Hourly Wage Workers Steered From Payday Loans - OppLoans

Hourly Wage Workers Steered From Payday Loans - OppLoans Hourly Wage Workers Steered From Payday LoansInside Subprime: August 21, 2019By Aubrey SitlerHourly wage workers are largely underserved by traditional financial institutions, a major population that turns to alternative financial products like  payday loans. That’s why some consumer advocates and companies say they could benefit from faster payments.There are tens of millions of hourly workers across the country. They represent almost 60 percent of the nation’s total workforce.Early wage access companies and advocates say that getting cash quicker to employees is better for the worker. That’s because hours worked can change drastically from week to week, so cashflow can be a major obstacle. Most of those early workers also don’t have any extra cash for emergency expenses. Nearly three quarters of hourly workers dont have at least $500 in savings.And companies are responding to the rapidly growing market. Walmart and Visa have each partnered with payroll apps to offer employe es advance wages in exchange for a monthly or per-transaction fee.“These funds are for work that they’ve already done that they can use to navigate life’s unexpected events,” Walmart spokeswoman Michelle Malashock told Bloomberg Law. “When our associates are more financially secure, they are better able to do their jobs.”Walmart says about 350,000 of its employees regularly use their payroll app. The app has conducted more than 5 million transactions comprising about $900 million since the Walmart program was launched at the end of 2017.Despite a lot of positive feedback, some people are sounding the alarm against early wage access apps. Opponents of early wage access draw comparisons to payday loans,  especially because workers are charged fees for accessing their own money.To keep up with the ever-changing market, several states have started to regulate the early wage access industry. New York and California are some of the first states to do so.In California, a bill p assed by the state Senate recently limits early pay transaction fees at $14 per month and keeps those transactions to three to a pay period and half of a worker’s unpaid earnings.But, still, as Bloomberg stated, “Early pay providers in those states get around those limits by requiring users to sign agreements allowing them to automatically debit the fronted funds from their bank accounts on payday.”Learn more about payday loans  scams, and cash advances by checking out our city and state financial guides, including  Illinois, Chicago, Ohio, Texas, and more.Visit  OppLoans  on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

Freeganism An Eco-friendliness Way of Living Essay...

The world is inhabited by numerous cultures consisting of different lifestyles. Freeganism is a subculture that is ordinarily unheard of. The characteristics are impressively diverse from those most would associate with everyday life. The capitalistic culture incorporates commodified food, organized structure, ‘hygienically clean’, easier accessible foods, and more individualization. On the other hand, a freegan culture is comprised of free food, a less organized structure, ‘dirty’ foods with a chance of being raw or rotten, slower food and lifestyle, and is more socially connected (Edwards and Mercer). Those living this standard of life are scavengers of the developed world, living off consumer waste in an effort to minimize their†¦show more content†¦This way of living is motivated not by laziness or incapabilities, but by a desire to devote time to community service, activism, caring for family, appreciating nature, and enjoying life. Choosing to lead a freegan lifestyle comes along with many obstacles. The obvious risk of consuming harmful bacteria is always possibility and has even sparked legal dispute as to whether or not it should be considered theft (Thomas). The complications go further than jumping from dumpster to dumpster in hopes of discovering something edible. This type of livelihood is very interactive and requires a vast amount of discipline. They focus on using less packaging, and less energy which demands them to pay attention to the detail of each substance affiliated with their life that people tend to take for granted, such as pop machines and the packaging of food (Edward and Mercer). Utilizing as few resources as possible can prove to be difficult and unfeasible by many. As a result of minimizing the amount of buying consumer goods, the clothing style will vary from person to person. Occasionally a group will find clothing, furniture, and accessories, but it’s most common for people to attend f lea markets, ‘freemeets’, or browse a website [www. freecycle.org] where users post unwanted items. The clothing could be in good condition or tattered and worn; it’s all dependant on the person and what is available. In practicing this eco-friendliness way of living their outlook of the world

What Are Eating Disorders - 1445 Words

What are eating disorders? The eating disorders anorexia nervosa, bulimia nervosa, and binge-eating, and their variants, all feature serious disturbances in eating behavior and weight regulation (Eating Disorders: About More Than Food, 2014). Many eating disorders are associated with different types of psychological, physical, and social consequences. An individual with an eating disorder may start out with a simple diet or cutting back on their intake of food, but at some point, there is an urge to eat less. With the way the social media is set up, we have an idea of how we are supposed to look and it is simply not the correct way. It sends out a message that everyone is supposed to be sizes two when everyone is not build that way.†¦show more content†¦When people with eating disorders look in the mirror they someone totally different from what we see. They see someone who is overweight and they feel that person needs to lose weight. They take a simple act like eating food and turn it into an obsession. A person who has anorexia nervosa will weight themselves over and over again, portion food cautiously, and eat small quantities of certain foods. People with anorexia nervosa may engage in binge eating followed by extreme dieting, excessive exercise, self-induced vomiting, or misuse of laxatives, diuretics, or enemas (Eating Disorders: About More Than Food, 2014). Anorexia nervosa symptoms would include the following very low body weight, severe food restriction, intense fear of weight gain, denial of low body weight, and distorted view of body image; these are all signs of anorexia nervosa. Men and women with bulimia nervosa have recurring and frequent occurrences of eating unusually large amounts of food and feel a nonexistence of control over these occurrences. This behavior is followed by binge eating that compensates for the overeating such as forced vomiting or excessive use of diary laxatives. With anorexia nervosa, people will look sickly but p eople with bulimia nervosa they usually maintain what are considered a healthy weght. With all eating disorders, they fear weight gain and want to lose it in any way

The First Day of Basic Training - 953 Words

The First Day of Basic Training Week 1 Assignment 1 Descriptive Essay Chasity Schwoeppe 01/20/2012 The First Day of Basic Training I left for basic training on July 30, 2008, and arrived in Fort Leonard Wood Missouri on July 31, 2008. Before we entered into our extreme training, we processed into the Army for a whole week at reception. On the day of actual basic training, we realized our great lives changed to instructions all day, miserable feelings, separation from family, and extreme exhaustion. Although, this was our life much more horrifying things were about to happen. We finally realized all the negative feelings we were having seemed to get worse, such as receiving a shark attack from our drill sergeants, we were told†¦show more content†¦The whole thirty seconds, I was in the temperature changing water, it smelled as if the water came through the sewer through the rusty water faucet. Showers were finished and the lights had to be out by eight o’clock, but we still couldn’t go to bed. We had to still clean the showers and sweep the floors again. Once the lights went out, a breeze of peacefulness fluctuated through my body and I could actually release a breath. We also had to do an hour of fire guard which was to watch soldiers sleep and make sure everything was tightly secure in everyone’s lockers. By the time I could go to sleep, I was only going to have three hours of sleep throughout the whole night. I made key and implausible changes of my life because I made major endeavors on this day. Even though, the first day of basic training was the hardest day of my life it has impacted through my lifetime since then, and today, if I ever see my drill sergeants, again, I would thank them for making me an ameliorate person. Basic training will be remembered for the rest of myShow MoreRelatedA narrative essay about my first day of Army basic training.720 Words   |  2 Pages2002, my senior year of high school to be a medic. My official first day in the Army was August 22nd 2002. I arrived in Columbia, South Carolina at 1145 pm, after two hours of riding in a cramped bus I arrived at Ft. Jackson and the in processing station. On August 28th , after getting stuck with needles, countless interviews, pushups for calling people the wrong rank and the first twinges of homesickness, the first day of real basic training loomed like immense purple wall clouds in the very near distanceRead MoreTransformational Leadership Aspects Of Military Basic Training Essay1575 Words   |  7 Pagesaspects of military basic training, one must have a picture of what basic training is like. Most recruits are young, and are leaving home for the first time. In the Air Force the first week of the six-and-a-half-week course is controlled chaos for the fifty-five recruits who are placed into a flight, which was a part of a larger squadron. We woke up 4:30 am every day, saluted the flag, did physical training, showered, ate, attended classes, and learned the ways of the Air Force. Every day was highly scheduledRead MoreThe Training Of An Army Basic Training Failure1435 Words   |  6 Pages  Ã‚  Ã‚   Growing up the daughter of an Army Basic Training failure was an embarrassment for quite some time. My father went to Basic Training straight out of high school, came back shortly after leaving. He was discharged for injuries of his knees; he was weak. One would not assume a child of someone who failed Basic Training would be eager to go, however, I knew it was my time when I received a call from a recruiter asking me to come in. It was my chance to show my dad who I am without him, as well asRead MoreDescriptive Essay : My Boots 1617 Words   |  7 PagesLacing your boots Sweat was dripping down my face. I was readjusting my helmet for the last time as it broke earlier in the day. The trench almost looked like a vacation spot near the beach. The soft yellow light reflecting off the sand and the complete silence of the immediate area. My breath got shallow. I kept trying to practice perfect breathing but almost at the same time afraid that I would not hear a command. The sound of alternating radio beeps was inconsistent. Then out of nowhere, a manRead MoreA Critical Issue That Law Enforcement1344 Words   |  6 Pageswas created to present day, is a lack of police training. The most recent data research done by the Bureau of Justice Statistics about police training across the United States was done in 2009. It reported that in the year 2009 basic training programs averaged 761 hours of classroom training (about 19 weeks). A third of academies also had additional mandatory field training with an average length of 453 hours. The topics with the average most instruction time in these training programs consisted ofRead MoreAthlete Introduction : Vincent O Connor1409 Words   |  6 Pagesweek available for any training. Before the season starts he will have a 12 week General Preparatory phase, in which he prepared to train for 3.5 hours a week. Afterwards he has a 8 week Specific Preparatory phase and looking to spend 4 hours a week outside of club trainings in order to prepare for the season. O’Connor will play a 14 week competitive season, focusing the majority of his time on team trainings and games. He is aiming to allow for 90 minutes a week for training outside of team andRead MoreEssay about German Ww2 Veteran Interview1094 Words   |  5 Pagessome military training) it was finally time for him to decide on a job in the German military ranks. He had heard from several of his older peers in the Hitler Youth that the pilots in the Luftwaffe were among the strongest and most skilled in the world. Mr. Meckel said the Luftwaffe school was divided into several phases of training. The first step was going to the university in Germany to complete his 1 year of pre-requisites, the second phase being completion of basic training. The next stepRead MoreTraining Flying Imparted At Army Aviation School1427 Words   |  6 PagesBasic training flying imparted at Army Aviation School is the bed rock of Army Aviation. Officers aspiring to become Aviators go through a professionally challenging basic Aviation course at Army Aviation School. The basic flying is conducted on MFI-17 (Mushshak Aircraft), which is a small two seater fixed wing monoplane. It is a rugged, versatile, and a very good basic trainer aircraft which bears the brunt of all the follies of an ab-initio Aviation student, including but not limited to hard landingsRead MoreDeveloping A Training Program Essay1241 Words   |  5 PagesAbstract Throughout the United States, private and public-sector companies are facing the problem of a workforce severely lacking in basic workplace skills: More than 40 percent of the U.S. workforce and more than 50 percent of high school graduates do not have the basic skills to do their job. What makes these statistics even more disturbing is that employee skills are becoming increasingly important in the face of globalization, technological change, trade liberalization, deregulation andRead MoreNavy Seals1570 Words   |  7 PagesThe first phase starts with a bang and ends with a boom, says Travis Schweizer, a twenty-three year-old Seal. Phase 1 consists of a two and three-mile timed run, physical training, one to two mile ocean swims, and a gut burning obstacle course. These items are a part of everyday delight for these men. Phase 1 lasts for approximately eight weeks and that is only if you do not get set back. The First five weeks the students learn life saving, knot tying, underwater knot tying, basic first aid

Child Labor and Academic Performance Essay Example For Students

Child Labor and Academic Performance Essay Chapter I The Problem and Its Background A. Background of the Study Child labour is a worldwide problem regardless of the economic status of a country. This social phenomenon continues to exist both in developed and developing countries. The Philippines as one of Newly Industrializing Countries, also encounters the same (C. Diaz, personal communication, December 7, 2009). Child labour is rampant in this country due to poverty. It deprives basic right to education and health (Philippine Star, 1993). Many child labourers are forced to stop schooling due to the necessity of contributing to family’s income. Child labour with its goal to respond immediately to the basic need of the household, deprives the child of the time to focus on schooling. The health condition of the child labourers is also affected due to the exposure of children to chemicals which are mostly hazardous to their health. The time spent in working contributes also to the health of the children. More than eight hours of working is not suitable to the age of the children. It has also many effects in the development of the country as a whole. An increase in child labour frequently causes a decline in acquiring of human capital (Basu as cited by David Undyaundye, 2009). Basu explained further if a child is employed all through the day, it is likely that the child will remain uneducated and have low productivity as an adult. If a child works more his productivity as an adult falls because child labour diminishes adult productivity (Pigou, 1920). Majority of our population comprises those who are tolerating child labour (Navidad, 2002). The existence of house helpers who are below 18 years old shows that some Filipinos tolerate child labour. One aspect of development is education. They cannot deny the fact that education in our country is also affected by poverty. There are many children who stopped from schooling due to financial incapacity in complying to school requirements. The desire also of employers to save labour cost perpetuates child labour (Manila Chronicle, 1990). Most of the children who are engaging in child labour are drop-outs due to poverty that have driven them to work for wages that would contribute to family’s income (Focus Phil. 1984). The Philippines has a free public education from pre-school to grade six (Sakellariou, 2004) but only 88 percent of children under-12 age group and 83 percent of children in the 6-17 age group were enrolled in 1999 (1999 Annual Poverty Incidence Survey as cited in the paper of Sakellariou). The schooling of these children was affected in a way that they eventually stopped from schooling. There are one million four hundred sixty eight thousand nine hundred ninety eight (1,468,000) children who are working during vacation. One million six hundred eight thousand two hundred sixty eight (1,680,068) are elementary undergraduates (Philippine National statistics Office October 2001 as cited in Labor Participation of Children among Banana Growers, 2003). In Region XI, there are one hundred sixty six thousand one hundred forty three (166,143) child labourers as of 2003 (Diel Lopez, 2003). Child labour as one of the consequences of poverty and socio-economic problems is inevitable. There is a need to awaken the parents of child labourers and the society as a whole on the danger of not educating the children. Uneducated children will become liabilities instead of assets in our society. Poverty condition will be extreme due to jobless sector of the society which is mostly composed of unschooled individuals. For a parent not to educate the child is a breach of duty not only toward the child but also toward the members of the community generally, who are all liable to suffer seriously from the consequences of ignorance and want of education in their fellow citizens (Mill, 1970). Children should be protected from over work and working beyond their capacity. B. Conceptual framework C. Statement of the Problem How does child labour affect the academic performance of child labourers in Barangay Ilang, Davao City? D. Hypothesis Child labour decreases the academic performance of child labourers working in Ilang, Davao City. E. Scope and Limitations of the Study This study will only focus on the effects of child labour to the academic performance of children aged 7-15 years old in Barangay Ilang, Davao City. These children were enrolled for the school year 2009-2010. Teachers who may have noticed the changes in the academic performance of child laborers are alo included. The grades will be the basis of academic performance. General average in school year 2009-2010 will be used to measure the academic performance. F. Significance of the Study This study is an attempt to know the situation of child labourers, aged 7-15 years old who are working in Barangay Ilang, Davao City and the problems that they may encounter in their schooling due to their work. In presenting peculiar circumstances surrounding their academic performance particularly their involvement in child labour, this paper aims to prompt government agencies and non-government organizations concerned to work on providing a comprehensive program that will gradually put an end to their child labour and if not, to provide mechanisms to ensure that working children attain their potential academically. This study will serve as a source of data for further research on the condition of academic performance of child labourers; the information to be gathered from the study will provide insights into crafting appropriate government legislations that will address the protection of children’s rights in relation to better education. G. Definition of Terms Child labour refers to the children 7-15 years of age who are working voluntarily and involuntarily in exchange for money Voluntary labour refers to the work which is done deliberately by the child labourers. Deliberate implies full consciousness of the child labourers towards the nature of the activity and its consequences. Child labourers are working voluntarily are free from compulsion of parents and other individuals. Involuntary labour refers to the work done in exchange for money through compulsion of external forces such as dictate of parents and other individuals. Academic performance refers to the attendance, participation of the child labourers in school which is measurable by grades. Social Class refers to the economic status of the participants in this study which is measurable by their daily earnings. Socio-demographic profile refers to location, age, sex distribution, parents educational attainment, occupation, income, family size, number of members working in the family, educational status and attainment, and who pays for the tuition. Chapter II Review of Related Literature A quarter of the world’s children (410 million) live in South Asia (Child Workers in Asia, 1994). These children continually experience problems with their health, nutrition, and education. They are also exposed to abuse, violence and environmental hazards, their assumption of responsibilities from their parents at their young age. They are also exposed to child labour and sexual exploitation. These problems are challenges that were encountered in the past but solution is still to be figured out. Child labour in South Asia exists in different forms (Costs and Rewards of Child Labor in Sasa Wharf, Davao City, 1999). The vast agricultural lands in South Asia and their dependence to agriculture as source of income influence the rampant child labour. Many families consider the children as wealth of the family in agricultural communities. Child labour also exists in the informal sector, domestic service, and industrial and service sector. Nevertheless, all countries in South Asia region have enacted legislations against child labour. In the Philippines, child labour is also a problem. According to National Statistics Office Director, Agnes Tecson, there are about 3. 7 million child labourers in the Philippines. More than 2. 5 million are classified as â€Å"unpaid workers† in their own family-operated businesses. While some 900,000 child labourers work in private establishments, while more than 350,000 are household helps 270,000 are self-employed. Two-third of this population is in vending, household helping and shoe shining. About 3. million nationwide are forced to work for survival and 250 million worldwide. Of this number are in hazardous work. They cope with noxious fumes, machinery that can crush them, unhealthy noise levels, and the prospect of drowning. Many of them are invisible behind factory walls and prostitution dens. There are even cases of kid workers who are four years old (Child Labor in Digos City: A Baseline Study, 2002). In the study conducted by Ateneo de Davao University (Fernandez Manapol as cited in paper of Navidad, 2002), it was pointed out that the children, especially those at Sasa Wharf, Davao City and Makar Wharf, Gen. Martin luther kings i have a dream speech EssayWhatever is created through this free purposive activity is both an expression of our human nature and a transformation of it (Ritzer, 2008). In present condition of society, the theory of Karl Marx is useful in explaining the phenomenon of exploitation. There is a great inequity in our society. Human being is now alienated from the work. Production based on the internal mechanism is endangered by individuals who have a great capital or money. Labour becomes a means in achieving the desired end which is no other than, money. In being money oriented, labour is no longer a free purposive activity. In the society, there are many workers who own little but produce great commodities in exchange of money for few individuals who have great capital. These capitalists own a lot such as commodities, means of producing commodities, and the labour time of the workers, which they purchase through the wages. Child labour is one of the existing inequities in our society. The exercise of power is also the process of exploiting workers. Individuals who own big companies inevitably exploit those who do not have money. Owners of big companies exploit whether they want or in order to compete with other owners. Given with this social condition, individuals form class based on the common conflict with others. There is an inherent conflict of interest between those who hire wage labourers and those who labour. This inherent conflict produces classes (Ollman as cited in Sociological theory, 2008). Child labourers are existing reflection of class conflict in our society. Even their education is deprived due to inequitable distribution of resources. They are the children of parents who do not have stable source of income. Social class and educational chances There is a link between social class and education. The work of psychologist of education in the 1930s and 1940s in trying to relate intelligence, as measured by IQ tests, to social class set the scene for later work by sociologist on the theme of the ‘wastage of talent† (Harber Meighan, 2007). According to sociologists and psychologists equality of educational opportunity was not in evidence, since many working class children with high intelligence were either not reaching grammar school or underachieving if they get there. The higher the social class, the greater the chance of achieving educational qualifications. Male children of professional and managerial parents (Social class I) are the most likely to obtain degrees (Reid (1986) as cited in A sociology of educating, 2007). The children of unskilled manual parents (Social class IV) are four per cent obtaining degrees and sixty per cent achieving no qualifications. Mackinson on other hand, argues that the tendency for middle class children to do better in education than working class is only a beginning. For him, educational success is correlated with social class, but that it is caused by social class is a proposition that raises difficulties. Educational success can be correlated also to children’s intelligence as measured by IQ tests, and parental attitudes. Chapter III Research Method and Procedure In this chapter, the researcher present the different methods that will be employed in this study including the research method, locale of the study, unit of analysis, population and sampling procedures, variables and measures, instruments and statistical treatment of the data. A. Research Method This study will use ‘between-method triangulation’ or across-method triangulation involves combining and utilizing both qualitative and quantitative methods in studying the effects of child labour to the academic performance of child labourers. Qualitative method will be use in explaining the effects of labor on the academic performance of the child labourers while quantitative method will be utilized by the researcher in knowing to what extent that their academic performance was affected by child labour. This research method is suitable in understanding the phenomenon of child labor and how it affects grades of children who are working. B. Locale of the Study This study will be conducted in a community-based setting, specifically in Barangay Ilang, Davao City. C. Unit of Analysis The researcher identified the children who are working in Barangay Ilang, Davao City as unit of analysis. The children are being identified through the help of Florie May Tacang of Kaugmaon Center for Children’s Concerns. These children are varies in ages 7-12 years old, gender with their male and female, educational background and the social classes of participant, such as lower or middle classes. These children are just working but not residing in the said community. D. Sampling Procedure The researcher in this study identified the participants using Sloven’s formula (n = N / (1 + Ne) with the margin of error 0. 02. Purposive or judgmental sampling was utilized in choosing the sample size. The units to be observed are selected on the basis of the researcher’s judgment about which one will be the most useful or representative of population. E. Instruments The researcher observed ethical standards in conducting this study. Researcher designed survey questionnaire for the respondents detailing of the effects of child labour in the academic performance of child labourers. The researcher was able to construct questionnaire which was checked by the teacher in research. The researcher constructed closed ended questions in order to get the corresponding answer to the questions. The academic performance of the child labourers will be measured through their general average for school year 2009-2010. Focus group discussion will conducted on the period of data gathering in order to support the information taken from the survey questionnaire. F. Statistical Treatment of Data The researcher is planning to use correlation Pearson correlation. Two variables are measured on at least interval scales, and it determines the extent to which values of the two variables are proportional to each other. This statistical tool will enable the researcher to figure out the relationship of child labour on the academic performance of child labourers in Barangay Ilang, Davao City. This tool guarantees high level of reliability on the data that will be analyzed by the researcher. Child labour will be measured by the number of hours spend on work while academic performance, by grades. Bibliography Basu, M. , (1998). Child Labour: Causes, consequences and cure with remarks on international David, U. ,Undyaundye, F. (2009). Child labour in Nigeria: causes and consequences for national development. Retrived from Social Science Research Network. (SSRN id 1514460) Labour Standards. Economic Journal New York. Dacalus, S. , Dasalia, G. , Mamontuan, K. ,(1991). Costs and rewards of child labor in Sasa wharf, Davao City. Diel, H. C. ,Lopez G. (2003). Labor participation of children among banana growers(Undergraduate dissertation, Ateneo de Davao University,2003). Harber, C. , Meighan, R. , (2007). A sociology of education Jara,(1984) Maximiano, J B. (2007), Business ethics and corporate social responsibility. Challenging Child Labor,18, 123-125. Maximiano, J B. (2007), Global Business ethics for Filipinos in the new millenium . Challenging Child Labor, 166. Mill, J. J. (1970) Principles of Political Economy: Penguin Harmondsworth U. K. Navidad, F M. (2002), Child labor in Digos City: a baseline study O’Donnell, D. 1996), Children are people too. Child labor, article 28, 120-121. Pigou, A. C. (1920) The Economics of Welfare: Macmillan London. Ritzer, G. (2008), Sociological Theory. McGraw-Hill. N. Y. Sakellariou, C. (2004). Child labor and schooling in the Philippines. Retrieved from http:www. childprotection. org. ph (date accessed) (1984, April 21). Working children,a common sight in 3rd world . Focus Philippines. vol. 12 (22):6-7. (1990, November 24). Understanding poverty. Manila Chronicle. P. 7 sec. 2. (1993, July 2). Poverty. Philippine Star, pp. 1, 10. Child Workers in Asia. (1994)

Small and Medium Scale Business Marketing Strategies and Ideas free essay sample

Also, I will like to thank my parents for their immense provision and support. I will like to appreciate Pressy Ebimobowei Waratimi the Deputy CEO and founder of Rakeone Music, Rakeone Films and Rakeone TV for his immense support. I like to thank Slimface Ebiye Romeo the CEO of Romeos Artisthood. My express deep gratitude goes to my lovely friends Midian-Dicey Biyen, Kio Mikietuoniso, Gabriel Alari Benson, Samuel Oluku, Itong Washington Uwowa, Babema Tonye Amaye with others too numerous to mention. DEDICATION This book is dedicated to God Almighty. COPYRIGHT RESERVED I would be revealing to you in this free article various strategies on how to go about marketing your business to your business area, city, state, country and the world at large. The essence of this, is to fetch you many customers inorder to boost your income. I would be revealing to you also, online business marketing (E marketing) strategies. We will write a custom essay sample on Small and Medium Scale Business Marketing Strategies and Ideas or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page One of the smartest things a small or medium business owner can do for their business is to take the time to develop a marketing plan that will set them apart from their competitors. MARKETING PLAN One of the smartest things a small or medium business owner can do for their usiness is to take the time to develop a marketing plan that will set them apart from their competitors. A marketing plan clearly outlines how you will reach your ideal clients by effectively implementing your marketing strategy. You can choose marketing strategies below to make up your marketing plan. 1 MARKETING STRATEGIES AND IDEAS The various strategies and ideas on how to go about marketing your small or medium scale business are therefore explained below; MARKETING MATERIALS 1. Create or update your business cards. 2. Make your business card stand out from the rest. 3. Create or update your brochure fliers and stickers. . Create your website, wordpress or a blogspot. 5. Create a digital version of your broc hure for your website, wordpress or blogspot. IN-PERSON NETWORKING 1. Register and attend a business conference. 2. Introduce yourself to other local business owners. 3. Plan a local business workshop or conference to showcase your product or service. 4. Rent a booth at a trade show and showcase your product. ADVERTISING 1. Advertise on the radio: Many people think it is very expensive to advertise on the radio. I assure you it is definitely not, why not go and take a survey at various Radio Stations. 2. If you have the money you can advertise on a billboard. 3. Use stickers to advertise on your car, or you can give to people to put on their cars. 2 4. Advertise in your local news paper. You can go for a cheap rate; it’s not all that expensive. 5. Advertise on a local TV station. COUPONS AND INCENTIVES Coupon simply means a voucher or ticket entitling the holder to a discount off a particular product. According to www. businessdictionary. com Incentive simple means a monetary gift or bonus given to an employee based on his or her performance, which is thought of as one way to entice the employee to continue delivering positive results. . Start a contest. 2. Create a coupon. 3. Create a buyer reward program by using the created coupon. 4. Give out free gifts mostly towards the end of the year. RELATIONSHIP BUILDING 1. Send out a customer satisfaction survey. 2. Help promote or volunteer your time for charity event. 3. Send birthday sms or holiday sms to your clients. EMPLOYEE B EHAVIOUR 1. Train your staffs on how to welcome, approach and be of a good behaviour to your clients. This will go a long way to bring more clients. 3 OFFICE OR SHOP APPEARANCE The appearance of your office or shop should be arranged well and not in a scattered manner you know what I mean. Your office or business premises should be painted with a very nice colour and should be repainted if the painted is faded or dirtied. SOCIAL MEDIA MARKETING 1. Get started with social media for business. 2. Create a facebook page. 3. Create a twitter account. 4. Create a facebook group. 5. Create a facebook ad (they do charge money). 6. Create account on different online forums, e. g. www. advertise. ng. com, www. nigerianbusinessforums. com, www. gnbo. com. ng, www. nairaland. com, www. naijagreen. com www. hopenigeria. com, www. nairaland. com, www. forumotion. com, www. nigerianbestforum. com, www. ebsitenigera. com, www. allnigeriansites. com, www. newnigerians. com, www. allnigeria. com, www. perfspot. com, www. nigerdeltaforum. com, www. nairasource. com, www. boomdizzle. com, www. veengle. com, www. zimbio. com, www. naijavoice. com, www. vanguardngr. com, www. allnaija. com, www. afroterminal. com, www. naijafinder. com, www. onlinenigeria. com, www. nigerianwebsuccess. com, www. naijaurban. com, www. naijaelites. com, www. naijacyberforum. com, www. habnaija. com, www. gistmania. com All you need do is to create an account†¦. log unto it†¦. go to business forum†¦Ã¢â‚¬ ¦click on it and click on start new topic†¦.. Post about your 4 business†¦.. don’t forget to include your phone number and email. INTERNET MARKETING 1. Create account with www. youtube. com 2. Upload your business video advertisement (The one you give to TV stations): Steps – After creating account with youtube†¦Ã¢â‚¬ ¦. Log unto youtube with your email and password†¦. look around the website you will see upload†¦.. click on it†¦Ã¢â‚¬ ¦a screen will show up asking you to choose a file, go to where you save the video file and click ok†¦.. enter a title†¦Ã¢â‚¬ ¦. after upload is finished you will be given a link†¦.. you can copy and paste the link to your facebook wall, page and group. . Online Business Directory Listings: All you need do is to go to the various online business directories listing 5 websites that I will give to you below, you can find more yourself. Each country has their own. Online business directory listing is an online business website showing different kin ds of businesses, companies, firms (including their various info, addresses, phone numbers, etc). With these an individual can go to this websites to look for a company that can do a specific job for him or her, take the phone number and call or can take your address and locate your office. Online business directory will drive some of its visitors to your business. Note: One of the workers of the websites might contact you inorder to get some info from you before your company, business, firm can be listed in their websites. This is free of charge. The websites are; www. vconnect. com, www. nigerianyellowpages. com, www. onlinebusinessdirectorynigeria. com, www. nigeriangalleria. com, 5 www. lagosdirectoryonline. com, www. mynigeriareview. com, www. nigeriapagesonline. com, www. uknigeriabusinesses. com, www. nigerianbusinesspages. com, www. ngclassified. om, www. naijaonlinemart. com, www. finelib. com. EMAIL MARKETING 1. Have an email list of your clients 2. Start and send a free monthly email newsletter to your emails. CONCLUSION: You can make your marketing plan by choosing any of the various marketing strategies. If you can afford, you can do hire a marketing consultant, public relations professional, internet guru, etc to help you in the given marketing strategies. THE END Thanks for reading, I hope this will go a long way in helping you plan for your Business Marketing. GOD BLESSES YOU Contact me via 08136194354 6

In Quest of a Standard American Pronunciation

In Quest of a Standard American Pronunciation In Quest of a Standard American Pronunciation In Quest of a Standard American Pronunciation By Maeve Maddox American English has many regional variants, some of them more comprehensible than others. Along with spelling rules, schools once taught a standard pronunciation. The purpose was to maintain a standard speech easily understood by people in every part of the country and by non-native speakers who learn English as a second language. No one doubted that children were capable of learning the standard speech without abandoning whatever dialect they spoke at home. Now, however, a doctrine of political correctness inhibits the teaching of standard pronunciation with the result that the media has become the final arbiter. Certain pronunciations that were once considered non-standard are catching on, even when they fly in the face of rules I imagined were still being taught in the early grades. Apparently it is now possible to get out of school without learning the most basic rules for forming the plurals of nouns. I think I knew by fourth grade that the nouns life, knife, and wife form their plurals by changing the f to v and adding es. Yet I have heard an announcer on NPR use lifes as the plural of life. Ignoring the First Rule of Silent Final e (e makes the vowel say its name). I was startled to attention one day when I heard someone on the radio talking about gas-powered micro-turbans. I figured out from the context that the intended word was turbines. Another time I heard someone pronounce finite as if it would rhyme with mine it instead of pronouncing both vowels as long is. An NPR reporter once described a scene in which people were wielding staves (plural of staff). She pronounced staves as stavs. The sounds of s, sh, and zh Ive heard the word coercion /co er shun/ pronounced co er zhun, and the word resource /re sors/ pronounced rezorse. One of the most interesting drifts Ive noticed concerns the pronunciation of the noun house /hous/ and its plural houses /houz iz/. (NOTE: When the word house is used as a verb, the s is pronounced /z/.) Until fairly recently, the pronunciation of the plural houses with a soft s /hous iz/ was a nonstandard regionalism not even mentioned in the dictionary. Now, however, the pronunciation has been spread by announcers from the eastern and northern areas of the United States. (The same ones who pronounce tourist /toor ist/ as tor ist.) TV Meltdown Because actors come from different parts of the country, their pronunciations of certain words vary. I listened in fascination one evening to the actors in an episode of Numbers. The plot required them all to say the word houses numerous times. Some of them said /houz iz/ and some said /hous iz/. If I remember correctly, one actor used both pronunciations, in different sentences! Its probably time for English teachers to take a united stand for a standard pronunciation. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Spelling category, check our popular posts, or choose a related post below:25 Subordinating Conjunctions7 Tips for Writing a Film ReviewNarrative, Plot, and Story