Benefits Of A Fixed Term Deposit Account Marketing Essay

Benefits Of A Fixed Term Deposit Account Marketing Essay The purpose of this document is to propose a solution in order to increase the customer term deposit balances by 20. This brief contains an about the company section, marketing objective, the campaign objective, who are the target audience of such a product, explanation of the product, how the product can be distributed, our competition, USP, key messages, deliverables, timing and budget. About the company Customers choice bank was set up in 1990. Our vision is to become one of the best banks compared to other local banks in Malta. We are dedicated to giving an efficient and excellent service to our customers by helping them discover the best solutions to their financial requirements. Our bank offers products such as home loans, personal loans, internet banking, deposit accounts, financial planning, corporate financial services, life assurances, retirement plan and more. Therefore we target people who are personal and also those who have a business. We already succeeded in a campaign before which was about internet banking and our aim was to attract 10% of our existing customers to start using internet banking. We are looking forward to succeed in other future campaigns. Marketing objective To increase customer term deposit balances by 20% in 3 months. The campaign objective The campaign must: 1. Create impact, and raise awareness of the bank as a term deposit provider. 2. Promote the benefits of the term-deposit product. 3. Educate the customers as to the benefits of the maturity of the term deposit. 4. Provide 5,000 leads for sales consultants to contact regarding this product. 5. Result in 2,000 term deposit sales which is an increase of 20% in customer term deposits. Target audience The customers we should be targeting are both female and male, aged over 18 years. They should have at least à ¢Ã¢â‚¬Å¡Ã‚ ¬1000 to open the term deposit account. Personal customers who have a long term surplus liquidity may want to benefit from the interest rates of this term deposit product. The Product à ¢Ã¢â‚¬Å¡Ã‚ ¬1000 à ¢Ã¢â‚¬Å¡Ã‚ ¬4999 à ¢Ã¢â‚¬Å¡Ã‚ ¬5000 à ¢Ã¢â‚¬Å¡Ã‚ ¬24999 à ¢Ã¢â‚¬Å¡Ã‚ ¬25000+ 2 years 3% p.a 4.15% p.a 4.30% p.a 3 years 3.10% p.a 4.40% p.a 4.60% p.a 4 years 3.30% p.a 4.60% p.a 4.80% p.a 5 years 4.20% p.a 5.10% p.a 5.20% p.a 6 years 4.50% p.a 5.30% p.a 5.50% p.a 7 years 4.80% p.a 5.50% p.a 6.00% p.a 8 years 5% p.a 6.00% p.a 6.50% p.a 9 years 5.50% p.a 6.50% p.a 7.00% p,a 10 years 6% p.a 7.00% p.a 7.50% p.aWe are offering a fixed term deposit product named Customers Choice Term Deposit that its interest rate is better than all of our competitors fixed term deposit interest rates. With a term deposit, a customer can invest his or her surplus liquidity in this account in order to gain interest upon maturity which depends according to how much money the client invested in it and for how many years the client chooses to put them for. The interest rate gets higher, the longer the client chooses to invest it for and the more there is money invested in it. This product should be only offered to people of 18 years or older with a surplus of à ¢Ã¢â‚¬Å¡Ã‚ ¬1000 or more. Below, one can see our proposed fixed term deposit product: A customer may choose from a fixed term between 2 years and 10 years and will receive an interest on his/her money invested according to the amount of money invested. Benefits of a fixed term-deposit account: A customer will be able to earn a higher interest rate from a term-deposit account than from the usual savings account. Less risky than investing in property and/or shares. No fees are involved if the customer breaks the term. Compound interest can be gained. Features of a fixed term-deposit account: The customer applying for a term-deposit account must be at least 18 years of age. The minimum requirement is à ¢Ã¢â‚¬Å¡Ã‚ ¬1000. There is no maximum limit. Interest will be gained when the term deposit account matures or paid annually into a savings account. Terms and conditions (see Appendix 1). Distribution This product can be purchased from a branch network, through a third party broker, via telephone directly from the provider or via internet by applying from the banks website. The competition We have 10 competitors which are APS bank, Banif Bank, Bank of Valletta, FIM Bank, HSBC, Lombard, Mediterranean bank, Nemea bank, FCM bank and IIG bank. By comparing our proposed product to similar products offered by other organisations (see Appendix 2), one can see that our product was made to be better than our competitors similar products. APS bank is offering a range of fixed time periods of 1month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years and 5 years. Banif bank is offering a 3-Year Flexi Term deposit account that  gives the customer the interest rate of 3.15% per annum for a 3-year term while the customers can still withdraw the funds before the maturity day. Bank of Valletta is offering a range of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years and 5 years fixed term deposit account for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬200 into the fixed term deposit account. FIM bank is offering a fixed term deposit account periods of 6 months, 1 year, 2 years and 3 years for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬25000. HSBC bank is offering a fixed term deposit account period of 7 days, 1month, 3 months, 6 months, 9 months, 1 year, 2 years, 3 years, 4 years and 5 years for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬1000. Lombard bank is offering a fixed term deposit account of 1 month, 2 months, 3 months, 6 months, 9 months, 1 year, 2 years and 3 years for customers with a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬10000. Lombard bank also offers the 5 Xtra and 7 Xtra fixed term deposit accounts which are a 5 year term and 7 year term fixed term deposit accounts respectively. Mediterranean bank is offering a 1 month, 3 months, 6 months, 9 months, 1 year, 2 years, 3 years, 4 years and 5 years fixed term deposit accounts for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬5000. Nemea bank is offering a 3 months, 6 months, 1 year, 18 months, 2 years, 3 years or 5 years fixed deposit account for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬10000. FCM bank is offering a 3 months, 6 months, 1 year, 2 years, 3 years, 4 years or 5 year fixed term deposit account for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬2000. IIG bank is offering a 3 year term deposit account with an interest rate of 4.65% payable or compounded quarterly, half yearly or annually for customers who make a minimum deposit of à ¢Ã¢â‚¬Å¡Ã‚ ¬25000. USP Our fixed term deposit account has the best interest rates in the whole market. Together with this account, we are offering a free credit card, a free debit card and the opportunity to use internet banking for free to customers so that customers can check the bank accounts that they have with us. Key messages The product has attractive interest rates. The product is easy to attain It is a product that many clients require but many have not yet bought. Overall the product offering should be seen as being a quality product that is customer-focused and therefore giving a good return rate for the deposits that customers put in their fixed term deposit account, which is all offered by a name that a customer can trust. Deliverables We require a promotional campaign which is to include branch advertising, newspaper advertising, direct mail and PR. You are expected to deliver the following: A strong consumer message 2 posters to use as in branch displays 1200 A5 flyers to be distributed in peoples homes around the banks area A newspaper advertisement to use in the national press for 3 months A fulfillment pack consisting of a product brochure, terms and conditions and an application form. Television advertisement A mailing pack including a brochure, terms and conditions and an application form for mailing existing clients of the organisation. Extra brochures for new customers in branches who are interested in similar products. Recommendations for PR activity. Timing The marketing campaign will be running from the beginning of March till the end of May. The design of the newspaper, posters, brochures and flyers takes 3 days to finish and it will begin on the 1st of March and end on the 3rd of march. The design of the television advert and the billboard advert will take 4 days to be completed and it will begin on the 1st of March and end on the 4th of March. The printing of the posters, brochures and flyers will only take one day and therefore the printing will begin from the 4th of March till the 5th of March. The posters can be set up in the in-branch displays from 6th March till the 31st of May. The flyers could start to be distributed in homes on the 6th of March while the brochures could start to be put together with the terms and conditions and the application forms to use them as mailing and fulfillment packs. The newspaper advert could be shown from the 4th of March onwards every Sunday for 3 months (that is for 24 days). The billboard could be set up on the 5th of March till the 28th of May (that is for 84 days since every b illboard can be rented for 28 days). The television advert will be shown every Saturday and Sunday for three months starting on the 5th of March and ending on the 31st of May. All bus advertisements can be set up on the 1st day of March till the 31st of May. Budget The budget is à ¢Ã¢â‚¬Å¡Ã‚ ¬45000. The budget is divided between the campaign budget and the marketing agency fee. The campaign budget is à ¢Ã¢â‚¬Å¡Ã‚ ¬34265.03 and the marketing agency fee is à ¢Ã¢â‚¬Å¡Ã‚ ¬6046.77 for a total of à ¢Ã¢â‚¬Å¡Ã‚ ¬40311.8. [see Appendix 3 and 4]

Assembly Line Essay

Raul Contreras History 18 November 18, 2009 Assembly line From the beginning of times, most markets and products have been targeted to the bourgeoisie and/or anyone who could easily afford these products. But in the early 1900’s, an individual named Henry Ford, decided to change this idea and dared society to work for the success of the proletariat and the lowering of costs. Henry Ford, along with other individuals, created the highly praised â€Å"moving assembly line† and started the mind change in the targeting of markets.The assembly line was a way in building a final product using various people that would build particular parts, and then would assemble them together as a whole; this was a success and revolutionized the world of manufacturing. Although many opposed to this idea in the early stages, and many independent builders suffered from this method of building, the assembly line was one the best things that could have happened to the U. S. because it lowered c osts of products, completed products faster, helped middle class people succeed and helped the U.S. economy grow in many different areas of economical and business productivity. Meryl Davids, journalist of the Journal of Business Strategy stated that â€Å"the conveyer-belt system was not only a marvelous way to save workers' precious time, but, in one of the great business decisions ever, it was also a way to decrease expenses and prices, thereby increasing demand among the middle class†. The idea of working together to build a product faster and in a more efficient way was something that had gone through many minds at the time.But using the conveyor belt system along with the assembly line method of work to speed the work process, was not only something that was ingenious, but was one of the greatest ideas that any entrepreneur could have had at that time. Putting the assembly line in action, and specifically assigning each person to do a specific job, broke the ideal of a â€Å"one person job† task (a job in which one person only would start and finish a product), and presented the idea of working in cooperation with brought efficiency and speed that businesses needed to grow in a massive way.Ford’s philosophy was simple, mass production requires mass consumption, and mass consumption requires more products. This philosophy, along with the ideal of providing to the middle class clientele, was the beginning breakthrough of the assembly line and the breakthrough of affordability to middle class consumers. In the early 1900’s, as today, people were looking for affordability and a better way of living. So productivity for businesses, meaning more sales and more costumers was crucial for business’ growth, but most important, it was growth for workers, because this meant more work and more payment for the time worked.According to Timothy Taylor, 1996, â€Å"In 1905, there were more than 50 companies each year trying to break in to the automobile business†. But as these companies were going bankrupt or were barely making it in because of hard competition and focus to the wealthy only, Ford changed the direction of the demand in business and sold affordable cars to middle class people. His idea of the assembly line, and the way it would decrease costs, allowed Ford to focus on the middle class clientele, and allowed cars to be sold for lower prices to working class people.The Model A, (first car produced) mainly called â€Å"the everyman car,† took ten workmen to build in a converted wagon factory in Detroit, and was a success to the working class because of its affordability and good looks, which was new to the middle class clientele. In 1901, and in the next fifteen months to come, 1,700 Model A's were sold making it very popular to the middle class and its buyers. But as this progressed to sell, the Ford Company decided to keep improving the car, and after vast improvements, the first Model T came out of the factory in 1908.Its cost was $850 and compared to others, the affordable price and the demand of this product, produced 10,660 sales that year, and beat other car companies even though it was only the first year of this model in the market. As this was a popular vehicle, this model was mainly focused in the affordability and time it could be produced. Along with the idea of faster productivity and affordability, another great idea that Mr. Ford had was that if everyone earned a decent wage, and he produced more cars in less time at an affordable price, then everyone in the country would buy his cars.Focusing on the middle class clientele, their affordability, and his own workers to buy his own products, he decided to raise the workers wages from $2. 50 to $5. 00 overnight, virtually making him a hero to all middle class workers, because he gave the working class an open door of opportunities to grow and buy. In Henry Ford's times, pay was presumably highly significa nt for job satisfaction, and people did not mind working at the assembly line if they were well paid.This was an excellent business tactic, because this triggered his workers, and other middle class people, to buy his cars. The affordability of these, and the massive demand the Model T (final mastered product), made the Ford Company massively grow in a matter of years, and helped the U. S. economy raise in an enormous way. The demand among the middle class, and affordability of products, were in fact one of the causes that drove the economy to grow in the early 1900’s, and made the assembly line successful.As business was growing, more factory workers were needed which meant that more cars were being sold and the economy rose. By 1914, 3,000 people were working in auto plants in Detroit, but amazingly by 1919, that number had increased to 75,000. According to Crews, 1999, â€Å"Ford built 308,162 cars in 1914, which exceeded the number produced by all the other automobile ma nufacturers†. And just to have an idea of the demand of this product, the 1913 Model T (after being revised from model A to S), grew from 78,000 to 248,000 vehicle sold per year in one year only.The massive growth of these not only demanded more vehicles to be made, but also caused more people to buy which benefited the economy. The growth of the â€Å"assembly line,† and the success of Ford’s ideals and of vehicles being sold to middle class people, attracted other companies to do the same, producing a massive turnaround in the industrial revolution and growth goods in many different areas. Companies like General Motors or Cadillac adopted the assembly line method of building, and decided to raise wages to workers so they could imitate Ford’s plan.The assembly line not only benefitted the work force, but also the country in many different ways. Not only this opened the eyes that cars were not meant only for the rich only, but also cars were for the ones t hat actually built these, and other middle class social groups who could afford them. The assembly line, Fords ideals of progress, and the way of how he decided to make a company work faster and more efficient, not only benefited the business world on its own, but also helped the US and middle class workers to raise themselves to a better life.The assembly line method, along with the conveyer-belt system, was not only a magnificent system to combine, but it also increased productivity and speed of work in a massive way. Other businesses that adopted this method of working saw the benefit that this had caused, and joined the pack in finishing a product faster, and with less cost. The assembly line, and the opportunities that this brought along, opened many doors to the proletariat, and helped them progress to a better life in a matter of a few years.Without middle class people not progressing, many new companies would not have been built, and many benefits of this would have not been found. Due to the cut of costs, demand of products because of its prices and quality, and more people being able to afford these, the assembly line helped the US form a stronger capital economic market. Furthermore opening many companies eyes to follow this method of working, producing more work, but most important, more spending and more buying. Resources: Crews, Ed. Henry Ford's Model T: The Car that Started it All.New York: Farrar, Straus, and Giroux, 1999. Davids, Meryl. â€Å"Henry Ford (1863-1947): Loving the Line. †Ã‚  Journal of Business Strategy  (Sept 1999):  ITEM99270012. Expanded Academic ASAP. Gale. Chaffey College. 23 Nov. 2009   . Engstrom, Tomas,  Dan Jonsson,  and  Lars Medbo. â€Å"Production model discourse and experiences from the Swedish automotive industry. †Ã‚  International Journal of Operations & Production Management  16. n2  (Feb 1996):  141(18). Expanded Academic ASAP. Gale. Chaffey College. 24 Nov. 009   . Taylor, Timot hy. A history of the U. S. economy in the 20th Century. Springfield, VA: The Teaching Company, 1996. Williams, Karel,  Colin Haslam,  John (American clergyman) Williams,  Andy Adcroft,  and  Sukhdev Johal. â€Å"The myth of the line: Ford's production of the model T at Highland Park, 1909-16. †Ã‚  Business History  35. n3  (July 1993):  66(22). Expanded Academic ASAP. Gale. Chaffey College. 24 Nov. 2009   http://find. galegroup. com/itx/start. do? prodId=EAIM. ——————————————– 1 ]. Taylor, Timothy. A history of the U. S. economy in the 20th Century, 1996 [ 2 ]. Crews, Ed. Henry Ford's Model T: The Car that Started it All. New York: Farrar, Straus, and Giroux, 1999. [ 3 ]. Engstrom, Tomas,   â€Å"Production model discourse and experiences from the Swedish automotive industry (Feb 1996):   [ 4 ]. Crews, Ed. Henry Ford's Model T: The Car that Started it All. New York: Farrar, Straus, and Giroux, 1999 [ 5 ]. Crews, Ed. Henry Ford's Model T: The Car that Started it All. New York: Farrar, Straus, and Giroux, 1999

Prophecy and Suicide in Oedipus Rex - 682 Words

Galileo Galilei is a man whose unwavering pursuit of the truth in a time of dogmatism and theocratic conformity, has cemented his legacy for over four centuries. His discoveries have been a stellar paradigm for today’s scientific community. When he published Dialogue Concerning the Two Chief World Systems, proclaiming heliocentrism - Copernicus’ theory that the planets revolved around a stationary sun - was the undisputed truth, he was tried by the Inquisition, which found him vehemently suspect of heresy. He was sentenced to house arrest ‘unto death’. Though the veracity of his claims was later confirmed, this demonstrates that knowledge is a burden, for Galileo’s insight led to his persecution. As Ralph Waldo Emerson once said, â€Å"Knowledge is knowing that we cannot know.† This theory also applies to the case of Oedipus Rex, where his knowledge of the oracle proves hazardous instead of rewarding. Similar to Galileo, though Oedipus’ insight is true, it encumbers the bearer. Oedipus’ knowledge of the prophecy is more so a burden than a benefit, because it led to his wife, Jocasta’s suicide and his all-consuming guilt. Oedipus is the cause, albeit indirectly, of Jocasta’s death. He did not obey her warning. She knew the nature of their incestuous relationship and exhorted him against speaking to the messenger and shepherd; the truth would ultimately threaten their marriage. Her problem was not with the misdeed - it was with Oedipus’ awareness, for she assured him, â€Å"†Have noShow MoreRelated The Oedipus Complex in Oedipus Rex Essay732 Words   |  3 PagesThe Oedipus Complex in Oedipus Rex Thousands of years after Sophocles wrote the story of Oedipus Rex; psychologists named a complex after the behavioral characteristics of Oedipus. For many years psychologists have called a son having a sexual attraction toward his mother the Oedipus Complex. It is common belief that Oedipus Rex did not actually suffer from the Oedipus Complex. 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Identifying Women At Risk For Postpartum Depression

Summary Introduction Unfortunately, some mothers have the ill-fated experience of going through postpartum depression after the delivery of their newborn. In its most severe form, the mother may experience suicidal thoughts or the inability to provide care for their newborn baby. In Dennis, Janssen, and Stinger (2004) article, â€Å"Identifying Women at Risk for Postpartum Depression in the Immediate Postpartum Period,† they were able to develop a predictive model to be utilized as a screening tool to determine women who were more susceptible. Significance of the Problem Postpartum depression is a significant problem as it is one of the leading causes of maternal morbidity. Developing a screening tool to address the issue early can provide the necessary interventions to avoid further undesirable problems down the road. As we know, early detection is key in prevention. Developing questionnaires that can identify multiple risk factors can help better identify women who are more likely to be at risk. The following study addresses the following risk factors in the categories of socio demographics, biological, pregnancy related factors, life stressors, social support, obstetric, and maternal adjustment. Critique of Article Problem The purpose of this study was to develop a predictive model that takes into account a number of risks factors that can also assist in identifying symptoms associated with depression during the first week period of postpartum. This would establish aShow MoreRelatedPostpartum Depression : Symptoms And Symptoms Essay1700 Words   |  7 Pageswell as many other countries and cultures, postpartum depression is prevalent, but many times overlooked or not diagnosed. 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The authors and conductors of this study believe that maternal PPD symptoms influences a 12 month-old infant’s behaviors greatly which can lead to other problems with mental health and social and cognitive issuesRead MoreThe Predictors Of Postpartum Depression1227 Words   |  5 PagesPREDICTORS OF POSTPARTUM DEPRESSION Predictors of Postpartum Depression Angela Woods NR439 Evidence Based Practice Professor Jeanie Bachand Chamberlain College of Nursing October, 08,2017 Introduction In today’s society some women are reluctant about starting a family. These women aren’t just looking at the financial obligations that accompany parenting but many are looking at the physical and emotional changes that some women endure during the postpartum period. There is reluctanceRead MoreThe Postpartum Depression ( Ppd )1466 Words   |  6 PagesPostpartum depression (PPD) is a condition diagnosed in birth mothers upon returning home from the hospital after giving birth and feeling adrift. Symptoms may include depressed mood or severe mood swings from the first few weeks, to up to six months after birth. While hormonal changes is just one of the many factors that contribute to PPD, sleep deprivation, lifestyle, and environment may also affect any new parent (Smith, Segal, 2016). Although our knowledge about PPD has greatly advanced inRead MoreThe Effects Of Postpartum Depression On A Woman s Mood1307 Words   |  6 Pagescauses of postpartum depression are unk nown. Changes in hormone levels during and after pregnancy may affect a woman’s mood. Many non-hormonal factors may also affect mood during this period; Change in your body from pregnancy and delivery, changes in work and social relationships, having less time and freedom for yourself, lack of sleep, and worries about your ability to be a good mother (Postpartum depression, n.d.)†. Romm states that becoming a mother can be overwhelming, and few women are fullyRead MoreDuring Clinical, I Had The Opportunity Of Working With1734 Words   |  7 Pagesmyself with my nurse in charge she was a little receptive to care. She was showing emotion of sadness, loneliness and little bonding connection with the baby i.e. less skin to skin contact which is essential right after birth of baby. Normally, on postpartum unit, you’d observe a lot of mother holding, bonding and observing and asking questions and addressing concerns. Once the baby arrives, the mother begins learning t o respond to the baby s cues to fulfill his many needs. As the mother provides careRead MoreThe Role Of Literature Of Maternal Depression During Prenatal Stages1110 Words   |  5 Pages Evaluating the Relationship of Literature of Maternal Depression during Prenatal Stages. Depression can occur at any time. We often hear talk of postpartum depression or the baby blues, which occurs shortly after the birth of a baby. Though we rarely discuss depression that occurs during pregnancy or prenatal depression. There are estimates that as many as 70% of women will experience symptoms of depression during pregnancy, making it a widespread concern. However, these depressive symptoms are