Throughout This Essay, I Am Going To Investigate Using

Throughout This Essay, I Am Going To Investigate Using
Throughout this essay, I am going to investigate using various references and ABS journals, what
exactly is the role of a line manager in Human Resource Management. Mangers in any type of
business are so vital as they control what happens in the background, whether it being with fellow
employees or their head of office. They also meet the needs of many consumers, mangers are often
seen as important when consumers may have a problem, whether it being in retail , manger will be
on the floor, or by contacting either over the phone or e–mail etc. No place can run without a
manger, you need someone to be able to direct and influence employees so that the business or
organization's goals are met and achieve to the highest standard. ... Show more content on
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(2) The second role/ responsibility of a line manager is managing the business's finances and use of
their resources. The line manager should be able to use the resources available to them within their
control to achieve their goals and objectives. Employee engagement is another thing a line manager
is engaged with. A line manager in charge of taking charge and supervising the employees in the
business. They are in charge of creating an organisation culture for teams within the business among
employees. The line manager can decide to focus on all the employees strengths and encourage
them to take action and communicate with each other. It's a good idea for the line manager to focus
on the positive and not the negative, if a line manager was to only focus on the negative, will then
knock confidence in any employees and shy them away from making suggestions or
communicating. Although Performance appraisal is designed by particular HR individuals, they are
implemented by the line managers who are in contact with the employees. In a performance
appraisal, employees performance and behaviours are accessed and then rated by these direct line
managers in the business. When feedback is given, it must be implemented in the correct manner in
order for it to be anyway effective. If the line managers were to show any disinterest the
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Body Soap Case
VDB REPORT
Cleanse
Body Soap
Assessment Item 3
BSB115 – Management
Word Count – 1412
Table of Contents Introduction 3 Problem Defined 3 Problem Analysis 4 Leading 4 Controlling 5
Environmental Factors 5 Conclusion 6 Recommendations 6 Bibliography 7
Introduction
Cleanse is an Australian body soap company who produce and wholesale their products out to
supermarket chains such as Woolworths and Coles. The company has been operating for over 3
years and has established a head office in Brisbane and Sydney with over 200 employees in its
Australian operations. In addition to its Australian operations, Cleanse also has a branch in Delhi,
India where they produce the same product and wholesale Cleanse products ... Show more content
on Helpwriting.net ...
It is easy to think communicating is simple; however it is usually quite complicated and very easy to
send the wrong message. The two elements in every communication situation are the sender and the
receiver. The sender conveys the idea and the receiver interprets it and usually gives the sender
feedback. Feedback is a powerful tool to communication effectiveness, because it enables the sender
to determine whether or not the receiver correctly interpreted the message. Likewise in this case line
managers haven't been able to express themselves and therefore there hasn't been any feedback
conveyed with the General Manager. A possible cause for this problem is that majority of line
managers employed in India are recent university graduates (World Business Culture, 2012). Now
this is not the problem, the problem is the lack of experience held by these employees compared to
the experience of general managers. And with the way businesses are run in India it is usually a case
of the person with the most experience in the business gets to have the final say (Chakravarty,
2013).
Controlling
The second aspect of management used to investigate the issue is Controlling. Control is a concern
that is facing every manager in every organisation today. Many businesses continually look to

improve relationships between all levels of staff in order for a healthy working environment. To
effectively control a business the organisation requires information about

County Tax Return
RV–R0012301 Tennessee Department of Revenue County Business Tax Return
Use RV–R0012301 Tennessee Department of Revenue County Business Tax Return form for filing
the county tax returns. Please complete Schedule A, Deductions from Gross Sales duly and file
along with RV–R0012301 form at the Tennessee Department of Revenue, Nashville, Tennessee.
Your payment check should be payable to Tennessee Department of Revenue. Please provide all
particulars accurately and avoid strikeouts or omissions. You need to enter values and descriptions
along with selection of options by marking right boxes. You may choose to prepare this form with
the help of a professional preparer. Do not enter any details in the space reserved for office use.
Steps to Prepare RV–R0012301 Tennessee Department of Revenue County Business Tax Return ...
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Enter your name and address for receiving returns. Then select if this is an amended return and or
you are filing this return for closed business by marking the boxes on the right when applicable.
Select your business type and business tax jurisdiction on the succeeding lines.
Please enter amounts rounded to the nearest dollar in the following portions of V–R0012301
Tennessee Department of Revenue County Business Tax Return.
Enter the amount of Total gross sales without sales tax, and then specify deductions from line 18 of
Schedule A. enter taxable gross sales on line 3. Calculate and enter the business tax as directed on
line 4. Specify value of the personal property tax on line 5.
Calculate and enter total tax due on line 6. Continue by providing credit memo balance and penalty
on line 7 and 8 respectively. Enter interest amount and total amount due on line 9 and 10. You and
preparer if any must date and sign V–R0012301 Tennessee Department of Revenue County
Business Tax Return.
Schedule A – Deductions from Gross

The Importance Of Employee Job Roles For Staff Retention...
Introduction: The agenda of this essay is to discuss the HRM functions which need to be integrated
with each other to achieve the bottom line business objective within Telstra. Telstra downsizes
10,000 jobs between the years 2004–2008. The HRM functions to be discussed are job description,
job analysis against co, compensation and benefits strategy and non – co job roles. Telstra has
planned to downsize the jobs and have initially offered voluntary departure packages and then
involuntary departure package if the internal staff did not volunteer for downsizing. Finally, at the
target was achieved by Telstra and it had saved a lot on the wages. There is analysis of this issue of
downsizing by Telstra and a discussion on what are the strategies used to achieve the goals. There is
a discussion on what is required to achieve future business objectives in internet, broadband,
national broadband, wireless internet, 3G and 4G mobile network system, ipod technology. Job
Description: It is intended in this paragraph to critically analysis how identifying the co job roles for
staff retention and identify the non – co job roles and skills that are redundant for downsizing would
help Telstra in downsizing 10,000 employees. Especially when downsizing it is very important for
the HR person to look into the job roles for the employees and to terminate them as a reason that the
job profile is been redundant and therefore, Telstra has achieved their target of downsizing the
employees of

Business Plan on Line Fashion Sales
Business Plan On Line Fashion Sales Name Class Date Instructor Executive Summary This business
plan concerns the operation of an online fashion accessories trading company that will offer high
end, luxury items. This business is intended to take advantage of the enormous growth opportunities
in the U.S. fashion accessories sector which was valued at $30.29 billion as of 2007
(fashionproducts.com 2010). To penetrate the market, the company intends to operate a lean, but
nimble management structure to handle the key operational areas of marketing, technical/website
administration, and inventory management and delivery scheduling. Furthermore, the organization
will employ the best people with ample experience and competence in the ... Show more content on
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The younger "aspirational" customers are also conscious about their image and reputation among
their friends and peers and hence, would tend to be competitive in terms of their fashion sense and
styles. Products The proposed online fashion accessories venture will position itself as a high value,
superior deliverer of high quality, hard to find fashion accessories. This market positioning strategy
fits right into the target market customers who wish to partake of high quality, luxury fashion
products but at value prices. Specifically, this venture will appeal to the independent female who
wants to develop her own high fashion identity. The brand will provide an array of fashion accessory
products such as mid to high end hand bags, purses, belts, shawls, scarves, ties, handkerchiefs,
suspenders, caps, hats, fashion eyewear, and fashion jewelry (e.g. watches, rings, brooches,
necklaces, earrings, pendants, etc.). The venture will carry a variety of well–known and established
fashion brands and labels, as well emerging or up–and–coming brands not yet found in mainstream
fashion. The proposed fashion accessories venture will embody the best features of the
aforementioned retail websites namely practice of selling only top quality products, numerous
product offerings, and well–designed website. However, what will differentiate the new venture
from the existing

Joseph Shaughnessy, Bsi Constructors, St. Louis
Joseph Shaughnessy, BSI Constructors, St. Louis Any business, large or small, takes someone with a
dream and a passion, exactly what Joseph Shaughnessy had. Starting out after his graduation from
college, and ten yesars of employment, him and his friend Lorry Bannes were already making great
strides, holding executive positions, but they wanted more. They took their desire and created their
own business, setting up their future and achieving their goals. Did they make the right decisions
along the way? Did they have the right balance? And how did Joe use the business to promote his
beliefs? Were the Four Bottom Lines Met? Joe emerged his business by perusing his desire to run a
business on his own. Together Joe and Larry took the risk and began Bannes–Shaughnessy Inc. in
1972 (Katz, 2011). Despite their prior experience and low amount of capital they began with, within
five years they had received their first million dollar contract, proving their existence. From here on
out their firm grew, so did their success, and in turn were helping the community. Joe was
compassionate and his work and business reflected that. Their families were benefiting from their
success as well as their own lives. They were perusing their dreams, and once Joe became the sole
owner, he was able to take the business to the next level. It is as if he was beginning the growth
stage again within his own company, he could now continue on focusing on the expansion and
diversification of his

Business Operations : A Company 's Bottom Line, But The...
One of the cornerstones of corporate, social responsibility in the twenty–first century is developing
and implementing sustainable operations that benefit not only a company's bottom line, but the
environment and local community. As learned in MGMT 326, Sustainable Operations, social
responsibility and acting in an ethical manor is the number one priority of businesses in relation to
their stakeholders. MGMT 326 stressed the importance of considering stakeholders, stakeholders are
anyone who is affected by business operations. This goes beyond just workers and clients, it
involves anyone who comes in contact with the company, most importantly the community.
Carolina Ingredients has made substantial progress in conducting business operations that promote
social responsibility. As learned in MGMT 326, LEED (Leadership in Energy and Environmental
Design) is a distinguished certification given to buildings that demonstrate environmentally friendly
innovation. With Carolina Ingredients becoming the first industrial seasoning manufacture in the
nation to be awarded the building certification they have demonstrated they are taking social
responsibility seriously. According to Doug Meyer–Cuno, the founder and CEO, the company has
realized 5% of the company's net profits from sustainable business practices (qtd. in Guidry &
Peters 48). In addition, Carolina Ingredients has enacted social responsibility by earning numerous
awards and certifications, such as the Certification of Safe

Tax Paper
Form 8829 Department of the Treasury Internal Revenue Service (99) Expenses for Business Use of
Your Home ▶ File only with Schedule C (Form 1040). Use a separate Form 8829 for each home
you used for business during the year. ▶ Information about Form 8829 and its separate instructions
is at www.irs.gov/form8829. Part I 000–22–2222 Part of Your Home Used for Business 1 Area used
regularly and exclusively for business, regularly for daycare, or for storage of inventory or product
samples (see instructions) . . . . . . . . . . . . . . . . 2 Total area of home . . . . . . . . . . . . . . . . . . . . . . . . . 3
Divide line 1 by line 2. Enter the result as a percentage . . . . . . . . . . . . . For daycare ... Show more
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. . . . 9 Deductible mortgage interest (see instructions) 10 4,500 Real estate taxes (see instructions) . .
. . 11 2,500 Add lines 9, 10, and 11 . . . . . . . . 12 7,000 Multiply line 12, column (b) by line 7 . . . .
13 Add line 12, column (a) and line 13 . . . . Subtract line 14 from line 8. If zero or less, enter –
0Excess mortgage interest (see instructions) . 16 Insurance . . . . . . . . . . . . 17 Rent . . . . . . . . . . . . . .
18 Repairs and maintenance . . . . . . . 19 Utilities . . . . . . . . . . . . . 20 2,000 Other expenses (see
instructions). . . . . 21 Add lines 16 through 21 . . . . . . . . 22 2,000 Multiply line 22, column (b) by
line 7 . . . . . . . . . . . 23 500 Carryover of operating expenses from 2011 Form 8829, line 42 . . 24
Add line 22, column (a), line 23, and line 24 . . . . . . . . . . . . . . . . . Allowable operating expenses.
Enter the smaller of line 15 or line 25 . . . . . . . . . Limit on excess casualty losses and depreciation.
Subtract line 26 from line 15 . . . . . Excess casualty losses (see instructions) . . . . . . . . . 28
Depreciation of your home from line 41 below . . . . . . . 29 1,261 Carryover of excess casualty
losses and depreciation from 2011 Form 8829, line 43 30 Add lines 28 through 30 . . . . . . . . . . . . . . .
. . . . . . . . . Allowable excess casualty losses and depreciation. Enter the smaller

Tax Return for Jake Wells Essay
2012 Tax Return and Issues Memo Prepared For:
Jack Wells
Issues and Questions for Jack Wells' 2012 Tax Return
As preparers for Mr. Wells' 2012 Tax Return our team made several assumptions, some of which
would require further input from Mr. Wells. We also ran into some opportunities for tax planning for
Jack. This memo outlines those assumptions, questions, and opportunities. The following is a list of
assumptions broken down by IRS Form or Schedule:
Schedule C
Part I
For Line 1 our group made the assumption that the $2,912,909 amount Jack listed in the client
questionnaire included the $11,616 credit he gave his customers from interest earned on deposits
held in escrow. For Line 6 we determined the interest that he should ... Show more content on
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S.A.L.Y. was utilized.
Form 8949
We know Jack acquired the stock in 2001 as part of an inheritance, but we don't have the exact date
of death of the relative he inherited the stock from. On the form we reported the last day of the year
as this would be the most conservative estimate for the holding period for short–term vs. long–term.
Since 2001 was several years ago this doesn't impact the holding period for the stock. It is long–
term. We also assumed that the stock value was $39.21/share. The price needed would actually be
the closing price on the date of death of Jack's relative.
Form 1040 Schedule A
For lines 6 and 10 of the schedule we determined that deducting 90% of Jack's stated amounts was
appropriate because he already deducted the other 10% on Form 8829. For Line 16 we determined
based on research that the Atlanta Symphony was a for–profit enterprise and as such his contribution
to the organization is not deductable.
Opportunities for Tax Savings and Tax Planning 1) We determined that Jack's contribution to the
Atlanta Symphony was not a deductable contribution on the 1040 because the organization is a for–
profit enterprise. If the Symphony somehow shows that Jack made a contribution on behalf of his
business by putting the business name in flyers, programs, or lists his business as a sponsor of an
event it is possible that Jack could deduct the amount as a business expense. This will require

Triple Bottom Line Essay
Triple Bottom Line
[Name]
[Institution]
Triple Bottom Line
Introduction
A triple bottom line model never merely quantifies an accomplishment or rather the wellbeing of a
company through its conventional monetary bottom line. However, triple bottom line similarly
measures social, ethical as well as environment performance of the company. Triple bottom line
typically is an incessant process that shall assist the company in concentrating into the performance
of a more sustainable business whereas demonstrating to local communities together with
employees of that particular firm that is not merely looking forward on profit making, but similarly
a greater common good for the company operations (Hitchcock and Willard, 2009). TBL is a
sustainable model for business that balances financial success, community participation together
with ecological sustainability. The firm which employs triple bottom line towards capturing the set
significances, processes as well as issues of the company might decrease and determine whichever
harms resulting from company's operations then create economic, social as well as environmental
values of that the company. The model typically outlines that everything is supposed to taken into
account that needs of the company 's shareholders, employees, stakeholders, governments, clients,
business partners, local communities together with the entire public. Reporting through Triple
bottom line (TBL) is currently turning

Hr Value Proposition Essay
Five elements of the HR Value Proposition Knowing external business realities Being in the
business the HR is required to be knowledgeable of external business realities like Economic,
Social, Political and technology. These factors have a huge influence on an organization human
resources and business. For e.g.; inflation vs. remuneration, Skills vs. education system,
demographics vs. outsourcing etc Respondents feel their organization rarely is aware of external
business realities such as technology, economic and regulatory issues and demographics. While the
awareness on demographics and technology is sometimes better compared to knowledge on
economics and regulatory issues. Since 3 organizations have global presence, the knowledge on ...
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For allocating rewards many managers felt that sometimes HR adds value. But there are no clear
process laid for reward system, it's done at the discretion of line managers. In some organization
there is limited scope for rewards system. For feedback mechanism there were mixed reaction, in
some organization there are well established process for feedback while other there still some clarity
lacking in feedback mechanism. Overall the respondents felt it is effective only sometimes. Line
managers also felt that HR needs to define a clear process for feedback and same needs to socialized
across the organization to make it effective. For the Flow of Information managers felt that HR
rarely followed it. More often it is observed that policies and process are known to the lower level
employees in the organization. In some organization it is assumed that all employees responsibility
to be aware of policies and process. In some cases it is observed most of the communication stops at
Line manager level and is not cascaded further. Some organization uses effective communication
channels like newsletter, blogs, weekly journals etc. to send information across employee

E Commerce : A Small On Line Business
INTRODUCTION
How much did U.S. consumers spend on–line in 2014? According to the website Internet Retailers,
consumers spent almost $300 billion in 2014. That was an increase in 15.4% over 2013 sales. 2013
sales totaled close to $265 billion (internetretailer.com). Today technology is business. E–commerce
is big business. In the discussion I will state how e–commerce impacts consumers in many areas.
First, I will define e–commerce. Then, I will discuss the advantages and disadvantage of e–
commerce. Next, I will discuss hosting an e–commerce site for a small on–line business. This paper
will focus on capabilities and costs for creating an e–commerce site. In addition to the capabilities
and the costs the hosting sites, I will examine their tools and offerings. Lastly, this paper will
indicate which choice was made and an explanation of that choice.
E–COMMERCE
Our lives today are touched in every way by electronic commerce. Everything from watching
movies on Netflix, listening to music on Apple Music or Spotify, or purchasing anything from A to
Z on Amazon.com. E–commerce is mentioned daily on the internet. How is E–commerce defined?
According to Laudon and Laudon, it is defined as a business transaction on the Web and Internet.
The business transaction involves the company and the customer in the form of a digital transaction.
This digital transaction occurs through the World Wide Web and the Internet. The transaction
involves the customer paying for

Ecommerce Essay
Introduction In this report I will be explaining to you the benefits and negatives of ecommerce. I
will also be talking about electronic payments and the risk of on–line fraud and what it could mean
for your business. To finish off this report I will be giving my recommendation, but by then I think
you will have already made your mind up whether you want expand your business into the area of
ecommerce or not. In the benefits of ecommerce section I will be explaining to you the potential
benefits that the world of on–line shopping have to offer to you. Then I will explain to you the many
benefits of electronic payments on–line and what that could mean for your business. Then in the
later section I will tell you about the negatives of ... Show more content on Helpwriting.net ...
The cost of the sales for an order from the website will be lower than through shops, as there is no
human interaction during the on–line purchase. From the customers perspective ecommerce offers a
lot of advantages such as better customer decisions and less time is spent in resolving invoice and
order problems. The strategic benefits of making your business ecommerce active is that it helps
reduce labour costs, reduce delivery time and reduce the cost encountered by such things as
overtime, telephone calls, mail preparation and data entry. The operational benefits of setting up
ecommerce for your business would be reducing both the time and personnel needed to carry out the
business processes. All these advantages enable a business to harness the power of ecommerce and
convert their business to ebusiness The Benefits of Electronic Payments Electronic payments can be
beneficial to your business by extending your customer base, boosting cash flow, reducing costs,
enhancing customer service and improving your competitive advantage. Electronic payments give
you choice of a wide range of payment options like for example PayPal which is regarded as one of
the internets leading payment options. They may allow purchases that would otherwise be delayed,
through credit and they also remove the

Porter Five Forces Analysis
Porter five forces analysis From Wikipedia, the free encyclopedia A graphical representation of
Porter's Five Forces Porter five forces analysis is a framework for industry analysis and business
strategy development. It draws upon industrial organization (IO) economics to derive five forces
that determine the competitive intensity and therefore attractiveness of a market. Attractiveness in
this context refers to the overall industry profitability. An "unattractive" industry is one in which the
combination of these five forces acts to drive down overall profitability. A very unattractive industry
would be one approaching "pure competition", in which available profits for all firms are driven to
normal profit. Three of Porter's five ... Show more content on Helpwriting.net ...
Another example is the substitute of traditional phone with VoIP phone. Buyer propensity to
substitute Relative price performance of substitute Buyer switching costs Perceived level of product
differentiation Number of substitute products available in the market Ease of substitution.
Information–based products are more prone to substitution, as online product can easily replace
material product. Substandard product Quality depreciation Bargaining power of customers (buyers)
The bargaining power of customers is also described as the market of outputs: the ability of
customers to put the firm under pressure, which also affects the customer's sensitivity to price
changes. e.g. firm can implement loyalty program to reduce the buyer power. Buyer concentration to
firm concentration ratio Degree of dependency upon existing channels of distribution Bargaining
leverage, particularly in industries with high fixed costs Buyer switching costs relative to firm
switching costs Buyer information availability Force down prices Availability of existing substitute
products Buyer price sensitivity Differential advantage (uniqueness) of industry products RFM
(customer value) Analysis Bargaining power of suppliers The bargaining power of suppliers is also
described as the market of inputs. Suppliers of

The Tensions Between Line Mangers and Human Resources...
Human Resources Management
The Tensions between Line Mangers and Human Resources Practitioners in Modern Organisations
17th January 2012
The Tensions between Line Mangers and Human Resources Practitioners in Modern Organisations
Human resources management is a business department and function that has the strategic approach
to the management of the company's employees. Armstrong (2006, p.3) defines HRM as 'a strategic
and coherent approach to the management of an organisation's most valuable assets – the people
working there who individually and collectively contribute to the achievement of it objectives.' The
HR business function provides an organisation with administrative support regarding the laws and
legislation of ... Show more content on Helpwriting.net ...
With recruitment HR play a very active part in recruiting a new employee for a position within the
company. It is the responsibility of HR to carry out the administration for this. HR will organise
adverting the position, they will, prepare the job description and specification and contracts for the
position, according to Personnel Today Website (2001) 'A total of 30 per cent of respondents said
their HR departments always controlled temporary staff recruitment, 36 per cent revealed HR was
mostly responsible and 20 per cent said that their HR departments were never responsible for
recruitment of temporary staff.' It is believed that HR take control of the recruitment process to save
on costs and make the process more efficient. When applicants have applied for the position HR will
then shortlist for the interviews. Here is where conflict may occur as line manager may feel that they
are having limited control over how employees are being recruited and their requirements from the
employee are not being met, this can subsequently result in a high staff turn over than can be cost
more financially to the business in the long term. However if a line manger and HR are to work
closely together during the recruitment process conflict can be reduced and the needs of the manager
can be met the Personnel Today Website (2001) adds 'It is not a question of cutting out the middle
man – it is more a question of how the HR and line managers

Business Line Model Of Nordstrom
Strength The diverse business line model that Nordstrom applies gives them a competitive edge over
their competitors. Unlike many of their competitors, Nordstrom operates in several retail categories
such as: clothing, furniture, bedding, footwear, beauty products, jewelry, house wear and cafes
(Nordstrom Inc, n.d). Operating in multi retail categories gives consumers an incentive to shop at
their shop, over the competitors because the consumer can satisfy all their specific needs and wants
in one store instead of having to visit several. The divergent product line also broadens Nordstrom 's
target market by offering different products that attract new market segments and reach the different
demographic and purchasing needs of each consumer. Nordstrom's wide product range helped them
to increase their "Total Revenue in the 3 quarter 2014 by 8.88 % year on year, while most of its
competitors have experienced contraction in revenues by –0.17 %" (CSI Market, 2014) . As
Nordstrom continues to constantly add in new products–or line extensions to their product mix, they
can expect to maintain a steady growth and competitive advantage over their competitors.
Nordstrom has quickly become one of The United States' best high–end fashion Specialty retailers.
Among their store expansions and sales growth it is their strategy in targeting two market segments
has placed them in an optimal marketing position. Within the business there is first the Nordstrom
name brand, which sells

An Athletic Apparel And Fashion Business Essay
Finish Line is an athletic footwear and fashion business that serves in the national markets. The
company "has more than 660 stores in 47 states" (Briggs and Swiatek 2016). District of Columbia is
also a market where Finish Line does its business. Out of the 660 stores that it has, there are "about
50 Running Specialty stores, and 200–plus branded shops inside department stores (Macy's)" (The
Finish Line Inc 2016). Just like most of the businesses, FInish Line also has many competitors.
Having competitors is one of the biggest reason why the company's core stores are better and larger
than their competitors' stores. The core stores offer a variety of clothes, accessories, and footwears,
which provides customers with more options of shoes and apparels (The Finish Line Inc 2016).
Finish Line not only does business in bricks and mortar stores, it also offers online sales on their
website and www.run.com. Buying products online is a trend of today's society, and providing
online sales allows Finish Line to compete with its competitors and the opportunity to increase its
sales. The company is also focusing more on online and mobile sales, and in order to do this, Finish
Line is "is investing in its online channel with design and content upgrades, mobile and tablet
applications, and an expanded presence on social media and platform enhancements" (The Finish
Line Inc).
Having enough strengths is one of the key factors why Finish Line is able to compete with its
competitors.

Changing Business Management Styles: Celebrity Cruise...
Celebrity Cruises Executive Summary During the recent economic contraction, the cruise industry
has been continually changing with more carriers purchasing larger ships. This is part of an effort to
offer better amenities when attracting upscale cliental. However, the industry has become more
competitive and the total number of players has increased exponentially. In the case of Celebrity
Cruise Lines, the company is undergoing similar challenges. To respond to these issues, the firm has
been moving away from their core business model (i.e. medium sized ships and small markets). As
time has gone by, executives have realized the need for competing more aggressively. This has
caused the firm to increase the risks they are taking in order to receive a larger reward. To determine
the challenges facing the company, we will analyze these issues and provide possible solutions. This
is when the company will be more agile in adapting to these kinds of issues. Background Over the
last few years, the cruise industry has been going through a number of changes. This is because
there are more players in the market and many firms are offering aggressive pricing / packages in an
effort to lure travelers. In the case of Celebrity Cruise Lines, the company had made a reputation for
itself by reaching out to a core group of American customers. This accounted for 85% of the firms
business, with 49% of clients as repeat travelers (who had used the company's services before).
("Celebrity

Implementing Nosql Databases On The Critical Line Of...
The following represent the key reasons for companies to implement NoSQL databases in their
critical line of business applications.
5.1 Amazon
Response times directly impact customer satisfaction and revenue thus are more important today
with businesses having many competitors just a click away. NoSQL solutions like Apache
Cassandra have the ability to write data faster and deliver compared to RDBMS. Amazon found that
every 100ms decrease in site response time gave them 1% more in revenue.
5.2 Ooyala
Scalability and performance go hand in hand, with companies needing to accommodate new users
and data volumes in their line of business applications. Traditional architectures have failed to
predict correctly. Ooyala choose Cassandra over ... Show more content on Helpwriting.net ...
Netflix, which is one of largest cloud application in the world, uses Cassandra to make sure zero
downtime for its customers, storing 95% of its data in Cassandra.
5.4 Adobe
The term "location independence" means being able to read and write to a database regardless of
where that input/output operation occurs and to have any write functionality propagating from that
location, so that it is available to users and machines at other sites. Such functionality is very
difficult to architect for relational databases. Cassandra allows both read and write capability with its
peer–to–peer architecture and thus delivers true data location independence. Adobe appreciated this
feature and used it in marketing cloud application. It runs it's DataStax Enterprise/Cassandra
database cluster between two data centres just to ensure that its customers can both read as well as
write data fast no matter where they are located.
5.5 NASA
Owing to a flexible data model, ability to accommodate structured, semi–structured and
unstructured data of Cassandra, NASA has deployed it for some specific purposes.
NASA uses it for security applications to track hardware and software patches and deals with data
that is both structured and unstructured and allowed them to insert data much more smoothly than
prior RDBMS, and achieved this with reduced query response.
6. Cost–Benefit Analysis
To derive a cost–benefit analysis, we have compared benefits such as latency, operations/sec

The Triple Bottom Line Model
The Triple Bottom Line
Introduction
A triple bottom line model never merely quantifies an accomplishment or rather the wellbeing of a
company through its conventional monetary bottom line. However, triple bottom line similarly
measures social, ethical as well as environment performance of the company. Triple bottom line
typically is an incessant process that shall assist the company in concentrating into the performance
of a more sustainable business whereas demonstrating to local communities together with
employees of that particular firm that is not merely looking forward on profit making, but similarly
a greater common good for the company operations (Hitchcock and Willard, 2009).
TBL is a sustainable model for business that balances financial success, community participation
together with ecological sustainability. The firm which employs triple bottom line towards capturing
the set significances, processes as well as issues of the company might decrease and determine
whichever harms resulting from company's operations then create economic, social as well as
environmental values of that the company. The model typically outlines that everything is supposed
to taken into account that needs of the company 's shareholders, employees, stakeholders,
governments, clients, business partners, local communities together with the entire public. Reporting
through Triple bottom line (TBL) is currently turning out to be more ordinarily used across several
sectors within

Essay On Line Of Credit
What level of committed line of credit do we need, and consider how we have been managing
working capital in the past and potential growth in revenues that translates into working capital
investment? You need to address the considerations in managing the cash conversion cycle better.
A business line of credit is one that gives capital to meet a whole variety of business needs. When
business draw on their business line of credit to get more working capital, buy inventory, handle
seasonal cash flow gaps, pay off other debts, or address almost any other business emergency or
opportunity. On the other hand, a line of credit is a simple financing product that allows business to
withdraw funds up to a predetermined amount. The business will only ... Show more content on
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However, this metric looks at the amount of time needed to sell inventory, the amount of time
needed to collect receivables and the length of time the company is afforded to pay its bills without
incurring penalties. In fact, most business acquires inventory on credit, which results in accounts
payable. A business can also sell products on credit, which results in accounts receivable. However,
cash is not involved until the business pays the accounts payable and collects the accounts
receivable. Therefore, the cash conversion cycle measures the time between the outlay of cash and
the cash recovery. The cash conversion cycle cannot be observed directly in cash flows, which are
affected by financing and investment activities as well; rather, the cycle refers to the time span
between a firm's disbursing and collecting cash (Mueller, (2017)
Should we keep existing cash on the balance sheet for future mergers and acquisitions or should we
consider using some of these funds for supporting our short–term line of credit needs?
Growth and expansion are some of the primary motivations that influence the decisions of a
business. A business entity that pursues growth in existing and new markets stands greater chances
of maintaining competitive advantage over its rivals. Other than organic growth, a business can
enter mergers or acquire other firms to accelerate its market

Sleep Smart
The case study reviewed in this analysis refers to SleepSmart, a retail company distributing bed and
bedding products to consumers. The company itself suffers from an ongoing lack of focus from a
technology standpoint; readers are introduced to the study from the perspective of Greg Danson, the
chief information officer of SleepSmart and Stan Bailey, the chief architect (ultimately the
responsible mind behind the SleepSmart Strategic Technology Alliance). A crucial element of the
case study emphasizes the alignment of information technology with long term goals of the business
to ensure confidence with both investors and consumers alike. This report will concern itself with
planning around the scenario and the likely outcomes of such ... Show more content on
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Unfortunately this long standing notion amongst the board that IT appears to be more of a waste of
time and resources than an opportunity for change and capitalization of strengths across the business
is a major issue when switching from a bottom line to top line approach. Co–operation between the
IT strategy and the business strategy is a fundamental step towards aligning the business for top–line
growth. As such the relationship between the architect and senior management must be open and
unbiased for the best results to be yielded.
The SSTA has a glaring flaw in that vendors involved with this venture happen to be rivals. Whilst
this incites innovation and may have been a great incentive during the business' focus on the bottom
line figures, competition is inevitable. Another can of worms has been inherently opened through the
collaboration of these vendors by making them aware of each other's presence during the venture.
This can cause a rift when attempting to negotiate future deals as vendors start to side with each
other during long term decision making. To prevent this issue a thorough analysis of each vendors
offer must be taken and contrasted against each other. Agreeing to have one vendor handle
SleepSmart's technological infrastructure for the next few years is

I Am A Girl, The World Of Esthetics Intrigued Me
About Me
Every since I was a little girl, the world of esthetics intrigued me. I have always loved the way
people can manipulate their features and transform them, whether that is hair, skin, nails or
cosmetics. As I grew up to began to become more and more attracted to cosmetics. My passion for it
did not begin until high school, where I realized my full potential. Throughout my four years of high
school I was on the dance team, where our makeup had to look uniform. As a freshman, my 15–
year–old friends did not know a thing about makeup and I knew the basics. They would have me do
their makeup and would always tell me that I should be a makeup artist. As the years went by my
abilities in makeup artistry grew better and so did my love for ... Show more content on
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My makeup line will be sure not to anything harmful to a consumer's skin, which is why the proper
research is necessary.
Starting a Makeup Line
Research and Design
One of the most important steps in starting a makeup line is finding a research lab to work with,
which is where most of my time will be spent. (Marlena, 2012) In a research lab I will decide what
ingredients that I want in my line. It is very important to find a lab that is credible and trustworthy.
There are many expensive brands in the industry that are in the higher range of prices. I want my
line to be affordable therefore I need a affordable lab that will help me create quality products.
Another important step is finding a factory for packaging and filling. This is where I will be able to
decide how I want my line to look. "Smart packaging helps its targeted consumers feel an emotional
attachment to a brand." (Jarski,2014) choosing the smartest color scheme, shape, and design of my
product can determine how well my product can sell. About one–third of a consumer's decision to
purchase something is its display or packaging. Especially in the beauty market today, I have to
make sure my products appeal to consumers. Cosmetics is all about empowerment therefore I need a
product that is going to appeal to that side of a woman.
According to the graph, many women have an emotional attachment to makeup which makes them
feel in control (Gaillie, 2013) It is important for me to

Implement And Monitor Marketing Activities Essay
Implement and monitor marketing activities
Assessment Task 2: Project – Plan promotional activities
The family start–up business Chef Vending (Chef), LLC imports vending machines and commercial
food and beverage equipment from Spain. At Chef Vending we are determined to penetrate the
vending industry with innovative, first to market, high quality vending machines. We are
establishing our own vending routes in the Southern and Central Victoria region and we are aiming
to participate in the $321 billion food and beverage industry by supplying high–quality innovative
equipment. Our main target customers will be the medium to large sized restaurants and hospitality
groups with their main kitchens and cooking facilities in the business.
Chef's marketing objectives: At Chef we want to increase the sales to $3 million, improve the brand
awareness from the current 30% to 50%, grow our market share by 5% on an annual basis, target
new customer segments to individual households and hotel chains, enter new domestic markets such
as entering the rural Victorian areas, improve the business participants and stakeholders'
relationships and improve the customer relationships.
Performance targets to staff: reduce the customer complaints by 80% by the end of the financial
year, improve customer satisfaction rate by 30% by the end of the financial year, attend at least 3
staff professional development sessions or staff trainings on an annual basis, improve their product
knowledge by 100% and

Assignment 3: Critique e-business operations from each of...
Assignment 3: Critique e–business operations from each of the following four perspectives: on–line
payments, customer satisfaction, supply chain management, and advertising products/and services
On–line shopping has continued to spike as more and more people turn to the convenience of the
internet. Although it is convenient to shop from the privacy of your home, the perspective of on–line
payment does present some challenges. Both the customer and the vendor are concerned about
security measures. Customers are worried that their credit card information remains protected and
that their privacy is safeguarded. There is the possibility that the sellers' website may be subject to
hacking and thus the customers' ... Show more content on Helpwriting.net ...
Additionally, a merchant would advertise on their home page for "final clearance" items starting at a
specific price (e.g. $3.99); however, once you browse through the merchandise selection you will
find that the advertised prices does not match the picture on the main web page. Another issue with
on–line shopping is delivery time periods. Although on–line shopping provides the convenience of
not leaving home, customers do not want to wait weeks for the delivery of the items. Recently, we
purchased an item from a very reputable vendor with an advertised delivery date of three to five
business days. We had to wait for the item for six weeks. I found this to be unacceptable. Of course
the vendor had a fine print that they would not refund any money until after a six–week period and
research is completed to locate the item. Needless to say, I would think twice before ordering
another product from this vendor. Because there is no ability to physically examine an item and we
are inherently people of vision, customers do not always read the entire product description. Many
times when the items are received, they are not what the customer expected. As many customers do
not want to go through the hassle of returning the item, they simply keep the merchandise and do
nothing, especially if they had to pay for returns and restocking fees. The availability of live
customer

Business and Market Exposure Maersk Line
Business and market exposure Maersk Line Dependency on global economy and world trade Being
in an international industry, the market for Maersk Line is global and the demand for its container
shipping services is directly correlated with the development in the global economy and the world
trade situation. Globalization of world industries, spurred by deregulation policies and trade
liberalization, as well as an increase of export volume from e.g. China has in recent years been an
important driver of GDP and growth in world trade. Demand and supply Thus the demand for cargo
being transported has increased – but so has the supply of vessels. The growth in world trade – and
expectations of further growth – has in recent years ... Show more content on Helpwriting.net ...
for passengers, oil etc. – overcapacity cannot be compensated or soaked by alternatives. Combined
with the relatively inelastic supply of vessels (it takes 1–3 years to build a vessel) and the relatively
elastic carrier supply (carriers can easily move from one route to another), overcapacity will spur
competition and pressure on price. In the container shipping industry price is expressed in freight
rates. So freight rates are volatile and have due to the overcapacity – or fear of future overcapacity –
declined in 2006 on a number of tradelanes. This has also affected Maersk Line. "During the first
half year of 2006 freight rates have been under great pressure in most services...compared to the first
half year in 2005 Maersk Line's average rate has declined 5% including bunker adjustment factor –
9% before this adjustment", the Interim report from 2006 states. And the A.P. MOLLER–MAERSK
report adds: "To illustrate the sensitiveness for 2006 for the container activities the following shows
an indication on result after tax – all other factors being equal: 5% change in rates for the container
services: DKK 5 billion for the full year .... 5% changes in volumes for the container services: DKK
3 billion for the full year. According to shipping analyst Lars Bjørnvik, freight rates is the single
most important influencer on results. And according to estimates from another analyst, A.P.

Business Analysis : Finish Line
Finish Line combined with its subsidiaries, is one of the biggest athletic apparel retailers in the
United States. The Finish Line company operates two different retail stores around the country, one
under the Finish Line brand name and the other called Running Specialty. Finish Line is a premium
retailer of athletic shoes, apparel and accessories. As of April 4, 2014, the company operated 644
Finish Line stores (Sec.gov). Also, the company operates a website www.finishline.com. Brand
names sold by Finish Line include Nike, Brand Jordan, Rebook, adidas, Under Armour, New
Balance and more. Footwear accounts for approximately 89% of Finish Line's net sales (Sec.gov).
Finish Line's goal is to continue to be a premium athletic footwear retailer by selling the most
updated products from the biggest brand names in an engaging and exciting shopping environment
with knowledgeable staff trained to deliver excellent customer service. In analyzing Finish Line's
data, I've found a lot about it's current financial status. Finish Lines Net working capital in 2014 was
$373,293. This number being positive means that Finish Line expects the cash paid out over the next
year to be less than the cash that will become available. Net income attributable to The Finish Line,
Inc. was $76.9 million (4.6% of net sales) in fiscal 2014 compared to $71.5 million (5.0% of net
sales) in fiscal 2013. This means that Finish Line had a $5.4 million increase, or 7.6%. Finish Line's
Current Ratio in 2014 was

Town Line Wallpaper & Paint Business Analysis
Family owned business Town Line Wallpaper & Paint, of Malden, Massachusetts is celebrating over
50 years in operation, by providing two new services to customers. The two new services the
business will offer are, a full interior decorating program to help customers design for their home or
business, and a remodeled showroom to display their expanded selection of fabric, paint, stain,
wallpaper and window coverings.
Todd Zigelbaum and Garry Zigelbaum, brothers and co–owners of the business are excited to
celebrate 52 years of operation, and believe their business has many things that make them stand out
from other big box realtors. The store now a Malden area staple, was opened in 1965 by their
grandfather, it was then passed onto their mother who ... Show more content on Helpwriting.net ...
According to Todd Zigelbaum, Town Line has stayed in business for over 50 years through
expansions and reinvestments in the business. Zigelbaum, boasts that the store has state of the art
equipment and employees with 35 plus years of experience.
With their new interior decorating department and expanded showroom, Zigelbaum says ultimately
their goal is to, "Evolve from a great paint store to a decorating center."
The store has experienced many challenges during the past 52 years, such as competition from big
box stores, sales tax burdens and other obstacles. Zigelbaum believes that Town Line is, "much
more than a paint store" and their many selections of designer fabrics and European paints are the
things that make them special because, "you just don't see them anywhere else."
Town Line Wallpaper & Paint is proud to carry a wide selection of paints and fabrics, from locally
made major paint brands, to designer fabrics from England. Zigelbaum says that their products
range far into the back of the store and that "people are usually amazed at their

Hydro-Quebec Efforts to Restructure and Reorganize IT...
Hydro–Quebec Efforts to Restructure and Reorganize IT Support Management Function Line
Demands Business Models
Objective
The objective of this work is to discuss Hydro–Quebec Efforts to restructure and Reorganize IT
support management function line demands business models and specifically to describe external
factors and internal factors affecting change IT management for Hydro–Quebec through use of the
socio–technical design document. This work will also answer the question of what changes would
be suggested for Hydro–Quebec and why.
Introduction
The work entitled "Challenges and Reflections on Knowledge Society & Sociotechnical Systems"
reports that information technology (IT) is redefining the business basis" and that "customer
attendance, operations, product strategies, marketing and distribution and even the society of
knowledge depend sometimes even totally on Information System (IS)." (Balloni, 2010, p.21) The
implementation of a new technology has been associated with problems that are "often linked to
resistance by the work force and failure to achieve the expected benefits." (Balloni, 2010, p.21)
Balloni (2010) reports that there must be a fit between the 'technical' and 'social' system, which form
the organization. This means that business strategy, rules and processes determine the type of
software and subsequently the type of hardware, database, and telecommunications system needed
by the organization. The social system is comprised by the organization's

M & S Case Analysis Essay
The aspect of Human Resource Management is considered to be imperative in the process of
effective business management and for accomplishment of business goals. Owing to the growing
complexities and challenges in the global business sector it has become all the more crucial for the
business organization like M&S to strengthen its management system of human assets to ensure the
business competencies.
M&S Company: M&S is a well known retailer of UK and has also established its lead in the global
retail market (Corporate.marksandspencer.com, 2016). The company was founded during 1884 and
the main product ranges included clothing, fashion accessories, luxurious home and food products
and the business is also listed in the London Stock Exchange.
The assignment mainly deals with the assessment of differences between personnel and human
resource management in M&S and Harrods in the initial section of the assignment. Then the
recruitment and selection processes of M&S have been analyzed. The assignment has also pointed to
the factors of rewarding methods and needs for motivating and retention of employees and also
emphasized on the mechanisms for the cessation of employment, considering two given case
studies.
Task 1
1.1 Differentiate between personnel management and human resource management giving examples
in two suitable organizations.
Human resource management –The concept of human resource management can be defined as the
structured process in which the human assets of

Buckeye National Bank Essay
1. Under the original (old) cost system: a. Compute the single indirect cost allocation rate that the
bank would use to allocate the total indirect costs presented in Exhibit B. 2850 / 95000 = $0.03 b.
Use your answer to part A to determine the total annual indirect cost assigned to: i. The retail
customer line, and 9500 * 0.03 = $285 ii. The business customer line. What drives theses
allocations? 85500 * 0.03 = $2565 Paying checks which was processed c. What proportion of the
total indirect cost is assigned to: iii. The retail customer line, and iv. The business customer line?
Why? That is, what is the underlying rationale for indirect cost allocation under the old ... Show
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2. What are the signs that Buckeye's original cost system is "broken," such that it needs refinement
on improvement? Although the company made strategy through original cost system, it is still
unclear why the profit was declining. Might be some problem when the company was allocating the
cost on both lines, and the methods to allocate will route a wrong strategy for the company. 3. Under
the new activity–based costing (ABC) system, compute the indirect cost allocation rates for each of
the three activities: f. Paying checks: $700 ＋$440 ＝ $1140 $1140 / 2850 = $0.4 per check
processed g. Providing teller services: $1000 + 200 = $1200 $1200 / 200 = $6 per teller h.
Responding to customer account inquiries: $450 + $60 = 510 $510 / 100 = $5.1 per call 4. Use the
following schedule to compute the total indirect cost allocated to each customer line (show your
computations beside the activity description) Activity | Total Indirect Cost Assigned to Retail
Customer Line | Total Indirect Cost Assigned to Business Customer Line | Paying Checks | 0.4*570
= 228 | 0.4*2280 = 912 | Providing Teller Services | 6*160= 960 | 6*40 = 240 | Responding to
customer account inquiries | 95*5.1=484.5 | 5.1*5 = 25.5 | Total Indirect Cost | $1672.5 | =1177.5 |
5. What proportion of each activity is attributable to: i. The retail customer line, and j. The business

Google Analytics : An Objective For Any On Line Business...
Google Analytics: –
Analytics software is crucial for any on–line business; it helps you perceive ways in which to
succeed in your audience and drive traffic to your website. Google Analytics is one among the best
ways to try this and is particularly useful for the everlastingly busy small business owner or the on–
the–go bloggers. Google Analytics permits you to access each general statistics and trivia in careful,
comprehensive reports. And in fact, it includes all the essential specifics, like what percentage
visitors you are obtaining, and allows you to refine your data according to date.
Business owners who haven 't nonetheless transitioned to on–line advertising and selling have to be
compelled to do thus as a result of they 're missing out plenty of potential sales and to expand their
business. It 's time that these businesses just apprehend the advantages of Google Analytics to assist
grow their small business ("How Your Small Business Can Benefit from Using Google Analytics",
2016).
1) Tracking SEO campaigns
Google Analytics assist's businesses keep track of search engine optimization (SEO) campaigns for
you. Once you need to draw in new customers to your on–line business, you would like to use
Google Analytics to maximize your results. There are tools you 'll use to assist you to establish how
well your SEO campaign can run. Start watching the monthly statistics see however well your
campaign is coming back on before you check up on a year to year statistics.
2)

Balancing The Four Bottom Lines
Balancing The Four Bottom Lines In Small Business There are numerous reasons why an individual
decided to become an entrepreneur. Naturally, one of the purposes of founding a business is to
generate income for the entrepreneur (Hoffman & Casnocha, 2012). However, it is also understood
there is more to gauging the success of a venture than purely just the profitability, or bottom line
(Hoffman & Casnocha, 2012). In a concept noted as The Four Bottom Lines, success is gauged on
more humanistic criteria (Katz & Green, 2013). The four bottom lines are referred to as The firm,
Community, Family, and Yourself (Katz & Green, 2013). The thought behind The four bottom lines
concept is to measure an entrepreneur's satisfaction through the ... Show more content on
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The firm. Mrs. Lopez is quite content with her little Java Hut Express. Although she never scaled the
concept, the Java Hut has managed to keep it's door open as a single location concept. The coffee
shoppe's success comes despite of patches of troubled economic times for the city of Lake Elsinore.
While Mrs. Lopez was, understandably, unwilling to discuss the financials of her business, it is
publicly available the enterprise nets < $500,000 USD per year ("Manta", 2016). Community. The
Java Hut Express is one of the most popular small businesses in the town of 62,000 in which it
resides. The Java Hut's owner uses her business as a soap box to display messages she finds
important such as "All Lives Matters" banners and flags. According to Mrs. Lopez this helps her feel
like she is a part of the community, rather than just a fixture within it. She also employs three local
high school students, working with the youth seems to be something she enjoys. Family. Mrs. Lopez
cites wanting to spend time with her family a chief factor in determining the personal feasibility of
her business. When her children were still in school, she missed getting them ready in the mornings
as the coffee shoppe requires her to be their very early in the morning. Self. Now, ten years into her
business Mrs. Lopez says she finally feels the final bottom line is shaping into place for her. She
cites her long term success with the business as being self

Legal Challenges In Modern Business : The Fine Line...
Legal Challenges in Modern Business: The Fine Line Between Torts and Crimes
The First Amendment to the U. S. Constitution–the right of free speech–is the fulcrum
of the business function. The foundation of that function is the formal contract, the basis of
agreements in any business enterprise, from the initial business license to verbal or written
agreements with customers and clients. To appreciate the impact of human exchange on society
requires a general overview of the interplay of contracts, torts and crimes as managed in the existing
legal system. Eventually, some part of the legal system will evolve to reflect current social
awareness, while maintaining the spirit of the law.
Understanding the complex relationship of these ... Show more content on Helpwriting.net ...
Phishing is one example of Internet "scams," where one receives an email message with an
appearance mimicking a legitimate company. Such a tactic, requesting financial or contact
information as an attempt to steal identity, is a threat to the wellbeing of society as a whole.
c) Arson is the pre–meditated act of burning property by the use of fire or explosives to receive
insurance monies or to damage evidence in the way of records.
d) Embezzlement is a well–known crime that occurs on small or large scales. This classification of
crime usually develops from an employed person who has proximity to funds, databases, or
intellectual property. One example of this crime is the case of famed author Danielle Steele's
secretary, who embezzled nearly a million dollars by skimming monies off the top.
A small–town example is the case of a sole attorney's secretary who cheated clients as she entered
trust fund debits that totaled more than was spent on client's work. She was not incarcerated;
however, she lost her twelve–year job and self–respect. A common, and equally criminal act, is
another small–town case of an accountant who left her employ with a national medical service
company. She opened her own service business in a nearby town, using the entire database from her
former employer. She paid a hefty fine and again, lost self–respect and thousands of clients.
e) The final category of crime is

Cost Management
Introduction:
Our case study is on the Columbia City Bank. First of all we would like to talk about the general
inner workings of a bank. A bank generates a profit from the differential between the level of
interest it pays for deposits and other sources of funds, and the level of interest it charges in its
lending activities. In recent history, investors have demanded a more stable revenue stream and
banks have therefore placed more emphasis on transaction fees, primarily loan fees but also
including service charges on an array of deposit activities and ancillary services. Lending activities,
however, still provide the bulk of a commercial bank's income. Beside, Banks make money from
card products through interest payments and fees ... Show more content on Helpwriting.net ...
A drastic action would be to shut down its business customer line altogether as it is turning into a
liability. Though this is not recommended as such, instead the bank should find ways to cut the costs
of operating the business line.
2. Signs that Columbia City Bank's original cost system was broken and in need of refinement is
that it showed that its profit continued to decline even though 80% of the branch managers met the
targeted increase in the number of customers. Another sign is that the numbers of business
customers reduced in proportion to retail customers. In other words business customers who
contribute a lot of capital were leaving the bank for certain reasons whereas at the same time retail
customers continued to increase in numbers.
3A) Check payments: activity rate for it is the number of checks processed
Retail customers: 2280 000
Business customers: 9120 000
Total number of checks processed: 11 400 000
Check payment costs:
Activity: salaries of check–processing personnel = RM 440 000
Depreciation on check –processing equipment = RM 9120 000

Total number of checks processed = RM 1140 000
Allocation rate for check payments:
Total check payment costs/ total number of checks processed
RM 1140 000/11400 000 = RM0.10 per check processed
Teller withdrawals and deposits, activity rate is number of teller transactions
Retail customers: 320

Who Is The Bottom Line Of Business Is Profit And Profit...
Running Head: IS IT TRUE THE BOTTOM LINE OF BUSINESS
Is It True That The "Bottom Line" Of Business Is Profit and Profit Alone?
Helen Steinhofer
American InterContinental University
PHIL201–1603A–03
07/21/2016
Abstract
This will be an over view of ethics as it relates to business in our society. Concepts from Philosophy
will seek to describe the correlation between actions that are classified as morally right or ethical in
our dealings with each other as human beings. Clear and concise examples will be given as well as
ways in which to improve upon business ethics.
Can business thrive by profit alone? Barry (2000) described Milton Friedman's short essay, in the
1970's, as extremely controversial, in which he denied that corporate executives had any moral duty
to relax the conditions of profit maximization on behalf of the wider interests of society. This
example of the "bottom line" of business has been demonstrated within the past couple of decades
by publicly criticized companies, for fraudulent activities, such as, Enron, WorldCom, and
HealthSouth along with many others. These company executives were willing to sacrifice the vast
majority and greater good of society for profit gains. This mindset left many of loyal investors,
consumers and employees without a sound stabilized future. There are also many businesses that
produce a high yield on their investments;

Buckeye National Bank
Buckeye National Bank 1. Under the traditional (old) cost system: a. Compute the single indirect
cost allocation rate that the bank would use to allocate the total indirect costs presented in Exhibit B.
(Total indirect costs/total value of checks processed, in thousands) $2,850 / $95,000 = $0.03 b. Use
your answer to part A to determine the total annual indirect cost assigned to: i. The retail customer
line (Value of checks processed X cost per dollar processed, in thousands), and $9,500 * $0.03 =
$285 ii. The business customer line. (Value of checks processed X cost per dollar processed, in
thousands). What drives theses allocations? $85,500 * $0.03 = $2,565 The allocations are driven by
the checks processed. c. What proportion of the ... Show more content on Helpwriting.net ...
What proportion of each activity is attributable to: i. The retail customer line, and ii. The business
customer line? Paying Checks Teller Services Account Inquiries Retail 20% 80% 95% Business
80% 20% 5% 6. Using the ABC data from Requirement 4, compute k. The indirect cost per retail
customer account and l. The indirect cost per business customer account Retail: $1,672.50 / $150 =
$11.15 Business: $1,177.50 / 50 = $23.55 7. Explain why the results in Requirement 1, Part D, and
Requirement 6 differ. Be specific. Requirement 1, Part D used paying checks to allocate indirect
cost only. It did not consider the cost generated from other costs, which included teller transactions
and account inquiry calls. 8. Using the ABC data, compute the average contribution to profit per
account for both retail and business customers. What business strategy would be a manager using
the ABC cost system likely adopt? How does this result compare to your response to Requirement 1,
Part E? Retail: $10 – $11.15 = ($1.15) 8.1 Business: $40 – $23.55 = 16.45 (11.3) Expand the
business with business line instead of increasing retail bases. 9. Recall Buckeye National Bank's
bonus–based incentive plan to increase the number of customers. Do you believe this strategy is
wise? Would you

The Ethical Standards Of Corporate Social Responsibility
Introduction In 2013, the American Insurance Company AIG, American International Group was
ranked the worst company in corporate social responsibility for the fifth consecutive year (Orwell,
2014). Known for its exorbitant executive salaries, "golden parachutes", and lavish management
perks during the infamous financial bailouts of 2009, AIG still struggles to regain consumer
confidence (Orwell, 2014). Multiple corporations grapple with how to meet the ethical standards of
corporate social responsibility in today's global economy. Becoming a triple bottom line company
would help a business meet its ethical obligations and demonstrate its sustainability progress to
stakeholders. Employing utilitarian theory of ethics to exam triple bottom ... Show more content on
Helpwriting.net ...
The legal responsibility of an organization is to abide by all laws and regulations. The expectation is
for the business to follow and obey not only the explicit version of the law but its intended purpose.
The corporation's ethical responsibility is to conduct business and act in accordance with ethical and
moral values even when not required by law. The philanthropic responsibility refers to an
organization's obligation to contribute to the betterment of society through its "generosity towards
the community" where it resides (Metivier & Matteson, 2015).
Triple Bottom Line
The triple bottom line (TBL) is a theory of corporate social responsibility and accounting framework
that focuses on a corporation's long–term sustainability in three different areas. It proposes that the
ultimate success of a corporation depends not only on how well it performs financial but also
socially and environmentally (Norman & MacDonald, 2004). The TBL concept requires the
performance in each area of sustainability be measured independently (Metivier & Matteson, 2015).
The triple bottom line has been commonly referred to as the three Ps for profits, people, and planet
(Slaper & Hall, 2011). Similarly to CSR, the economic sustainability measure of TBL evaluates the
profitability of a business. Measured primarily in dollars, the economic sustainability assesses the
variables related to the bottom line (Slaper & Hall, 2011). The social

The Basel Committee On Banking Supervision
The Basel Committee on Banking Supervision has developed a regulatory capital framework for
operational risk measurement and introduced three approaches: the Basic Indicator Approach (BIA),
the Standardized Approach (SA) and the Advanced Measurement Approach (AMA).The
identification and measurement of operational risk can be viewed as following either the top down
approach or the bottom up approach depending on the method used to calculate the risk charge. In
the top down approach, the financial data is extracted from the Balance Sheet and Profit and Loss
statement. This method may not result in the proper capturing of risks nor does it help in risk
mitigation. This approach corresponds with the Basic Indicator Approach and the Standardized
Approach of Basel II Accord. The third approach of the Accord i.e. Advanced Measurement
Approach, is consistent with bottom up approach in which the regulatory capital requirement will be
defined by the estimate generated by the internal operational risk measurement system (Rajeev,
2004).
The Basic Indicator Approach (BIA)
The BIA is the simplest of the three approaches to calculate operational risk capital charge. This
approach uses a single indicator i.e. gross income as a proxy for a bank's overall operational risk
exposure. The bank is required to measure the average positive gross income over the previous three
years. The years with negative gross income are excluded. The gross income is computed as net
interest income plus net

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