriet Burrow and James Mill, a noted economist, philosopher and historian. James Mill was an educated man who was heavily involved in an early 19th century movement called philosophic radicalism, a school of thought also known as Utilitarianism, which highlighted the demand for a scientific foundation for philosophy, as well as a humanist approach to economics politics. It was this foundation from which James Mill urged and advanced his eldest son s education from a very early ageRead MoreEthics Systems Of Accounting : Comparing Deontology And Utilitarianism1482 Words   |  6 PagesSystems in Accounting: Comparing Deontology and Utilitarianism Ethics are crucial to the accounting profession and the business world, so choosing an ethics system to base your moral decisions on is extremely important. Accountants and all business professionals will be confronted with moral dilemmas on a daily basis. Being strong in your faith and knowing what you believe in will help you to always make the right decision. Based on this reasoning, this essay will explain why deontology is the best ethicsRead MoreRelationship Between The Principle Of Utility And Moral Rules1462 Words   |  6 Pagesrelationship between the principle of utility and moral rules. In this essay I will argue that Mill thinks that there is a strong relationship between the two concepts, although he regards moral rules as having a subordinate relationship towards the principle of utility. Mill is a rule utilitarian who believes moral rules are useful guidelines for everyday uses, but reverts to the principle of utility in complex moral situations. In this essay I will also argue for the advantages of Mill’s understanding ofRead MoreUtilitarianism, By John Rawls And Robert Nozick1486 Words   |  6 PagesUtilitarianism is a moral theory according to which an action is right if and only if it conforms to the principle of utility. An action conforms to the principle of utility if and only if its performance will be more productive of pleasure or happiness, or more preventive of pain and happiness, than any alternative. The rightness of an action entirely depends on the value of its consequences, this is why the theory is described as consequentialist. The â €Å"separateness of persons† is an objection againstRead MoreThe Ethical Responsibilities Of Business Ethics Essay1737 Words   |  7 Pagesoptions, hide the truth but save the reputation or keep honest but lose large amount of income. This easy introduces a comparative analysis of Jean’s situation under an ethical dilemma perspective with three different ethical theories, Kantian, utilitarianism and egoism. Based on the information from Jean’s case, the existence of an ethical dilemma is implied. Generally, ethical dilemma is defined as† a complex situation that often involves an apparent mental conflict between moral imperatives, inRead MoreUtilitarianism And The Political And Economic Aspects Of Development1493 Words   |  6 PagesUtilitarianism in the political and economic aspects of development has been widely recognized and human social practice plays a huge impact. But the utilitarian always at the place of criticism, misunderstanding. People tend to equate utilitarianism simply with individualism. In fact, the means of utilitarianism not only consider a behaviour and motivation, and to emphasize life purpose should emerge to the scope of his own happiness, to care about other people s happiness and the improvement ofRead MoreUtilitarianism And Bernard Williams Critique Of Utilitarianism1915 Words   |  8 PagesUtilitarianism’s Moral Overburdening and Ber nard Williams’ Critique Utilitarianism, at first, appears to be a rather uncontroversial ethical theory in that it bases its plausibility on its basic principle of maximizing human happiness. Even so, it proves to be rather problematic in many of its aspects as soon as one discerns how this ethical account ascribes moral value to actions. Particularly, one worrying issue for utilitarianism, which I will be delving into, deals with is its demands on the way

Women and Barriers to their Financial well being/ Barriers for women in relation to financial security - Free Essay Example

Sample details Pages: 8 Words: 2365 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? 2.2 Women and Barriers to their Financial well being/ Barriers for women in relation to financial security There are different circumstances faced by women that may create barriers in becoming financially secured in their lives (Morris, 2007). Formal Financial barriers A key constraint for women is the access to adequate financial resources for the success of their business (Minniti, 2009; Jordi, 2009). Different researchers have made the attempt to see how financial institutions behave towards women while granting funds. Empirical studies have established the influence of financial literacy on financial behavior. People with low financial literacy are more likely to have problems with debts (Lusardi Tofano, 2009). Apparently, debt financing is a challenge for women entrepreneurs (Buttner and Rosen, 1992) because of unequal treatment by debt providers, lack of experience in dealing with lending institutions and insufficient credit history and rating (Bel court et al, 1991; Goffee Scase, 1983; Hisrich Brush, 1984). As an example, Kenyan women are almost invisible to formal financial institutions they receive less than 10 percent of commercial credits (Mahbubultlag Human Development Center, 2000). According to the UNIDO report (1995), à ¢Ã¢â€š ¬Ã…“despite evidence that womanà ¢Ã¢â€š ¬Ã¢â€ž ¢s loan repayment rates are higher than menà ¢Ã¢â€š ¬Ã¢â€ž ¢s, womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s still face more difficulties in obtaining credit,à ¢Ã¢â€š ¬Ã‚  often due to the discriminatory attitudes of banks and informal lending groups. In developing countries, women have limited access to funds as they are located in poor rural communities with fewer opportunities to borrow (Starcher, 2008). These women continue to suffer from poor enforcement of financial rights and the existence of poor access to financial resources long with the rigidity of collateral requirements and heavy paperwork are further impediments to women entrepreneurs (Stevenson a nd Jarillo, 2003). Not surprisingly, women struggle for financial assistance as well for their own use. In most regions of the world, fewer women held a account at a formal financial institutiton whereas Sub-Saharan Africa, women are more likely to use an informal saving clubs and not a formal financial institution to save as compared to men. Also, financial inclusion is low in Mexico among women whereby only 22% women have bank accounts (Demirguc-kunt and Klapper, 2012). On the whole, proper access to financial services provides opportunity for improving womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s businesses and the economy of the entire communities and countries. Informal barriers Besides, the home environment plays a role in financial literacy. Parents have the primary responsibility to inculcate financial habits and behaviors to children when they are young (Into, 2003). They have the greatest influence on the way children handle money and instill the attitudes their children have towards saving (Eikmeier, 2007). à ¢Ã¢â€š ¬Ã…“Children learn financial management behavior through observation and participation and through intentional instruction by socialized agents (family, siblings, spouse, peers, schools, workplace, media and culture)à ¢Ã¢â€š ¬Ã‚  (Eikmeier, 2007, p.6). Social beliefs à ¢Ã¢â€š ¬Ã…“commonly fail to value womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s contribution to relationships and as a result, women may fail to fight for their financial rights as they themselves lack experience of this recognitionà ¢Ã¢â€š ¬Ã‚  (Branigan, 2004, p.16). From a gender outlook, financial attitudes, knowledge and behavior differ for both male and female due to different financial satisfaction during childhood (Lim, Teo and Loo, 2003). In nearly every culture around the world, girls are brought up to be the caretakers while boys are grown up with the expectation to be the breadwinner (Wilhelm, Varcoe Fridrich, 1993). As a result, differences in gender roles and expectations woul d provide different strategies to the financial socialization of boys and girls and consequently, the different levels of financial knowledge among them (FAlahati Pain, 2011). For example, in Nigeria, there is a large power distance and high masculinity and where customs place the obligation on the male child to be the economic provider, emotional protector and leader (Hofstede, 1980) Astonishingly, women may be working and supporting their family financially, still they are not considered as breadwinner (Yodanis, 2007). Women should be less involve in income earning activities but rather should be humble and modest amid the priority given to their roles as wives and mothers (Zakaria, 2001). The interest of the family members is a determinant factor in the realization of women folk business aspirations (Stevenson and Jarillo, 2003). à ¢Ã¢â€š ¬Ã…“Having primary responsibilities for children, home and older family members, very few women can devote all their time and energies to t heir businessà ¢Ã¢â€š ¬Ã‚  (Starcher, 2008) A potential explanation for womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s lower financial literacy may have to do with specialization of tasks within the household. The idea that men acquire greater financial knowledge and skills than women because they specialize in financial decision-making within the household is consistent with the fact that men tend to display higher financial knowledge than women across a wide range of countries. Hsu (2011) finds that financial literacy of older married women in the US increases as they approach widowhood, thus supporting the idea of household division of labor. Women are more likely to have a budget and to keep track of their finances which are a crucial aspect of financially savvy behavior that has to do with short-term money management. Keeping a close watch on every-day financial expenses is a first step in building long-term financial security and avoiding unsustainable levels of debt. In many countries, women have an important role in household money management in large share of couples. As stated by Chen (2002), women have been traditionally responsible for childcare and daily maintenance of activities like household budgets and bill payments. As a result, they are less likely to save for their retirement and more likely to spend their money on children and families. The results were in line with the OECD INFE surveys and other national studies showing that women appear to be better than men at short-term money management behavior. For instance, women in Australia are much more likely than men to regularly keep a budget for their day-to-day finances and more likely to think about ways to reduce their spending (Australian Government and Financial Literacy Foundation, 2008). Results from both the 2006 and 2009 Financial knowledge survey in New Zealand suggest women have used written/electronic records to be in more control of their expenses. Others authors have also argued that women h ave marginally outperformed men on keeping track of their financial affairs (McKay, 2011; Atkinson et al, 2006). However, Evidence from the OECD INFE survey shows that both partners are jointly responsible for day-to-day money management in a majority of households across several countries, weakening the idea of specialization to financial decision-making. Equally, Fonseca et al (2010) and Bucher-koenen et al (2012), studying the US and Dutch population respectively do not find support for the specialization hypothesis. Another challenge for women is that most of them do not receive any education in finance until they are divorced or widowed (Bach, 2002). Studies have shown that women show limited interest in money matters because they feel they have too little knowledge to engage in these issues. It is reasonable to assume that lower access to education can affect opportunities to improve financial literacy. Lusardi (2007) noted that many households are unfamiliar with even the most basic economic concepts needed to make saving and investment decisions. Researchers (Beal, Delpachtra, 2003) assert that financially educated people would know how to manage their money, understand how financial institutions work, and possess a range of analytical skills. Besides, they would know how they should handle their financial affairs and how to be responsible financially. Eikmeier (2007) pointed out that financial education can lead to financial knowledge and positive changes in attitudes, motivation and planned behavior. Women generally have less knowledge about personal finance topics whereby education and experience can impact the financial literacy of women/For women and men, education will improve their financial education /financial literacy can change with education (Chen, 2002). Having a University degree relates to how a woman manages money with a spouse and they are more likely to be involved in the decision making process with their spouse (Yodanis, 2007). K itching and Woldie (2004) note that women entrepreneurs in Nigeria are often inhibited by their relatively low level of education and skills and this generally limits their access to various support services. Goldsmith and Goldsmith (1997) suggest that women score worse than men because in general they are less interested in the topics of investment and personal finance and consequently use financial services more seldom. The term financial literacy is in itself a barrier because it implies that a person may be financially illiterate. Lusardi (2000) defined financial illiteracy as having little knowledge while Bennleim (1994) referred it as a lacking experience in daily financial matters. In a large number of countries, women have lower financial knowledge than men. This is a robust piece of evidence as it holds across developed and developing countries in all regions of the worlds and using different survey instruments, only in very small number of cases gender differences are n ot significant and in a no country women were found to be more knowledgeable than men. Financial illiteracy is widespread and severe among certain groups including women and older Americans (Census, 2000). Empirical research have been carried out to measure the degree and spread of financial literacy among women. Lusardi and Micthell (2007a) argued that less educated people comprising of females, African-American and Hispanics display low financial knowledge which impacted their decisions financially. Since these people were illiterate in basic financial knowledge concepts, they were unsuccessful in planning their retirement period, had low stock market participation and had fewer borrowings. Similarly, an unequal proportion number of women was categorised as being financially illiterate by Hogarth and Hilgerth (2002). Also, female respondents had been known to score lower marks in financial literacy tests (Chen Volpe, 1998; Murphy, 2005; Volpe, Chen Pavlicko, 1996). In the same w ay, women have obtained less correct answers on six numeracy and financial knowledge questions (Alpha Research, 2010; Azerbaijan Micro-Finance Association, 2009). Based on short tests of financial knowledge, in general, all studies portrayed that women have lower levels of financial knowledge in most countries. Consequently, both men and women were found to have low financial knowledge in Russia and East Germany (Bucher-Koenen and Lusardi, 2011; Klapper and Panos, 2011). Limited access to education not only reduce womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s financial well-being per se, but also limit the extent to which women can improve their knowledge, confidence and skills about economic and financial issues. Money as power/Income Next, making financial choices and discussions concerning money and financial issues can be an emotional area for women. à ¢Ã¢â€š ¬Ã…“Money, which may consider a à ¢Ã¢â€š ¬Ã‹Å"measure of successà ¢Ã¢â€š ¬Ã¢â€ž ¢, is often a taboo topicà ¢Ã¢â€š ¬Ã‚  (Into, 200 3, P.826). Women tend to attach sentiment to money. Since they were raised as being caregivers and not breadwinners, women are seen to be more uncomfortable talking about money and tend to focus on doing well as opposed to getting rich. As an example, there are different emotions and that often are attached to the issues of saving and investing like the need to save for the family or providing their children with things they need or want. Furthermore, emotions that are attached to money often determine if they will live their lives in comfort or poverty (Bach, 2002; Frankel, 2008). There are also many excuses they use to become less involved in their financial well-being. Some of them include: à ¢Ã¢â€š ¬Ã…“someone else will do it, I am not interested in money matters, I do not have enough, I do not have enough time and I just do not want to think about ità ¢Ã¢â€š ¬Ã‚  (Frankel, 2008). Generally, women tend to undervalue their abilities and talents, have less enthusiasm for, lower confidence in and less willingness to learn about personal finance topics (Chen, 2002, p.289). Meeting the family needs is often the contributing factor to the delay in addressing their financial situation. The confidence level of a woman in her ability to make decisions is the difference between knowing something and doing something about it (Foundation, 1998). Results from several sources suggest that women are less confident than men about their financial knowledge. This evidence is largely based on the fact that they are more likely than men to answer à ¢Ã¢â€š ¬Ã…“do not knowà ¢Ã¢â€š ¬Ã‚  to financial knowledge questions rather than attempt to answer it (OECD INFE Survey, 2013). In addition, women tend to have lower confidence than men also in their ability with financial issues. The à ¢Ã¢â€š ¬Ã…“Women Understanding Moneyà ¢Ã¢â€š ¬Ã‚  study highlighted that women are not very willing to learn more about everyday money management issues like budgeting, saving, dea ling with credit and managing debt where they felt more confident. However the study found that women thought it was important to learn more complex money management issues such as planning for the financial future, understanding rights and responsibilities/understanding financial language and ensuring enough money for retirement. Despite acknowledging the importance to learn, significant number of Australian women held attitudes and beliefs that could limit improvements in money management knowledge and skills. Women were more likely than men to find money stressful, uncomfortable or boring and less likely to feel in control of their financial situation (Australian Government and Financial Literacy Foundation, 2008). Lastly, the concept of risk aversion is an area of concern which relate them to financial decision making. Though there has been some progress in womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s financial knowledge and confidence in the last 8 years, women still worry about their financial future and are not sure what they need to do (Prudential, 2008). Croson, Gneezy (2004) show that there is a significant difference in risk-taking between men and women. Women are more risk-averse than men and this low-risk tolerance attitude prevent them from accumulating adequate retirement funds and reaching their long term financial goals (Loibl, 2007). Womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s financial literacy would be enhanced by women becoming more risk tolerant and gaining confidence in their math ability and financial decisions (Glass, 1998). à ¢Ã¢â€š ¬Ã…“Women want less worry, less aggressive investing, more security and predictability, more simplicity and easier access to understandable financial information (Eikmeier, 2007, p.6). Women exhibit relatively more risk aversion in financial decision-making than men. Charness and Gneezy (2011) conducted a meta-analysis of nine different studies on risk-taking in investment. They find a very consistent result that women invest less and thu s appear to be more financially risk averse than men. Similarly, other researchers reported that women are more risk averse to investment than men (Chen Volpe, Bajtesmit Bernasek,1996, Powell and Ansic, 1997; Agnew et al, 2007). Womenà ¢Ã¢â€š ¬Ã¢â€ž ¢s financial risk aversion and low confidence about their financial skills may reduce their propensity to profit from opportunities in the financial marketplace by limiting their willingness to take financial risks Don’t waste time! Our writers will create an original "Women and Barriers to their Financial well being/ Barriers for women in relation to financial security" essay for you Create order

Youth Sports Are Not Becoming Too Intense Essay - 1894 Words

Analysis: The purpose of this paper is to argue the fact that youth sports are not becoming too intense. After reading the New York Times article I decided to pick this topic and argue against this theory because as a division one athlete I have my own opinions. I picked three sources which can back up and prove that sports being too intense is very much your own opinion. Introduction: Being a professional athlete is one of the most commonly heard dreams of a young boy or girl who currently elementary school. Whether it is realistic or not, these kids will be participating in the sport that they wish to thrive in. But, time after time we hear adults complain about their child’s insane soccer schedule, or how they have to spend their whole weekend traveling for games. The parents complaints shouldn’t be the topic of discussion, in fact the only opinions that matter are the children. The question shouldn’t be asking whether or not youth sports are too intense, it should be asking if it is worth it. If a child loves what they’re doing then they have every reason to continue playing their sport, but if they are not all in, he or she has to question whether or not all the craziness is worth it. Source 1: Scholarly Source A study that many people have given little attention to is called â€Å"The Burnout†. This term means that after years of extreme training, competition and scrutiny, an athlete can become â€Å"burned out† and lose all desire to continue playing. People either realizeShow MoreRelatedSports : The Negative Side Of Youth Sports903 Words   |  4 PagesMany people think that sports help children develop teamwork, self-confidence, moral character, and other personal strength but others see the negative side of youth sports, believing young athletes develop aggressive traits such as bullying and the need to dominate their opponents not just on but off the field as well. Youth sports have become far too intense, especially in contact sports. It is true that participation in youth athletics has a number of benefits such as the building self-confidenceRead MoreSports Programs For Children And Young Adults1558 Words   |  7 Pagesin many contact sports. An example of a traumatic brain injury is a concussion. These are very serious injuries, killing over 50,000 people per year. Contact sports have a great contribution to this number, which causes people to inquire: Are contact sports programs for children and teenagers too intense? A bunch of people think they are too intense because of the injuries, deaths, and emotions that they sometimes cause. But some people think that the sports are not too intense because they keepRead MoreSports Violence Must Be Abolished963 Words   |  4 Pagesthese sports. I am indeed referring to the intense physicality that all three of these sports strongly value. As a devoted hockey fan, I am a witness to a great part of the physicality that takes place. Therefore, I am well aware and understand that physicality is crucial in order to compete in most sports, but we have to draw the line somewhere. When there is primary intent to injure and physically hurt someone this is considered â€Å"violence†. Violence is becoming increasingly prevalent in sports, andRead MorePros and Cons of Organized Sports for Youths1702 Words   |  7 Pages Pros and Cons of Organized Sports for Youths Sports in America are one of the biggest sensations around. They are everywhere you turn and they become a big part of most people’s lives, whether they actually participate in the sport or just watch it on television. Media and television play a huge role in the obsession for sports. Constantly you see a professional athlete on a commercial, and see games on throughout the day. Also sports becomes a business, they sell their jerseys, or picturesRead MoreWhat Does Football Mean?1410 Words   |  6 Pagesmean to you? To many, it means teamwork, competition, strategy, and tensions. Football has been around for many years, but recently, many are becoming aware and concerned about the deadly and life threatening dangers football harbors. There is also controversy in terms of age, and whether or not young children should be exposed to the brutality of the sport, given the high impact injuries. The important characteristics football instructs are tremendously important and valuabl e, although, consideringRead MoreWhy Coaches Should Be A Champion Coach1709 Words   |  7 Pagesin every sport, whether someone is playing football or even chess team. Each coach own his/her own special style of coaching intrigued me. I pondered about how each coaching style can affect the player’s performances, and how player’s personalities can connect better with some coaches than others. Some coaches even venture to cross over and coach multiple sports, propelling themselves into an entirely different atmosphere, where they must adjust their coaching specifically to the sport. I reallyRead MoreHow Basketball Has Changed Over The Years Essay1128 Words   |  5 Pagesmillion people play basketball in America and it is one of fastest growing sports in the world (Lynn). It is an exciting and a very intense sport to play and watch. Most people, however, do not know how or when it was created. The purpose of this paper is to inform people about when basketball was created, how much it has changed over the years, and to talk about some of the most influential players who ever played this amazing sport. In 1891, James Naismith was a gym teacher at the local YMCA in SpringfieldRead MoreThe Role Of Parental Role Models On Youth Athletic Participation1842 Words   |  8 PagesThis paper examines the prevalence of aggression in youth sports the impact of parental role models on youth athletic participation, which can often lead to early burnouts in sports; and whether sports draw out the children’s aggressive nature. In America alone there are 30-35 million children of the ages 5-18 participating in organized youth sports in America. (Fiore, 2003) Sports may give youth positive experiences, but may also cause stress, which may result in unneeded amounts of stress. YoungRead MoreA Correlation Between Stress And Adolescent Suicide1187 Words   |  5 Pagesthey don’t know how to have fun. Adolescents should be enjoying their youth, doing the things that teenagers do, but in today’s society, even those things that should be fun and enjoyable are stressful. In my opin ion, adolescents sometimes take on the pressures and expectations of others which can become overwhelming, often leading to suicidal ideations and behaviors. For example, adolescents could feel a ton of pressure in sports with the need to perform at their best to the expectations of theirRead MoreVideo Game : Violent Video Games927 Words   |  4 Pagesanimals for sport with huge number of people as an audience. Today the video game industry has found a way to bring that same violent killing times ten, straight to your living room TV. Tons of people play violent games both adults and children, but which are more effected by the violence and should stricter guide lines be set in making violent games. Violent video games for adults are rated adult, â€Å"content suitable only for adults ages 18 and up. May include prolonged scenes of intense violence,