Many academics as well as global monetary institutions like IMF and BIS have concluded that when financial sector gets big, it starts hurting economic development. As finance starts having adverse effect the role of the capital markets and the banking sector in funding new investment is decreasing. Write a short essay (1-2 pages) about the role of financial sector, and start it with a personal view by highlighting the benefits/drawbacks that you’ve experienced. Then discuss positive and negative macroeconomic aspects that the financial innovation or too big financial sector can bring about. Evaluate the role of finance in modern society to conclude the essay.

Course: The U.S. Health Care System

While the US healthcare system represents around $3.5 trillion in annual spending and is the largest single sector of the overall economy, it also sits inside larger "macro trends" that help define the landscape of jobs. Factors to consider: globalization, the state of the general economy, the rapid pace of innovation, digitalization of medicine and genomic technology, and demographics of the U.S. population (e,g, aging population, and higher healthcare utilization) and changing values and beliefs.

Question: So what do you think? What human resources needs are you likely to be encountering – and managing -- in ten or so years?

Case:- DETROIT BIKES: BECOMING THE BIGGEST BICYCLE MANUFACTURER IN NORTH AMERICA. by Ivey publishing

1. Apply the PEST and PORTER e-scan model to the Detroit Bikes business model. Based on this, what is your take on the attractiveness of their industry as a business opportunity?

2. What is the competitive advantage of Detroit Bikes? Brand? Low-cost? Innovation? Niche? Diversification? Please explain. How would you characterize their target market and brand?

3. Noting all we have discussed in the course this far, what would you suggest is the best strategy to grow the business? What are the opportunities and risks with this growth strategy?

A) What would be the consequences of the following expected trends in the future of the U.S. Hispanic market? (address each trend separately)

1. A younger and faster growing population
2. A more diversified cultural group: multiethnic and multifaceted Latino market
3. Cultural marketing becomes more important
4. Technological innovation will have a greater impact on Hispanics
5. Political mobilization of Latino voters
6. Researcher will focus on the study of consumer behavior of Hispanics, with emphasis on collectivism, metaphysical influences, changes in gender role relations, polymorphic leadership, influence of time and space, cross-border transactions, and the new “greening of America.”

B) What are the implications for marketers of the trends listed in question A

Assume that you are stuck in an elevator with a potential investor and only have 60 seconds to pitch a business idea that you developed. 2. Develop a 60-second “elevator” pitch to summarize the business idea. Record this, either using video or audio and post it to this discussion forum. Your pitch should include the following: The problem your product or service is going to solve Types of people or companies that suffer from the problem How widespread the problem is and the importance of solving it The innovation or competitive advantage behind the product/ service 3. Ensure that your video/audio clip has an appropriate means of protecting it from unauthorised use.

Amidst the affluence of post-industrial societies exist some unsettling paradoxes:

a. Rather than being dedicated to disease research or pursuit of environmentally friendly production techniques, the talents of many researchers are channeled toward making existing products distinct from each other. Is the level of product innovation excessive in market economies?

b. Further resources, including artistic talent, are devoted to advertising campaigns with the same seemingly wasteful objective of attracting customers from rival firms. Does free competition lead to the socially efficient level of advertising in market economies? Should public policy limit advertising and research?

Question 2

By Economic Growth we mean that:

1 The quality of the goods and services offered in the country is increasing.

2 The GDP per capita is growing from year to year.

3 There are more goods and services offered in the country.

4 The GDP is growing each year.

Question 3

Innovation is the key to economic growth because...

[Multiple correct answers]:

1 It allows greater output from the same labor and capital.

2 Many people can benefit from it simultaneously.

3 It has no decreasing marginal return (or it decreases only in the long run relative to capital and labor).

4 It allows higher productivity.

1a. What is the "one country, two systems" approach of China? How did it come about? How is the concept doing today?

1b. Describe and explain the four phases of the international planning process. Please provide example (s) when suitable.

1c. Describe the five characteristics of an innovation that assist in determining the rate of acceptance or resistance of the market to a product. Please provide examples.

1d. What has become the primary vehicle for doing business in many foreign countries? Explain and justify your answer with example(s).

1e. What are the various techniques that can be used to motivate middlemen? Please illustrate your answer with examples.

For years Evo has supported athletic teams, but only recently did the Seattle-based e-commerce company launch a formal work team. Like many organizations, the online retailer of snowboard, ski, skate, and wake gear used team metaphors loosely to describe anything involving random groups of employees. But Evo got an education on real work teams when the company formed a team for its creative services employees.

The new group, which is comprised of a photographer, designer, and copy writer, is responsible for producing Evo’s magazine ads, promotions, and web site content. Although the individuals’ roles are not generally interchangeable, photographer Tre Dauenhauer might dabble in design, graphic designer Pubs One may write a few lines of copy, and copywriter Sunny Fenton might snap photos on occasion. Most team projects require a combination of eye-grabbing photos, clever words, and a compelling design, and the teammates are committed to a common purpose.

When the creative services team launched, group members moved into their own space, away from Evo’s chaotic, open-plan work areas. Being together every day enabled the team members to become better acquainted and move through the “forming” stage more quickly. But even with close quarters, Dauenhauer, One, and Fenton needed help navigating the conflict-ridden, storming stage of their team’s development. Before joining the team, they functioned individually and weren’t used to sharing power or making decisions as a group. To help the members learn to work together, Nathan Decker, director of e-commerce, became the team leader. As a skilled negotiator, Decker makes sure his talented trio steers clear of dysfunction and delivers the goods. Any time the team finishes a project, Decker brings members together for a post-mortem discussion—a method of reviewing what was learned, and how things could be executed differently. It’s here that the team members identify new routines and rituals to incorporate into their process for future improvement.

Due to Decker’s leadership and skillful negotiation of conflicts, members of the creative services team are learning how to communicate in ways never before possible. Having a skilled leader to facilitate work processes has helped build team cohesiveness and deliver a collective output that is greater than the sum of its parts.

1. What organizational dilemma was hurting Evo’s creative output, and how did management resolve the problem using teams?

2.   How might Nathan Decker lead effectively as the team starts “norming”?

3.   Can you relate the group performance factors of composition, size, norms, cohesiveness, and informal leadership to Evo?

For years Evo has supported athletic teams, but only recently did the Seattle-based e-commerce company launch a formal work team. Like many organizations, the online retailer of snowboard, ski, skate, and wake gear used team metaphors loosely to describe anything involving random groups of employees. But Evo got an education on real work teams when the company formed a team for its creative services employees.

The new group, which is comprised of a photographer, designer, and copy writer, is responsible for producing Evo’s magazine ads, promotions, and web site content. Although the individuals’ roles are not generally interchangeable, photographer Tre Dauenhauer might dabble in design, graphic designer Pubs One may write a few lines of copy, and copywriter Sunny Fenton might snap photos on occasion. Most team projects require a combination of eye-grabbing photos, clever words, and a compelling design, and the teammates are committed to a common purpose.

When the creative services team launched, group members moved into their own space, away from Evo’s chaotic, open-plan work areas. Being together every day enabled the team members to become better acquainted and move through the “forming” stage more quickly. But even with close quarters, Dauenhauer, One, and Fenton needed help navigating the conflict-ridden, storming stage of their team’s development. Before joining the team, they functioned individually and weren’t used to sharing power or making decisions as a group. To help the members learn to work together, Nathan Decker, director of e-commerce, became the team leader. As a skilled negotiator, Decker makes sure his talented trio steers clear of dysfunction and delivers the goods. Any time the team finishes a project, Decker brings members together for a post-mortem discussion—a method of reviewing what was learned, and how things could be executed differently. It’s here that the team members identify new routines and rituals to incorporate into their process for future improvement.

Due to Decker’s leadership and skillful negotiation of conflicts, members of the creative services team are learning how to communicate in ways never before possible. Having a skilled leader to facilitate work processes has helped build team cohesiveness and deliver a collective output that is greater than the sum of its parts.

1. What organizational dilemma was hurting Evo’s creative output, and how did management resolve the problem using teams?

2.   How might Nathan Decker lead effectively as the team starts “norming”?

3.   Can you relate the group performance factors of composition, size, norms, cohesiveness, and informal leadership to Evo?