Nivea Sun Protection Products: A Case Study in Market Segmentation A careful market segmentation is critical to successfully selling products; you need to understand what makes different consumers tick and how best to reach them. Skincare giant Nivea conducted an impressive market research campaign that can be modeled by other firms. First, a little background: Beiersdorf is an international skincare company with leading brands such as Nivea and Eucerin. They have expanded significantly in the UK market through effective segmentation that matches consumer needs. The company has become the value leader in the field, meaning people spend more on Nivea sun protection products than any other brand. One important product line for Nivea is sun-related skincare products, worth upwards of £173.6 million in the United Kingdom alone. Nivea’s reputation in this broad segment is bolstered by robust scientific research and development focused on providing the best protection possible from the sun’s skin-damaging rays. The key was to further segment the sun protection products market by two important factors: Skin type and the climate where the products are used. Skin types include very light, fair, normal, dark and children (who tend to have thinner, lesser developed skin) while the climates include moderate, hot and very hot. The level of protection is measured by SPF, which stands for Sun Protection Factor. The lighter the skin and the higher the temperature, the higher the SPF that is needed. SPF 20 may be adequate protection for a fair-skinned person in the UK, but SPF 40 might be recommended for the same person if they were in a more tropical environment. The company’s market research revealed significant demographic differences between men (who go for convenience), women (who gravitate towards more luxurious products) and children (a market reached through adult parents, mostly mothers). Through the use of surveys and focus groups, Nivea was able to determine the attitudinal differences between distinct segments of consumers. They discovered concerned consumers who were not at all concerned about getting a tan but instead were more focused on protection from sun damage. Sun avoiders don’t buy these products at all because they avoid high-exposure situations, although with education they may be convinced of the need for sun protection product purchases. Conscientious sun lovers love being out in the sun but are concerned about protection. Careless tanners, on the other hand, don’t worry about the sun at all and buy low-SPF products if they buy any at all. Finally, the naïve beauty conscious people are the ones who want to have a good tan but don’t adequately understand the relation between SPF and protection. Nivea used this research to develop their unique brand positioning that includes making sun care as simple as possible, providing education about the importance of protection and finding ways to reinforce that protection message. One product innovation that came from this research was a product that offered full and instant protection from both UVA and UVB sunrays because many consumers fail to apply such products in the necessary time frame for effectiveness (20-30 minutes before exposure). Other product innovations have included sprays that are easy to apply, colorful products for children and water-resistant products for both children and adults. Advertising for children’s products targets the mothers of children with a protection message. Through targeted research, Nivea develop an understanding of customer segments that takes buying habits and motivations into account. Using this segmentation, product development and messaging both become more effective and sales and revenue increase.
Questions:
What are the different market segments identified in this case Study? Explain in detail with the help of the content given in the case. (You are supposed to find all the segments) What are the techniques Nivea company has adopted for collecting customer information? How Nivea company is improving its brand positioning through the information they get from customer research?

Please change it in other words because it is plagiarized

Topic: Training and development impact on Employee performance in Abu Dhabi islamic bank

Introduction

The training processes are the basis for providing information and for a training team to configure the specific experience through training methods and communication to influence their behavior and increase functional abilities, and to provide training knowledge to individual knowledge and skills. Its related behaviors directly translate into career and organizational stages, that’s increases the level of work productivity.

The desires and needs about the costumer are present and, for this reason, specialists and researchers about the field of modern training and management have gained importance. The industries gives a comprehensive explanation about concepts related to training strategy, which includes the concept of training, the concept of training strategy, preparation steps, obstacles to training strategy, also effective training program. the importance about the benefits, and training, its methods, methods and goals,.

Theoretical Framework of the study

Reinforcement Theory

Skinner's Reinforcement Theory is a theories based on human motivation. The theory is based on the principles of causality and knowledge, which is the behavior of the worker are regulated through the end of reward.

Skinner's Reinforcement Theory and Reinforcement Theory or one about the theory based on human motivation. The Reinforcement Theory Burrhus was published in 1957 by American social philosopher, psychologist and behavioral philosopher Frederic Skinner.

The theories are base upon the rules of knowledge and causality that govern employee behavior according to the kind of rewards. The theory is not evaluate personality, but is based on recognized and behavior.

Encouragement theory

Adlerian therapy and the therapy for short-term objectives and plus psychodynamics, based of theory and the Alfred Adler, a former colleague about the Sigmund Freud's. Adlerian therapy are focusing the develop about the individual identity while accepting and understanding the collaboration of all human beings. It is the concepts about the Adlerian theory.

This emphasizing the dignity and the value about human being, also the a positive outlook, affirming that they are capable of creating, deciding, and acting to change individuals. Promotion is often understood as an adrenal therapy technique or intervention. Promoting is not a technique, but a way of being with others that includes the skills of creating attitude and relationships.

Victor Vroom Expectancy Theory

The theory of hope Victor Vroom proposed by the Yale School Board in 1964) Vroom insists, not needs, is focus the outcomes, unlike Herzberg and Maslow. The theories states which is intensity about tendency for perform about the special way depends with the intensity about the expectation of a specific outcome and the attractiveness of the individual.

Expectancy theories the basics and4 assumptions “Vroom, 1964, cited Chintallo, S and Mahadeo, J. “2013”. The Vroom expect theories it assumes which is the behavior of consequence of conscious choices, and their goal is to maximize pleasure and minimize pain. Vroom realized that employee performance is based on individual factors, skills, such as personality, knowledge, skills and experience.

Empirical Review

The “Kraiger, 2009” in their research explain that increasing the organization's revenue and reducing turnover and playing the best role in reducing unemployment for the society. This thing is makes the society more efficient and beneficial.

Immediately, in 2016, the Islamic Bank of Abu Dhabi recognizing the governmental initiative to fill a thousand works in the financial sector within a hundred days. “ADIB, 2017” Bank workers will gain satisfaction when they play clients and increase profits, while increased profits will advantage the society more by csr activity.

(Abdelgadir and Elbadri, 2001) study, titled: Polish box training practices: an assessment also the improvement agenda".

This research is aim to study the training practices as well as the activity about Polish banks, and collected the data from (30) Polish banks. The training actions analyzed were:

Identify the training requires, the development of training program, also the evaluates effective of such programs. Research has founding which many of these banks work to identify training needs, the process of evaluating the results of training programs, and the outcome of their workforce.

(Daniels, 2003) study, titled: the Worker Training: the Strategic of Approaches the Better Investment Performance."

The research (15) met the added returns of the training process for one person working in the UK bank.

Research has found which is the training works hard in developing individuals' learning and skills, building effect and work groups, achieving high levels of quality, and making the organizational culture that supports the organization's goals and strategies, which in turn contributes to the return on training investments.

A study by “Gascó, et.al, 2004, entitled: "Using Information Technology for the H-R Training: And the E-Learning” Case Study.

This research is the conduct for the investigation and impact about information technologies about the (HRM) practices, particularly the training strategy for Spanish Tele-communication organization (Telefonica)

The essential findings about the study were the using about the technology of information in training, which has significantly develop the exploitation about their season managers and increased the number of attendees, also has helped to evaluate and improve effectiveness about the training programs. quality about this subsequent and programs quality systems.

This service organization goal to growth training systems it has receives be a self-help training list for workers.

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Required:

Question: Rewrite these paragraphs because it is plagiarized. please change the words

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Note: plagiarism is strictly prohibited please rewrite it and correct the grammer

please do it

You have been assigned to construct an optimal portfolio comprising two risky assets (Portfolios A & B) while considering your client’s risk tolerance. The attached spread sheet shows historical monthly returns of the two portfolios; the S&P 500 index; and 90-day Treasury Bills. Also shown are the annualized returns for each for the period specified. The first risky asset (Portfolio A) is a US equity strategy that uses publically available valuation, technical and sentiment factors to assess which stocks are over-priced and which are under-priced. Fundamental factors indicate the magnitude and quality of a company’s earnings and the strength of its balance sheet. Examples of such factors include: cash flow growth, cash flow return on invested capital, price to cash flow, and accruals which assess earnings quality (low quality earnings indicate that management may be manipulating earnings by adjusting accruals). Companies with favorable fundamental factors tend to outperform those with less favorable factors. Technical and sentiment factors seek to identify mispriced stocks resulting from investor behavior. Examples include: momentum and price reversals where investors tend to over-react to good news by bidding up prices ABOVE fair value and bad news by bidding down prices BELOW fair value; short interest on a stock which can indicate the investor sentiment about the company’s prospects; share buybacks which can indicate a positive signal from management’s optimism regarding a firm’s future prospects; and earnings / revenue surprise. Firms with favorable technical and sentiment factors also tend to outperform. For example, firms whose earnings and revenue exceed analysts’ expectations tend to continue to outperform vs. those firms that experience earnings surprise due to cost cutting.Starting with the market portfolio, the US equity strategy over-weights those stocks with more favorable fundamental, technical and sentiment factors and under-weights or avoids those stocks with less-favorable or un-favorable factors. The strategy seeks to out-perform the market portfolio as represented by the S&P 500. The monthly returns of the US equity strategy are shown in the attached spreadsheet (Portfolio A).The second risky asset (Portfolio B) is a global macro hedge fund. This strategy seeks to benefit from mis-pricings within and across broad asset classes by taking long and short positions in equity markets, bond markets and currencies. For example, if the manager believes that US equities will out-perform Japanese equities, the portfolio will go long S&P 500 futures and short TOPIX futures (TOPIX is a Japanese equity index). This long/short trade is not impacted by the overall direction of global equities, but rather the relative movement between US and Japanese equities. Similarly for bonds, if the manager believes that interest rates in the United Kingdom (UK) will decline more so than interest rates in Australia, then the manager will buy UK gilt futures (gilt is the 10-year UK bond) and short Australian 10-year bond futures. Again, this trade is not impacted by the overall direction of global interest rates, but rather the relative movement between UK and Australian rates. Recall that bond prices rise as interest rates decline. The global macro hedge fund is mostly market neutral meaning that long positions equal short positions thereby dramatically reducing systematic exposure (low beta). Portfolios A & B are much more volatile than the risk free rate. You will find that their correlation is small indicating that there is a diversification benefit to be had from holding both in a portfolio (I don’t show the correlation, but you will need to calculate this using the excel function “=correl(range 1, range2)”. You will be meeting with a client that is looking for investment advice from you based on your two strategies A & B. In preparation for your upcoming meeting with the client, your boss asks that you respond to the questions below and be ready to discuss. Hint: You will need to determine the correlations and volatilities for each risk premium. Analytical AssignmentThe analytical portion of the case assignment should be completed in the excel template which can be found in Canvas.1. Plot in Excel the risky asset opportunity set for Portfolios A & B. To do this you will need to calculate the missing information in the table from the Excel spreadsheet that accompanies the case using weights of portfolio A & B in 10 percentage point increments. To do this you will need to know how to program formulas in Excel using absolute and relative cell references from the data provided. (The table below already exists in the Excel file). Weight Port AWeight Port BReturn Standard DeviationSharpe Ratio0%100%1090208030704060505060407030802090101000Determine the optimal risky portfolio (e.g. the optimal allocation of A & B) using the concepts from Modern Portfolio Theory draw in the Capital Allocation Line (CAL). The approximate optimal allocation can be determined using the table in Excel like the one shown above. Or you can obtain a more precise optimal allocation using the formula shown in Chapter 7 (equation 7.13). Students are also encouraged to use Excel’s Solver function to find the optimal risky portfolio – that is also acceptable. When drawing the CAL on the efficient frontier graph plotted in Excel, you can manually draw a line starting at the risk free rate to the tangent point.2.Find the optimal complete portfolio based on your client’s indifference curve. Hint: Plot an indifference curve on the same graph you just created using the utility function formula from Chapter 6. To make things easier, you can use the same portfolio risk numbers from the table above and then calculate the expected return based on U = 9% and a risk aversion coefficient A = 10. Plot the indifference curve AND the opportunity set of risky assets on the same graph. Next determine the optimal complete portfolio. While this can be done graphically, you need to use utility theory concepts to determine a more precise allocation of the optimal risky portfolio (ymaxU) and T-Bills (1-ymaxU). 3.Use the capital asset pricing model (CAPM) to determine the beta and alpha of Portfolio A & Portfolio B. Show the CAPM relationship graphically for BOTH Portfolio A and Portfolio B (separate graphs). The market portfolio is represented by the S&P 500 and the risk free rate is represented by 90 day T-Bills. Determine the beta for portfolio A & B using the following methods:i.The slope function in Excel, and ii.The beta formula (co-variance divided by the market variance) is explained in the Modules 6 & 7 Notes; ppt lecture notes; and text book. Recall the covariance between two assets (A & B) is the volatility of asset A times the volatility of asset B times the correlation between A & B. Then calculate the alpha for each portfolio A & B using the intercept function in Excel and the CAPM formula solving for alpha. Note the two CAPM regressions are based on monthly returns so the y-intercept (or alpha) is a MONTHLY alpha. If you plug the annualized returns of the respective portfolio (A or B); the S&P 500; and T-Bills, the alpha you calculate will be an ANNUALIZED alpha. Intuition Questions a. Your client asks why you would combine the lower returning portfolio (A) with portfolio (B) in arriving at the optimal risky portfolio. What is your response? b. Your client believes in the weak form of market efficiency as it relates to security selection. Is Portfolio A’s performance sufficient justification to prove this belief? Why or why not?c. Assume your client believes in the strong-form of market efficiency as it relates ONLY to security selection, what portfolio substitution(s) would you make to your optimal risky portfolio? No calculations are necessary.d. After meeting with the client, she informs you that she prefers a return higher than that of the optimal risky portfolio. i. Is this possible to achieve and if so, how? ii. What does that indicate about your initial assumptions regarding the indifference curve?e. Portfolio A returned 5.86% p.a. over the evaluation period compared to a 2.57% p.a. for the S&P 500. This equates to a difference or outperformance of 3.29% p.a. According to the CAPM, the annualized alpha of portfolio A is 3.32% p.a. Explain the difference between the two numbers. (Note: It’s not due to rounding)Additional RequirementsOrganize and present your results neatly and be prepared to discuss.

When a solid is placed in a container and heat is applied, a phase change occurs.
___Temperature remains constant while all of a solid is converted to a liquid.
___When heat is applied to a solid, the molecular motion decreases as the temperature increases.
___The average kinetic energy of the system changes while all of a solid is converted to a liquid.
___The temperature increases while all of a liquid is converted to a gas.
___When a solid is converted to a liquid, heat is absorbed.
check all that apply

The G string on a guitar is 69 cm long and has a fundamental frequency of 196 Hz. A guitarist can play different notes by pushing the string against various frets, which changes the string's length. The third fret from the neck gives B♭ (233.08 Hz); the fourth fret gives B (246.94 Hz).

How far apart are the third and fourth frets?

Express your answer to two significant figures and include the appropriate units.

In 4 to 6 paragraphs:

Explain perimenopause, surgical menopause, stress menopause, and post-menopause.

Describe the signs of menopause.

Which other life changes (e.g., physical, psychosocial, and cognitive) may influence a women's experience during menopause?

Which women are at the highest risk for osteoporosis?

Describe the traditional and alternative therapies for the conditions associated with menopause. Suggest appropriate health, nutrition, and exercise guidelines for middle-aged and older adults.

CITE ALL SOURCES USED

At the beginning of the current year, Trenton Company's total assets were 258,000 and its total liabilities were 180,000 during the year the company reported total revenues of 103,000, total expenses of 81,000 and dividends of 10,000. There were no other changes in equity during the year and total assets at the end of the year were 270,000. Trenton Company's debt ratio at the end of the current year is. A 50.0%. B 1.50%. C 66.7% D 33.3% E 69.8%