University of North Carolina at Greensboro Admissions

College of North Carolina at Greensboro Admissions The University of North Carolina at Greensboro (UNCG) is a to a great extent open state funded college. The school had an acknowledgment pace of 74â percent. Conceded understudies will in general have grades in the B range or better, and SAT/ACT scores that are normal or higher. The application has a discretionary exposition (an article is required for college grant candidates). Note that a few majors and expert schools at UNCG have extra application requirements. Calculate your odds of getting inâ with this free device from Cappex. UNCG Description UNCGs home of Greensboro is a city of about a quarter million individuals that stands halfway among Atlanta and Washington D.C. The 210-section of land beautiful grounds includes an assortment of compositional styles. Investigate the grounds with the University of North Carolina Greensboro photograph visit. The University of North Carolina at Greensboro has aâ student/workforce ratioâ of 17 to 1 and a normal class size of 27. For its qualities in the aesthetic sciences and sciences, UNCG was granted a part of the prestigious Phi Beta Kappaâ honor society. On the social front, UNCG has around 180 understudy associations. In sports, the UNCG Spartans contend in the NCAA Division I Southern Conference. Affirmations Data (2016) Percent of Applicants Admitted: 74 percentGPA, SAT and ACT Graph for UNCG AdmissionsTest Scores 25th/75th PercentileSAT Critical Reading: 480/570SAT Math: 470/560SAT Writing: -/ - What these SAT numbers meanSouthern Conference SAT score comparisonSAT scores for NC campusesACT Composite: 21â /25ACT English: 20â /25ACT Math: 19/25ACT Writing: -/ - What these ACT numbers meanSouthern Conference ACT score comparisonACT scores for NC grounds Enlistment (2016) All out Enrollment: 19,647â (16,281 undergraduates)Gender Breakdown: 34 percent male/66 percent female87â percent full-time Costs (2016-17) Educational cost and Fees: $6,971â (in-state); $21,833 (out-of-state)Books: $956 (why so much?)Room and Board: $9,934Other Expenses: $2,224Total Cost: $20,085 (in-state); $34,947 (out-of-state) UNCG Financial Aid (2015-16) Level of New Students Receiving Aid: 84 percentPercentage of New Students Receiving Types of AidGrants: 67 percentLoans: 67 percentAverage Amount of AidGrants: $8,460Loans: $5,827 Scholarly Programs Most Popular Majors: Biology, Business Administration, Elementary Education, English, Exercise Science, Human Development and Family Studies, Nursing, Psychology, Social Work, Speech and Rhetorical StudiesWhat major is directly for you? Sign up to take the free My Careers and Majors Quiz at Cappex. Graduation, Retention and Transfer Rates First Year Student Retention (full-time understudies): 76 percentTransfer Out Rate: 22 percent4-Year Graduation Rate: 30 percent6-Year Graduation Rate: 54â percent Intercollegiate Athletic Programs Mens Sports: Tennis, Soccer, Golf, Basketball, Baseball, Track and FieldWomens Sports: Basketball, Golf, Softball, Volleyball, Track and Field, Tennis In the event that You Like UNCG, You May Also Like These Schools: UNC Chapel Hill: Profile | GPA-SAT-ACT GraphUNC Charlotte: Profile | GPA-SAT-ACT GraphUNC Wilmington: Profile | GPA-SAT-ACT GraphEast Carolina University: Profile | GPA-SAT-ACT GraphWestern Carolina University: Profile | GPA-SAT-ACT GraphHigh Point University: Profile | GPA-SAT-ACT GraphNorth Carolina State University: Profile | GPA-SAT-ACT GraphWake Forest University: Profile | GPA-SAT-ACT GraphNorth Carolina AT: Profile | GPA-SAT-ACT GraphAppalachian State University: Profile | GPA-SAT-ACT Graph Information Source: National Center for Educational Statistics

Gender and Society :: Gender Society Sexism Essays Papers

Society has stepped a picture into the psyches of individuals of how the job of every sex ought to be played out. There are two perceived sorts of sex, a man and a lady, anyway there are numerous kinds of sex jobs a man or a lady may accept or be set into by society. The thoughts of how one should act and act are as a rule attributed by their sex by society, however these credited statuses and jobs are once in a while un-invited, and individuals will expect who they need to be as people by conflicting with the generalizations set out by society. This paper will look at these jobs regarding how society sees people characteristically, and how people see themselves and each other as far as generalizations that are commonly credited, just as their own assessments with a study managed to ten people. What I would like to demonstrate is that regardless of generalizations assuming a transcendent job inside our general public, and accordingly affecting what individuals accept about one anothe r as far as their equivalent and inverse sexual orientations, individuals inside our general public can conflict with these attributed generalizations and be who they need and it be alright. Through utilization of the review and my very own history managing sex generalizing I want to give a reasonable thought with respect to how generalizations envelope our general public, and how individuals and breaking liberated from those generalizations to be increasingly individualistic. The contrasts among ladies and men are not exclusively organic. Our society’s culture has built up a lot of unwritten social laws of how every sexual orientation should act, or as such society has credited a generalization. Men’s sexual orientation personality has been one of manliness, and manliness is characterized as alluding to a man or things depicted as masculine. What does masculine mean however? Is a male masculine on the off chance that he is â€Å"Mr. Fix-it†, or the muscle head, or in the event that he sits on the sofa on Sunday watching football? This last explanation is a generalization of men, that has been around for quite a long time, and is current too, yet beginning with the 1960’s a man’s job began to change, notwithstanding the generalization not changing to suit it. For as long as 40 years one can perceive how men have taken on jobs characteristically credited to ladies, such jobs including being the â€Å"stay-at-home mom†, which we can locate a great case of in the 1980’s film â€Å"Mr.

Civil Liability Act Liability Act

Question: Talk about the Civil Liability Act for Liability Act. Answer: Presentation: The offended party here got some cash because of a brilliant handshake in the wake of choosing to resign. The absolute aggregate of which is $500, 000, which she plans to put resources into land. After being drawn nearer by respondent 1 with a proposition of Sure-thing Property Development Pty Ltd (Sure-thing), a property improvement venture on a little island of Moreton Bay, offended party goes to her money related consultant, George to discover the possibility and gauge the benefits or misfortunes for the arrangement. Respondent 1 guarantees the offended party of significantly increasing the speculation sum in time span of a half year. As George requests a month to audit the organization and the task just as a whole of $12, 000 to chip away at the monetary report, offended party goes to her companion, litigant 2 for guidance. Litigant 2 is an understudy of bookkeeping and money related arranging at Griffith University, and encourages the offended party to proceed with the speculati on subsequent to experiencing the records of Sure-thing for no charges or expenses. Offended party contributes a total of $500, 000 in Sure-thing, missing out on the venture soon because of liquidation of the organization. Numerous a reports distributed in different money related and land diaries recommended the disadvantageous situation of Sure-thing and cautioned against the monetary difficulties in the organization. An intriguing choice is to be taken whether a case against respondent 1 and litigant 2 holds water for the offended party. Offended party's case against the litigants Offended party can advance a case of bad behavior and misdirecting against both the litigants. For litigant 1, Angie, the case would be according to Competition and Consumer Law Act 2010 - Schedule 2, 37-21(Commonwealth Consolidated Acts, 2010). As the subsection expresses, an individual can be considered to have misdirected about a business movement as making a portrayal that: Is bogus or misdirecting in a specific issue; Concerns the benefit, hazard and material part of any business movement: By the individual's welcome (either by publicizing or some other methods That requires work by execution of others, or venture by others. Respondent 1 can be discovered obligated since she moved toward the offended party and offered assistance in putting the whole in Sure-thing. Since the subsection states obviously that respondent 1 enjoyed offering administrations under falsification subject to peer survey. This turns into an instance of relinquishing standard consideration for professionals2 (Civil Liability Act 2003 - SECT 22 standard of care for experts, 2003). As obviously expressed, an expert is at risk to the penetrate of an obligation on the off chance that they swear off the friend proficient feeling except if opposite prosecution, enactment is available. For this situation, there was sufficient proof accessible to demonstrate that the interest in Sure-thing was not sound because of the organization's risk. In such conditions, the standard consideration obligation by litigant 1 guarantees educating the offended party about the sensible hazard engaged with contributing the money.3 (CIVIL LIABILITY ACT 1936). L itigant 1 owes an obligation of care as an expert duty.4 (CIVIL LIABILITY ACT 2003 - SECT 28 use of pt 2, 2003). The offended party has the onus to demonstrate: Genuine causation: Breach of obligation was vital for the mischief to happen Scope of risk: By the respondents (CONSUMER LAW SECT 18 Misleading or beguiling behavior, 2010). The offended party can document an instance of carelessness with respect to the litigants, all the more so with respect to respondent 1(a expert). For respondent 2, the label proficient doesn't work out to be valid since he is yet to finish instructive conventions and practice the calling. In such situations when respondent 2 doesn't charge any cash for the counsel, there is next to no risk on him. Obligation against respondents On the off chance that the respondents are discovered dependable as indicated by law, they are to be presented with fines to repay the misfortunes made by the offended party. Aside from the satisfaction of harms caused to the offended party by respondent 1, the litigant will likewise be addressed for the amateurish morals and mistakes of judgment. On the off chance that the respondent is seen as of false nature, the charges would be for duplicity and not of carelessness. In such a case, respondent 1 is obligated to pay fines and harms to the offended party. Carelessness guarantee by the litigants with respect to the offended party Prior cases can be found to recognize the requirement for obligation of care6(Perre v Apand Pty Ltd [1999] HCA 36, 1999) For the situation of the litigants, there is trust as different practices and law making that can be effectively used to either show that the offended party was adequately cautioned about the sufficiency of the venture before putting forth it(in this defense, this isn't appropriate since respondent 1 rather prompted the offended party that the speculation will significantly increase in a half year), or to effectively demonstrate the friend proficient assessment about Sure-thing wrong(another simple choice as Sure-thing is up for liquidation guaranteeing the lie of the case that the organization is monetarily steady). In such a condition, the main choices for the litigants are: Onus of Proof: The offended party is at risk to demonstrate the real factors of causation in the case7 (CIVIL LIABILITY ACT 2003 - SECT 12 onus of confirmation, 2003) Contributory Negligence: The offended party can be blamed for contributory carelessness as the danger of interest in land is a normally known fact8 (CIVIL LIABILITY ACT 2003 - SECT 23 standard of care according to contributory carelessness, 2003) In such conditions, the respondents need to demonstrate that there is sensible predictable hazard in putting any total in land markets, and the offended party is in a place of judging whether the organization they are putting resources into is monetarily stable or not. The offended party probably won't have been a monetary master who can make sense of the asset reports of Sure-thing, yet a sensible daring individual could have considered perusing of some material open by them about the organization. The offended party can for this situation be held at risk for contributory carelessness. Truth be told, a similar standard of care applies to the offended party to investigate yet protect their own enthusiasm as they apply to the litigants. In a condition where the offended party is discovered capable of contributory carelessness, their case to harms can be defeated9 (CIVIL LIABILITY ACT 2003 - SECT 24 contributory carelessness can vanquish guarantee, 2003). End To finish up, it very well may be noticed that the litigant hold as much case to non harm as the offended party holds guarantee to harm. The assumption of the offended party about the money related and bookkeeping capacities of respondent 2 would be profoundly estimated and in certainty administered by feelings. In addition, division of sentiments and realities for the situation would empower us to see that litigant 2 could demonstrate that the guidance given to the offended party was in compliance with common decency, and was a genuine belief instead of a demonstrated certainty, and could end up being a distinction among feeling and actuality as observed in As observed in Fitzpatrick and others versus Michel10 (Fitzpatrick and others v Michel [1928], 1928). With respect to litigant 1, proficient obligation requests a reasonable and impartial introduction of realities if there should be an occurrence of predictable hazard, which was not followed, along these lines welcoming a penetra te of standard consideration. Same could be anyway said for the offended party, as she can be considered responsible for contributory carelessness as no examination was done from her end on the dangers and liabilities if there should arise an occurrence of putting cash in land. List of sources Common LIABILITY ACT 2003 - SECT 22 standard of care for experts. (2003). Recovered September 27, 2016, from bit.ly/2d1bMrf Deceiving conduct with regards to the nature and so forth of administrations. (2010). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/cth/consol_act/caca2010265/sch2.html#_Toc448153223 ounsel, O. of P. (2006, July 1). South Australian enactment. Recovered September 27, 2016, from https://www.legislation.sa.gov.au/LZ/C/A/CIVIL%20LIABILITY%20ACT%201936.aspx Common LIABILITY ACT 2003 - SECT 28 use of pt 2. (2003). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/qld/consol_act/cla2003161/s28.html Deceiving or misleading behavior. (2010). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/cth/consol_act/caca2010265/sch2.html#_Toc448153198 Perre v Apand Pty Ltd [1999] HCA 36. (1999, August 12). Recovered September 27, 2016, from https://jade.io/article/68136 Common LIABILITY ACT 2003 - SECT 12 onus of evidence. (2003). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/qld/consol_act/cla2003161/s12.html Common Liability Act 2003 - SECT 23 standard of care comparable to contributory carelessness. (2003). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/qld/consol_act/cla2003161/s23.html Common LIABILITY ACT 2003 - SECT 24 contributory carelessness can crush guarantee. (2003). Recovered September 27, 2016, from https://www.austlii.edu.au/au/legis/qld/consol_act/cla2003161/s24.html Fitzpatrick and others v Michel [1928]. (1928). Recovered September 27, 2016, from bit.ly/2cACQ2g

Essay Topic Sample - A Great Place to Start Researching

Essay Topic Sample - A Great Place to Start ResearchingIf you have finished writing an essay on a topic that you are interested in, it is important to research the topic and a good way to do this is by finding an essay topic sample. The essay topic sample will give you some ideas on what topic you should be writing about and how you should approach it.You can find a topic sample in a variety of places. These include from other college students, online resources, library books, and magazines. It is important to use an essay topic sample in order to research a topic.You will also need to know what you want to say in your essay and the topic that you feel will best showcase the information you have collected. By knowing the information that you have gathered, you will be able to create a great outline for your essay.Researching a topic is a good idea because you will be able to get ideas on where to start your research. Researching gives you some information that you can use as you rese arch. This includes using websites that will show you how to research topics.A good way to research your topic is to start by looking at a few topics related to your interests and gather information that relates to your topic. For example, if you like to read books, take a look at some reading suggestions and see which ones you enjoy reading and which ones you like to visit a bookstore.You may also want to consider a list business such as the Consumer Reports that give you a list of topics that you can write about. This will help you develop your topic while also helping you to think of a better topic to write about.Writing an essay topic sample is a great way to learn more about writing an essay. If you find that you do not know much about writing an essay or have trouble coming up with ideas for a topic, a topic sample will provide you with a great place to start writing.

10 Tips on How to Write a Professional Email

Despite the popularity of texting and social media, email remains the most common form of written communication in the business world—and the most commonly abused.  Too often, email messages snap, growl, and bark—as if being concise meant that you had to sound bossy. Not so. Consider this email message recently sent to all staff members on a large university campus: It is time to renew your faculty/staff parking decals. New decals are required by Nov. 1. Parking Rules and Regulations require that all vehicles driven on campus must display the current decal. Slapping a Hi! in front of this message doesnt solve the problem. It only adds a false air of chumminess. Instead, consider how much nicer and shorter—and probably more effective—the email would be if we simply added a please and addressed the reader directly: Please renew your faculty/staff parking decals by November 1. Of course, if the author of the email had truly kept readers in mind, they might have included another useful tidbit: a clue as to how and where to renew the decals. Using the email about the parking decals as an example, try incorporating these tips into your own writing for better, clearer, more effective emails: Always fill in the subject line with a topic that means something to your reader. Not Decals or Important! but Deadline for New Parking Decals.Put your main point in the opening sentence. Most readers wont stick around for a surprise ending.Never begin a message with a vague This—as in This needs to be done by 5:00. Always specify what youre writing about.Dont use ALL CAPITALS (no shouting!), or all lowercase letters either (unless youre the poet E. E. Cummings).As a general rule, PLZ avoid textspeak (abbreviations and acronyms): You may be ROFLOL (rolling on the floor laughing out loud), but your reader may be left wondering WUWT (whats up with that).Be brief and polite. If your message runs longer than two or three short paragraphs, consider (a) reducing the message or (b) providing an attachment. But in any case, dont snap, growl, or bark.Remember to say please and thank you. And mean it. For example, Thank you for understanding why afternoon breaks have been eliminated is prissy and petty. Its not polite.Add a signature block with appropriate contact information (in most cases, your name, business address, and phone number, along with a legal disclaimer if required by your company). Do you need to clutter the signature block with a clever quotation and artwork? Probably not.Edit and proofread before hitting send. You may think youre too busy to sweat the small stuff, but unfortunately, your reader may think youre a careless dolt.Finally, reply promptly to serious messages. If you need more than 24 hours to collect information or make a decision, send a brief response explaining the delay.

Organizational Culture and Its Counterculture - 2113 Words

1. The authors Joanne Martin and Caren Siehl are focusing on organizational culture and its counterculture. The definition given by the authors for counterculture states that counterculture will most likely arise in a strongly centralized organization that has allowed a reasonable decentralization of authority to take place. The article assumes that cultural systems can emphasize as well as sustain the objectives of the firm’s top management. The main argument here is that in addition to serving integrative functions, culture can express disagreement and address needs for segregation among organizational elements. As a replacement for thinking culture is a huge phenomenon, they explore counterculture’s uneasy symbiotic relationship with†¦show more content†¦All the dà ©cor was standardized. In GM if an employee was invisible he was a â€Å"team player†. They engage in public, symbolic acts of conformity to show they are team players. The third core valu e to the GM way of life was loyalty to one’s boss. They were all expected to be loyal to their bosses and not question them or even point out their wrong doings. One of the examples given was, GM retirement dinner, in this retirement dinner they pay tribute to the retiree by telling his journey story in the past years in GM. These dinner instilled mutual respect, admiration and loyalty. It was important for GM to tell the stories of their retiring employees, simply because these stories were true and shows a sequence of events in the company’s history. In one case, DeLorean did not go to pick his boss up from the airport, which was a ritual followed by all GM employees, what happened was DeLorean’s boss was furious and expected DeLorean to not repeat it ever again. In the retirement dinner, they reward the retiree for the past tasks done by ensuring future loyalty, so in DeLorean’s case he would be marked by the others and may be seen as someone who isnâ €™t a team player. The counterculture to these dominant cultures can be seen by DeLorean’s actions. There are three areas to it; the first is questioning deference to authority. DeLorean kept creating stories that were being questioned by other employees, because one storyShow MoreRelatedThe Existence of Different Types of Cultures1092 Words   |  5 Pages　　Every society has a culture, in fact, every human being is cultured. In our daily usage of the word culture, we often just refer it as a custom or tradition of certain group of people, or else the higher desirable quality we can acquire after paying a hard effort such as playing piano. However the definition of culture is not as simple as that but it refers to countless aspects of life which include every simple elements at whole (Linton, 1945). In general, the social scientists often refer toRead MoreA Brief Analysis Of the Counterculture Movement of the 1960s2857 Words   |  12 Pagessense, the coun terculture refers to the culture, especially of young people, with values or lifestyles in opposition to those of the established culture in the dictionary. Until its appearance in 1969 in Theodore Roszaks influential book, The Making of a Counter Culture, counterculture, written as one word or two, has become the standard term to describe the cultural revolt of the young. Although distinct countercultural undercurrents exist in all societies, here the term counterculture refers toRead MoreIntegrating Culture and Diversity in Decision Making: The CEO and Organizational Culture Profile941 Words   |  4 PagesIntegrating Culture and Diversity in Decision Making: The CEO and Organizational Culture Profile BUS520 Examine the culture of the selected organization. Explain how you determined that the selected organization showed the signs of the culture that you have identified. Determine the factors that caused the organization to embody this particular culture. Determine what type of leader would be best suited for this organization. Support your position. Imagine that there is a decline inRead MoreIntegrating Culture and Diversity in Decision Making Essay1138 Words   |  5 PagesIntegrating Culture and Diversity in Decision Making: The CEO and Organizational Culture Profile BUS 520 - Dr. Joy Lee Story August 3, 2013 1. Provide a brief (1 paragraph) description of the organization you chose to research. Zappos was founded in 1999 during the dotcom boom by Nick Swinmurn [ (Twitchell, 2009) ] on a quest to buy a pair of sneakers at a local mall. It has grown in to a 1.2 billion dollar subsidiary of Amazon.com and a leading on-line provider of everything from shoesRead MoreThe Development Of Rock And Pop Music Festivals1501 Words   |  7 Pagesdevelopment on rock and pop music festivals emerged in the late 1960s from the open-air festivals in the late 1960s and early 1960s which hence, gave birth to the National Jazz Federation in 1961. The late 1960s saw an evolution of underground or hippie counterculture which was propped up commercially by the booming fashion business and by an international student and youth movement which provided a ready audience ( Clarke, 1982, p.25). Dressing up, however became an essential aspect of the music festivalsRead MoreOrganizational Culture Organizational Behavior Diversity1622 Words   |  7 PagesORGANIZATIONAL CULTURE ORGANIZATIONAL BEHAVIOR DIVERSITY COMMUNICATION ORGANIZATIONAL BEHAVIOR AND GROUP DYNAMICS MGT/307 July 20, 2010 Organizational Culture is the system of shared actions, values, and beliefs that has developed within an organization and guides the behavior of its members. Organizational Development consists of special applications of knowledge gained from behavioral science to create a comprehensive design to improve organizational effectiveness. Through the collectiveRead MoreChap01618225 Words   |  73 Pagesï » ¿Chapter 16 Organizational Culture    True / False Questions    1. Organizational culture shapes and reinforces certain employee attitudes and behaviors by creating a system of control over employees.      True  Ã‚  Ã‚  Ã‚  False    2. Symbols, rituals, and espoused values are three major types of observable artifacts.      True  Ã‚  Ã‚  Ã‚  False    3. Physical structures say a lot about a culture.      True  Ã‚  Ã‚  Ã‚  False    4. Ceremonies are the daily planned routines that occur in an organization.      True  Ã‚  Ã‚  Ã‚  False    5. EspousedRead MoreCyber Software, Inc.1503 Words   |  7 Pagesthose clients and help them to repair the damage that was caused by this data breach. This new department will even reimburse those clients that have been attached by enrolling them in an identity theft program which will be free off charge. The organizational structure that aligns with the vision of Joseph Jackson is work simple structure, which gives empowerment to the individual when it comes to making decisions, it also has low degree od departmentalization. He did not want to add the new departmentRead MoreHow The Institution Is Falling Short Of Creating A Welcoming Environment For Minority Students1534 Words   |  7 Pagesthe committee’s conversations should examine which current multicultural initiatives are being utilized and which are more symbolic. Williams offers, â€Å"Many institutional diversity initiatives are largely symbolic and fail to deeply influence organizational culture and institutional behavior† (as cited in Pope, Reynolds, Mueller, pg. 7). The implications of having these critical conversations are that there will be greater buy-in and understanding of how each individual contributes to the overallRead MoreHow Effective Is A Corporate Culture1926 Words   |  8 Pagesmission and purpose. Corporate culture is a relevant force within organizations and satisfying employee’s needs are becoming more relevant to retention, as well as aligning an organizations shared values. Organizations have a leader and then there is a trickle down of leaders (also followers) to the lowest end of the totem pole. How effective is a corporate culture from the top to the bottom? An organization may create a corporate culture, but how effective is that culture with employee satisfaction

Marketing Plan Of HSBC Credit Cards - Mission And Objectives

Question: Describe about the Marketing Plan for HSBC Credit Cards in Australia? Answer: Executive Summary There was a time when marketing was considered as a secondary function in an organization. With globalization, organizations have expanded in far of places and with this organizations have realized the importance of marketing. Today, marketing is considered as a critical organization function. The nature of marketing has also changed in recent times. There was a time when focus was more on the transactional marketing. With advancements in tools and technologies the focus of marketers has shifted to relationship marketing. The need of marketing is felt by organizations in different industry verticals. With globalization and internationalization and spread of technology there has been an exponential growth and expansion in financial industry. In recent times, credit card has emerged as a crucial financial product. The competition has been all time high in credit card industry. Therefore it is important that credit card firms should also realize the importance of marketing. The report has been developed as the marketing plan for HSBC Credit Cards in Australia. The report identifies the marketing mix of credit cards and based on the analysis it can be said that the Product element is the key. The report identifies that one of the most important role of marketers is to bridge the gap between customers expectations and management perception of customers expectations. Segmentation, Targeting and Positioning is the basis of any marketing plan. The report highlights the important segments for Australian market that should be targeted by the company. As a part of this marketing plan certain marketing objectives are also set and the budget for the marketing plan is also developed. This marketing plan would be useful for HSBC to take their decision about Australian market and this would also help the company to develop their marketing strategy in Australia. Introduction HSBC Credit cards are the part of HSBC Finance Corporation. HSBC Credit cards operate in global market and it has its presence in different parts of the world. It has good presence in markets of Australia, USA and also in emerging economies like India. In this era of globalization, competition is very high in financial industry also. Credit cards are important financial products that have made life easy for number of customers. Companies may not be willing to offer credit card to all the people due to risks involved. Therefore marketing of credit card is a difficult task in itself (Towill, 2009). The marketing plan of any credit card company has to focus on effective segmentation and targeting. It is also important that the marketing plan of companies like HSBC Credit Card should have effective communication channel. The cost of shifting from one vendor to another should not be high and the marketing strategies of Credit Card should detail down the unique things of the card. It can b e said that it is difficult to attain a level of differentiation because all the credit cards companies offers good benefit to customers. Therefore marketing plan has to be lucrative that can attract customers. Product attributes are definitely important features of HSBC Credit card. However, the role of marketing cannot be denied. Even it can be said that the marketing plan of HSBC Credit card should also involve a level of personal selling. A lot could also depend on the way customers are getting enrolled in the program. The objective of this paper is to develop the marketing plan for HSBC credit card, Australia. The marketing plan would focus on all the attributes of marketing, market development and customer relationship marketing. The objective of this marketing plan would be to ensure that HSBC Credit cards could be positioned successful in Australian market. Vision, Mission and Objective For any organization, it is important to have a mission, vision and objective in place. It is important that the marketing plan of HSBC Credit cards should be in line with the vision and mission of the company. The vision, mission and objective for HSBC Credit cards can be discussed as: Vision To help customers to buy their dreams It is a small but meaningful vision statement. The vision is to help customers so that customers can get more purchasing power. Mission To emerge as the best credit card company in Australia with respect to volume of customers The mission statement of HSBC Credit cards is to ensure that it can emerge as a market leader in Australian market. Objectives The specific objectives of HSBC Credit cards can be listed as: To have maximum penetration in the Australian market with respect to competitors. To capture at least 40% of Australian credit card customer base in next 3 years. To focus on default rate. The policies and strategies should ensure that default rate is minimal. The customer satisfaction should be high. The support service should be available 24X7 and customers should be able to interact with customer care executives and get their queries solved. Macro environment Macroeconomic factors are those factors that relate specifically to the broader or wider economy at a regional level or a national level. Such factors affect a much larger population as opposed to a small number. For any credit card company, it is important to have an understanding of the macro economic factors (Lee, 2009). The macro economic factors would include the market conditions of Australia, industry analysis of Australia etc. The macro environment analysis and the market dynamics of Australia can be discussed as: Economic Growth Economic growth is a very important macroeconomic factor that can be used as an indicator by HSBC Credit card to analyse the way economy is moving in Australia. It can be said that Australia in undergoing a decent economic growth and this economic growth should facilitate the penetration of credit card companies. Economic activity is not constant and can change rapidly, thereby affecting the business. Therefore, HSBC has to continuously watch the economic activities in Australia. The economic activities in Australia suffered a setback in 2008 due to global recession. However, Australia is still less risky market as compared to American market. It is expected that credit card business should be a good business in Australia and HSBC should be able to realize good benefits it can get hold of economic factors. Inflation The disposable income of customers is directly linked to inflation rate in the country. Customers may not be willing to spend much using credit cards if the rate of inflation is high. The current inflation rate in Australia is under control. The inflation stands around 2%. People would not feel much challenges if the rate of inflation remains controlled. The inflation rate of Australia was not good in the period of 2008 to 2010 (Martin, 2010). However, the conditions have improved now and with the current inflation rate of 2%, HSBC should not have much of the problem to expand their credit card operations in Australia. The inflation trend of last 10 years in Australia can be shown as: Interest Rates Interest rates also determine the disposable income of customers. Customers may not be able to invest much when the interest rates are high (Sarkis, 2005). The government of Australia has focused to balance on the saving and lending rates so that customers can spend and to saving also. The interest rates factors in Australia are also a good factor for HSBC to expand its credit card business in Australia. Employment The credit card companies have good chance of survival when the employment rate is high. It is one of the reasons that credit card companies have good amount of business operations in developed countries as compared to their operations in developing countries. As per the figure of 2014, the unemployment rate in Australia is only 6.1%. It is a good unemployment rate and it means that there are huge prospects for HSBC Credit card in Australian market. Target market description Segmentation and Targeting is the most important thing in any marketing plan. It is important that the product should be targeted to segmented market effectively. Typically, the targeted market could be selected based on age, gender, income or any other parameter. In this case of credit card, the target market should be selected primarily on the basis of income (Scherhorn, 2010). The disposable income of the customers should be the prime criteria for credit card. The target market for HSBC Credit card would be people in the age group of 20 to 60 years, who are earning. It would include both single and married people. One of the prime objectives to select the target market would be to target the earning people so that the risk of bad debt could be minimized. It would include the business people and the service people. It is important that HSBC should do the background check of all the customers before providing any credit card. The target market of HSBC credit card should also involve the spouses of earning people. To avoid the risks, HSBC should not provide credit cards to the people who are not earning as one of the important considerations for credit card companies is bad debt. The target market selection would not be an easy strategy for HSBC credit cards division and the company should perform effective internal and external analysis before deciding upon the target market. One of the important things for HSBC would be to identify the needs of customers. The target market for HSBC Credit card group in Australia would be a group that uses credit cards for shopping and other purposes. The target market penetration for HSBC would also depend on the market development. It can be said that Australian market is a matured market with respect to credit cards and people in Australia prefers plastic money to perform shopping (Aksoy, 2008). It is also important to mention that the product (credit card) is already an established product in Australian market. The competition is already high in this industry. It is important that HSBC would have to focus on its target market in an intelligent way. To approach the target market, HSBC should perform external market analysis. Porter 5 forces analysis and PESTEL analysis would be a god tool for HSBC. In fact the features of the product (Credit Card) would also depend on the way target market can be identified. The segmentation, targeting and positioning for HSBC Credit card business in Australia shoul d be based on industry analysis and the analysis of competitors. It would be good if HSBC can study the marketing strategy of top three firms in Australian market. Also, HSBC can also analyze the segments of top 3 competitors. It would help HSBC to realize the segments that are being widely targeted by credit card companies. Marketing segment table The marketing segment table for HSBC Credit card would help to realize the characteristics of different segments of HSBC credit cards in Australia. It can be shown as: Segment 1 Segment 2 Segment 3 Segment 4 Geographies Urban population= 100%, Rural population= 0% Urban population= 100%, Rural population= 0% Urban population= 100%, Rural population= 0% Urban population= 100%, Rural population= 0% Demographics Age group of 20 to 55 years Female married women with age group of 20 to 55 years Business man/ women who have taken self-retirement or are retired with age group of 40 to 70 years Senior citizens with age group of 55 to 75 years Socioeconomics Earning member of the family with annual income of individual more than AUD 20,000 Earning/ Non-earning member of the family with the annual income of family more than AUD 25,000 Non-earning member with the savings of more than AUD 200000. Earning/ Non-earning Australian citizens on Pension plan or some tangible assets Psychographics High earning individuals High earning family High earning individuals Senior citizens Behavior Easiness Necessity Luxury Ease of use Benefits Convenience Convenience, Flexibility Convenience, Flexibility Convenience Competitive analysis As discussed above, the competition is really high in financial and credit card industry. There are lots of players that operate in Australian market. One of the objectives for HSBC would be to come up with features so that the products of HSBC could be rated better than the products of competitors (Majumdar, 2010). The competitor information would help HSBC to develop its expansion strategy in Australian market. The competitive audit chart for HSBC Credit card can be discussed as: Competitive Audit Chart Core Products Facilitating Products Strengths Weakness Value Existing competitors ANZ Low interest rate credit card Lowest annual fee ($58) among all the cards Interest rate of only 13.49% p.a. Cash advance rate is very high Value for customers who do not want to pay much interest and are money cautious Westpac Low interest rate credit card Low annual fee ($59) and Establish brand in Australian market Cash advance rate is very high It is get this card. The value for customers is ease of use New competitors Amex Credit card with high limit Large acceptancy among merchandise Establish brand in Global market This card is expensive to use, annual fee is also high Brand value of the product is the value delivered to customers Citi Credit card with good rewards points Cash back offers are very good and attractive Large network of Citi Bank Limited cash withdrawal limit every month Value for money is the positioning from Citi, that is the customer value SWOT analysis SWOT analysis is a simple yet powerful tool for HSBC to develop strategies in Australian market. SWOT analysis would help HSBC to have an understanding of internal capabilities and have understanding of external factors. Strengths Established brand in international market Large company that can scale up quickly Got the ways to make initial investment Weaknesses Large company so it has inflexibility Lot of rules driven and hierarchy driven Threats Uncertain market dynamics in credit card and financial industry Opportunities Large Australian market Increasing demand of credit cards Marketing Objectives It is very important for organizations to have marketing objective in place. Developing the marketing plan without marketing objectives is like driving the car without control in place. The three most important marketing objectives for HSBC Credit Card in Australia can be discussed as: M1: To get the 10% market share by the end of year 1 and to increase this market share to 25% by the end of year 3. M2: To focus on penetration in initial 1 year. It would mean to develop attractive plans for customers. The growth rate should be 20% in initial 5 quarters M3: The focus would not be in profit level in the first year. After first year, company should have a profit growth of minimum 12% Marketing Strategy Typically any marketing strategy would be based on 4Ps of marketing. These 4Ps would include Product, Price, Place and Promotion. It is a combination of these elements that would decide the overall marketing strategy. The marketing element mix for HSBC Credit cards in Australia can be discussed as: Product It can be said that product is the most important element of the marketing mix. The Australian customers would eventually buy the credit cards if they get the value for money. It is important that the company should develop the product based on the product of competitor (Evans, 2012). This strategy is known as outside-in approach of strategic management. This approach is recommended, because market is already matured. Price The price of the product could be the game changer in credit card industry. The competition is high in the market and therefore HSBC have to act as price taker rather than price maker. It is recommended that pricing of HSBC credit cards should be based on the pricing of competitors (Cooper, 2007). Place It is very important that users should be able to get hold of the credit cards. The end customers may not be willing to spend a lot of time in search of credit cards (Croxson, 2006). HSBC must have the option wherein the representatives of the company would visit customers to deliver the credit card. Promotion The importance of promotional element of marketing mix cannot be denied in this globalized world where competition is high. It is important that HSBC should involve itself in high level of promotion on social networking websites. Marketing mix strategy implementation chart April (M1) May (M2) June (M3) July (M4) August (M5) Product Focus on product features (core product) vis-a-vis features of competitors product The focus would be to increase penetration across Australia The focus would be to increase penetration across Australia The focus would be to increase penetration across Australia The focus would be to increase penetration across Australia The focus would be to increase penetration across Australia Focus on additional features and augmented product The focus would be to provide additional and better features that product of competitors The focus would be to provide additional and better features that product of competitors The focus would be to provide additional and better features that product of competitors The focus would be to provide additional and better features that product of competitors The focus would be to provide additional and better features that product of competitors Price Keep pricing low Keep the prices 10% low than the prices of competitors Keep the prices 10% low than the prices of competitors Keep the prices 10% low than the prices of competitors Keep the prices 5% low than the prices of competitors Keep the prices 5% low than the prices of competitors Provide initial discounts Provide joining benefits and annual discounts Provide joining benefits and annual discounts Provide joining benefits and annual discounts Provide joining benefits Provide joining benefits Place Sell online Customers should be provided discounts for online purchasing Customers should be provided discounts for online purchasing Customers should be provided discounts for online purchasing Customers should be provided discounts for online purchasing Customers should be provided discounts for online purchasing Door to Door delivery No additional charge for free home delivery No additional charge for free home delivery No additional charge for free home delivery No additional charge for free home delivery No additional charge for free home delivery Promotion Promotion on social media Focus on FB page and Twitter Focus on FB page and Twitter Focus on FB page and Twitter Focus on FB page and Twitter Focus on FB page and Twitter Promotion through personal selling Hire effective salesmen that can attract customers Hire effective salesmen that can attract customers Personal selling through discounts Personal selling through discounts Personal selling through discounts Evaluation of marketing mix strategy The marketing strategies of HSBC are in line with the marketing objective of firms. It is very important for management of HSBC to keep a track on marketing objectives by evaluating them. The marketing mix evaluation chart can be discussed as: Marketing mix evaluation chart How 1st Quarter 2nd Quarter 3rd Quarter Who Product Focus on core product features vis-a-vis features of competitors product Comparing the number of features of HSBC Credit card with the features of competitors Would be evaluated in first quarter itself Senior management and external consultants Focus on additional features and augmented product Some of the features should be unique to HSBC company Would be evaluated in second quarter Price Keep pricing low Compare the prices of all the credit card companies Would be evaluated in first quarter itself Management of the company Provide initial discounts Track the discount level for each of the customer Would be evaluated in second quarter itself Place Sell online Ratio of online selling to total sales made Continuous measurement Continuous measurement Continuous measurement Sales department Door to Door delivery Ratio of direct selling to total sales made Continuous measurement Continuous measurement Continuous measurement Promotion Promotion on social media Track the customers converted through social media Continuous measurement Continuous measurement Continuous measurement Sales department Promotion through personal selling Track the customers converted through personal selling Continuous measurement Continuous measurement Continuous measurement Budget The marketing budget should be high in the first year because a lot of investment would have to be made from the side of HSBC. Monday Start Date HSBC Sales Support HSBC Public Relations Interactive / Market Development HSBC Advertising HSBC Research Totals by Month, Quarter Year-to-Date Week of Proj Actual Proj Actual Proj Actual Proj Actual Proj Actual Proj Apr 7 2,000 1,500 1,500 2,000 3,000 10,000 Apr 14 2,000 1,500 1,500 2,000 2,000 9,000 Apr 21 2,500 2,000 1,500 3,000 2,000 11,000 Apr 28 2,500 2,000 1,500 3,000 2,000 11,000 Apr Total $9,000 $0 $3,000 $0 $6,000 $10 $10,000 $0 $9,000 $0 37,000 May 5 2,500 2,500 1,500 3,000 2,000 11,500 May 12 2,500 2,500 1,500 3,000 2,000 11,500 May 19 3,000 2,500 1,500 3,000 2,000 12,000 May 26 3,000 2,500 1,500 3,000 2,000 12,000 May Total $11,000 $0 $10,000 $0 $6,000 $0 $12,000 $0 $8,000 $0 $47,000 Jun 2 3,000 2,000 1,500 3,000 1,500 $11,000 Jun 9 3,000 2,000 1,500 3,000 1,500 $11,000 Jun 16 3,000 2,000 1,500 3,000 1,500 $11,000 Jun 23 3,000 2,000 1,500 3,000 1,500 $11,000 Jun 30 3,000 2,000 1,500 3,000 1,500 $11,000 Jun Total $15,000 $0 $10,000 $0 $7,500 $0 $15,000 $0 $7,500 $0 $55,000 Total Q1 $35,000 $0 $23,000 $0 $19,500 $10 $37,000 $0 $24,500 $0 $139,000 Jul 7 3,000 2,000 1,500 2,500 2,500 $11,500 Jul 14 3,000 2,000 1,500 2,500 2,500 $11,500 Jul 21 3,000 2,000 1,500 2,500 2,500 $11,500 Jul 28 3,000 2,000 1,500 2,500 2,500 $11,500 July Total $12,000 $0 $8,000 $0 $6,000 $0 $10,000 $0 $10,000 $0 $46,000 Aug 4 2,000 2,000 1,500 1,500 1,500 $8,500 Aug 11 2,000 2,000 1,500 1,500 1,500 $8,500 Aug 18 2,000 2,000 1,500 1,500 1,500 $8,500 Aug 25 2,000 2,000 1,500 1,500 1,500 $8,500 Aug Total $8,000 $0 $8,000 $0 $6,000 $0 $6,000 $0 $6,000 $0 $34,000 Sep 1 2,000 2,000 1,500 1,500 1,500 $8,500 Sep 8 2,000 2,000 1,500 1,500 1,500 $8,500 Sep 15 2,000 2,000 1,500 1,500 1,500 $8,500 Sep 22 2,000 2,000 1,500 1,500 1,500 $8,500 Sep 29 2,000 2,000 1,500 1,500 1,500 $8,500 Total $55,000 $0 $39,000 $0 $31,500 $10 $53,000 $0 $40,500 $623,500 Controls and Monitoring An important part of any marketing plan is the control and monitoring plan. It is important that management should be able to exercise effective control mechanisms in order to ensure that marketing strategies remains on track. The control and monitoring of the marketing objectives should be the collective responsibility of all the stakeholders. The control and monitoring should start from the top management and would go to lower level employees. An effective control and monitoring plan would ensure that all the processes are standardize in the organization. Conclusion The above marketing plan discusses the marketing objective of HSBC Credit Cards in Australia. Based on the analysis, it can be said that Australian market is a developed market and the market has lot of potential for credit card companies to establish and grow. The credit card market in Australia is already a competitive market but the market is far from saturated. Therefore, there exists opportunity for new companies to come and establish their base in the market. HSBC is an international brand and it has been able to establish good brand reputation. It is expected that HSBC would be able to develop upon its product (credit card). The marketing strategy or marketing objectives of HSBC would be in line with the market dynamics and industry analysis. In first couple of years, the objective of HSBC would be to improve its penetration into Australian market. The initial time would be period where the firm should focus to increase the user base. Once the user base is established, HSBC should focus on extracting profit. Financial sector and credit card industry is a risky industry and therefore HSBC should adopt a balance approach of expansion. The marketing plan would eventually help HSBC to make its product known in the market. The marketing plan would require initial investment but marketing strategy and integrated marketing plan would be a good way for HSBC to reach out to its customers. It is recommended that HSBC should for long term benefits that could be realized with credit card business in Australian market. References Atilgan, E., Akinci, S., Aksoy, P. (2008). Measuring and mapping customers expectations and perceptions for airlines: the Sunexpress case with the gaps model.Journal of Global Strategic Management,3, 68-78. Christopher, M., Towill, D. R. (2009). Supply chain migration from lean and functional to agile and customised.Supply Chain Management: An International Journal,5(4), 206-213. Lee, H. L. (2009). Aligning Supply Chain Strategies with Product Uncertainties.California management review,44(3). Evans, D. (2012).Social media marketing: An hour a day. Wiley. com.Von Bergen, C.W., T. Hiebing, R. G., Cooper, S. W. (2007).How to write a successful marketing plan. NTC Business Books. Hervani, A. A., Helms, M. M., Sarkis, J. (2005). Performance measurement for green supply chain management.Benchmarking: An International Journal,12(4), 330-353. Kloot, L., Martin, J. (2010). Strategic performance management: A balanced approach to performance management issues in local government.Management Accounting Research,11(2), 231-251. Kotler, P. (2011). Reinventing marketing to manage the environmental imperative.Journal of Marketing,75(4), 132-135. Pickton, D., Broderick, A. (2001).Integrated marketing communications. Harlow: Prentice Hall. Krishnan, R. T., Jha, S. K. (2011). Innovation strategies in emerging markets: what can we learn from Indian market leaders.ASCI Journal of Management,41(1), 21-45. Majumdar, R. (2010).Consumer behaviour: Insights from Indian market. PHI Learning Pvt. Ltd.. Padma, T. V. (2011). Action urged on foreign takeovers of Indian drugmakers.Nature Medicine,17(2), 141. Scherhorn, G. (2010). The addictive trait in buying behaviour.Journal of Consumer Policy,13(1), 33-51. Selladurai, R. S. (2004). Mass customization in operations management: oxymoron or reality?.Omega,32(4), 295-300. Vonderheid, S. C., Carrie, S. K., Norr, K. F., Grady, M. A., Westdahl, C. M. (2013). Using Focus Groups and Social Marketing to Strengthen Promotion of Group Prenatal Care.Advances in Nursing Science,36(4), 320-335. Mawer, William., (2005). The U.S. FairPay Overtime Initiative. Managerial Law, Vol. 47 Iss: 3/4, pp.219 231 Wilson, D., Croxson, B., Atkinson, A. (2006). What Gets Measured Gets Done Headteachers responses to the English Secondary School Performance Management System 1 According to Belh (2003, p. 599),what gets measured done is perhaps the most famous aphorism of performance measurement.Policy Studies,27(2), 153-171.