Tuesday, December 31, 2019
Synthesis Reaction Definition and Examples
A synthesis reaction or direct combination reaction is one of the most common types of chemical reaction. In a synthesis reaction, two or more chemical species combine to form a more complex product: A B ââ â AB. In this form, a synthesis reaction is easy to recognize because you have more reactants than products. Two or more reactants combine to make one larger compound. One way to think of synthesis reactions is that they are the reverse of a decomposition reaction. Synthesis Reaction Examples In the simplest synthesis reactions, two elements combine to form a binary compound (a compound made of two elements). The combination of iron and sulfur to form iron (II) sulfide is an example of a synthesis reaction: 8 Fe S8 ââ â 8 FeS Another example of a synthesis reaction is the formation of potassium chloride from potassium and chlorine gas: 2K(s) Cl2(g) ââ â 2KCl(s) As in these reactions, its common for a metal to react with a nonmetal. One typical nonmetal is oxygen, as in the everyday synthesis reaction of rust formation: 4 Fe (s) 3 O2 (g) ââ â 2 Fe2O3 (s) Direct combination reactions arent always just simple elements reacting to form compounds: Another everyday synthesis reaction, for example, is the reaction that forms hydrogen sulfate, a component of acid rain. Here, the sulfur oxide compound reacts with water to form a single product: SO3 (g) H2O (l) ââ â H2SO4 (aq) Multiple Products So far, the reactions you have seen have only one product molecule on the right-hand side of the chemical equation. Lets take a look at more complex reactions with multiple products. For example, the overall equation for photosynthesis: CO2 H2O ââ â C6H12O6 O2 The glucose molecule is more complex than either carbon dioxide or water. Remember, the key to identifying a synthesis or direct combination reaction is to recognize two or more reactants form a more complex product molecule. Predictable Products Certain synthesis reactions form predictable products. For example: Combining two pure elements will form a binary compound.A metallic oxide and carbon dioxide will form a carbonate.Binary salts combined with oxygen form a chlorate.
Monday, December 23, 2019
The Dining Room Was Absolutely Silent - 1115 Words
The dining room was absolutely silent, only the sounds of chewing and silverware clatter were audible. The tension was thick enough to run a knife through, it made no sense why it had gotten this bad. The mother of the family, Else, sat in the right end of the table, her husband, Carter, in the other end. Their five children sat in the sides of the table. The smallest of the five, Evelyn, who is eleven years old, sat closest to her mother. Next to her was her older brother, Lester, who is 15. Closest to dad was one of the twins, Isaac, who is 13. Across were the final siblings, Louis, the oldest of the five, and the remaining twin, Isaiah. Their dog sat a few meters away from them, waiting anxiously for his share of food. Evelyn thought nothing of the whole silence thing, it was frequent at dinner time, especially after his bigger brother had a secret to share with their parents. She didn t know what it was, but she guessed it was bad. The twins had a better idea of what might have upset their parents and the oldest brothers a lot. They remember Lester bringing a boy one particular night, and let s just say, it ended in a frightful scream and a big fight between the older boys and their parents. The three siblings shared a few looks, they were all clueless of what was stirring with the elders. Ever so often, the three would get occasional looks from the older boys, but never their parents. Their parents just looked at each other and at Lester and Louis. Their dad finallyShow MoreRelatedShip Narrative Essay1302 Words à |à 6 PagesA wide smile was spread across my face as I advanced towards the ship filled with excitement, my family loosely trailing behind. I felt that there was not a moment to waste . Of course, I had to wait for my family to catch up and so I waited, but that only halted me for a second. Apparently taking pictures on the walkway was not permitted. When I took some, the ship staff told me to put away my camera. Guess what? I still took some pictures anyway because why not? When we reached the final securityRead MorePersuasive Speech - Original Writing1184 Words à |à 5 Pagesjust got an earful for going into the forest. All I got was a stare from my dad. My dad didnââ¬â¢t think words would change my decisions at this point so he just stood there. He was far away from me, but his shadow stretched over me and his glare was like the sun itself. He would not let me move because that was my punishment and my dad was strict in that way. If he had just yelled at me or grounded me that would have been easier, but this was torture and I could not stand the long silence. So I askedRead MorePersuasive Essay On Bullying1352 Words à |à 6 PagesFalls, I met many new people, however, I was shocked at how mean and catty the girls were. I grew up in a small school, and while everyone can be mean at times, our entire grade is very loving and kind to one another. At the hospital, one of the girls had gotten in a car accident, and had bleeding in her brain. Yet, she made fun of another girl for talking about a small accident she had been in years before. There was another girl who had a broken leg. She was only there for one day, but managed toRead MoreAnalysis Of The Book The Night 2564 Words à |à 11 Pagesa few moments, I stared at the monster and started to kind of choke up, thinking about all we had gone through to capture him. I was still lost in thought when Emma skipped down the stairs, smiling at me. She took a few steps, then screeched loud enough to vibrate the cobwebs that were stretched across the corners of the room. ââ¬Å"Eeew, yuck.â⬠She pointed to Gordok who was still in a stupor. ââ¬Å"That monster stinks like rotten fish. Wow! Iââ¬â¢ll talk to you later,â⬠she said and marched out of the dungeon andRead MoreA Summary On The Day Of Milan1828 Words à |à 8 PagesHigh School Here I was, asleep on the plane dreaming of my time in Italy, a place that once used to be apart of my imagination. I dreamt of Milan and the fashion trends that Iââ¬â¢ll never quite understand, of Venice and the anxiety-filled gondola ride through the cityââ¬â¢s canals, of Florence and the hike up the Pre-Apennine Mountains, and of Rome with its historical sites that most will only see in textbooks. Walking through the airport to the bus, I could already tell that Milan was a place that mostRead MoreLosing Bethany Essay3308 Words à |à 14 Pageswrinkly - even when I start to forget things and misplace my things - I will always love you,â⬠Bethany whispers into Anthonyââ¬â¢s ears. Anthony turns to face Bethany. It has always amazes Anthony how he had managed to find a girl like her. She is absolutely beautiful to him. Her blonde hair spilling in golden waves over her shoulders, reaching just slightly above her waist. Her natural pink lips always curling into a smile. Her hazel eyes sparkling with joy each time she talks to him animatedly. Read MoreWealth Inequality in the Bible3308 Words à |à 14 Pages(Cite) Turchin also analyzes economic inequality within the United States over the past 200 years. Within the time frame of the 1800s to the 1920s, economic inequality ââ¬Å"increased more than a hundredfold.â⬠Then from this point until the 1980s there was a period known as the ââ¬Å"Great Compressionâ⬠where economic equality grew. Over the past 40 years the trend has turned back towards inequality, and we find ourselves reentering an elitist, discriminatory system. Using historical economic patterns, theRead MoreThe Ballad of the Sad Cafe46714 Words à |à 187 PagesThe Ballad of the Sad Cafà © and Other Stories by Carson McCullers Back Cover: When she was only twenty-three her first novel, The Heart Is A Lonely Hunter, created a literary sensation. She is very special, one of America s superlative writers who conjures up a vision of existence as terrible as it is real, who takes us on shattering voyages into the depths of the spiritual isolation that underlies the human condition. A grotesque human triangle in a primitive Southern town. . . A youngRead MoreBook My life is a confusing mess. I could start with my childhood Or even some other random3200 Words à |à 13 Pagesone reading this book will even begin to care about, but I wont. Instead Ill start with the beginning of 7th grade. To be specific the few weeks leading up to seventh grade. Registration. It was hot and miserable and I needed to learn what shaving was. But honestly I wasnt all that concerned. I was being forced to help with registering all the students at Mt. Robles Jr. High. Fuck me. A. I didnt want to spend the last few sweet days of my summer looking at the pathetic faces of my fellowRead More Martin Luther King Jr and His Opposition to the Vietnam War Essay3465 Words à |à 14 PagesMartin Luther King Jr and His Opposition to the Vietnam War The American public knew about Martin Luther King long before they had ever heard about the war in Vietnam. King was associated with the war in Vietnam only after accomplishing his finest civil rights works, and after US involvement in Vietnam was already nine years old. They met in 1965, and battled each other until Kings death in 1968. By 1965 King saw a federal voter rights bill passed for minorities, had national financial support
Saturday, December 14, 2019
UOB Bank Advertisement Free Essays
string(78) " endearing philosophy of this female-only product, ââ¬Å"The Men Donââ¬â¢t Get It\." UOB Ladyââ¬â¢s Card -ââ¬Å"The men donââ¬â¢t get itâ⬠1. 0 Introduction of the Company United Overseas Bank Limited (UOB) is a leading bank in Asia. It provides a wide range of financial services through its global network of over 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America, including banking subsidiaries in Singapore, Malaysia, Indonesia, Thailand and mainland China. We will write a custom essay sample on UOB Bank Advertisement or any similar topic only for you Order Now UOB (Malaysia) offers an extensive range of commercial and personal financial services through its branches, subsidiaries and associate companies: commercial lending, investment banking, treasury services, trade services, cash management, home loans, credit cards, wealth management, general insurance and life assurance. UOB also plays an active role in the community, focusing on children, education and the arts. UOB has been established the annual UOB Heartbeat Run to raise funds for charity. Today, UOB is rated among the worldââ¬â¢s top banks by Moodyââ¬â¢s Investors Service, receiving B for financial strength, and AA1 and Prime-1 for long-term and short-term bank deposits respectively. UOB is proud to be the first to unveil the revamped UOB Ladyââ¬â¢s Card in Malaysia. Besides sporting a new card face, the purpose of the advertisement shows that UOB Ladyââ¬â¢s Card is staying relevant to the needs of modern women with new features. It is the first in the market to develop a mobile phone application, ââ¬Å"Ladyââ¬â¢s Soulmateâ⬠dedicated to ladies, which helps card members access privileges through Google maps and a directional guide based on AR technology. Consumers can download the Ladyââ¬â¢s Soulmate application from the Android Marketplace to compatible mobile phones. It will also be progressively made available on Apple App Store, Ovi Store by Nokia and Blackberry App World. The ad clearly show that the UOB Ladyââ¬â¢s Soulmate application marks a new era for the UOB Ladyââ¬â¢s Card, as it remains in touch with the progress of women nd technology. The advertisement does show its effectiveness as the card was already available in Singapore, Malaysia and Thailand, has a current membership of over 500,000. The advertisement expected to attract more than 500,000 new lady users. The company claims that the UOB Ladyââ¬â¢s Card is targeted to more than double by 2014, driving the continued grow th of the bankââ¬â¢s card business in the region. 2. 0 Discussion of the Advertisement 2. 1 Target Market The revamped UOB Ladyââ¬â¢s Card placed a strong emphasis on health, beauty, fashion, connectivity and discovery. This make over of the UOB Ladyââ¬â¢s Card is timely as a group same gender consumers seek to strengthen the brand promised to valued card members. The ad targets young adult women, and they will buy products not only for them but to show their financial health in their lives. We acknowledge that todayââ¬â¢s women are more independent financially, assertive in their choices, mobile and technology savvy to stay ââ¬Å"connectedâ⬠. The reason for the advertiser to choose this market segment is because female young adults may look for the requirement as stated before. 3. 0 Advertisement Source The ad focuses on two trendy ladyââ¬â¢s high profile, smiling with full of satisfaction, public may easily attract by them who emotionally aroused. The two ladies show in an appropriate way to market the companyââ¬â¢s credit card as they are looking relax and rejoice, their face expression and body language prompt the desire of women to obtain the credit card. It also shows that they are able to keep constant contact with privileges and deals via smartphone, the women looked grateful to get the information from their mobiles. Technology on tap is but one of the many benefits available to Ladyââ¬â¢s Card members. The new UOB Ladyââ¬â¢s Card proposition centres around providing a total financial and lifestyle solution which complements the modern woman who is constantly on the move from connectivity, discovery, fashion and money matters. 3. 1 Visual and Verbal Content Basically the kind of visual image used in ad is photographs. There is a few images show in different ways. The rectangular picture with blank background is composite ââ¬Å"paste-upâ⬠of several images from various sources used, whereas the whole image of two ladies adopts ââ¬Å"superimposedâ⬠over each other. The others small images place near to the related information. The roses for both types of credit cards seem to stand for women product. The corporate logos included in the design of credit card, the consumer already familiar with the logo. The car and branded stuffs symbolize exclusivity or luxury, visually depicted the financial strength for the group of target market they can have. From the ad, we can see that two young women wearing high heels with an eye catching smile. The clothes and adornments they are wearing look striking as they walk in confidence, simply related to self egoism. It seems like two best friends sharing the same privileges and deals from the credit card. The image shows their legs walk together depicted they shopping together, which also shows young women concern about social need. Many women become more financially independent and career orientated. The body language of the models in the ad seem like they donââ¬â¢t have financial worry. Although there are often claims of gender bias and the results have showed that women in general will have a much more impulsive buying behavior than that of their male counterpart. Through this natural disposition it will often hinder them from being able to ever becoming an efficient money saver. Thus, those offer deals in the ad may attract their attention. 3. 2 Semiotic Analysis It has bold print stating ââ¬Å"If we had our way, it would be Wednesday everydayâ⬠and smaller print that promotes the offers of the credit card and targets women to purchase the related product and service especially on Wednesday. The ad is implying that women in society now can take care of their financial, yet still targets them to purchase more by using the credit card. At the core of the UOB Ladyââ¬â¢s Card popularity is the endearing philosophy of this female-only product, ââ¬Å"The Men Donââ¬â¢t Get It. You read "UOB Bank Advertisement" in category "Papers" More than just a signature tagline, it is an acknowledgement of the financial strength and independence of women, and the freedom of choice that is available to them. Now, underpinned by technology and refreshed with a host of new privileges, the company seemed like confident that the Ladyââ¬â¢s Card will continue to be pr eferred, extending their leadership in the female space, I would find this advertisement particularly interesting because it is promoting friendship, financial solidity, health and beauty standards in our society, womenââ¬â¢s roles as consumers which afford to pay and the graphics of the ad focuses on. It is promoting credit card that only for female, which have previously been viewed as womenââ¬â¢s products and it will also influences women to buy these products on menââ¬â¢s behalf. The two models are wearing striking outfits and expensive adornments. This influence perpetuates the sociological role of women in society as financial takers, as well as encouraging them being active in caring about their appearance and their need to use health and beauty products. This ad clearly promotes the credit card which special designed only for female, thatââ¬â¢s why the word stated there the men donââ¬â¢t get itâ⬠. The roses symbolized that the only attention of the company focus on the specific needs of women. They have taken a 360-degree approach in the Ladyââ¬â¢s Card makeover, leveraging our insights into women over the years and research around the region. 3. 3 Layout and Design The headline shows in an appropriate way to has three-quarters up the page or advertisement space. The advertiser position headline statement where it can be seen quickest, this can make sure the reader generally know what is all about. They avoid putting headlines at the very top of the space because the readerââ¬â¢s eye is naturally drawn to between two-thirds and three-quarters up the page or space, which is where the main benefit statement needs to be. The advertisement involves the reader in writing style of using the second and third person-ââ¬Ëyouââ¬â¢ and ââ¬Ësheââ¬â¢. Refer to the reader as ââ¬Ëyouââ¬â¢ and ââ¬Ësheââ¬â¢ in the description of the ad does for the customer to get them visualizing their own personal involvement. The advertiser describes the service as it affects them in a way that they will easily relate to it. This advertising can be defined as using ââ¬Å"coolâ⬠tones. It is often referred to as a ââ¬ËBlack Artââ¬â¢, because it is mysterious but cheerful. 4. 0 Publication The advertiser has chosen the two most common print media are newspapers and magazines. Print media is important because it can reach such a large audience, and the great number of specialized publications enables businesses to focus in on a target audience with a specific set of characteristics. The advertiser picks the right time as the Malaysia Mega Sales start from July until September 2010. The consumers can use their Ladyââ¬â¢s Card for exclusive privileges. NEWSPAPERS When deciding upon a newspaper in which to advertise, there are three physical criteria to consider: distribution, size, and audience. Newspapers are either daily or weekly, come in a standard or tabloid size, and reach nearly all of the reading public, which is estimated to be around 85-90 percent of the population. Because of the broad demographic reach of most newspapers it is difficult to target a specific audience; however, newspapers are effective in increasing awareness of a businessââ¬â¢ products and services in a specific geographical area. Types of ads placed in newspapers include: display ads, classified ads, public notes, and preprinted inserts. Newspaper ads have some flexibility in their size. For instance, the UOB ad only takes up half portion of a page, while others might span one or two full pages. Regardless of this flexibility, newspaper ads can only use limited special effects, such as font size and color. These limitations lead to advertising ââ¬Å"clutterâ⬠in newspapers because all the ads look very similar. Therefore, advertisers must use original copy and headings to differentiate their ads from their competitors. This is why the advertiser show theirl exclusive shopping, dining and beauty privileges, and the latest technology, a mobile phone application called ââ¬Å"Ladyââ¬â¢s Soulmateâ⬠. MAGAZINES With magazines an advertiser can focus in on a specific target audience. Audiences can be reached by placing ads in magazines which have well-defined geographic, demographic, or lifestyle focus. The advertiser has placing the ad in the localized edition of a national magazine. In addition to the above factors, it is also important to consider the nature of the magazine ad copy. Magazines allow elaborate graphics and colors, which give advertisers more creative options than do newspapers. Also, recent surveys have indicated that informative ads are the most persuasive. Therefore, it is important to include copy and art work that is direct and presents important product information to the consumer, such as how the product works, how it benefits the consumer, and where it can be purchased. Besides The Star, it also can be found in female magazine such as New Tide, July 2010. Those magazines are targeted towards young adult women interested in beauty, fashion and relationships. This advertisement is promoting both UOB Ladyââ¬â¢s Classic and UOB Ladyââ¬â¢s Platinum cards for women. 5. 0 Hierarchy Model Response The AIDA Model Attention The feature followed by ad agencies is AIDA, which acronym stands for Attention, Interest, Desire and Action. The first A equals getting the attention of the readers. The ad in the form of a headline-ââ¬Å"Wednesday every dayââ¬â¢Ã¢â¬â¢ has grab the attention as it perks the curiosity of readers. The images of the credit cards with the symbol pertain to the company introductory paragraph. The advertiser gets the attention of consumer immediately by using the Wednesday special offer deals; therefore readers will read the rest of the articles. The advertiser is generating an emotion, women walking in confidence with big smile and setting up a situation. UOB (Malaysia) became the first foreign bank to recognize the affluent female segment in Malaysia when it launched the UOB Ladyââ¬â¢s Card. The ad plays with fear and greed for a moment. These two emotions combined as a key because almost every women would be Interested and has a certain amount of greed (possess everything that they want) and also has fear (questioning what if they missed the chance to get all the great offer deals). The advertiser didnââ¬â¢t use the headline to play the biggest benefit. They choose to appear that not only true but also in an exclusive way. The ad plays on emotions in their headline; the two models address happiness and satisfaction, pump up their egos or show the luxury and branded items. The advertiser chooses the middle part to present the benefits in aspect of the credit card service. The readers may pay more attention on the ââ¬Å"FREEâ⬠word which showed in the subhead lines. Interest After the advertiser got the consumerââ¬â¢s attention, they focus on building their interest and supporting what the ad told them thus far. The advertiser makes the reader really want the card but have to start a twinge of reality. Consumers may compare the benefits they offered with the competitors. The newly developed mobile application-ââ¬Å"UOB Ladyââ¬â¢s Soulmate Appâ⬠based on AR technology, female young adults which consider as tech-savvy group may show their interest in the ads. Another way is that the advertiser building interest to include sub headlines throughout the copy. The readers will be more interest when there are a lot of offers with the ââ¬Å"Cash Backâ⬠or ââ¬ËFREEâ⬠words on the sub headlines. Next, the reader embarks on the ever-challenging task of justifying her purchase; especially she wants to do a large purchase. In consumerââ¬â¢s interest section, the ad uses emotion to address the fact that this purchase is a good bargain, the right step, a sound decision, etc. In addition to that, the advertiser let the customer know what will happen if consumer purchase their service. This can be found in ââ¬Å"With it in the bag, every lady gets what she wants, when she wants itâ⬠. Depending on this ad, the negative result might be the fact that she misses all those grand offers from the product service. She will have to struggle to get all the same stuffs but in more expensive price or other consequences without the credit card. ââ¬Å"If we had our way, it would be Wednesday every dayââ¬â¢Ã¢â¬â¢, implies that the consumers can enjoy spending every Wednesday. The goal here is to create a few statements that will cause the customer to say, Oh! I didnââ¬â¢t think of that. Desire The third step in AIDA indicates the desire to buy. This section is really turns on the charm. The ad is written to tug on the heartstrings in order to create that final desire to buy. Perhaps the biggest benefit of the ad is they can get ââ¬Å"FREE Coach Bags Accessories Every Dayâ⬠. By using the ââ¬Å"UOB Ladyââ¬â¢s Soulmate Appâ⬠, the interactive application is able to display the latest deals and offers within a 2km range of the card memberââ¬â¢s location and also contains a personal assistant feature to help connect members with people who are important to them. Customers will have all the information they need right at their fingertips. The advertisement turns deep down inside their consumer to have two desires. The first is the desire to use the convenience of connection that not just technology. The second is the desire to obtain more things and the most common reason is to get a free branded items. The 2010 Malaysia Mega Sale Carnival sweeps the nation up in a frenzied shopping fervor! This is the best time to pump them up and get them excited about the credit card service. They have not yet come to the justification stage where price might play a factor. While always, from the aspect of desire, the ad portrays the best and biggest benefits their customers will receive. It speaks to the joys of being able to relax and run an errand in the whole range of bargains of, the sub headlines of the article indicates that the customer can experience from restaurants, spas, facial service while doing their shopping of the day. Action The final A in AIDA stands for action. During the action phase of convincing, the ad gives them enough motivational cause to take action and buy. At the moment get to this point, the customers should have all the information they need. The company as the seller will have walked them through each step of the buying process and emotional journey to the point of purchase. A few ways to create action with the copy are: ââ¬Å"Apply now and get 20 entries for your first minimum RM50 swipe within 30 days from your new card approvalâ⬠, ââ¬Å"the more you swipe, the better your chances! â⬠The advertisement motivate the readers look forward to get better deals on that special day, which can be found in ââ¬Å"Wednesday are simply wonderful when you have the new UOB Ladyââ¬â¢s Card. â⬠The point of the action phase is to get the readers moving. The advertisement ade them drool with the exclusive deals, answered all their questions via Dedicated Customer Service Line, filled them with benefit and the company donââ¬â¢t want to lose them at the end. 6. 0 Overall Opinion In personal view, the main message of this advertisement is prominent. The biggest part of the advert is the main benefit statement. This is the part that entices the reader to read on. The ad offers a single impressive benefit, quickly and simply. Research proves that where responses are required, the best adverts are those which offer an impressive, relevant benefit to the reader. This point cannot be stressed enough; the advertiser keep it quick, simple and to the point. More information has stated bottom of the ad, reader who wants to know more detail can read through there. Younger generations are extremely visually literate. The advertiser had thought about the vocabulary and language to use and clearly know their target audience. The ad has avoided any words or grammar that would not be found in the newspaper that the target group would read. Therefore message can be read in quick and easy to absorb. The ad has use a clear layout, clear fonts and clear language. They donââ¬â¢t distract the reader from the text by overlaying images or using fancy fonts. They use simple language, avoid complicated words, and keep enough space around the text to attract attention to it. The advertiser also avoids cluttering the advert with fancy images, colours and backgrounds, which make it easy to read. The advertisement has incorporated something new. The Consumers can download the Ladyââ¬â¢s Soulmate application to compatible mobile phones. The ad clearly show that the UOB Ladyââ¬â¢s Soulmate application marks a new era for the UOB Ladyââ¬â¢s Card, as it remains in touch with the progress of women and technology. Consumers respond better and are more easily attracted initially to a concept that is new or original. If theyââ¬â¢ve heard or seen it all before it will be no surprise that they take no notice at all. The advertisement induces reader to believe thereââ¬â¢s something in it for them right from the start. The advertiser has developed a proposition that is special or unique and emphasizes this. The revamped UOB Ladyââ¬â¢s Card also comes with a new card face for both UOB Ladyââ¬â¢s Classic and UOB Ladyââ¬â¢s Platinum cards. UOB Malaysia is the first foreign bank to recognize the affluent female segment in Malaysia when it launched the new UOB Ladyââ¬â¢s Card. The ad also states that they provide Wallet Guard coverage and Purchase Protection Plan for the purchases which make their service special. The Advertising Standards Authority or equivalent would prevent the advertiser from making overly extravagant claims anyway, but they still attempt to make their offer seem perfectly credible. 7. 0 Recommendations From the advertisement, the readers might feel the card only available in exclusive world as the car stands for luxury. Not all but some of the readers might feel that the exclusivity rewards, and special treatment reserved for a special few, not for them. The website or service line should explain further to those customers that misleading by the pictures. They can emphasize on the protection plan to place themselves a credible image. The words-â⬠The men donââ¬â¢t get itâ⬠didnââ¬â¢t stated clearly that whether the male readers can apply this credit card for the lady. For male readers, they may think they can use this card without the offers which women interested at. The conditions should write clear, not that small which stated in the advertisement. I am not sure that buying branded items necessarily causes happiness to a woman. But many of them tend to believe the advertising; they may feel a let-down when their existing card does not bring the desired partner or other increase in status. When they have such expectation, buying a branded item would be necessarily, make them feel happy. More insidious is the indirect effect, namely that they have to work hard and go into debt to buy all this stuff. That, in my opinion, the debt hidden behind is what makes people unhappy. The company should come out a proper financial plan and clarify to the consumer before the consumer purchase their services. How to cite UOB Bank Advertisement, Papers
Friday, December 6, 2019
Sin Taxes Essay Example For Students
Sin Taxes Essay The squeeze is on. Demand for government to decrease its reliance on sales, property, and income taxes as sources of revenue is continuing to rise, leaving policy makers scrambling for new, less painful sources of revenue. Also going up are the costs of providing public services, entitlement programs, and conducting the other various functions of government. This upward spiral requires that they simultaneously look for better, cheaper, and more effective spending strategies. It is no wonder that policy makers are starting to feel the pinch. To make things all the more uncertain, we are facing a federal debt that seems to swell exponentially on a daily basis and a national economy with the moodiness and sensitivity of a manic-depressive. All in all, it is a situation that demands a whole new degree of creativity from all levels of government. This cathartic hour in the fiscal evolution of our nation has pressured out a myriad of new and unorthodox strategies for spending cuts and new sources of revenue. One group of these new strategies, termed sin taxes, (so called because they are directly associated with what is traditionally considered the seedier side of American life), are gaining widespread popular support and are being considered a silver lining without the dark clouds by some in the federal government and by many financially strapped state legislatures. Sin taxes are really two different types of revenue strategies with two different outlooks, combined under one name. The first of the two categories is government sponsored lotteries and legalized gambling. The second category is excise taxes. The two differ in that legalized gambling tends to be an encouraged vice, an attitude fostered by the states hope of improving revenues.On the other side, excise taxes are often levied on products considered socially unvirtuous, products like alcohol and tobacco. In these cases they are used as a deterrent in order to discourage the use of the products they are applied to. Lotteries and GamblingLotteries and gambling are not really new concepts in the search for sources of revenue. The first Continental Congress made the use of lotteries to help finance the Revolutionary War. You could say that, in more than one way, we all owe our freedom to mans willingness to take a gamble. Benjamin Franklin, George Washington, and Thomas Jefferson all ran their own private lotteries. There was a time, however, not too long ago, when gambling was held in notorious regard by the general public. In fact, gambling houses were considered only slightly above opium dens in their insidiousness. Gambling was made out to be a hideous social monster that stole bread from the mouths of children, made families destitute, and put people out of their homes. At various times in our history gambling has created, in the minds of decent citizens at least, visions of the illicit. Images of slick, smooth talking professional cheats beguiling the public. In 1955,baseball commissioner F ord Frick considered wagering so corrupt he prohibited major leaguers from overnighting in Los Vegas.In the last decade or so, however, viewpoints have changed dramatically. Public perspective on gambling has turned almost one hundred and eighty degrees. A recent survey conducted by Harrahs, a casino company, found that fifty-one percent of American adults believe casino entertainment is acceptable for anyone. Another thirty-five percent say its acceptable for others, but not for me.'This drastic change of attitude may seem surprising at first but that surprise quickly fades once you realize what American societies moral indignation has been up against. An increasingly bleak outlook in finding and maintaining employment and a growing uncertainty in maintaining financial security teamed with an aggressive marketing and public opinion campaign launched by casino interests, state governments, and Indian reservations has almost certainly had a hand in eroding anti-gambling zeal. State a nd city governments further untarnished gamblings image by imprinting the funds they created for special programs like education and seniors funds to make it more agreeable to constituents. Other things, such as the many churches that use bingo as a way to raise funds, have contributed as well. The change of casinos from family run businesses to the tidy glow of corporate ownership has rinsed away the stain
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