Detroit Electric Essay Example for Free

Detroit Electric Essay 1. What organizational structure do you believe is being used to produce Detroit Electric vehicles? Detroit Electric concentrates theirs efforts on research and development of the motor, vehicle design, marketing and distribution. The company does not produce cars; the actual manufacturing of cars is outsourced. From the case I conclude that technology design is the core business of Detroit Electric. Technology changes rapidly and therefore Detroit Electric has to be flexible in conditions of change and uncertainty. Technical excellence and efficient use of resources is the key to compete and to avoid wastage as the cost of RD is high. Based upon the above observation, I believe that the organizational structure used is the matrix model. 2. How has differing organizational structures influenced the pace of development between these two companies? Ford and Detroit Electric are both car companies. The major difference is that Ford manufactures cars whereas Detroit Electric does not. Ford’s organizational structure will most likely resemble other manufacturers’ structure, i. e. functional departmentalization. A major disadvantage of this structure is that because specialists are working with and encouraging each other in their areas of expertise and interest, organizational goals may be sacrificed in favor of departmental goals; hence, the inability to coordinate efforts amongst competing department to achieve the goal of producing electric vehicles. Detroit Electric’s matrix structure on the other hand gives the organization the flexibility to respond to challenges faster in conditions of change and uncertainty; hence their relative pace (fast)in developing electric cars. 3. What issues may arise from this cooperative arrangement of international companies? The first issue is control. How does Detroit Electric ensure that their exact specifications are followed by their licensees? Regular audits will have to be conducted and these audits are costly. Who will bear responsibility if problems arise (faulty products) due to failure of any of its licensees do not follow procedures? The second issue is differences in objectives. For example, Detroit Electric’s performance and quality standards objectives may differ from their licensees.

Advantages and disadvantages of using credit cards

Advantages and disadvantages of using credit cards In this modern era with the rising of e-commerce in the world, the usage of credit card is getting popular among the world nowadays. The usage of credit card has actually spread towards the college student and has increasing visibility (Hayhoe, 2002). Meanwhile, this is the best chance for the credit card companies to put on target at college students because college students are expected to have higher of earning power and this makes the credit card companies believe that as a desirable market (Warwick Mansfield, 2000). Credit card can be best defined as a small plastic card issued by the bank to the consumers to purchase goods and services in advance with a credit limit on the spending (eHow, n.d). With a credit card, the users are able to purchase goods without using cash. Users will have the ability to use it as online payment in internet and uses it as monthly installment for large volume goods and services (eHow, n.d). However, interest charges are applied to the credit cards. There are many different types of credit card associations nowadays. For example, American Express, Dinner Club, MasterCard, Visa and many more. Each month, the credit card user is sent a statement by bank that indicated their purchases for previous month. After the cardholder received the statement, he or she must pay the amount of their purchases otherwise may choose to pay a higher amount when the credit issuer charges interest on the amount owed. Even credit cards have higher interest rates than most consumer loans; many people still prefer to use it yet. This is because almost every store that we can see allows for payment of goods and services through credit cards today. The increasing number of banks that provides credit card has eventually increases the competition between banks in attracting the customers. Every bank has tried their own way to persuade the customers to apply the credit customers. The worst part is, they even attract college students by having promotion in the college. Historically, the bank actually started to bump into student credit card market in the late of 1980-an (Manning, 2000). In the long run, this will cause many problems to the college students. This is because most of the college students does not how to plan their money effectively. According to Henry, Weber, and Yarbrough (2001), most of the students will have the credit problems is because college students do not practice to have a written budget. The researchers also expected college students are vulnerable to financial crisis (Henry, Weber Yarbrough, 2001). The incredible increase of the usage of credit card actually has demonstrated the crisis among the college students. The increased number of credit cards among college has seen a major growth since the past decade (So, Grable Bagwell, 2003). Based on a research, 70% of all undergraduates at four-year colleges have at least one credit card today (So, Grable Bagwell, 2003). Advantages and Disadvantages of using a Credit Card Credit Card is an Automatic advanced card which people can use it to get the goods without paying the cash. Credit cards are widely use by people all around the world as a source of convenient to get what their needs. But, there are many advantages and disadvantages of using it. One of the advantages of credit card is that with credit card can eliminate the need to carry large sums of cash wherever we go. For example, if we are away from home for vocation, we dont need to take large amount of cash in pocket. Besides, credit cards may also offer us additional protection if goods that we bought is lost, damaged, or stolen. This is where the credit card company can know that the fact that we have made a purchase. In addition, we can also see that some credit card companies offer insurance for the customers on large purchases. By this way, the companies can protect their customers and give their customers the security of using the card. With a credit card can also assist us build a credit line. By having a good credit history is very vital, which meant that making payments on time and in full month, it help us not only applying a credit card, but also when applying for the loans, rental, or even some jobs will more easily. In conjunction to that, credit cards can also be useful in times of emergency as well. For example, students with a credit card can take the necessary actions by helping parents when they falls ill, a car is damaged, or trying to buy a higher cost books in the university. Some credit cards also offer some extra benefits for their customers, such as discounts from particular stores or companies, bonuses such free airline miles or travel discounts. All of these benefits is helpful for us as long as we bear in mind that out spending limits. On the other hand, the disadvantage of credit cards is that they encourage people to spend money that they dont have. The customers can spend any time as they want even they have less money. Indirectly, the customers cannot pay for the bill statements that what they had spent. By this way, the more money the customers owe the credit card companies, and yet they will charge the customers on interest each month on their spending. The other disadvantages of credit card is that the credit card companies will charge the customers on high amount of interest on each balance that the customers dont pay off at the end of the month. This is how the credit card companies make their money and this is how many of credit card users will get into big troubles. And, credit card fraud also is one of the disadvantages. This is where the credit card also same as a cash, it also can be stolen sometimes. They maybe be physically stolen from customers wallet or credit card number and use as to swap the mo ney. The good news is that, when we realize our credit card is stolen, quickly we can report to the credit card companies. This is to avoid us by not being charged for any purchases that someone else has made. As conclusion, credit cards can make life easier and convenient to the users as they utilize it wisely. But, if we use it wrongly, it will become huge financial burden for us. If we decide to use the credit cards, we must know some simple rules such as limit our purchases, dont spend outside our budget, pay off the balance at the end of each month, and most importantly is dont give credit card information to anyone else as the safety methods. 1.1.2 Development of credit card in Malaysia In old days, there was no such thing as money. Each person would provide for his own food and clothing and also shelter. As time goes by, a system of barter by exchange of needs began. Barter trade however, was not that simple. Sometimes, it was difficult to find those who had exactly the item that was needed. Some goods were used for barter trade because they could easily be carried, have a common value and be easily divided. This commodity money became a medium of exchange soon. Common goods such salt, bread, grain, tobacco were among the item that had served as money. The first money appeared when the ruler or king issued a constant value. For example, in historical times in Malaysia, blocks and tin were kind of commodity money. As businesses developed, it became inconvenient to move large sums of coins around the country. In the middle ages, people preferred to deposit their coins with trustworthy goldsmiths, in exchange for paper receipts. Whenever a depositor wanted to make payments, he would exchange these receipt back for coins. As long as the goldsmith was trustworthy, the paper receipt was as good as coins. Thus, the first paper money and first banks were developed. In Malaysia, only the Bank Negara Malaysia is allowed to issue coins and paper currency notes. The value of ringgit is legal tender and is backed by gold and foreign exchange held by Bank Negara. In nowadays, there are now 3 forms of money we can see in Malaysia. They are coins, paper currency, and transaction account which are cheques and credit cards. While coins and paper currency are used to transfer money at the present time, cheques and credit cards commit money that will be earned in the future. Cheques is the most common instruments used to transfer funds. And then, cheques and credit cards become more popular as they provide their holders with the power to purchase without having carried around large amount of cash. Research Background Credit card among college students has become a hot topic of growing nowadays. This is because college students are experiencing unique transition period in their lives. Financially, they are going through the process from financial dependence to independence. They may have learned some consumer skills in cash management at home before coming to college. At this moment, students just want to start to learn on how to use credit wisely and just matured enough to be able to sign legal contracts include credit card contracts. There are also some other studies that show that students are greatly involved with credit cards. Yet, the use of credit cards among students has received much attention in recent year from members of the financial community and policy makers. Credit card companies grab this golden chance to target students because they are expected to have higher average earning power and are seen by the credit card companies as a desirable market (Warwick Manfield, 2000). Besides, we can see that mixed practices among students credit use will make them have a low knowledge about credit because they do not fully understand the financial implications of having a large number of credit card debt. By this way, this will make them to spend more. (McNeal and Yeh, 1993) A research also showed that at average age of eight years children, making their first independent purchase as socialization as a consumer begins in their early years. Nowadays, as we know that a service tax of RM50 will be charges on each principal credit card in Malaysia start from 20l0. And, for every supplementary card, a service with RM25 will be charged yearly. The governments impose this tax is because the users of credit card is increasing day to day. 1.3 Problem Statement This study analyzes the factors that influence the usage of credit card among IPTA and IPTS students. The research will give the opportunity to collect accurate data from the designed questionnaire in order to analyze the relationship of the variables. The following problem statement is supporting the research background of this study: To what extent do demographic, knowledge, kind of purchases, credit attitude, and family background influence the usage of credit card among IPTA and IPTS students? 1.4 Research Objectives Students attitudes towards credit card could play a vital role in determining its distribution. After figuring out the problem statement of this research, let go to the objectives of this research. The objective of this research is to distribute a proper framework and to analyze the factors that influence the usage of credit card among IPTA and IPTS students. From the research study also, it could assist to provide some suggestion to solve this problem. The three main objectives of this research study are: To investigate the role knowledge of credit card use plays in compulsive buying among the students. To test demographic. To compare the monthly usage of credit card among IPTA and IPTS students. To determine which factors is most significant effect towards usage of credit card among IPTA and IPTS students. 1.5 Significant of study It is important to study that how the credit card as a key of contribution to everyone no matter to bankers, users, society or among college students. Every companies and banks will benefit with owning a credit card. Mostly are those banks making money from the credit card companies? This is how it goes. If a bank agrees to take their customers deposit, they dont keep it all in the back. This is because there are only a small percentage of the bank customers will demand their money at any given time, a percentage of all deposits( vault cash), is kept on hand. Some of this cash will loan out to credit card companies so that they can finance the purchases their customers make, until the customer pays the credit card company back. Actually, most credit card companies are organized as banks, so that they are regulated in a different way than regular companies. As a result, the more money that is owed by bank or company, the more that bank or company is worth. This is because of the way the American accounting system works. Meanwhile, the main benefit to each customer is convenience. A credit card allows small short-term loans to be quickly made to customer who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. Credit card also provides more fraud protection than the debit card for the users. Many credit cards offer rewards and benefits packages, such as offering enhanced product warranties at no cost, points which may be redeemed for cash, products, and also for the airline tickets. This makes the users feel more satisfaction about their services of owning a credit card. Additionally, carrying a credit card is more comfortable to some users either than carrying a bucket of cash in their pocket. On the other hand, owning a credit card also benefited to community. This is how they permit people around to make a large purchase, such as expensive materials or those for cars. This make the people can buy those things easier. Yet, with credit card be useful for emergencies use like medical bills. Also, credit card offer additional protection of purchases. Example, if the goods that already bought by people is lost or had been stolen, the credit card company can prove for the fact that people have made a purchase with original receipts. So that people do not need to worry too much because some credit card companies are offering insurance on credit card. With a credit card too, it can help to create entrepreneurs. Many entrepreneurs who were unable to get the bank loan will have to use credit card as a way to finance their projects. Although by this way it is extremely risky, there is no choice to help some entrepreneurs become more wealthy and successful in future. Nowadays, we might see many credit companies also set up target in campus areas to encourage college students for sign up their card. They might give free gift such as t-shits, umbrella, water bottles for those who signing up the card. Some research shows that students are valuable customers because they are loyal for their first card and will continue to make their purchases in future. With the credit card, students can make large purchases easily such as expensive text books, airline ticket, hotel room booking, garments, and etc. 1.6 Organization of study This research focus mainly on how credit card use by students of IPTA and also IPTS. This research project compromises of 3 main chapters. It consists of introduction and background, literature review, and also research methodology. The first chapter introduces the area of the study that mainly on the overview and background of the research and the concept of credit card, its advantages and disadvantages, and overview of the previous and current issues related to the topic, and followed by problem statement of this study. Problem statement is referred to a clear statement of the question or issues that to be investigated with the goal of finding and answer solutions. The second chapter is provides a review on the related literature on credit card and the factors that can affect its usage. Literature review is review of facts from past researchers who conducted theirs studies on the same field (usage of credit card) in order to support this research study. The effort to form literature review was done by the information gathering from the internet, journals article and other sources such as past researches journals and articles that is vital to form the literature review. The purpose is to find out all the facts, data and information required to support the topic selected. Besides that, this chapter also includes the review of literature that explains the relationship between each independent variables and dependent variable. The third chapter presents the organized research methodology by explaining the research techniques used in the collection and analysis of the survey data. It includes designation framework, area of study, population sample size, data collection methods are also included, and identifying the variables that consist of dependent variables and independent variables.

Knowledge in Name of the Rose Essay -- English Literature Essays

Knowledge in Name of the Rose Knowledge was one of the most powerful tools of the middle ages. It was highly valued by many kings and members of nobility, but the greatest procurer of knowledge through the middle ages was undoubtedly the church. Their motive for the capturing of wisdom was not for their own enrichment, but predominantly self-preservation. If the general public were to get hold of such a wealth of philosophical and scientific works that were withheld in the monastic libraries then they would almost certainly begin to formulate their own religious ideas, therefore releasing the societal stranglehold the church held so tightly at that time. To survive the church had to keep the knowledge from the masses, and this is something that Umberto Eco has incorporated with finesse into his novel The Name of the Rose. Intertextuality, postmodernism, allusions and an array of interesting characters help to explain the state of education and the availability of knowledge in the middle ages. The labyrinth is one of the most important aspects to the portrayal of knowledge in The Name of the Rose. Its design and purpose are a brilliant metaphor to the churches desire to keep knowledge from the poor and powerless. The story of the labyrinth goes right back to a Greek myth, which tells of a beast with the head of a bovine and the body of a man, who was conceived of a woman and a snow white bull. It was confined to a labyrinth from which there was no escape without assistance. The concept that Eco uses in The Name of the Rose is very similar, except instead of guarding the Minotaur, Eco’s labyrinth guard’s books, the knowledge that could be the destruction of the church’s vice-like grip upon society. The minotaur wanted seven young maidens and seven youths per year to quench it’s appetite, and one year the Greek hero Theseus became sick of the killing and offered himself as a sacrifice to the bull, with the intention of killing it. He went in with a ball of string and a sword, the ball of string he used to trace his path back to the start when he had killed the Minotaur. There are distinct parallels between William, and the hero Theseus. William entered the library with the intention of getting at the contents that it was protecting from society, which of course were the books, just as Theseus entered the Minotaur’s labyrinth to rescue the young men and w... ...uld lead one to believe that Jorge is simply following the attitude of the church. This being that works which use methods to make their concepts especially easy to understand are very dangerous, and therefore they above all others should be prevented from circulation into society. Umberto Eco has made the theme of knowledge a central subject within The Name of the Rose, and the literary techniques he uses as well as his highly complex characters are highly successful in conveying the way knowledge was treated in the era of great power that the catholic church held. The use of Sherlock Holmes in an intertextual sense and the consequent post-modern aspects of his amalgamation within the story are especially clever methods which serve to provide a very interesting tangent to the novel. The Name Of The Rose can be taken both on surface value as a typical crime story and from underneath as a wonderful political piece that embodies the attitudes of the time whilst still maintaining it’s ironic edge as a Sherlock Holmes murder thriller set in the early 1300’s, 500 years before Doyle’s work, and written in the 1980’s, some 100 years later than the Holmes mysteries were first published.

Summary of World War Two Essay -- World War Two American History Essay

Summary of World War Two World War II is the name commonly given to the global conflict of 1939-1945. It is said to be the greatest and most destructive war in world history. The World War II military operations were conducted primarily in Europe but also in Asia, Africa, and the far islands of the Pacific as well. More than 17 million members of the armed forces perished during the conflict. It caused strain on the economic capabilities of the major nations and left many countries on the edge of collapse. The causes of WWII are too numerous and complex to be generalized. The following is said to be one of the main causes. At the end of WWI Europe was economically impoverished and politically divided. It faced the possibility of social revolution. During the early 1920's Europe experienced an economic depression and the course of European politics was determined largely by the communist revolution, which engulfed many countries. In the late 1920's Europe achieved a measure of economic recovery. However, all hope of political stability in Europe was shattered by the results of the depression that hit the United States in 1929. In the 1930's widespread unemployment and acute distress strained social relationships in Europe. The communist movement soon overwhelmed Europe. The triumph in 1933 of fascism, under the name of National Socialism, or Nazism, in Germany ended the threat of revolution in that country. However, the triumph of the Nazi leader Adolf Hitler would prove to be more disastrous as time passed. The German society was transformed into a totalitarian state, which had withdrawn from the League of Nations. The League of Nations condemned Germany's action for denouncing the Versailles Treaty, which provided the disarmament of Germany. Hitler wanted to establish Germany as the dominant nation in Europe and one of the leading economic, political and military powers of the world. Hitler's conquests would eventually lead to war. Essentially, the war was a conflict between two coalitions of states, designated the Axis Powers and the Allies or United Nations. The Axis Powers included Germany, Italy, Japan, and their satellites. The Allies consisted the United States, the United Kingdom, the Union of Soviet Socialist Republics, China, and their Allies. The war began with the invasion of Poland by Germany on September ... ...e Memorial will be located on the National Mall in Washington, D.C. at the Rainbow Pool site at the east end of the Reflecting Pool. It will lie between the Lincoln Memorial and the Washington Monument. The chosen location will mirror the historical importance and lasting significance of World War II to America and the entire world. Senator Bob Dole is the chairman of the national fund-raising campaign for the Memorial. The Memorial will be funded almost entirely by private contributions. The fundraising goal for the Memorial is $100 million. As of June 1999 approximately $60 million in donations had been received from corporations, foundations, veterans groups, civic associations, and states and individuals. The groundbreaking for the project is planned to begin on Veterans Day 2000. Works Cited History of WWII. World War II Overview Homepage. [On-line]. http://www.frontiernet.net. Bernice Altwegg, personal interview. 11/18/99. Ernest R. May. Between World Wars. Grolier Online Homepage. [On-line]. http://gi.grolier.com/wwii/wwii_2.html. The National World War II Memorial. World War II Memorial Homepage. [On-line]. http://www.wwiimemorial.com/.

Economics Essay -- Understanding Economics Essays

  Ã‚  Ã‚  Ã‚  Ã‚  Definition of Topic: Economics is the study of supply and demand. It defines the ways that human beings allocate resources and how resources are distributed amongst a market. It allows you to see trends in current market places and predict what may happen in the future. Many different subjects were once regarded as a part of economics. Political science and even sociology were once considered part of the field. These subjects still play a major role in understanding economics but are also completely separate disciplines today.   Ã‚  Ã‚  Ã‚  Ã‚  History: Since ancient times, humans have contemplated basic economic problems. Many great minds have tried to master the subject. Aristotle and Plato were probably the first to document such studies. Both agreed that living by trade was ill fated. Influenced by Greek economic ideals the Romans built their wealth. After the fall of Rome, the Catholic Church would become the power behind most economic laws. They would condemn usury and regarded commerce as inferior to agriculture.   Ã‚  Ã‚  Ã‚  Ã‚  It wasn’t until 1776 that economics became a study of its own. Adam Smith is considered the father of economics. Through his work Inquiry into the Nature and Causes of the Wealth of Nations, he used mercantilism and physiocracy to develop classical economics. Smith emphasized consumption, rather than production to broaden the scope of economics. Modern thought still follows his examples for permitting self-interest in order to promote national prosperity. This is most evident when looking at today’s smaller business market.   Ã‚  Ã‚  Ã‚  Ã‚  Twenty years later, Malthus would write a discouraging, but very influential book, An Essay on the Principle of Population. Malthus believed that the human race would eventually be doomed by overpopulation. His theory was that food would increase in arithmetic ratio but population would double every generation. This theory is faulty because it does not account for disease, famine, war, etc. Malthus’ view of supply and demand left a permanent impression on generations to come. It would hence be know as â€Å"the dismal science.†   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Next to revolutionize economics would be the Communist Manifesto in 1848. Karl Marx had the classical vision of capitalism, Marxism was in large measure a sharp rebuttal, but to some extent it embodied variations of classical themes. For Marx, the labor theory was a clue to the inner work... ...oss the country at many prestigious universities for economics professors. As an economics major, graduates could work for the National Institute of Health as an Operations Research Analyst, as an accountant (anywhere), or in almost any research or marketing opening. The Centers for Disease Control even require economists; they currently have positions open for post-doctorate fellowships. These are just a sampling of the job opportunities in the field and related fields of economics. With very little research, anyone interested in economics could find a plethora of interesting and challenging careers pursuable within the realm of economics. Works Cited The Columbia Electronic Encyclopedia Copyright  © 1994, 2000, Columbia University   Ã‚  Ã‚  Ã‚  Ã‚  Press. Licensed from Columbia University Press. http://www.careerbuilder.com searched (economics) http://www.infoplease.com/ce6/bus/A0816721.html http://www.whitehouse.gov/fsbr/employment.html Microsoft ® Encarta ® Encyclopedia 2002.  © 1993-2001 Microsoft Corporation. All rights reserved. Understanding Business. Nickels, William G. McHugh, James M. McHugh, Susan M. Copyright 2002 The McGraw-Hill Companies, Inc. New York, New York.

Life and Debt in the University Essay

Incurring debts while studying is never a pleasant experience. However, today’s increasing tuition and school fees, coupled with rising costs of living, have made indebtedness inevitable for many students. Although there are students who get heavily indebted from living frivolous lifestyles, most of the students I know usually had valid reasons of being compelled to avail of loans such as sickness and financial difficulties in their families. Pursuing higher education also meant independence for most students, and while some continued receiving financial support from their families, there are also those who chose to be completely on their own. Having to live independently and support myself, I usually had to take out a tuition loan during enrollment since I could not afford to pay school fees outright. Unfortunately, a debt is not something you enjoy having—or worse, accumulating—and it can have a tremendous effect on one’s well-being. Unless a student wants to spend his or her university life worrying about increasing debts, he or she must learn to manage his or her finances early on.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Indeed, it seems that debts have become a normal part of being a student. Whether a student likes it or not, soaring school fees and skyrocketing costs of living have made debts an inevitable reality. I think most of us have even become comfortable with the thought that we can take out loans from numerous sources like the university loan board, the bank, or even from personal contacts when it becomes necessary, such as when poor students like us run out of money for the rent and other personal needs. Getting into debt under such situations is understandable, but I do know some students who get cash-strapped from living beyond their means and are unnecessarily pushed into debt by their foolishness. Thus, a student should think first about the ways in which he or she will pay for her future debts before he or she starts having grand spending plans for that newly-acquired student credit card.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   On the other hand, students should know that getting into debt is the easy part. Getting out of it would be the difficult part and would certainly add to the stress of one’s university life. It is not as if the experience of a student who is neck-deep in debt would be different from the experience of other people in similar situations. Financial worries, in my opinion, may seem to be easy to solve but they can significantly distract a student from his or her academic responsibilities. I remember, for instance, being burdened by thinking so much about how I was going to pay off the tuition loan last semester that I often forgot my goal of getting good grades. Consequently, worrying about debts can also affect the psychosocial well-being of a student, sometimes even leading to major issues such as depression. Debts can compound other problems that a student may be experiencing, such as alienation from more well-off classmates and friends. There were times that I felt so bitter with my financial situation that I thought of dropping out from my studies and taking up a full-time job instead. Fortunately I had the support of encouraging friends who were either in similar situations or had gone through the same things before and we collectively held on to the belief and determination that we will somehow get over our problems. Thus, it was from these often painful and bitter experiences that I learned the plain and simple truth about debts and in the process of trying to maintain my sanity developed several coping mechanisms to manage debts. For instance, some of us tend to overlook the fact that debts do come with an additional interest on top of the principal and wait until the dreaded collection letter or notice comes instead of trying to settle debt obligations as early as possible. Paying off debts even in small increments saves us a lot of money in the long run since we avoid incurring more penalties. In the same manner, a student should avoid getting into more debts by spending according to a planned budget and within his or her allowance or income limit. A part-time employment can also be helpful in these times as a source of extra income for paying off one’s debts. In the end, there are times when getting into debt is inevitable, especially for students, but it can be an important learning experience in managing one’s finances.

Interpersonnel Communication Essay

I have interviewed two individuals namely, Ana G. and Cleavon I. with regards to my interpersonnel communication abilities. They will speak about my behavior/attitude towards the following: 1) comfort with other cultures; 2) listening style & ability; 3) non-verbal communication style; 4) communication gestures that I typically utilize; 5) comfort in personal relationship; 6) power displayed or conveyed in the personal relationship I am involved in. The following are excerpts from the actual interview: First Interview (Ana G. ) Interviewer (I): â€Å"Could you please briefly describe my attitude towards individuals who belong to other cultures? Do I appear to be comfortable around them? † Interviewee (Ana G. ): I have been with you for about a year already, and being a member of a cultural minority myself, I am happy to say that your treatment towards people like us is beyond belief. You have treated us fairly and you never showed bias making it obvious that you are comfortable being with people regardless of their race or culture (Ana G. , 2007). Interviewer (I): â€Å"Please comment on my listening skills and abilities†. Interviewee (Ana G. ). I appreciate the fact that you are an â€Å"active listener† (Landsberger, 2007). You focus and you listen for the sake of comprehending whatever it is that the person is talking about (Landsberger, 2007). Interviewer (I): â€Å"Do I possess any non-verbal ability? † â€Å"Do I exhibit such communication style? † â€Å"Could you please shed light on the communication gesture/s that I typically utilize? † Interviewee (Ana G. ): Yes. In fact, I have observed how you establish eye contact towards the people you speak to. Maybe that is the â€Å"flow of communication is regulated† (Stein et. al. , n. d. ). This is also why I feel your interest, concern, and tenderness towards me (Ana G., 2007). Interviewee: (I): â€Å"Did you ever feel any comfort in my personal relationship with you? † Interviewer (Ana G. ): Yes, indeed, I have felt reassurance as well that you could be trusted and can be relied upon in times of need (Ana G. , 2007). Interviewee (I): My final question is this, â€Å"did you ever see or experience a power displayed or conveyed in the personal relationship I am involved in? † Interviewer (Ana G. ): The fact that I am drawn to speak or listen to you shows the â€Å"power displayed or conveyed in the personal relationship† (Ana G. , 2007). This is the type of power that is not abusive; instead it is exceedingly helpful on my part (Ana G. , 2007). Second Interview (Cleavon I. ) Interviewer (I): â€Å"Could you please briefly describe my attitude towards individuals who belong to other cultures? Do I appear to be comfortable around them? † Interviewee (Cleavon I. ): We belong to the same culture, but I have observed how you deal with those who belong to other cultures. You go along with them very well as if you don’t feel any kind of discrimination or intolerance of prejudice towards them (Cleavon I. , 2007). Interviewer (I): â€Å"Please comment on my listening skills and abilities†. Interviewee (Cleavon I. ): Even if you do not always agree with what others tell you, I am happy that you still listen in spite of such fact (Cleavon I. , 2007). I am contented enough that you take the time to listen and understand someone else’s side just like what you have done to me in the past few months that we have been working together (Landsberger, 2007). Interviewer (I): â€Å"Do I possess any non-verbal ability? † â€Å"Do I exhibit such communication style? † â€Å"Could you please shed light on the communication gesture/s that I typically utilize? † Interviewee (Cleavon I. ): Of course, you possess such. In fact, you have shown me this countless times already (Cleavon I. , 2007). Your facial expressions which include smiling made me feel that you like me somehow, that you are a true person & friend to me, and that you are happy conversing with me (Stein et. al. , n. d. ). I know that this is why we always carry out better communication as compared with my conversation with others (Cleavon I. , 2007). Interviewee: (I): â€Å"Did you ever feel any comfort in my personal relationship with you? † Interviewer (Cleavon I. ): Yes, in fact speaking with you and just being with consoles/soothes/relieves me always (Cleavon I., 2007). There has never been a dull moment with you and I greatly appreciate that (Cleavon I, 2007). Interviewee (I): My final question is this, â€Å"did you ever see or experience a power displayed or conveyed in the personal relationship I am involved in? † Interviewer (Cleavon I. ): Yes, I felt that ‘power’ when you speak to me (Cleavon I. , 2007). You inspire me to great heights; that is the power that you have over me (Cleavon I. , 2007). References Ana G. (2007). Personal Interview. Cleavon I. (2007). Personal Interview. Landsberger, J. (2007). Active Listening. Retrieved December 10, 2007 from http://www.studygs.net/listening.htm