MARKETING INFORMATION SYSTEM (MIS)

Size: px
Start display at page:

Download "MARKETING INFORMATION SYSTEM (MIS)"

Transcription

1 LESSON 4 MARKETING INFORMATION SYSTEM (MIS) CONTENTS 4.0 Aims and Objectives 4.1 Introduction 4.2 MIS Database Interna Records Externa Sources 4.3 Computer Networks and Internet 4.4 Data Mining and Data Warehousing 4.5 Marketing Inteigence Systems 4.6 Marketing Research Process 4.7 Let us Sum up 4.8 Lesson -end Activity 4.9 Keywords 4.10 Questions for Discussion 4.11 Suggested Readings 4.0 AIMS AND OBJECTIVES In this esson we sha discuss about Marketing Information System (MIS). After going through this esson, you wi be abe to: (i) (ii) (iii) Understand computer networks and Internet. Discuss data mining and data warehousing. Define marketing inteigence systems and marketing research process. 4.1 INTRODUCTION Marketing Information System (MIS) assesses the information needs of different managers and deveops the required information from suppied data in time regarding competition, prices, advertising, saes, distribution and market inteigence etc. Most of today s information systems are computer appications in a sophisticated data-driven age. These enabe marketers to be more better informed about their customers, potentia customers and competitors. New appications are being deveoped at a faster pace. 46

2 4.2 MIS Marketing Information System (MIS) The term Marketing Information Systems refers to a programme for managing and organising information gathered by an organisation from various interna and externa sources. MIS assesses the information needs of different managers and deveops the required information from suppied data in time regarding competition, prices, advertising expenditures, saes, distribution and market inteigence, etc. Information sources for MIS incude a company s interna records regarding marketing performance in terms of saes, and effectiveness and efficiency of marketing actions, marketing databases, marketing inteigence systems, marketing research, and information suppied by independent information suppiers. Interna Sources Externa Sources Marketing Database Data Retrieva System Evauation of Information Needs Information for Marketing Decisions Figure Database A database refers to the coection of comprehensive information about customers and prospects such as demographic and psychographic profies, products and services they buy, and purchase voumes, etc., arranged in a manner that is avaiabe for easy access and retrieva. Databases aow marketers access to an abundance of information, often through a computer system such as saes reports, news artices, company news reeases, and economic reports from government and private agencies, etc., that can be usefu in making various marketing decisions Interna Records Modern technoogy is making information required for marketing decisions ever more accessibe. It is possibe to track customer buying behaviour and better anayse and understand what customers want. The integration of various modern technoogies is aowing companies to access vauabe information. Ever increasing numbers of market researchers and managers are having access to e-mai, voice mai, teeconferencing, video conferences, and faxes. Interna database is the most basic starting point in deveoping a strong MIS. Marketers, not just the growing numbers of arge retaiers in our country, need information about what is demanded more by customers and what is not. Interna record systems hep in tracking what is seing, how fast, in which ocations, to which customers, etc. Avaiabiity of a such information reies on reports avaiabe on orders received from saes peope, reseers, and customers, copies of saes invoices, prices, costs, inventories, receivabes, payabes, etc. Getting inputs and designing systems to provide right data to the right peope at the right time is critica for marketing decisions. Box 4.1 Tanniru R. Rao is a happy man. The president and CEO of Market Probe have enough reason. His market research firm is isted among the top 50 market research agencies in the word. Rao, however, beieves that market research, in India, is sti at a nascent stage. Contd... 47

3 48 You need more quaified peope to do the fied work and that is sti not happening here, he says. Estabished in 1976, the company speciaises in marketing research and customer oyaty studies with offices in Canada, Europe and the US. Recenty, it started operations in India with centres in Mumbai, Bangaore and Dehi. With biings of $15 miion for caendar year 1999, Market Probe is ooking to spread the importance of speciaised research in India. In our business, ong-term reations are essentia and we make it a point to continue the reationship with our cients since, typicay, our customer oyaty studies are continuous, says Rao. The timing is just perfect. Many Indian serviceoriented companies are ooking at customer retention and oyaty programmes to strengthen their brand and services. And what is Rao targeting? Automotive companies, banks and hotes, initiay. Then, it woud extend to other businesses as we, says Rao. But reiabiity is one issue that has aways raised eyebrows when one mentions research reports in India. How is he panning to get over it? We work with cients and offer tactica and strategic recommendations to satisfy their needs, as we as the needs of the customer with commitment from our end, expains Rao. The company aready has cients such as Arvind Mis, BPL, Hindustan Lever and Reckitt & Coeman among other big names. Our first attempt wi be to repicate our goba customer base to India and aso add new cients, adds Rao. With vast experience in customer satisfaction research, empoyee satisfaction research, new product deveopment, brand heath management and custom research toos to meet demands of cients, Market Probe is geared to face the chaenge with its diverse and unique research. Matured markets pose a probem as many peope are not wiing to speak. I guess India being sti new to such research techniques, the response wi be far better, expains Rao. Rao, an aumnus from Indian Statistica Institute (ISI) and his team have deveoped new quantitative appications of Kruska s Anaysis for derived attribute importance and LISREL modes for oyaty modeing and surviva anaysis for customer retention forecast. There are proprietary products too under the Market Probe stabe that incude Satisfaction Navigator (SATNAV) and Customer Retention Forecasting System (CRFS) based on company s experience and extensive cient ist. Not to be just eft with quantitative research techniques, the company is aso into quaitative research, wherein it has copyright toos and projective techniques such as Life maps, Auto Drive and Interactive Workshop Method to faciitate focused outputs for strategic management of brands. We aso pan to have research and training in India to faciitate spreading our research techniques in Asia and Pacific regions, adds Rao. With an internationa cient ist ike AT&T, Xerox Corp, Kodak, American Express and Genera Motors, among other Fortune 500 companies, Market Probe is a set to make a definite impact in the Indian research scenario. We are confident about our services and I fee that Market Probe wi have a very favourabe response from India, adds Rao. ( Source: Narain Krishnamurthy, Stats and Facts, A&M, Juy 2000 ). Accumuated data about customers in various interna records is an important source to buid database such as customer inquiries, existing customers and past purchasing histories of these customers. The key information in this regard consists of RFM (Recency, Frequency, and Money) variabes. Recency refers to the time of purchase, frequency refects the number of times the customer made a product purchase from the firm, and money denotes the quantity and monetary vaue of the purchase. RFM heps anayse and deveop a customer index that refects which customers are more profitabe for the business. USP Age, in its September 2004 issue has reported that BPCL has been compiing its database for the past four years and has a formidabe coection of more than 1.4 miion customers. Shopper s Stop has been compiing data of its reguar customers through its oyaty programme, First Citizen. Further, a company in India can obtain a database for as itte as 50 paise to Rs. 5 per contact. Companies invoved in Direct Marketing such as Cataogue Seing and Mai Order Marketing are heavy users of databases Externa Sources Census Bureau is one key source of information regarding various demographic variabes. Besides Census Bureau of India, other sources incude Newspapers, Trade Pubications, Technica Journas, Magazines, Directories, Baance Sheets of companies, Syndicated and pubished research reports. Various third party information suppiers offer a variety of information about customers as per marketer s requirements, for a price. For exampe, Reader s Digest markets a database covering 100 miion househods. It is one of the best databases to assess potentia markets for consumer products. It ets Reader s Digest

4 management know the ikes and disikes of many of its readers. Behaviour Scan is a singe source information service that monitors consumer househod teevisions and records the programmes and commercias watched. This source is an exampe that screens about 60,000 househods in 26 US markets. Many companies deveop their own databases. According to Laurence N. Goa, a singe source providing information about househod demographics, purchases, teevision viewership behaviour, and responses to promotions is caed a singe-source data. When consumers from these househods go shopping in stores equipped with scanner-instaed computers, they present their credit cards to biing cerks for payment. This permits each customer s identification to be eectronicay coded so that the marketer can track his or her purchases. Marketing Information System (MIS) Some Important Data Sources 1. The Thomas Register: It is the word s most important industria buying guide for industria products. Thomas Register of Indian Manufacturers is avaiabe in print, CD, and through Internet. It has 120,000 istings of 40,000 industria manufacturers and service providers covering 10,000 different product and service categories. 2. The Source Directory: Source Pubishers, Mumbai pubish this directory. Currenty Mumbai and Dehi editions are avaiabe. It provides contact information on ad agencies and reated services, marketing and saes promotion consutants, market research firms, music companies, teemarketing, and different media. 3. Yeow Pages: Tata Press and GETIT yeow pages are eaders. Currenty, yeow pages pubications are avaiabe for a cities and major towns of India. New Horizons is a joint venture between Living Media and Singapore Teecom and have been pubishing directories for specific businesses. 4. Internet: It is a source of extensive data on amost any subject. Different types of pubished data, research findings, statistics, and figures are avaiabe either free or on payment. 4.3 COMPUTER NETWORKS AND INTERNET Present day computer networks enabe marketers to access data sources and customers with immediate information about products and performance. Through such networks, marketers can exchange e-mais with empoyees, customers, and suppiers. Onine information services such as Compu Serve and America Onine typicay offer their subscribers access to e-mai, discussion groups, fies for downoading, chat rooms, and databases and other reated research materias. Marketers can subscribe to maiing ists that periodicay deiver eectronic newsetters to their computer screens. This heps increased communication with a marketer s customers, suppiers, and empoyees and boosts the capabiities of a company s marketing information system. Onine information services are avaiabe ony to subscribers. However, the Internet aows goba exchange of e-mais, discussion through newsgroups on amost any subject, downoading of fies, chat rooms, etc. A we-maintained database enabes a company to anayse customer needs, preferences, and behaviour. It aso heps in identifying right target customers for its direct marketing efforts. 4.4 DATA MINING AND DATA WAREHOUSING The term data mining refers to automated data anaysis of arge amount of data stored in a data warehouse. This is simiar to extracting vauabe metas from mountains of mined ore. The purpose is to unearth with the hep of modern computing power meaningfu patterns of information that might be missed or remain undiscovered. Data mining creates customer database, which is extremey important for a narrowy defined target-marketing efforts. Data mining aso eads to buid database on reseers, distribution channes, media, etc. Data warehousing refers to storing subject-based, integrated, nonvoatie, time variant data in support of manageria decisions. It can be viewed as a 49

5 centra coection of cean, consistent, and summarised information gathered from severa operationa systems. With increasing computing capabiities, organisations are coecting arge amounts of a variety of information or data possiby faster than they can use, and for this reason a the coected data or information needs to be sorted, cassified and warehoused, so that it can be retrieved when needed in a meaningfu manner. 4.5 MARKETING INTELLIGENCE SYSTEMS In the current fast-paced business cimate, keeping up with macro-environmenta changes, and competition is becoming increasingy difficut. Marketing inteigence system refers to systematic and ethica approach, procedures, and sources that marketing managers use to gather and anayse everyday information about various deveopments with regard to competitors and other business trends in the marketing environment. This inteigence is coected from various sources such as newspapers, trade pubications, business magazines, taking with suppiers, channe members, customers, other managers, and saes force peope. About competitive inteigence, the genera idea is that more than 80 per cent information is pubic knowedge. The most important sources from which to obtain competitive inteigence incude competitors annua and financia reports, speeches by company executives, government documents, trade organisations, onine databases, and other popuar and business press. The company can take certain steps to obtain quaity marketing inteigence. The company shoud take steps to train and motivate fied saes personne about the types of information to report reguary on any reevant deveopments in the marketpace. Besides saes force, the company can take steps to motivate channe members to pass aong important inteigence. The company can aso purchase competitors products, and attend trade fairs. Some important questions that managers shoud ask about competitive inteigence are: How fast does the competitive cimate in our industry change? How important is it to keep our knowedge about these changes current? What are the objectives of our company about competitive inteigence? Who are the important cients for competitive inteigence? To whom shoud the inteigence effort be reported? With rapid deveopments in the area of software appications that run on PCs, it is becoming increasingy possibe to keep track of cient ists and the various kinds of contacts that are made with each cient. Many such programmes keep track of cients names, addresses, phone and fax numbers, e-mai addresses, persona detais such as birthdays, ikes and disikes, product/brand usage, hobbies, cub memberships, etc. Most of today s information systems are computer appications in a sophisticated datadriven age. These enabe marketers to be better informed about their customers, potentia customers, and competitors. This heps marketers to be more productive and estabish and sustain competitive advantage. New appications are being deveoped at a faster pace. The utimate focus of most such systems is to enabe marketers to know enough about any given customer and the competitive context, to fine-tune their marketing efforts to better serve the target market so that customer s needs are met perfecty. This is the utimate dream for every marketer. 4.6 MARKETING RESEARCH PROCESS 50 Whie the Marketing Information System has its focus on managing the fow of reevant information to decision-makers in the marketing department, marketing research is concerned with the function of generating information for marketing decision-makers.

6 There are occasions when there are no easy answers for a variety of marketing situations that marketing managers face. Such situations may ca for conducting forma marketing studies of specific probems and opportunities. Marketing research is intended to address carefuy defined marketing probems or opportunities. It heps in identifying consumer needs and market segments, furnishes information necessary for deveoping new products and formuating marketing strategies, enabes managers to measure the effectiveness of marketing programmes and promotiona activities, deveops economic forecasting, heps in financia panning, and quaity contro. Research undertaken without precisey defining the probem and objectives usuay resuts in wasting time and money. For conducting marketing research, companies deveop systematic procedures for coecting, recording, and anaysing data from secondary and primary sources to hep managers in making decisions. Marketing research is different from market research, which is information coected about a particuar market or market segment. In the process of marketing research, companies coect a ot of different types of information. David G. Bakken is of the opinion that it is easy to think of a these in terms of three Rs of marketing: Recruiting New Customers. Retaining Current Customers. Regaining Lost Customers. To recruit new customers, the researchers study different market segments to deveop the right products and services consumers need and want. To retain customers, the marketer may conduct customer satisfaction studies. Marketers reaise that good reationship with customers is important for ong-term positive saes resuts. Regaining ost customers can be a formidabe probem. It needs innovative marketing and outstanding communications. The information coected with respect to the first and the second Rs heps regaining the ost customers. Marketing Information System (MIS) 1. Expain three R s of Marketing? 2. What is internet? Check Your Progress 4.7 LET US SUM UP A database refers to the coection of comprehensive information about customers and prospects such as demographic and psychographic profies, products and services they buy, and purchase voumes, etc., arranged in a manner that is avaiabe for easy access and retrieva. Interna database is the most basic starting point in deveoping a strong MIS. Census Bureau is one key source of information regarding various demographic variabes. Internet is a source of extensive data on amost any subject. Different types of pubished data, research findings, statistics, and figures are avaiabe either free or on payment. 4.8 LESSON-END ACTIVITY Deveop a questionnaire to find out what four important services a beauty parour shoud offer to femaes aged among midde-income groups. 51

7 4.9 KEYWORDS Database Interna Records Externa Records Data Mining Data Warehousing 4.10 QUESTIONS FOR DISCUSSION 1. What are the different approaches used by Internet marketers to accompish their objectives? 2. Discuss some important Data Sources. 3. Marketing Inteigence System pay an important roe in MIS. Justify the statement. 4. What are the important consideration that manager shoud keep in mind about competitive inteigence? 5. Expain three R s of marketing SUGGESTED READINGS Rajan Saxena,, Tata McGraw Hi, Ramasamy & Namakumari,, Macmian India, S. Jayachandran,, TMH, Rampha and Gupta, Case and Simuations in Marketing, Gagotia, Dehi. SHH Kazmi,, Exce Books, New Dehi. Saroj Dutta, Marketing Sense, Exce Books, New Dehi. 52

ICAP CREDIT RISK SERVICES. Your Business Partner

ICAP CREDIT RISK SERVICES. Your Business Partner ICAP CREDIT RISK SERVICES Your Business Partner ABOUT ICAP GROUP ICAP Group with 56 miion revenues for 2008 and 1,000 empoyees- is the argest Business Services Group in Greece. In addition to its Greek

More information

Learning from evaluations Processes and instruments used by GIZ as a learning organisation and their contribution to interorganisational learning

Learning from evaluations Processes and instruments used by GIZ as a learning organisation and their contribution to interorganisational learning Monitoring and Evauation Unit Learning from evauations Processes and instruments used by GIZ as a earning organisation and their contribution to interorganisationa earning Contents 1.3Learning from evauations

More information

Capability Development Grant. Build business capabilities to sharpen your competitive edge

Capability Development Grant. Build business capabilities to sharpen your competitive edge Capabiity Deveopment Grant Buid business capabiities to sharpen your competitive edge 1 Buid up your business with the Capabiity Deveopment Grant The Capabiity Deveopment Grant (CDG) is a financia assistance

More information

Program Management Seminar

Program Management Seminar Program Management Seminar Program Management Seminar The word s best management schoos are noted for their superior program execution, high eves of customer satisfaction, and continuous program improvements.

More information

Order-to-Cash Processes

Order-to-Cash Processes TMI170 ING info pat 2:Info pat.qxt 01/12/2008 09:25 Page 1 Section Two: Order-to-Cash Processes Gregory Cronie, Head Saes, Payments and Cash Management, ING O rder-to-cash and purchase-topay processes

More information

CUSTOM. Putting Your Benefits to Work. COMMUNICATIONS. Employee Communications Benefits Administration Benefits Outsourcing

CUSTOM. Putting Your Benefits to Work. COMMUNICATIONS. Employee Communications Benefits Administration Benefits Outsourcing CUSTOM COMMUNICATIONS Putting Your Benefits to Work. Empoyee Communications Benefits Administration Benefits Outsourcing Recruiting and retaining top taent is a major chaenge facing HR departments today.

More information

(David H T Lan) Secretary for Home Affairs

(David H T Lan) Secretary for Home Affairs Message We sha make every effort to strengthen the community buiding programme which serves to foster among the peope of Hong Kong a sense of beonging and mutua care. We wi continue to impement the District

More information

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS Dehi Business Review X Vo. 4, No. 2, Juy - December 2003 CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS John N.. Var arvatsouakis atsouakis DURING the present time,

More information

3.3 SOFTWARE RISK MANAGEMENT (SRM)

3.3 SOFTWARE RISK MANAGEMENT (SRM) 93 3.3 SOFTWARE RISK MANAGEMENT (SRM) Fig. 3.2 SRM is a process buit in five steps. The steps are: Identify Anayse Pan Track Resove The process is continuous in nature and handed dynamicay throughout ifecyce

More information

Human Capital & Human Resources Certificate Programs

Human Capital & Human Resources Certificate Programs MANAGEMENT CONCEPTS Human Capita & Human Resources Certificate Programs Programs to deveop functiona and strategic skis in: Human Capita // Human Resources ENROLL TODAY! Contract Hoder Contract GS-02F-0010J

More information

SELECTING THE SUITABLE ERP SYSTEM: A FUZZY AHP APPROACH. Ufuk Cebeci

SELECTING THE SUITABLE ERP SYSTEM: A FUZZY AHP APPROACH. Ufuk Cebeci SELECTING THE SUITABLE ERP SYSTEM: A FUZZY AHP APPROACH Ufuk Cebeci Department of Industria Engineering, Istanbu Technica University, Macka, Istanbu, Turkey - ufuk_cebeci@yahoo.com Abstract An Enterprise

More information

IT Governance Principles & Key Metrics

IT Governance Principles & Key Metrics IT Governance Principes & Key Metrics Smawood Maike & Associates, Inc. 9393 W. 110th Street 51 Corporate Woods, Suite 500 Overand Park, KS 66210 Office: 913-451-6790 Good governance processes that moves

More information

APIS Software Training /Consulting

APIS Software Training /Consulting APIS Software Training /Consuting IQ-Software Services APIS Informationstechnoogien GmbH The information contained in this document is subject to change without prior notice. It does not represent any

More information

Australian Bureau of Statistics Management of Business Providers

Australian Bureau of Statistics Management of Business Providers Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad

More information

CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY. Course Offered By: Indian Environmental Society

CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY. Course Offered By: Indian Environmental Society CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY Course Offered By: Indian Environmenta Society INTRODUCTION The Indian Environmenta Society (IES) a dynamic and fexibe organization with a goba vision

More information

Let s get usable! Usability studies for indexes. Susan C. Olason. Study plan

Let s get usable! Usability studies for indexes. Susan C. Olason. Study plan Let s get usabe! Usabiity studies for indexes Susan C. Oason The artice discusses a series of usabiity studies on indexes from a systems engineering and human factors perspective. The purpose of these

More information

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com The #1 Sourcing Pubication in the Document Imaging Industry The #1 Sourcing Voume 11 Pubication No.7 in the Document Imaging Industry The #1 Sourcing Pubication in the Document Imaging Industry Sourcing

More information

ASSET MANAGEMENT OUR APPROACH

ASSET MANAGEMENT OUR APPROACH ASSET MANAGEMENT OUR APPROACH CONTENTS FOREWORD 3 INTRODUCTION 4 ASSET MANAGEMENT? 6 THE NEED FOR CHANGE 6 KEY PRINCIPLES 7 APPENDIX 1 19 GLOSSARY 20 2 FOREWORD Few things affect our customers ives as

More information

Teamwork. Abstract. 2.1 Overview

Teamwork. Abstract. 2.1 Overview 2 Teamwork Abstract This chapter presents one of the basic eements of software projects teamwork. It addresses how to buid teams in a way that promotes team members accountabiity and responsibiity, and

More information

Certified Once Accepted Everywhere Why use an accredited certification body?

Certified Once Accepted Everywhere Why use an accredited certification body? Certified Once Accepted Everywhere Why use an accredited certification body? Third party management systems certification is a frequenty specified requirement to operate in the goba market pace. It can

More information

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries.

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. Message The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. With the weight of our economy shifting towards knowedge-based and

More information

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations.

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations. c r o s os r oi a d s REDISCOVERING THE ROLE OF BUSINESS SCHOOLS The current crisis has highighted the need to redefine the roe of senior managers in organizations. JORDI CANALS Professor and Dean, IESE

More information

MICROSOFT DYNAMICS CRM

MICROSOFT DYNAMICS CRM biztech TM MICROSOFT DYNAMICS CRM Experienced professionas, proven toos and methodoogies, tempates, acceerators and vertica specific soutions maximizing the vaue of your Customer Reationships Competency

More information

DigitalKitbag. Email marketing

DigitalKitbag. Email marketing Emai marketing Who are Digita Kitbag? We re your business marketing team Digita Kitbag is owned and operated by Johnston Press, one of the argest regiona media pubishers in the UK and Ireand. We have a

More information

AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY

AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY Mr Gary Banks Chairman Productivity Commission PO Box 80 BELCONNEN ACT 2616 Dear Mr Banks AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY I refer to the Issues Paper issued September 1998 seeking submissions

More information

Advance PLM Software Solutions for Complex Business Processes

Advance PLM Software Solutions for Complex Business Processes Advance PLM Software Soutions for Compex Business Processes Abstract As customers word-wide camour for more technoogicay rich products, be it a car, or a smartphone, manufacturers are having to contend

More information

Leadership & Management Certificate Programs

Leadership & Management Certificate Programs MANAGEMENT CONCEPTS Leadership & Management Certificate Programs Programs to deveop expertise in: Anaytics // Leadership // Professiona Skis // Supervision ENROLL TODAY! Contract oder Contract GS-02F-0010J

More information

Business Banking. A guide for franchises

Business Banking. A guide for franchises Business Banking A guide for franchises Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia

More information

PREFACE. Comptroller General of the United States. Page i

PREFACE. Comptroller General of the United States. Page i - I PREFACE T he (+nera Accounting Office (GAO) has ong beieved that the federa government urgenty needs to improve the financia information on which it bases many important decisions. To run our compex

More information

Network/Communicational Vulnerability

Network/Communicational Vulnerability Automated teer machines (ATMs) are a part of most of our ives. The major appea of these machines is convenience The ATM environment is changing and that change has serious ramifications for the security

More information

SABRe B2.1: Design & Development. Supplier Briefing Pack.

SABRe B2.1: Design & Development. Supplier Briefing Pack. SABRe B2.1: Design & Deveopment. Suppier Briefing Pack. 2013 Ros-Royce pc The information in this document is the property of Ros-Royce pc and may not be copied or communicated to a third party, or used

More information

Strengthening Human Resources Information Systems: Experiences from Bihar and Jharkhand, India

Strengthening Human Resources Information Systems: Experiences from Bihar and Jharkhand, India Strengthening Human Resources Information Systems: Experiences from Bihar and Jharkhand, India Technica Brief October 2012 Context India faces critica human resources (HR) chaenges in the heath sector,

More information

endorsed programmes With our expertise and unique flexible approach NOCN will work with you to develop a product that achieves results.

endorsed programmes With our expertise and unique flexible approach NOCN will work with you to develop a product that achieves results. endorsed programmes With our expertise and unique fexibe approach NOCN wi work with you to deveop a product that achieves resuts. NOCN is a eading reguated UK awarding organisation that has been creating

More information

Internal Control. Guidance for Directors on the Combined Code

Internal Control. Guidance for Directors on the Combined Code Interna Contro Guidance for Directors on the Combined Code ISBN 1 84152 010 1 Pubished by The Institute of Chartered Accountants in Engand & Waes Chartered Accountants Ha PO Box 433 Moorgate Pace London

More information

German Auditors and Tax Advisors for foreign clients

German Auditors and Tax Advisors for foreign clients München Regensburg Dachau German Auditors and Tax Advisors for foreign cients Economy Finance Financia Reports Taxes Strategies München Regensburg Dachau SH+C has focussed on consuting foreign cients with

More information

Technology and Consulting - Newsletter 1. IBM. July 2013

Technology and Consulting - Newsletter 1. IBM. July 2013 Technoogy and Consuting - Newsetter Juy 2013 Wecome to Latitude Executive Consuting s atest newsetter, reviewing recent marketpace activity. The newsetter focuses on the Technoogy and Consuting sectors,

More information

Undergraduate Studies in. Education and International Development

Undergraduate Studies in. Education and International Development Undergraduate Studies in Education and Internationa Deveopment Wecome Wecome to the Schoo of Education and Lifeong Learning at Aberystwyth University. Over 100 years ago, Aberystwyth was the first university

More information

Introduction the pressure for efficiency the Estates opportunity

Introduction the pressure for efficiency the Estates opportunity Heathy Savings? A study of the proportion of NHS Trusts with an in-house Buidings Repair and Maintenance workforce, and a discussion of eary experiences of Suppies efficiency initiatives Management Summary

More information

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS TABLE OF CONTENTS INTRODUCTION... 1 GOVERNANCE... 1 COMMONLY PURCHASED GOODS AND SERVICES... 1 HOW TO REGISTER YOUR COMPANY...

More information

LESSON 13 TIME VALUE OF MONEY 13.0 AIMS AND OBJECTIVES 13.1 INTRODUCTION CONTENTS

LESSON 13 TIME VALUE OF MONEY 13.0 AIMS AND OBJECTIVES 13.1 INTRODUCTION CONTENTS Accounting and Finance for Managers LESSON 13 TIME VALUE OF MONEY CONTENTS 13.0 Aims and Objectives 13.1 Introduction 13.2 Foundations of The Time Vaue of Money 13.3 Cassifications of The Time Vaue of

More information

Management Accounting

Management Accounting Management Accounting Course Text Professiona, Practica, Proven www.accountingtechniciansireand.ie Tabe of Contents FOREWORD...v SYLLABUS: MANAGEMENT ACCOUNTING...vii PART 1 INTRODUCTION Chapter 1: Introduction

More information

STRATEGIC PLAN 2012-2016

STRATEGIC PLAN 2012-2016 STRATEGIC PLAN 2012-2016 CIT Bishopstown CIT Cork Schoo of Music CIT Crawford Coege of Art & Design Nationa Maritime Coege of Ireand Our Institute STRATEGIC PLAN 2012-2016 Cork Institute of Technoogy (CIT)

More information

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger Advanced CodFusion 4.0 Appication Deveopment - CH 3 - Server Custering Using Bri.. Page 1 of 7 [Figures are not incuded in this sampe chapter] Advanced CodFusion 4.0 Appication Deveopment - 3 - Server

More information

An advanced course in design options with aluminium profiles

An advanced course in design options with aluminium profiles Sapa UK in brief An advanced course in design options with auminium profies Profie Academy in brief: Principes of auminium extrusion and die design. Auminium aoys and materia properties. Profie design

More information

SPOTLIGHT. A year of transformation

SPOTLIGHT. A year of transformation WINTER ISSUE 2014 2015 SPOTLIGHT Wecome to the winter issue of Oasis Spotight. These newsetters are designed to keep you upto-date with news about the Oasis community. This quartery issue features an artice

More information

Professional Kingston

Professional Kingston Professiona Kingston Organisationa and workforce deveopment soutions n Facuty of Business and Law Aways improving 0/1 Contents Wecome 2 Why Kingston? 4 Course portfoio 6 Course detais 8 Work-based earning

More information

Ricoh Healthcare. Process Optimized. Healthcare Simplified.

Ricoh Healthcare. Process Optimized. Healthcare Simplified. Ricoh Heathcare Process Optimized. Heathcare Simpified. Rather than a destination that concudes with the eimination of a paper, the Paperess Maturity Roadmap is a continuous journey to strategicay remove

More information

FINANCIAL ACCOUNTING

FINANCIAL ACCOUNTING FINANCIAL ACCOUNTING Part 1 A conceptua framework: setting the scene 1 Who needs accounting? 2 A systematic approach to financia reporting: the accounting equation 3 Financia statements from the accounting

More information

Online Media Information

Online Media Information Onine Media Information www.sciencedirect.com The vita daiy source for 16 miion researchers and scientists around the gobe 70 miion pageviews each month Broad advertising product portfoio SciVerse ScienceDirect:

More information

LESSON LEVERAGE ANALYSIS 21.0 AIMS AND OBJECTIVES 21.1 INTRODUCTION 21.2 OPERATING LEVERAGE CONTENTS

LESSON LEVERAGE ANALYSIS 21.0 AIMS AND OBJECTIVES 21.1 INTRODUCTION 21.2 OPERATING LEVERAGE CONTENTS LESSON 21 LEVERAGE ANALYSIS CONTENTS 21.0 Aims and Objectives 21.1 Introduction 21.2 Operating Leverage 21.3 Financia Leverage 21.4 EBIT-EPS Anaysis 21.5 Combined Leverage 21.6 Let us Sum up 21.7 Lesson-end

More information

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students Expoding the Myths about DETC Accreditation A Primer for Students Distance Education and Training Counci Expoding the Myths about DETC Accreditation: A Primer for Students Prospective distance education

More information

Oracle. L. Ladoga Rybinsk Res. Volga. Finland. Volga. Dnieper. Dnestr. Danube. Lesbos. Auditing Oracle Applications Peloponnesus

Oracle. L. Ladoga Rybinsk Res. Volga. Finland. Volga. Dnieper. Dnestr. Danube. Lesbos. Auditing Oracle Applications Peloponnesus N o r w e g i a n S e a White 60ûN ATLANTIC OCEAN UNITED KINGDOM Rio Douro Hebrid Bay of Biscay Garonne Faroe Isands Shetand Isands Orkney Isands North Loire ine Rhone Rhine Po Ebe Adriatic Batic Guf of

More information

PLM for Pharmaceutical Industry

PLM for Pharmaceutical Industry PLM for Pharmaceutica Industry Abstract The Pharmaceutica industry hods an undeniaby important pace in the Life Sciences sector word-wide as it is soey responsibe for designing and manufacturing ifesaving

More information

The BBC s management of its Digital Media Initiative

The BBC s management of its Digital Media Initiative The BBC s management of its Digita Media Initiative Report by the Comptroer and Auditor Genera presented to the BBC Trust s Finance and Compiance Committee, 13 January 2011 Department for Cuture, Media

More information

INDUSTRIAL AND COMMERCIAL

INDUSTRIAL AND COMMERCIAL Finance TM NEW YORK CITY DEPARTMENT OF FINANCE TAX & PARKING PROGRAM OPERATIONS DIVISION INDUSTRIAL AND COMMERCIAL ABATEMENT PROGRAM PRELIMINARY APPLICATION AND INSTRUCTIONS Mai to: NYC Department of Finance,

More information

Ricoh Legal. ediscovery and Document Solutions. Powerful document services provide your best defense.

Ricoh Legal. ediscovery and Document Solutions. Powerful document services provide your best defense. Ricoh Lega ediscovery and Document Soutions Powerfu document services provide your best defense. Our peope have aways been at the heart of our vaue proposition: our experience in your industry, commitment

More information

Integrating Risk into your Plant Lifecycle A next generation software architecture for risk based

Integrating Risk into your Plant Lifecycle A next generation software architecture for risk based Integrating Risk into your Pant Lifecyce A next generation software architecture for risk based operations Dr Nic Cavanagh 1, Dr Jeremy Linn 2 and Coin Hickey 3 1 Head of Safeti Product Management, DNV

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

Best Practices for Push & Pull Using Oracle Inventory Stock Locators. Introduction to Master Data and Master Data Management (MDM): Part 1

Best Practices for Push & Pull Using Oracle Inventory Stock Locators. Introduction to Master Data and Master Data Management (MDM): Part 1 SPECIAL CONFERENCE ISSUE THE OFFICIAL PUBLICATION OF THE Orace Appications USERS GROUP spring 2012 Introduction to Master Data and Master Data Management (MDM): Part 1 Utiizing Orace Upgrade Advisor for

More information

The definition of insanity is doing the same thing over and over again and expecting different results

The definition of insanity is doing the same thing over and over again and expecting different results insurance services Sma Business Insurance a market opportunity being missed Einstein may not have known much about insurance, but if you appy his definition to the way existing brands are deveoping their

More information

TMI ING Guide to Financial Supply Chain Optimisation 29. Creating Opportunities for Competitive Advantage. Section Four: Supply Chain Finance

TMI ING Guide to Financial Supply Chain Optimisation 29. Creating Opportunities for Competitive Advantage. Section Four: Supply Chain Finance TMI171 ING info pat :Info pat.qxt 19/12/2008 17:02 Page 29 ING Guide to Financia Suppy Chain Optimisation Creating Opportunities for Competitive Advantage Section Four: Suppy Chain Finance Introduction

More information

2.5. Type 90. MediaManagement system the modern handling of hazardous substances

2.5. Type 90. MediaManagement system the modern handling of hazardous substances 2.5 MMS System 192 2.5 Type 90 MediaManagement system the modern handing of hazardous substances 193 The MediaManagement System (MMS) is a diverse, mutifunctiona and high-quaity soution for modern aboratory

More information

eye talk DIGITAL Contents

eye talk DIGITAL Contents eye tak DIGITAL Eye Tak Digita subscribers are abe to downoad a computer fie containing the atest product and price changes, as we as other vauabe resources for the management and deveopment of their practices.

More information

Federal Financial Management Certificate Program

Federal Financial Management Certificate Program MANAGEMENT CONCEPTS Federa Financia Management Certificate Program Training to hep you achieve the highest eve performance in: Accounting // Auditing // Budgeting // Financia Management ENROLL TODAY! Contract

More information

WHITE PAPER BEsT PRAcTIcEs: PusHIng ExcEl BEyond ITs limits WITH InfoRmATIon optimization

WHITE PAPER BEsT PRAcTIcEs: PusHIng ExcEl BEyond ITs limits WITH InfoRmATIon optimization Best Practices: Pushing Exce Beyond Its Limits with Information Optimization WHITE Best Practices: Pushing Exce Beyond Its Limits with Information Optimization Executive Overview Microsoft Exce is the

More information

Qualifications, professional development and probation

Qualifications, professional development and probation UCU Continuing Professiona Deveopment Quaifications, professiona deveopment and probation Initia training and further education teaching quaifications Since September 2007 a newy appointed FE ecturers,

More information

Older people s assets: using housing equity to pay for health and aged care

Older people s assets: using housing equity to pay for health and aged care Key words: aged care; retirement savings; reverse mortgage; financia innovation; financia panning Oder peope s assets: using housing equity to pay for heath and aged care The research agenda on the ageing

More information

Recognition of Prior Learning

Recognition of Prior Learning Recognition of Prior Learning Information Guideines for Students EXTENDED CAMPUS This subject materia is issued by Cork Institute of Technoogy on the understanding that: Cork Institute of Technoogy expressy

More information

How to deal with personal financial problems

How to deal with personal financial problems How to dea with persona financia probems D I S P U T E R E S O L U T I O N Introduction Heping you face the future with confidence In 2014, the eve of consumer debt in the UK grew to reach a seven-year

More information

Bite-Size Steps to ITIL Success

Bite-Size Steps to ITIL Success 7 Bite-Size Steps to ITIL Success Pus making a Business Case for ITIL! Do you want to impement ITIL but don t know where to start? 7 Bite-Size Steps to ITIL Success can hep you to decide whether ITIL can

More information

COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017. Great homes, great services, great people.

COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017. Great homes, great services, great people. COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017 Great homes, great services, great peope. Contents Foreword 2 Executive summary 1. Achievements 5 2. Context 7 3. Our peope 9.Objectives 11 5. What we

More information

alllearn Microsoft with We are XMA. Call us now on 0115 846 4900 Visit www.xma.co.uk/alllearn Email alllearn@xma.co.uk Follow us @WeareXMA

alllearn Microsoft with We are XMA. Call us now on 0115 846 4900 Visit www.xma.co.uk/alllearn Email alllearn@xma.co.uk Follow us @WeareXMA alearn with Microsoft We are XMA. Ca us now on 0115 846 4900 Visit www.xma.co.uk/aearn Emai alearn@xma.co.uk Foow us @WeareXMA Introduction Use our 'steps to alearn' framework to ensure you cover a bases...

More information

Monopoly 8. 3 the local refuse disposal service 4 your school 5 the national telephone service 6 the national postal service.

Monopoly 8. 3 the local refuse disposal service 4 your school 5 the national telephone service 6 the national postal service. Monopoy 8 By the end of this chapter, you shoud be abe to: HL expain the assumptions of monopoy HL define, expain, and give exampes of sources of monopoy power/ barriers to entry HL define, expain, and

More information

Delhi Business Review X Vol. 4, No. 2, July - December 2003. Mohammad Talha

Delhi Business Review X Vol. 4, No. 2, July - December 2003. Mohammad Talha Dehi Business Review X Vo. 4, No. 2, Juy - December 2003 TREATMENT TMENT OF GOODWILL IN ACCOUNTING Mohammad Taha GOODWILL is usuay ony recorded in an accounting system when a company purchases an unincorporated

More information

ELEVATING YOUR GAME FROM TRADE SPEND TO TRADE INVESTMENT

ELEVATING YOUR GAME FROM TRADE SPEND TO TRADE INVESTMENT Initiatives Strategic Mapping Success in The Food System: Discover. Anayze. Strategize. Impement. Measure. ELEVATING YOUR GAME FROM TRADE SPEND TO TRADE INVESTMENT Foodservice manufacturers aocate, in

More information

We are XMA and Viglen.

We are XMA and Viglen. alearn with Microsoft 16pp 21.07_Layout 1 22/12/2014 10:49 Page 1 FRONT COVER alearn with Microsoft We are XMA and Vigen. Ca us now on 0115 846 4900 Visit www.xma.co.uk/aearn Emai alearn@xma.co.uk Foow

More information

Accounting in the Construction Industry

Accounting in the Construction Industry Accounting in the Construction Industry How your CPA can hep you be among the 80 percent of contractors expected to survive the next year, rather than the 20 percent expected to fai. This whitepaper wi

More information

Personal and Public Involvement Toolkit for Staff

Personal and Public Involvement Toolkit for Staff Persona and Pubic Invovement Tookit for Staff INTRODUCTION The Southern Trust is committed to ensuring that everyone who needs to and wishes to be invoved in the panning, deveopment and evauation of its

More information

Financial Accounting

Financial Accounting Financia Accounting Course Text Professiona, Practica, Proven www.accountingtechniciansireand.ie Tabe of Contents FOREWORD...xi SYLLABUS: FINANCIAL ACCOUNTING...xiii CHAPTER 1: INTRODUCTION TO ACCOUNTING...1

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

Breakeven analysis and short-term decision making

Breakeven analysis and short-term decision making Chapter 20 Breakeven anaysis and short-term decision making REAL WORLD CASE This case study shows a typica situation in which management accounting can be hepfu. Read the case study now but ony attempt

More information

RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES

RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES Reach an unrivaed goba network of outstanding higher education professionas SUPPORT Advertise onine a your professiona support roes for FREE! See page 10

More information

Accreditation: Supporting the Delivery of Health and Social Care

Accreditation: Supporting the Delivery of Health and Social Care Accreditation: Supporting the Deivery of Heath and Socia Care PHARMACY E F P T O L P E D P E C M F D T G L E F R Accreditation: Supporting the Deivery of Heath and Socia Care June 9, 2015 marks Word Accreditation

More information

What makes a good Chair? A good chair will also: l always aim to draw a balance between hearing everyone s views and getting through the business.

What makes a good Chair? A good chair will also: l always aim to draw a balance between hearing everyone s views and getting through the business. Chairing a meeting An important job of the Chairperson is chairing meetings. Prior House 6 Tibury Pace Brighton BN2 0GY Te. 01273 606160 Fax. 01273 673663 info@resourcecentre.org.uk www.resourcecentre.org.uk

More information

8x8 Webinar: Prepare Now to Survive a Disaster Later

8x8 Webinar: Prepare Now to Survive a Disaster Later 8x8 Webinar: Prepare Now to Survive a Disaster Later January 23, 2013 2009 NASDAQ-LISTED: EGHT The materias presented in the webinar provided by 8x8, Inc. are intended to provide genera information on

More information

mi-rm mi-recruitment Manager the recruitment solution for Talent Managers everywhere

mi-rm mi-recruitment Manager the recruitment solution for Talent Managers everywhere mi-rm mi-recruitme Manager the recruitme soution for Tae Managers everywhere mi-rm mi-recruitme Manager Your very own tae manager First Choice Software has been a eading suppier of recruitme software since

More information

HEALTH PROFESSIONS PATHWAYS

HEALTH PROFESSIONS PATHWAYS T heoffic eofcommuni t yco egeres ea r c ha ndl ea der s hi p Co egeofe duc a t i ona ti i noi s The Heath Professions Pathways (H2P) Consortium is a nationa consortium comprised of nine coeges in five states

More information

Chapter 2 Developing a Sustainable Supply Chain Strategy

Chapter 2 Developing a Sustainable Supply Chain Strategy Chapter 2 Deveoping a Sustainabe Suppy Chain Strategy Bakan Cetinkaya Learning Goas. By reading this chapter you wi: Know the basics of competitive strategy and suppy chain strategy and understand their

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

B S. Cloud-EBS ACCESS INFOTECH (P) LTD. Incubating Ideas To Optimize Your Business Process. Business Tracking Tool

B S. Cloud-EBS ACCESS INFOTECH (P) LTD. Incubating Ideas To Optimize Your Business Process. Business Tracking Tool Incubating Ideas To Optimize Your Business Process E B S Coud-EBS Business Tracking Too ENTERPRISE BUSINESS SUITE SAAS ERP SERVICES DATABASE ADMINISTRATION MANAGED IT SOLUTIONS CUSTOMIZED SOFTWARE SOLUTION

More information

Project Stories from the CENTRAL EUROPE Programme Technology Transfer and Business Innovation

Project Stories from the CENTRAL EUROPE Programme Technology Transfer and Business Innovation Project Stories from the CENTRAL EUROPE Programme Technoogy Transfer and Business Innovation Pubisher: CENTRAL EUROPE Programme Joint Technica Secretariat Museumstrasse 3/A/III 1070 Vienna Austria Concept

More information

Niagara Catholic. District School Board. High Performance. Support Program. Academic

Niagara Catholic. District School Board. High Performance. Support Program. Academic Niagara Cathoic District Schoo Board High Performance Academic Support Program The Niagara Cathoic District Schoo Board, through the charisms of faith, socia justice, support and eadership, nurtures an

More information

Structural Developments and Innovations in the Asset- Backed Commercial Paper Market

Structural Developments and Innovations in the Asset- Backed Commercial Paper Market Structura Deveopments and Innovations in the Asset- Backed Commercia Paper arket ark H. Adeson anaging Director, Asset-Backed Commercia Paper oody s Investors Service Strategic Research Institute 1997

More information

Microsoft Visual Studio 2005 team system. Integrated life-cycle tools for faster more effective application development

Microsoft Visual Studio 2005 team system. Integrated life-cycle tools for faster more effective application development Microsoft Visua Studio 2005 team system Integrated ife-cyce toos for faster more effective appication deveopment Microsoft Visua Studio 2005 represents one of the most significant deveoper toos reeases

More information

APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC

APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC Appendix 10.1: substantive audit programme for production wages: Troston pc 389 APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC The detaied audit programme production wages

More information

SAP Business Analytics. Services & Solutions for the Metals and Mining Industry

SAP Business Analytics. Services & Solutions for the Metals and Mining Industry SAP Business Anaytics Services & Soutions for the Metas and Mining Industry Niche Business Anaytics Soutions & Services SAP Soutions SAP Business Inteigence Enterprise Data warehousing Reporting & Dashboards

More information

DECEMBER 2008. Good practice contract management framework

DECEMBER 2008. Good practice contract management framework DECEMBER 2008 Good practice contract management framework The Nationa Audit Office scrutinises pubic spending on behaf of Pariament. The Comptroer and Auditor Genera, Tim Burr, is an Officer of the House

More information

Art of Java Web Development By Neal Ford 624 pages US$44.95 Manning Publications, 2004 ISBN: 1-932394-06-0

Art of Java Web Development By Neal Ford 624 pages US$44.95 Manning Publications, 2004 ISBN: 1-932394-06-0 IEEE DISTRIBUTED SYSTEMS ONLINE 1541-4922 2005 Pubished by the IEEE Computer Society Vo. 6, No. 5; May 2005 Editor: Marcin Paprzycki, http://www.cs.okstate.edu/%7emarcin/ Book Reviews: Java Toos and Frameworks

More information

professional indemnity insurance proposal form

professional indemnity insurance proposal form professiona indemnity insurance proposa form Important Facts Reating To This Proposa Form You shoud read the foowing advice before proceeding to compete this proposa form. Duty of Discosure Before you

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information