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Wednesday, May 1, 2013

management

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Questions on Organizational Behavior

Prepared by Dr. Stephen Hartman, School of Management, New York Institute of Technology.

. What are some of the new challenges confronting managers in todays business environment?

The global, one-world economy is changing the nature of competition. The second generation of the Information Age, marked by advances in decision support and telecommunications technology, is changing the nature of work in all organizations.

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The quality Service Revolution is changing the focus of competition among world competitors as product and service quality become increasingly important to consumers, both internally and externally.

. What are the three dimensions of management and how are they important.

The three dimension of management are technical, conceptual, and human. It is absolutely essential for managers to develop meaningful solutions to todays complex management problems by using innovative technological solutions that provide answers to problems people and organizations are having. Furthermore, it is critical to managements success that they be able to meaningfully understand human resource needs and be able to successfully deploy these

5. Discuss Henri Fayols contributions to organizational theory.

Henri Fayol has been called the father of management. Henri Fayol was a successful French industrialist. He also created the first school of management. He was responsible for developing the major classical management concepts of planning, organizing, developing, staffing, coordinating, and budgeting (PODSCORB). He also was the first to develop the importance of lateral communications with his gang plank theory of communications in organization.

Henri Fayol belongs to the administrative management branch of the classical school. His entire working career was spent with a mining company, Commentary-Fourchambault Company, where he rose from an apprentice to General Manager in 1888 remaining there until his retirement in 118. He is credited with turning the company around from a threatened bankruptcy into a strong financial position by the time of his retirement at age 77.

As a result of his management experience, Fayol strongly believed management theories could be developed and taught to others. His first writing on administration, Administration Industrielle et Generale, was published in 116 in the Bulletin of the Society of Mineral Industries and later appeared as a book. The book became prominent in the United States after a second English translation appeared in 14 under the title General and Industrial Management.

Henri Fayols Fourteen Management Principles

a. Division of Work. Division of work, specialization, produces more and better work with the same effort. It focuses effort while maximizing employee efforts. It is applicable to all work including technical applications. There are limitations to specialization which are determined by its application.

b. Authority and responsibility. Authority is the right to give orders and the power to exact obedience. Distinction must be made between a managers official authority deriving from office and personal authority created through individual personality, intelligence and experience. Authority creates responsibility.

c. Discipline. Obedience and respect between a firm and its employees based on clear and fair agreements is absolutely essential to the functioning of any organization. Good discipline requires managers to apply sanctions whenever violations become apparent.

d. Unity of command. An employee should receive orders from only one superior. Employees cannot adapt to dual command.

e. Unity of direction. Organizational activities must have one central authority and one plan of action.

f. Subordination of Individual Interest to General Interest. The interests of one employee or group of employees are subordinate to the interests and goals of the organization and cannot prevail over it.

g. Remuneration of Personnel. Salaries are the price of services rendered by employees. It should be fair and provide satisfaction both to the employee and employer. The rate of remuneration is dependent on the value of the services rendered as determined by the employment market.

h. Centralization. The optimum degree of centralization varies according to the dynamics of each organization. The objective of centralization is the best utilization of personnel.

i. Scalar chain. A chain of authority exists from the highest organizational authority to the lowest ranks. While needless departure from the chain of command should be discouraged, using the gang plank principle of direct communication between employees can be extremely expeditious and increase the effectiveness of organizational communication.

j. Order. Organizational order for materials and personnel is essential. The right materials and the right employees are necessary for each organizational function and activity.

l. Equity. In organizations equity is a combination of kindliness and justice. The desire for equity and equality of treatment are aspirations to be taken into account in dealing with employees.

m. Stability of Tenure of Personnel. In order to attain the maximum productivity of personnel, it is essential to maintain a stable work force. Management insecurity produces undesirable consequences. Generally the managerial personnel of prosperous concerns is stable, that of unsuccessful ones is unstable.

n. Initiative. Thinking out a plan and ensuring its success is an extremely strong motivator. At all levels of the organizational ladder zeal and energy on t he part of employees are augmented by initiative.

o Esprit de Corps. Teamwork is fundamentally important to an organization. This is encouraged by creating work teams and using extensive face-to-face verbal communication.

While subsequent organizational research has created controversy over many of Fayols principles, they are still widely used in management theory.

6. Discuss Max Webers contributions to organizational theory.

Max Weber can be classified in the bureaucratic management branch of the classical school. Weber, the son of a prominent Bismarckian era German politician, was raised in Berlin and studied law at the University of Berlin. After assuming an appointment teaching law at the University of Berlin, Weber assumed teaching appointments in economics at the Universities of Freiburg, Heidelberg, Vienna, ending with his death after a bout with pneumonia.

Webers interest in organizations evolves from his view of the institutionalization of power and authority in the modern Western world. He constructed a rational-legal authority model of an ideal type bureaucracy. This ideal type rested on a belief in the legality of patterns of normative rules and the right of those elevated to authority to issue commands (legal authority). Weber postulated the rules and regulations of a bureaucracy serve to insulate its members against the possibility of personal favoritism.

Weber Believes All Bureaucracies Have Certain Characteristics

a. A well defined hierarchy. All positions within a bureaucracy are structured in a way permitting the higher positions to supervise and control the lower positions. This provides a clear chain of command facilitating control and order throughout the organization.

b. Division of labor and specialization. All responsibilities in an organization are rationalized to the point where each employee will have the necessary expertise to master a particular task. This necessitates granting each employee the requisite authority to complete all such tasks.

c. Rules and regulations. All organizational activities should be rationalized to the point where standard operating procedures are developed to provide certainty and facilitate coordination.

d. Impersonal relationships between managers and employees. Weber believes it is necessary for managers to maintain an impersonal relationship with the employees because of the need to have a rational decision making process rather than one influenced by favoritism and personal prejudice. This organizational atmosphere would also facilitate rational evaluation of employee outcomes where personal prejudice would not be a dominant consideration.

e. Competence. Competence should be the basis for all decisions made in hiring, job assignments, and promotions. This would eliminate personal bias and the significance of knowing someone in central personnel decisions. This fosters ability and merit as the primary characteristics of a bureaucratic organization.

f. Records. Weber feels it is absolutely essential for a bureaucracy to maintain complete files regarding all its activities. This advances an accurate organizational memory where accurate and complete documents will be available concerning all bureaucratic actions and determinations.

Webers bureaucratic principles have been widely adopted throughout the world. Yet, there are many critics.

7. Discuss Frederick W. Taylors contributions to organizational theory.

Taylor has been termed the father of scientific management. As the name implies, it was a scientific approach to managerial decision making. The name was intended to contrast his approach with the unscientific approaches that characterized traditional management practices at the time. Taylors major techniques included time and motion studies whereby the work task was divided into its constituent elements or motions and eliminating wasted motions so that the work would be done in the one best way as well as timing the remaining motions in order to arrive at an expected rate of production.

Taylor also pushed strongly for standardization in the design and use of tools. Tools and procedures were standardized in accordance with what designs were most effective in a given context. Taylor also advocated a worker be assigned a given quantity of work each day based on the results of time study. This was forerunner of modern day goal-setting.

Taylor claimed the primary motivation of an employee was to earn money. Therefore, the way to get an employee to work harder was to pay by the piece. This system, known as the piece rate system, was intended to provide individual employee productivity incentives.

8. What was the Hawthorne study and why was it important?

The Hawthorne Experiments consist of two studies conducted at the Hawthorne Works of the Western Electric Company in Chicago from 14 to 1. The studys particular focus is on lighting and attempts to operationalize many of the principles of scientific management.

The initial study in 14 was conducted by a group of engineers seeking to determine the relationship of lighting levels to worker productivity. The study was done in connection with the National Research Council of the National Academy of Sciences.

The results of the studys findings are extremely interesting since worker productivity increases as the lighting levels decrease until the employees are unable to see what they are doing after which performance naturally declines.

Beginning in 17 a second group of experiments commenced with a group of five women in the bank wiring room. During the course of the experiment, the women are supervised by the experimenters conducting the study. Additionally the workers in the experimental group are given special privileges including the right to leave their workstation without permission, rest periods, free lunches and variations in pay levels and workdays. As with the first set of experiments, the second group of experiments result in significantly increased rates of productivity.

In the second experimental study in 18 the Harvard researchers, F. J. Roethlisberger, Professor of Human Relations, and Elton Mayo, a Professor of the Industrial Research Department, became associated with it. After extensive research, the results were not published until 1, they conclude the primary determinant of the increase in productivity is the change in the supervisory arrangement rather than the changes in lighting or other associated worker benefits. Since the experimenters became the primary supervisors of the employees, the intense interest they displayed for the workers was the basis for the increased motivation and resulting productivity.

Essentially the experimenters became a part of the study and influenced its outcome. This is the origin of the term Hawthorne Effect describing the special attention researchers give to a studys subjects and the impact it has on its findings. While the result of the Hawthorne studies failed to answer the specific question of the relation between illumination and worker productivity, the study did create a strong theoretical foundation for the human relations view of management.

. Discuss Chester Barnards contributions to organizational theory.

Barnard led a highly successful management career rising to the position of the President of New Jersey Bell Telephone Company. He was also very active professionally including acting as the head of the Rockefeller Foundation. After giving a series of lectures on management, Barnard published his only book, The Functions of the Executive, in 18.

Basically, Barnard feels organizations are communication systems. He feels it is particularly important for managers to develop a sense of common purpose where a willingness to cooperate is strongly encouraged. He is credited with developing the acceptance theory of management emphasizing the willingness of people to accept those having authority to act. He feels the managers ability to exercise authority is strongly determined by the employees zone of indifference where orders are accepted without undue question.

Contrary to Weber beliefs that communication flows from the top of the organization to the bottom, Barnard feels organizational communication flows from the bottom to the top. He states there are four factors affecting the willingness of employees to accept authority

1. The employees must understand the communication.

. The employees accept the communication as being consistent with the organizations purposes.

. The employees feel their actions will be consistent with the needs and desires of the other employees.

4. The employees feel they are mentally and physically carry out the order from the higher authority.

Barnard also feels informal organizations within formal organizations perform necessary and vital communication functions for the overall organization. This is consistent with his belief that the executives main organizational function is acting as a channel of communication and maintaining the organization in operation.

Barnards sympathy for and understanding of employee needs in the dynamics of the organizational communication process positions him as a bridge to the behavioral school of management many of whose early members were his contemporaries.

10. Who was Mary Parker Follet and why was she important to organizational theory?

One of the earliest pioneers in the behavioral movement was Mary Parker Follet. Follet received an education in political science and pursued a professional career as a social worker where she became absorbed in work place related issues. She strongly believes in the inherent problem solving ability of people working in groups. Rather than assuming classical managements strongly hierarchical position of power in organizations, Follet asserts power should be cooperatively shared for the purpose of resolving conflict.

She is best known for her integration method of conflict resolution as opposed to the three choices she sites of domination, compromise or voluntary submission by one side over another. If, for example, an individual is sitting in a library on a warm spring day near an open window and a second person decides to share the table but wishes to close the window to avoid the draft, we have the basis of a conflict. Now one person could try and dominate the other and force the window to either be open or closed leaving the other person unhappy. A second alternative is for one person to simply submit to the wishes of the other, but be very unhappy. The third alternative is to compromise and close the window half way which will not satisfy either person.

Follet states the best way to handle this situation is to resolve the issue jointly through creative conflict resolution where, in our example, the newcomer may voluntarily agree to sit in another part of the library adjusting the window according to his/her preference. In this case, both parties to the conflict are happy as the issue has been resolved according to their own desires. Creative conflict resolution involves cooperatively working with others to devise inventive new ideas often providing strong interpersonal benefits.

11. Discuss Herbert Simons contributions to organizational theory.

The death knell of classical management theory was pronounced by Herbert Simon in his book Administrative Behavior A Study of Decision-Making Processes in Administration Organization published n 147. Simon is particularly critical of the principles of administration including span of control and unity of command while saying all of the principles collectively were no more than proverbs. Simon found the principles of classical administration to be contradictory and vague.

Simons greatest management contribution is in decision making theory for which he received a Nobel prize. Simon states decision makers perform in an arena of bounded rationality and that the approach to decision making must be one of satisficing where satisfactory rather than optimum decisions are often reached. Satisficing successfully adapts to and is a realistic solution for the limited time and resources a manager has when considering alternatives in the decision making process.

1. Disccuss Abraham Maslows contributions to organizational theory.

Receiving his doctorate in psychology, Abraham Maslow was the first psychologist to develop a theory of motivation based upon a consideration of human needs. Maslows theory of human needs has three assumptions. First, human needs are never completely satisfied. Second, human behavior is purposeful and is motivated by need satisfaction. Third, needs can be classified according to a hierarchical structure of importance from the lowest to highest.

Maslow believes the needs hierarchy can be classified into five specific groups. To reach successive levels of the hierarchy required the satisfaction of the lower level needs

1. Physiological needs. Maslow groups all physical needs necessary for maintaining basic human well being into this category. These needs become acute and predominant if any or all of these needs are unsatisfied. However, consistent with Maslows theory of motivation, once a need is satisfied, such as thirst, it no longer is a motivator.

. Safety needs. These needs include the need for basic security, stability, protection, and freedom from fear. A normal state exists for an individual to have all of these needs generally satisfied. Otherwise, they become primary motivators.

. The belongingness and love needs. Once the physical and safety are satisfied and no longer are motivators, than the belongingness and love needs emerge as primary motivators. The individual will strive to establish meaningful relationships with significant others. Deprivation of the belongingness and love need will result in significant personality maladjustment.

4. The esteem needs. An individual must develop self confidence. In order to do this it is essential to the individual to have adequacy from achieving mastery and competence leading to the achievement of status, reputation, fame and glory. This achieves satisfaction of the self-esteem needs.

5. The need for self-actualization. Assuming all of the previous needs in the hierarchy are satisfied, a new discontent and restlessness will soon develop... A musician must make music, an artist must paint, a poet must write ... What a man can be, he must be.

Maslows hierarchy of needs theory helps the manager to visualize employee motivation. It helps in understanding the motivations and needs employees have and the requirement to satisfy basic needs in order to achieve higher level motivation.

1. Discuss Douglas McGregors contributions to organizational theory.

McGregor is the other major theorist associated with the Human Relations school of management. McGregor believes there are two basic kinds of managers.

One type of manager, Theory X, has a negative view of employees assuming they are lazy, untrustworthy and incapable of assuming responsibility while the other type of Manager, Theory Y, assumes employees are trustworthy and capable of assuming responsibility having high levels of motivation.

Theory X

1. Employees normally do not like to work and will try to avoid it.

. Since employees do not like working, they have to coerced, controlled, directed and threatened with punishment to motivate them to work.

. The average employee is lazy, shuns responsibility, is not ambitious, needs direction and principally desires security.

Theory Y

1. Work is as natural as play and therefore people desire to work.

. Employees are responsible for accomplishing their own work objectives.

. Comparable personal rewards are important for employee commitment to achieving work goals.

4. Under favorable conditions, the average employee will seek and accept responsibility.

5. Employees can be innovative in solving organizational problems.

6. Most organizations utilize only a small proportion of their employees abilities.

Mcgregors Theory X and Y is appealing to managers and dramatically demonstrate the divergence in management viewpoints toward employees. As such, Theory X and Y has been extremely helpful in promoting management understanding of supervisory styles and employee motivational assumptions.

14. Discuss Renesis Likerts contributions to organizational theory.

While being the director of the Institute of Human Relations at Ann Arbor, Michigan, Likert conducted a series of empirical studies on the differences between good and bad supervisors defined on the basis of high and low productivity. His research is based on employee interviews in separate departments in many different organizations where a scale of feelings is developed, the Likert scale, regarding employee attitudes toward their supervisors. This was correlated with their productivity.

Based on his research, Likert developed a four level managerial classification system. System 1 utilizes a supervisory system based primarily on fear and punishment. This results in an authoritarian supervisory system where employees are usually not consulted concerning major decisions.

In System organizations rewards are used to motivate employees with some freedom being allowed to comment on organizational decisions. However, managers have the primary decision making responsibility and employees in a System organization must act cautiously.

System organizations are more open to employee consultation regarding the managerial decision making process and overt managerial threats are avoided.

Likert states the System 4 organization is the most open and participative and is the ideal state managers should strive to achieve. This is termed the democratic model. Likert states the more an organizations management approximates the System 4 model, the more productive it will be.

15. Discuss Frederick Herzbergs contributions to the study of organizational behavior?

Additional empirical research was performed by Herzberg on 00 engineers and accountants. The research objective was to determine work situations where the subjects feel highly satisfied and motivated as opposed to those where the reverse is true. The research reveals that the work itself and achievement as well as recognition for the achievement are the primary motivators. Herzberg terms these factors satisfiers or motivators.

Factors having a negative motivation impact on the research subjects are the working conditions, salary, job security, supervisory methods and the general company management climate. Herzberg terms these factors hygiene factors or dissatisfiers.

From this research Herzberg developed the motivation-hygiene model of management. The model states that employee motivation is achieved with challenging enjoyable work where achievement, growth, responsibility and advancement are encouraged and recognized. The environmental or hygiene factors, such as poor lighting, ventilation, poor working conditions, low salaries, and poor supervisory relations, serve as dissatisfiers.

The difference between motivators and hygiene factors is that motivators cause an employee to develop his/her own internal motivations, whereas hygiene factors can make an employee unhappy and dissatisfied, but cannot motivate him/her. The job itself is the motivator.

16. Discuss David C. McLelland contributions to organization theory.

He performed research on motivation patterns. In the Thematic Apperception Test (TAT) where an individual writes a descriptive analysis of their individual reactions from unstructured pictures. McClelland determines the motivational state of the subjects from these descriptions.

Based upon this research, McClelland developed an achievement motivation theory consisting of four sets of needs achievement, affiliation, competence and power. Achievement motivation is a need people have to succeed through overcoming challenges. The affiliation motivation is similar to Maslows belongingness and love need where people relate to others on a social basis. The competence need is the desire to accomplish a job well done, and the power motivation is the need to control others and make a difference in the outcome of a given situation.

McClelland believes people have strong needs. His achievement motivation theory is important for managers seeking understanding of employee motivational patterns.

17. Discuss W. Edwards Demings contributions to organizational theory.

Deming received his doctorate in physics from Yale and was invited by the Union of Japanese Scientists and Engineers to visit Japan in 150. In addition to urging the Japanese to use sampling methods to test for quality control, he also taught them the best way to lowered production costs was improved quality. Dr. Deming is concerned with increased organizational productivity by applying statistical quality controls as well as improving organizational communication

Although well known in Japan, Deming was ignored for years in the U.S.; however, this began to change after he was featured on an American TV show dealing with the reasons why the Japanese competition was threatening American business. He soon became sought after by American corporations coping with the mounting international competitive threat.

Demings Fourteen Management Points

1 Create constancy of purpose toward improvement of product and service, with the aim to become competitive, to stay in business, and to provide jobs.

Adopt a new philosophy. We are in a new economic age, created by Japan. We can no longer live with commonly accepted styles of American management, nor with commonly accepted levels of delays, mistakes, or defective products.

Cease dependence on inspection to achieve quality. Eliminate the need for inspection on a mass basis by building quality into the product in the first place.

4 End the practice of awarding business on the basis of price tag. Instead, minimize total cost.

5 Improve constantly and forever the system of production and service to improve quality and productivity, and thus constantly decrease costs.

6 Institute training on the job.

7 Institute supervision the aim of supervision should be to help people and machines and gadgets do a better job. Supervision of management is in need of overhaul, as well as supervision of production workers.

8 Drive out fear, so that everyone may work effectively for the company.

Break down the barriers between departments. People in research, design, sales, and production must work as a team to foresee problems of production and use that may be encountered with the product or service.

10 Eliminate slogans, exhortations, and targets for the work force which ask for zero defects and new levels of productivity. Such exhortations only create adversarial relationships. The bulk of the causes of low productivity belong to the system, and thus lie beyond the power of the work force.

11 Eliminate work standards that prescribe numerical quotas for the day. Substitute aids and helpful supervision.

1 Remove the barriers that rob the hourly worker of his right to pride of workmanship. The responsibility of supervisors must be changed from sheer numbers to quality. Remove the barriers that rob people in management and engineering of their right to pride of workmanship. This means abolishment of the annual rating, or merit rating, and management by objective.

1 Institute a vigorous program of education and retraining.

14 Put everybody in the company to work to accomplish the transformation.

18. Discuss the evolution of management theory.

The evolution of management thought has followed societal trends of the nineteenth and twentieth centuries. The nineteenth century works of Charles Babbage and Robert Owen were concerned with the early factory system as well making social progress. The classical school and bureaucratic school of the early twentieth century were the first efforts to generate a comprehensive theory of management. This school included Max Weber and Henri Fayol. Fayol was the father of the administrative management school. He had a profound affect on much of administrative theory during the early part of the twentieth century.

Frederick Taylor, the engineer, established the scientific method of management.

The behavioral school made a profound influence on management theory. It is a revolutionary period of management theory. It includes the Nobel prize winning critic of the early proverbs of administration, Herbert Simon, as well as the landmark Hawthorne Experiment ushering in the human relations branch of the bureaucratic method. The behavioral school also includes the first female organizational theorist, Mary Parker Follet. A major result of the behavioral school is the demise and repudiation of the classical school of management.

The human relations school of management is extremely important in dealing with the concept of employee motivation. Herbert Maslow developed the hierarchy of needs theory while Douglas McGregor developed Theory X and Y. The behavioral research school applies much of the needs theory developed by Maslow in actual organizational settings.

The contemporary management school brings a more interdisciplinary approach to the field of management. The very important writings of W. Edwards Deming in the area of productivity improvement and those of Peter Drucker on MBO and management innovation have a major impact on the way todays organizations are managed. The integrative methodologies of the systems approach and contingency theory give managers the latitude they need to integrate the research of the many management schools.

Finally, the quality school of management is extremely important in presenting a comparative management model. W. Edwards Deming is the pre-eminent theorist in this school. It has also become known as Total Quality Management (TQM).

0. Organizational theory is extremely interdisciplinary. What are the foundations for the discipline?

There are three basic building blocks for organizational theory. They are anthropology, sociology, and psychology.

1. Discuss the significance of reliability and validity in organizational theory research.

Reliability is the accuracy of measurement and consistency of results. Validity is whether the study really demonstrates what it is supposed to demonstrate. Internal validity assures that there are no plausible alternative explanations other than those reported (threats of internal validity).

Additionally, there are types of validity researchers must be concerned with in understanding research in organizational behavior

Content - how well the measure captures the behavior of interest.

Predictive - an objective statistical relationship between what is being predicted (criterion) and what is being used to predict it (predictor).

Construct - the degree to which observable characteristics converge with similar concepts or discriminate between dissimilar concepts.



. Because people are confronted by constant stimuli, they are unable to attend to them all. Therefore, they select only a small number at any given time. This is accomplished through the principles of perceptual selectivity. What are the various external attention factors that affect perceptual selectivity.

a. Intensity - the more intense the stimulus, the more likely it is to be perceived.

b. Size - the larger, the object, the more likely it is to be perceived.

c. Contrast - external stimuli which stand out or which are not what people are expecting will receive more attention.

d. Repetition - repeated external stimuli are more attention-getting than a single stimulus.

e. Motion - more attention will be paid to moving objects than to stationery ones.

f. Novelty and Familiarity - new objects in a familiar setting or familiar objects in a new setting are attention getting.

4. Discuss the role of heredity in determining personality.

The exact role that heredity plays in personality is inconclusive. However, research on identical twins (the Jim twins) raised apart has shown some support for this perspective. Despite a continuing debate on heredity versus environment, genetics experts and educational psychologists generally argue that intelligence is to some degree inherited.

5. What did the Milgram study demonstrate about the role that the situation plays in the human personality?

Subjects from a variety of occupations administered increasing levels of shock to a fellow learner. The subjects were exposed to the accomplices vocal responses (moans, screams, pleas, etc.) and were encouraged by the experimenter to continue the experiment. Contrary to expert opinion, almost two-thirds of the subjects went ahead and administered what they thought was a very dangerous or even fatal amount of voltage. The results of the experiment suggested that people tend to obey those in authority positions, even though their behavior goes against their personality or better judgment.

6. What are successful organizational socialization strategies?

Provide a challenging first job.

Provide relevant training.

Provide timely and consistent feedback

Select a good supervisor to be in charge of socialization.

Design a relaxed orientation program.

Place new recruits in work groups with high morale.

7. Discuss attitudes as a complex cognitive process.

They tend to persist unless something is done to change them. They can fall anywhere along a continuum from very favorable to very unfavorable. They are directed toward some object about which a person has feelings and beliefs.

8. Discuss the role attitudes play in organizational behavior in terms of help people adapt to their work environment.

They help employees adjust tot heir environments and are a basis for future behaviors. They help employees defend their self images and justify actions.

They provide a basis for expressing central values.

They help supply standards that allow people to organize and explain the world around them.

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. Discuss how it is possible to change employee attitudes.

Provide new information.

Use fear

Resolve discrepancies between attitudes and behavior

Use influence from friends or peers.

Employ co-optation whereby disgruntled employees are made a part of the process and given credit for it.

0. Discuss the importance of job satisfaction in achieving productivity.

Most research evidence indicates that there is no large positive relationship between satisfaction and productivity; however, if people are rewarded equitably, they will be more satisfied and they may strive for a greater performance effort.

1. Discuss the relationship between job satisfaction and absenteeism.

There is an inverse relationship between job satisfaction and absenteeism. People who believe that their work is important tend to have lower absenteeism then those who dont. It is important to remember, however, that high job satisfaction will not necessarily result in low absenteeism, but low job satisfaction is likely to bring about high absenteeism.

. Discuss how Victor Vrooms Expectancy Theory depicts a process of cognitive variables which reflect individual differences in motivation. What are the variables in his the Expectancy Theory.

Valence - the strength of an individuals preference for a particular outcome.

Instrumentality - the degree to which a first level outcome will lead to a desired second level outcome.

Expectancy - the probability that a particular effort will lead to a particular first level outcome.

The model helps management understand workers motivation, but does not provide specific solutions to motivational problems.

. Discuss how equity theory argues that a major input into job performance and satisfaction is the degree of equity or inequity that people perceive in their work situation.

Inequity occurs when a person perceives that the ratio of his/her outcomes to inputs are unequal. Inputs and outcomes are based on perception. Motivation under this perspective can be defined by the drive to restore equity. This may be done in several ways

Alter the inputs or outcomes

Cognitively distorts the inputs or outcomes.

Leave the field

Act on the other

Change the other

Feelings of inequity can occur not only when a person feels cheated, but also in the case of overreward. There has been research support for the theory.

4. Compare and contrast job enlargement and job enrichment.

Job enlargement is termed horizontal job loading. It makes the job less specialized by adding more functions to it, but without increased responsibility for the worker. Job enrichment is a direct outgrowth of Frederick Herzbergs Two-Factor Theory of motivation. In particular, job enrichment is concerned with designing jobs that include greater variety of work content, require higher levels of skill, give workers more autonomy and provide feedback.

Job enrichment vertically loads the job, which means that there are not necessarily more tasks to perform, but more responsibility for the overall job.

5. Explain the quality of work life (QWL) approach to job design.

QWL is a more general approach to job design. It is primarily concerned with the impact of work and organizational climate on people, and how this in turn influences organizational effectiveness. Design efforts are focused on the human-technology-organization interface. Employee participation in problem solving and decision making is central to this approach.

6. Explain the sociotechnical approach to job design.

This approach is grounded in systems theory. It is concerned with the harmony between personal, social and technological functioning. This approach generally involves the redesign of technological work processes and the formation of autonomous, self-regulating work groups.

7. Discuss the interrelationship of goal setting with human resource management.

Effective goal setting includes the following elements

specific goals are more effective than vague, general or do your best goals.

difficult, challenging goals tend to be more effective than relatively easy, mundane goals. Owned and accepted goals arrived at through participation are preferred to assigned goals. Objective, timely feedback about progress toward goals is preferable to no feedback.

8. What are the four major techniques of administering reinforcement?

Fixed-ratio schedules - reinforcement is given after a fixed number of responses. This schedule tends to produce a high response rate that is vigorous and steady.

Fixed-interval schedules - reinforcement is given after a specified time or period, measured from the last reinforced response. Under a fixed-interval schedule there is an uneven pattern that varies from a slow response immediately following reinforcement to a vigorous response immediately preceding reinforcement.

Variable-ratio schedules - reinforcement is given after a randomly varied number of responses. Each response has an equal chance of being reinforced regardless of the number of responses that have preceded it.

Variable-interval schedules - reinforcement is given after a randomly distributed length of time.

44. Discuss the trait theory of leadership.

The Great Man theory says that a person is born either with or without the necessary traits for leadership. A more recent and realistic approach accepts the fact that leadership traits are not completely inborn, but can be acquired through learning. The results of a search for universal traits are disappointing, and the only consistent result was that leaders are generally brighter than their followers, but not too much so.

45. Discuss Fiedlers Contingency Theory of Leadership.

His contingency model contained the relationship between leadership style (human relations or task-direct) as measured by the Least Preferred Coworker (LPC) scale, and the favorableness of the situation (leader-member relations, degree of task structure, and position power).

Situations are favorable for the leader when all three situational dimensions are high. When the dimensions are low, the situation is unfavorable.

Under highly favorable or unfavorable situations, task directed leaders are more effective. In situations of moderate favorableness, by far the most common situation, human relations leaders are more effective.

6. What are the major categories of organizational communication.

Management Information Systems - generally computerized systems which integrate networks of information that support management decision making, strategic planning, customer service activities, and actual communication.

Telecommunication Technology - involves the transmission of information within and between organizations using computer, telephone, and television technologies, wireless systems of portable phone, and wired systems of fiber optic linkages. Existing telecommunications applications include telephone caller ID, electronic mail, electronic data interchange (EDI), voice messaging, and electronic bulletin boards.

Nonverbal - nonword human responses, such as body language, time, space, paralanguage, environmental context, etc., that convey meaning.

What are some methods of promoting effective upward communication and improving managers listening habits?

Grievance procedure - allow employees to make upward appeals and protect individuals from arbitrary action by their direct supervisor.

Open Door policy - allows subordinates to interact with their supervisor when needed or wanted.

Counseling, attitude questionnaires, and exit interviews - these contribute valuable upward information for management to correct or prevent problems.

Participative techniques - either informal or formal participation programs generally result in more satisfied employees and, occasionally, better performers.

Ombudsperson - encourages subordinate-initiated communication, especially in large, depersonalized organizations.

67. What are some examples of formal programs of employee participation in organizations?

The Scanlon Plan is a pioneering form of labor-management cooperation.

Suggestion plans or boxes represent another traditional participation program.

Quality circles, a technique widely used in Japan, are small groups of volunteers from the same work area who collectively solve work-related problems.

Self-managed work groups have become very popular in the most innovative firms. These groups run themselves and have proved to be very productive in firms such as General Mills.

68. What are some criticisms of the Webers bureaucratic model?

Specialization - creates conflict between specialized units.Hierarchy - individual initiative and participation are often blocked. Upward communication and horizontal communication are impeded.

Rules - rules often become ends in themselves. Rules are used for punitive control from above.

Impersonal characteristics - are concerned with human problems (both employees an customers) associated wit bureaucratic structures.



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Tuesday, March 26, 2013

Holiday

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Full-time Students Vs. Part -time Students Full-time vs. Part-time Students There are many similarities and differences between full and part-time students. Each student is trying for the goal of educating themselves to become more successful in life. As students begin their education there is a sense ...

Disjunctive reaction time as it relates to complexity level

Disjunctive reaction time as it relates to complexity level Abstract The reaction time for subject with increase complexity is the focus of this study. The ten respondents were randomly selected on the campus of University Wisconsin at Milwaukee. Ten subjects reaction time was evaluated with a computer ...

Part-time work Full-time rewards

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Part-time work Full-time rewards Cori Brouse ENL111 10 October 000 Part-time work Full-time rewards When you think about someone with a part-time job, you probably think the person is very lucky to have the job. Of course, you probably have one too and have the viewpoint of a younger person still ...

The Canterbury tales Our time versus Chaucers time

The Canterbury tales Our time versus Chaucers time Geoffrey Chaucer wrote “The Canterbury Tales” in the 100’s. During this period life was very different from the one that we know. The most obvious difference represented in the tales is the power that religion has over peoples everyday lives as compared ...

The dramatic monologues of Browning and Tennyson capture the mood and personality of the characters. One can imagine the speakers repeating their points of view time after time. Do you agree?

... monologues of Browning and Tennyson capture the mood and personality of the characters. One can imagine the speakers repeating their points of view time after time. Do you agree? English Literature - The Dramatic Monologues of Robert Browning and Alfred Lord Tennyson. Of the monologues I will be analysing ...

Time

Time Time is defined as a measured or measurable period, a continuum that lacks spatial dimensions. This broad definition lacks the simple explanation that humans are searching for. There are many scientists, philosophers, and thinkers who have tried to put time into understanding terms. The aspects ...

Time in Wilderian works

Time in Wilderian works According to Hall the experience of time varies in detail from class to class, by occupation, and sex and age within our own culture. (Hall, 184 1) Thus its perception is highly subjective. While some people may experience time as running very fast at the same ...

What is time

What is time Book Report What is time? Well, since it is almost impossible for anyone in any culture to define, the more appropriate question may be “how many kinds of time are there?” This is the title of first chapter in Edward T. Hall’s The Dance of Life The Other Dimension of Time. According to ...

Time Travel

Time Travel The concept of time travel has always been a prevalent idea used in science fiction. Many science fiction stories and novels have dealt with time travel, from classics such as The Time Machine by H. G. Wells to more modern stories such as Woman on the Edge of Time by Marge Piercy. Most ...

Time Travel

Time Travel Basic Introduction to Time Travel Time and space have fascinated man since the dawn of civilisation. People have spent aeons thinking about these concepts and the ideas behind them. The Greeks, the Romans, the English, all have stared at the heavens and wondered. And not without reason ...



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Monday, October 22, 2012

Emily Dickison

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Break Away & Retreat

In her poem, “The Soul has Bandaged moments�“ Emily Dickinson portrays the idea of a women’s soul fighting for freedom and then stepping down from her platform. Dickinson personifies the Soul as a female entity torn between Fright and a Lover. In this poem Dickinson possesses the desire to fight against social standards imposed on women and the stereotypes of feminine behavior. The Soul is rendered helpless by fear at first, but finds the strength to break free. The freedom to love is described as seeming perfection, yet it is not without its dangers. The poem shows the female souls rebellion and the happiness that it brings when she finally breaks down to the “Lover”. This happiness is stifled, however and the cause is not clear. Poem #51 works to suggest that along with unbridled passion come vulnerability, the risk of loss, and thus a new cause for fear. The woman figure in the poem is described as being intimidated by the idea of letting herself go so freely, which would go against her socially taught norms of constraint.

Through her use of imagery Dickinson is able to show how intimidation leads her Soul to feel captured after a moment of break through. Dickinson depicts Fright as a powerful hindering force in the first two stanzas. Its presence leaves the Soul “Bandaged” and “appalled,” both bound as well as weakened and terrified (1-). The idea of shock is further supported by Frights “ghastly” appearance (). Fright is a mischievous “Goblin” with “long fingers” (5-7). Not only is fear a demon, but also one who has a threatening grasp. The grasp of the Fright comes up and it stopped “to look at her” (4) This judging can be related to the strict ways society judged women’s actions. Ambition and the “moments of Escape” were not condoned. Society’s standards impose such a fear to her Soul that it freezes her hair, a sign of femininity. The Soul is so imposed by and scared of the looming Fright that it hinders her natural self. It is Fright that confines the Soul and hinders her unrestrained expression of Love. Dickinson could be expressing all of these feelings of fear to play along with the feminine themes of the time. The word “Lover” implies a sinful sexual relationship and supposedly this would scare an innocent lady.

The poem describes a moment of freedom between feelings of horror and fright and in this moment the Soul is able to be free like sound. This is shown in Dickinson’s use of the word “Bomb” (1). The word is appropriate not only because it is an explosive device but also it could relay the image of a church bell that “swings upon the hours” (14). This image makes the figure more powerful and gives the woman control over time. She has the liberty to decide the hours and counts them in a song. Yet, through her song she also revealing her whereabouts and precipitating her capture. The swinging has a double meaning in that it brings forth images of the gallows and death which is where the Soul will soon return.

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Dickinson’s bee metaphor seems to imply the Soul does not know quite what to do with her freedom. The movements of a bee are quick and “delirious borne” portrays the idea that she is too overwhelmed with happiness to make a decision. Like the Soul of a women one would assume the bee enjoyed its place in society. The job of the bee is to pollinate roses, which implies motherhood for a woman’s soul. Yet the rose is described as a dungeon and the bee wants to taste liberty instead of being nurturing to a flower. This indirectly critiques the social expectations of womanhood. In escaping the female soul is able to “touch liberty” and all senses are aroused for the reader to a point where the reader can understand the delirious feelings of the woman. Yet, the freedom seems perfect. Dickinson uses the image of noon to represent the day at its brightest, the sun at its highest, and a feeling of warmth. Paradise, in the same way, is the pinnacle of perfection and pleasure.

The pleasure she feels through freedom lasts only a short while before the Soul submits again to the constrains of social norms. The Soul’s break through contains images that are furthered in the third stanza. The lines, “When, Felon led along, / With shackles on the plumed feet” reinforce the earlier lines “swings upon the hours” and show the double meaning behind the freedom she momentarily felt. She has committed a crime against standards and these moments are “retaken” by her imposers. The tone is one of tired submission. Being “Bandaged” seems more like a caring, healing practice, rather than a binding one (1). The Soul is called a “Felon” (0), perhaps having committed the crime of feeling too much. She is “led along” (0) in shackles, yet being led relieves the pressure of having to choose her own path. Fright’s “Salute” and “Caress” of the Soul become gestures of acknowledgment and affection, and thus reassuring (5-6). The “Horror” indeed “welcomes” her back again (). Captivity here is a haven, as ungoverned “Liberty” seems too threatening (17). By choosing fear, the Soul avoids the possibility of losing all control, being completely vulnerable, and getting hurt.

The rhyme scheme of the poem correlates with the freedom experienced in the third and fourth stanza. In the first two stanzas there is almost perfect rhyme “her” and “stir” and “hair”, “o’er”, and “fair”. Then the poem escapes the confines of rhyme as the Soul escapes her Fright of love. When “retaken” (1) by Fright in the sixth stanza, perfect rhyme returns. Dickinson is able to show through her use of rhyme scheme how she as a poet is constrained in the same way that she is constrained as a lover, through social standards.

The diction in the last two lines signifies the extinction of her freedom. The word tongue extends the song images of the earlier stanzas, yet this time she is without the power of her tongue and therefore song. The bells have stopped ringing and there is no celebration when her captivity resumes. The word “brayed” is associated with the harsh, piercing sound a donkey makes, but the word “not” implies she is silenced beyond the degree of animals. The Soul is forced to be completely silent and submissive in her world of pain.

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dancer of the year

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It is 8 O’clock I am nervous, excited and scared all at the same time. I only have four more hours until I represent Ohio in the semi finals for dancer of the year. While I listen to the song relax on my headphones, I keep going over and over the dance in my head. This day could change my life.

I have danced ever since I have been able to walk. I was just two years old to be exact. Once a week I would put on my size 6 black paten leather tap shoes. I couldn’t wait for my dance lessons to come around. I never knew that when I was eighteen I would be competing in Cleveland to represent Ohio for dancer of the year.

Every day in the studio would practice till my feet hurt. I just had to get my dance polished. I only had one more week until I go to Cleveland to compete. Time after time my teacher would play my song just to stop it in the middle to tell me that my arm was bent, my toe wasn’t pointed or I had missed a tap. I was so tired , but I knew it had to be done if I wanted to move on.

Finally it is judgment day , I got my hair done , my make up on, and then finally my costume was on. I was more then ready to go out and give it my all.

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While standing back stage I meet the girls that I am going to compete against, they all seem to be so nice, I talked to everyone and wished them good luck. Then the host goes out and introduces the first girl. I am getting butterflies in my stomach, my adrenaline starts pumping. The first girl comes off stage, we all told her how great she did. Then the host calls out Amanda Roberts out to the stage. I go out and take my spot, and a deep breath, my music starts and I dance my heart out not even missing a tap or a pointed toe. The music ends and I take my bow the ,audience applause is so loud , and I tap my way off the stage.Then the next girl goes and the next until we are all done.



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Personal Goals

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Personal goals have always been important.

Through life and work he has always set goals to strive for. Stephen is now setting new goals because he

decided to return to college. This new set of goals will retain some of the goals that were set when Stephen first went to college right out of high school, some will be new goals that he has now.

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Stephen’s first goal is to learn different aspects of marketing to help with his current

job. A sales executive position with Barnes Distribution is a vital part of the sales program and obtaining his Bachelors Degree in Marketing would help his performance. Learning different marketing concepts will help in presentations Stephen performs when prospecting for new accounts. The course that is presented to Stephen offers a great deal that will help his all around performance. With this, he hopes that in time he will soon move into a different position that he is qualified for.

The satisfaction of a project completed is of importance to Stephen. One of the goals for him is to finish a degree he never did when he was younger. Starting college right out of high school was maybe not the right thing to do. Stephen has made it a practice to see projects through to completion. He looks at not just setting goals, but setting goals and seeing them through is a sign of maturity. Stephen realizes that he had not reached that maturity the first time he attended college but knows now that the maturity level is there. The degree that he set out to get has never been accomplished

Personal Goals 4

and that is one goal lingering out there to see through. When he receives his degree he will then not only have his much coveted degree he will also have achieved the satisfaction of seeing himself grow as a person because he reached another goal that he had set.

Stephen is also a family man and makes it a practice to set an example to his children. He covets his children and wants to best that life has to offer them. The best way he feels he can enable them to grasp what life has to offer is by leading by example. He can lead by example through the experience he has lived. Aldous Huxley was quoted in the book, Peak Learning (Gross, 168), “Experience isn’t what happens to you. It’s what you make out of what happens to you.” Stephen read that and took that to heart. To him, that made so much sense and wanted to take that and apply it to his life and experiences. Applying that to his life and experiences he looked at so many ways he could set an example for his children to follow. Not only was he able to set an example, he now saw where he could teach then and install the meanings behind the examples he was setting. This, of all goals that he set for himself, he felt was the most important. The mistakes or misjudgments he has made in this portion of his life he could at least talk about and lead his children to learn by. Stephen looks at this goal as the most important goal as it deals with the most important part of his life, his children.

To reach his goal Stephen needs the tools in place to be able to do this. As anyone knows, nothing in life comes easy. He researched and found The University of Phoenix. After hearing about this unique university he started researching the different avenues that they had to offer. Stephens’s time was valuable to his company so he had to take that into consideration. His family time was the most important thing to him. Could he

Personal Goals 5

actually find a way to do the schooling and still hold his responsibilities he owed to his family and job? Yes, he did find that opportunity there. Stephen did realize that nothing comes easy; actually nothing in life comes easy. The online experience offered though presented the ability that he felt was best for this to take place. The University of Phoenix offered the ability to enjoy the ability of having a family and not worrying about work. He also realized that just the opportunity being there from the university was not meaning that it was not easy. He had to apply himself and look at the goals he set for himself and practice everything that took to reach those goals. So far during the classes he has been in he has learned to be open minded, learn from others. There are not barriers out there in life, just obstacles.

To sum it up, Stephen feels comfortable enough to say that he believes that he has found the source to obtain his goals. Can he say that he found the absolute way to do it, no? Without the drive to reach personal goals, you will never find them.







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levi strauss tax problem

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Jeans maker Levi Strauss & Co. (LS&CO), USA, has revealed errors in its tax returns for 18 and 1 resulting in almost $1 million being wiped off previously reported earnings.

The San Francisco-based business says that in 18 and 1 it mistakenly took the same tax deduction twice for losses related to various manufacturing plant closures. The mistakes are expected to cost the company around $M. in future taxes and force a restatement of previous earnings.

The first casualty of this tax mess is the companys recently released third-quarter 00 results. These will be reduced by around $4.M. to $1.8M.

In addition, whilst the errors did not affect results for fiscal years 18 through 000, they will slice $6M. off net income for 001 and increase that years tax liabilities by $6M. Outside auditors are expected to reaudit the companys 001 financial statements.

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LS&CO says that its audit committee will also be looking into the situation.

Levis audit committee has been busy of late. Last month, following an enquiry into allegations made by two former employees, it reported that it had not discovered evidence of tax fraud. It did say, however, that the companys use of various tax reserves in the period 14 to 001 was not supported by sufficient contemporaneous documentation.

that years tax liabilities by $6M. Outside auditors are expected to reaudit the companys 001 financial statements.

LS&CO says that its audit committee will also be looking into the situation.

Levis audit committee has been busy of late. Last month, following an enquiry into allegations made by two former employees, it reported that it had not discovered evidence of tax fraud. It did say, however, that the companys use of various tax reserves in the period 14 to 001 was not supported by sufficient contemporaneous documentation



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Friday, September 28, 2012

Dear Sir or Madam

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t¡¯s my honor to have you attention to read my job---hunting materials. My name is wangyan I¡¯LL graduate from college soon ,. In order to entry into the society earlier ,So please allow me to introduce myself .

Opportunities are well only for the prepared mind so during three

years in the college ,I always all my efforts on everything .

in the sturdy ,I have mastered theoretical knowledge and improve

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my practice ability by taking part-time jobs .of course , I know it is not enough for me to have only it ,so in my spare time ,I sturdy computer knowledge and till now I have master basic operation specially frontpage and photoshop .of course ,I also like socialities to increaseI believe that I can create my own future with my own hands,I hope you can provide me with the chance.If Im honored to be accepted by you,Ill devote my heart and soul to my work and contribute myself to the future .I am confident that my efforts will give you a surprise. my experience.just like markt investigation,

t¡¯s my honor to have you attention to read my job---hunting materials. My name is wangyan I¡¯LL graduate from college soon ,. In order to entry into the society earlier ,So please allow me to introduce myself .

Opportunities are well only for the prepared mind so during three

years in the college ,I always all my efforts on everything .

in the sturdy ,I have mastered theoretical knowledge and improve

my practice ability by taking part-time jobs .of course , I know it is not enough for me to have only it ,so in my spare time ,I sturdy computer knowledge and till now I have master basic operation specially frontpage and photoshop .of course ,I also like socialities to increase my experience.just like markt investigation,



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Tuesday, July 24, 2012

mis

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Data can be said as raw materials that are used for the purpose of data processing. Whereas information is data which are already processed and made available to the concerned people. Data may not be understood by all be easily but when it properly interpreted it becomes information which are put forward to people.

Data which is now used both as a singular and plural form can be defined as facts, information, statistics, or the like, either historical or derived by calculation or experimentation. Data will be defined as any type of representation of an object of an event. Such a representation could be in the form of numbers, text, symbols, voice, or static or dynamic images.

In the above case EXAMPLE

Data The company plans to introduce a customer loyalty card.

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Information The company plans to introduce a customer loyalty card called Privilege, to retain existing customers and to attract new customers by offering discounts on selected purchase.

The first sentence is only a data as it is not properly interpreted and not properly understandable, whereas the second sentence gives a long picture of the data and makes it in a form whereby people can easily understand.

Data The chain is attempting to diversify.

Information The chain is attempting to diversify into other lines such as clothing and electrical goods like refrigerators and dishwashers.

The sentence written against information is very much explanatory as compared to the data sentence which is merely a short statement.

The information system gathered significant data on the customers behaviour, lifestyle aspirations etc which will to a large extent be a help the decision makers.

1. Based on the customers outlook towards the products in the past they can decide whether the customer gives more importance to the price of the product, quality of the product, style, design etc. By keeping this consideration in mind they can sell the new products.

. If the information system has details about the periods or days of the month during which most of the sales takes place, based on that the decision makers can plan when they should have the most number of stocks and when they should possess the last number of stocks. This can also help them to avoid unnecessary inventory costs.

. If they have records about which type of sales technique or promotional tools mostly influenced the customers, then they can try adopting the same techniques to promote sales of the new products.

4. If there is information showing the customers likeness or favouritism towards one particular brand, the decision makers can try to sell more varieties or quantities of that particular brand.



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Friday, July 20, 2012

Finance

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There has been an increased level of competition among financial intermediaries since the late 10’s and it will continue into the new millennium. The large players in this increased competition are the nonbank financial intermediaries. Our text explains that nonbanks are “other intermediaries and non-financial companies that have taken an increasing share of intermediation” (Burton & Lombra, 11). The text continues that these banks face much less regulation than traditional banks, which translates to significantly lower costs. This factor is allowing nonbank intermediaries to create a stronghold on the market, which is at its highest profit rates in history (1). What, exactly, are these intermediaries doing to banking?

Nonbanks play an important dual role in the financial system. They complement the role of commercial banks by filling gaps in their range of services. But they also compete with commercial banks and force them to be more efficient and responsive to the needs of their customers. Most nonbanks are also actively involved in the securities markets and in the mobilization and allocation of long-term financial resources. Pension funds and other institutional investors that move large long-term financial resources, act as intense opposition to the once dominant commercial banks. Nonbank financial intermediaries include various institutions, such as leasing, factoring, and venture capital companies to various types of contractual savings and institutional investors (pension funds, insurance companies, and mutual funds). The common characteristic of these institutions is that they mobilize savings and facilitate the financing of different activities, but they do not accept deposits from the public. The lack of public deposit capabilities is beginning to change, however, with the institution of on-line banking. Since on-line banking is the most prominent of the nonbank financial intermediaries, it will be our main focus.

Many on-line banking customers, today, wonder why people would still be members of a traditional bank where there are lines and ignorant customer service representatives. By using online banking, bank customers are able to avoid writing checks and balancing checkbooks. The customer must only post the company names and addresses of those that monthly bills are paid, one time. Once he/she does this, however, there will be no need to write a check, which will cut bill-paying time in half. The customer has instant access to account information and check clearance is reported immediately. These benefits must be attractive to the public, according to International Data Corp., who tells us that 6.6 million households did their banking on-line last year. They predict that, in less than five years, million will participate. Most of these on-line banking sites have minimal system requirements, which include either Netscape Navigator 4.06 web browser or Microsoft Internet Explorer 4.0 or newer browser. These browsers provide encryption of information, which makes on-line banking at least as secure as the traditional method, and possibly more secure (Hutheesing).

Traditional banks are receiving a lot of pressure from traditionally monoline credit card companies. These highly focused firms have been able to establish quite a reputation in the credit card market over the past decade. With the introduction of the Internet to the world over the past few years, these companies have been able to successfully market their closely related certificates of deposit and money market accounts. With improvements in Internet technology, these credit card companies have been able to assimilate to the more traditional, full service system. This movement in the banking industry is causing a scare among traditional banks. Michael Auriemma, president of Auriemma Consulting Group in Westbury, NY, explains in Miriam Souccar’s article that, “everybody in the financial services industry is talking about customer relationship management and how to maximize the profit of each individual customer, and credit card issuers have a leg up when it comes to managing relationships” (1). These issuers seriously market noncard benefits and use them as a major solution in maintaining customer relationships.

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As an employee of American Express Tax and Business Services, I am very familiar with their brand awareness that the corporate offices are using as a major marketing tool. With this and the Internet, American Express has been able to come to the forefront of nonbank on-line banking competition. American Express’ on-line bank offers money market and checking accounts, CD’s, bill payments, personal loans, and debit cards. To make up for its lack of banking offices, American Express offers rebates of up to $7 per year for automated teller machine surcharges. Other incentives include money market accounts with 5% yields and interest-bearing checking (Souccar, ). Although individual customers are a large target market for on-line banking institutions, small businesses are another important area of marketing exploration.

The assortment of products and services offered by nonbanks seem to be much more attractive to small businesses than many of the traditional banking alternatives. “A survey conducted by Mentis Corp. has found non-bank organizations generally are doing a better job than banks at targeting the needs of small companies” (“Banks losing small clients”, 1). Nonbanks seem to have a better, overall, understanding of the small business market and these businesses are responding accordingly. The computer awareness of small business owners is allowing nonbank organizations to aggressively develop advanced Web pages to support the marketing and communication needs of these businesses. These on-line solutions usually provide transactions capabilities. Kristen Min, research manager for Mentis Corp., explains that part of the nonbank attraction is that, ‘unlike banks, these organizations do not have regulatory barriers prohibiting or limiting interest on checking accounts, which has allowed them to offer their small business clients interest-bearing accounts for a number of years’ (“Banks losing small clients”, 1). Min continues, however, that the small business market is not closed to traditional banks because they already have their proven branch networks and staff interaction, which gives them an inside advantage in understanding small-business clients and selling them other related banking products and services. Also, since nonbanks are new to the business, traditional banks already have existing relationships with these owners. These relationships will greatly improve with the addition of insurance, loan and investment services that banks are beginning to offer (“Banks losing small clients”, ). Many companies are exploring the possibilities of becoming involved in “nonbanking”.

Jim Henry of Automotive News explains that many automakers are being drawn by the potential to expand into new, non-auto financial services. General Motors, Ford Motor Co., and BMW of North America are currently involved in creating their own banks. BMW has already been granted a state-charter in Utah to operate as a type of nonbank. These carmakers plan to market services, such as credit cards, checking, and savings accounts and investment services. There are many benefits that the automakers considered when planning the institution of these banks. By offering these non-auto services, the companies will be able to market a fuller range of financial services than their finance sectors can. These services will also promote customer brand loyalty and increased auto-related spending. Despite hopeful aspirations in the banking industry, Chritophe Germain, a credit a credit card analyst for Moody’s Investors Service in New York, is quite skeptical about the success of these automakers in the credit card business. He explains that Ford had killed an earlier credit card effort in 17, while GM still continues its program, however, with a much lower benefit than originally contracted. Germain agrees that these auto brands have impressive loyalty and leverage measures, but he doesn’t believe that their competition in the market will be great (Henry, 4). Ford Motor Credit Co., Ford’s current finance sector, however, has launched the first corporate debt offering ever to be conducted only on the Internet. This offering, as explained by Jim Bosscher, Ford Credit assistant treasurer, was issued because, ‘we want our customers to be investors and our investors to be customers’ (“Ford offer debt on Net”, 40). This type of financial involvement will be helpful in establishing Ford’s nonbank.

Nonbank financial intermediaries have come a long way in the last decade, and for reasons aforementioned, they have become an extremely competitive part of the personal and business banking arenas. Although there are many types of nonbanks in the world, on-line banking agencies have become most prevalent. We must keep an eye on the automakers, however, because they may be storming the nonbank front faster than analysts expect. Traditional banks have had a long-lived history; could it be their end or will they stay strong?







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Friday, July 13, 2012

Personal Injury Law

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I have been practicing law in North Carolina since 1. For almost ten years my practice has focused on plaintiff’s claims involving automobile wrecks, slip and fall, medical malpractice and workers’ compensation. Over the past couple of years I have become very concerned about the way personal injury cases (especially automobile wreck cases involving alleged soft tissue injury) are being handled by both plaintiff’s attorneys and insurance company claims adjusters.

I am concerned about the relationships between some attorneys and the medical providers treating their clients. I am also concerned about some claims adjusters getting dangerously close to the unauthorized practice of law and their efforts to discourage injured individuals from seeking legal representation. I have a plan that I believe can slow and eventually stop the downward spiral we all must admit exists in the world of personal injury claims and claims adjusting.

I have ceased my personal injury practice in hopes of seeing my plan implemented. First, we must acknowledge that there are always going to be personal injury claims and there are always going to be abuses on both sides. My plan involves educating the injured party on all aspects of a personal injury claim, including, but not limited to, realistic vs. unrealistic expectations, excessive medical treatment, medical liens and the proper use of medical payments coverage if such coverage exists.

As a licensed attorney, I could legally give such advice to an injured party without the risk of being accused of the “unauthorized practice of law”. I truly believe that if an individual is counseled by an attorney with extensive personal injury experience as to the issues outlined above, the carrier will see claim amounts drop dramatically without the risk of being charged by the plaintiff’s bar with the unauthorized practice of law.

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Obviously, my practice will be independent of the insurance carrier. However, my services will be provided to the carrier on a flat rate basis of $15.00 for a one hour consult. Additional hours or any part thereof will be billed at the rate of $75.00 per hour. Generally a one hour consult will cover all potential issues. In that the carrier will be paying the legal fee, the carrier will be my client and that fact will be communicated to the injured party. I will meet with the injured party alone or in the presence of the carrier/adjuster. Travel will be $1.00 per mile outside of Goldsboro. This mileage rate includes an allowance for food and lodging should the length of the trip require it. As an alternative I am willing to do the consult by telephone.

Should the injured party wish to pay the fee out of their own pocket then that party will be my client and I would meet with them alone. It would be clearly communicated to them that I would not be taking their case as a personal injury attorney but simply advising them on what to expect if they choose to retain counsel.



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Crisis on Mars (Creative Writing)

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Crisis on Mars

The most notable day in history, with out any question, was August 7th, 00. Mars was the closet to Earth then it had been for 7,000 years and appeared to be as large as Jupiter. To the surprise of all the citizens and governments around the world the United States launch 4 R-17X space shuttles. These shuttles had never been seen before although that some rumors of a shuttle fast enough to reach Mars in one to three months had circulated for years. This was the start of the colonization of Mars.

I was just starting my college career to become a nurse when the news erupted at 0 a.m. August 7th, 00. President Bush was to speak to the nation at one o’ clock from Bouvet Island. This island is located 1500 miles southwest of the Cape of Good Hope. It had been thought to be uninhabited but we now know it was the site of a joint NASA and U.S. Military Top Secret Space Program. I remember the moment the President spoke the words “Today we send brave Americans to the outer brink to establish a new world for the citizens of our country... Tomorrow you could be among those brave Americans.” From that day forward I knew that destiny would take me to Mars.

It was only 5 days after the spectacular launch of the 4 R-17X shuttle that they landed with a 00-person crew, on Mars. Mission One was to establish electric power through wind power. Twenty times the electricity needed for the same size community on earth was used every day. This electricity was used to separate carbon dioxide molecules into oxygen and carbon. The oxygen created was stored in the emptied space shuttle bays and used to supply the temporary biodome. The carbon molecules were combined with mercury in to carbon composites, which create a stronger then steel building material. The mercury, which had to be mined from the surface to create fertile soil, was also combined with silicone and to create glass panes, which allowed light and heat to enter but not escape. In the fertile soil, genetically modified trees and crops were planted. The colony was soon self-generating or self-sufficient.

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It was eight years ago, just two months after my 5th birthday that I first landed on Mars at Biodome Charlie. This was the newest of the three permanent biodomes. All of Mars is under control of the United States Government. Biodome Alpha is where the military and scientific, and medical facilities were located. Bravo was the site that all citizens’ homes were located while all military personal live in Alpha. As a regular citizen I lived at Bravo but as Director of Hospital Operations I worked at Alpha. I received a nurse practitioner and paramedic license in the U.S. to obtain this position.

On Nov. rd, 01 I received a call at home. On the other line was General Hoppel, Commander of the Martian Frontier, who spoke with great urgency, “Hurry to Grace” he emphatically shouted. Grace Science and Health Center were I worked and it consisted of all medical and scientific facilities. I hurriedly picked up my gear and rushed over to Grace. I couldn’t believe my eyes, of the now 054 colonists, 17 of them were now laying on the ground in need of medical attention. “Where’s the Chief Medical Officer?” I shouted as I hurried towards the crowd. “Over here Brent” screamed Tom a RN staff member. I saw Tom’s hand waving in the air and started towards him. I quickly noticed when Tom kneeled down that their laid Ryan McNeil, the man I was shouting for. “Chief what happened?” I said in total disbelief as I noticed blood all around him. “Brent there was an explosion in Grace, from a leaking oxygen tank,” his shaky voice seemed to whisper “it has taken out Lilly (our Surgical Doctor) and James (our M.D.).” “I’m not going to survive either” proclaimed Ryan. “Sure you will” I softly reassured him with tears starting to flow down my cheek. I knew that the next time I looked out in the back yard to watch his daughter Tambi and my youngest Hadlee playing, Tambi would not have a father. I knew this day would forever change me, change everyone.

“Tom gather all the staff, ” I ordered “we will meet by the Center’s fountain.” I needed to gather my thoughts and pull myself together quickly. I had already noticed laying lifeless nearby a seven-year-old boy everyone called Doeboy. I was completely beside my self. Here laid motionless the first baby I helped to deliver here on Mars. Emotions ran rampant through my body but I had a job to do. As close nit as our colony was, I knew almost every individual by name.

I needed to quickly gather together a strategy for treating the injured in this developing

outside infirmary. As I walked towards the fountain I saw Tamala; a local youngster who just started as a CNA at the hospital. Her body language told me she was in a hysteric state. As I approached Tamala, I saw her boyfriend Benny, a maintenance worker, placed on a coat. “Tamala” I bellowed “go get four laptops and a cart of emergency supplies for Tom and meet him by the fountain, I’ll take care of Benny”. Hesitantly she left to get the supplies. Benny was starting to turn blue; he must not be receiving oxygen I thought to myself. I pressed his jaw down opening his oral cavity and noticed a chunk of Benny’s tongue gone. He had bit the piece off and was chocking on it. I acquired a scalpel and a piece of hollow tubing from my bag. I needed to give an emergency trachanometry. Cutting just below the Adams Apple, I made an incision just large enough to fit in the tubing. I immediately saw his chest start to rise and fall. There was scrap metal in his leg but it would have to wait to be removed. I applied anesthetic to the wound, placed gauze over it, and wrapped it with bandage to keep it clean and help stop any bleeding.

I finally made it to the fountain where Tom had already taken charge of the staff. He explained that Tamala and June (a LPN) had just brought out as many supplies as they could. He had sent two people to the operating rooms but could not find Lilly. “She’s dead.” I muddled beneath my breath. Spying her intern Colby, I approach him. “Today is the day you become a doctor,” I reassuringly said “People’s lives are now in your hands, do what you must.” With out a word, in a full out jog, he headed to the operating rooms that were spared in the explosion. “Tom I need full vitals on all the injured every hour.” I exclaimed. Temperature, pulse, respiration and blood pressure abnormalities can tip you off to infections, cardiac or respiratory failures, shock and a host of other problems that could develop though not visibly noticeable. “I want the other three nurses to each take an aid; Let’s get everyone stabilized as soon as possible.” I demanded.

As I started walking back amongst the injured I noticed my daughters art teacher who had been in the hospital to get her tonsils out. There was blood coming from the right side of her head. This could be serious so I decided to check this injury right away. I clean up the side of her head and noticed the bleeding was coming from her ear. Grabbing my autoscope I examined the ear and was relieved to discover that it was a broken eardrum, the situation could have been much worse. I quickly drained the ear of fluids and place a cotton ball into the ear to absorb any secretions and taped gauze over the top of it. “She is going to be just fine.” I thought to myself.

I heard someone calling my name and as I turned around saw it was Tom. “We just found another victim” he shouted. Tom explained that as the fire and safety workers were clearing the building they found a man that had got caught under a piece of burning ceiling as it fell. Every one was stabilized and he gave me a list of the injured and their prognoses. I arranged them into the most critical to the least and what treatments to start them on. I hurried to the area were they had brought the burned man. There was third degree burns all over his body. Oh, what a gut wrenching smell emanated from his body. This was a very serious injury because of the risk of infection. I gathered five large rolls each of gauze and breathable bandage wrap. Burns of this nature are a pain staking and time consuming situation. First I started with his legs applying anesthetic and a skin conditioner to help the skin absorb and conserve moister making the skin much more pliable. The skin looked like a pile of leaves drying and curling up as if it lay on his body unattached from any other tissue. Smoothing out each piece of skin and reapplying more moisturizers I manipulated, to the best of my abilities, each piece of skin into place. I then place gently rolled the gauze around his legs followed by a roll of breathable bandage Slowly, I worked all the way up to cover his entire body. This procedure took 4 hours to complete. While I was treating Robert, the burned man, I kept in periodic contact with Tom who continued to update me with the progress of the other individuals. Reviewing each patient’s charts I determined the care they were to receive. I was exhausted and with the situation under control I returned home to rest and to put that day behind me though still today, on some nights, the nightmares of this day awaken me.



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