Damelin Port Elizabeth Essay Example | Topics and Well Written Essays - 1750 words

Damelin Port Elizabeth - Essay Example Insurance product offering are based on life, home and vehicles needs of a demographic, the home loan includes specially tailored products for certain category segments based on ownership patterns ranging from home owners to tenants and other liability protection as needed in that industry. Wachovia's auto loans segment has introduced ConceirgeClaim 2 service that guarantees auto repairs with 24 x 7 customer support. Health insurance include the standard long term health insurance for all micro segments, and introduces a more specialized Wachovia Health Advantage and Health Saving account 3 that work as retirement saving account and are tax advantaged for those looking for deeper involvement in their health insurance plan. Wachovia sets high standards for customer satisfaction as it designs fiscal category products designed on segments based upon demographic, psychological and behavioural profiles and its multiple needs. Wachovia's investment brokerage accounts provide for self-direc ted accounts and for those who need a constant financial advisor through their investments. The retirement planning products based on 20 - 70+ year demographics have specific programmes relevant to a certain age groups with updating schemes as certain class of consumers evolves through the age groups. Wachovia's planning guides 4 help establish future product offerings to current and potential customers by providing educational resources prompting smart fiscal decision making. The customers make informed purchases based on Wachovia's planning guide and this fosters trust and higher customer satisfaction since Wachovia's products are designed based on those needs. A cyclical loop of recurring business with target markets is established. Wachovia provides wealth management services and acting as an executor for the clients that have achieved a certain financial success and need more customized plans and deeper involvement from Wachovia. Services include financial and estate planning, investment and asset management as well as insurance and trust and philanthropic services. These functions are specialized and customized, hence, those that avail of these services get one of its kind deal based on their needs. The effective utilization of the "Next Logical Product" approach for achieving customer satisfaction and establishing relationship by Wachovia is reflected in its financial products. B) Wachovia segments its household market based on demographics, psychographics and behavioural classification. For personal finance, Wachovia offers a band of products based on psychographic needs ranging from those in campus to retirees in banking, insurance, investments, lending and retirement needs. In insurance Wachovia provides for life with standard across demographics and specialized tax saving health plans, home and auto needs segregate products based on ownership patterns (owners, tenants etc), financial rate preferences (fixed rate, 100% financing) and special needs based on the lifestyle of a target market. In banking, besides providing a free checking account, Wachovia also provides a free student checking account, Access Fifty Checking and Crown Classic Banking for those

Relationships between learning disabilities and the impact of Dissertation

Relationships between learning disabilities and the impact of behavioral disorders on standard experiences - Dissertation Example Is it possible to make an economic case for the value of government intervention in this regard? There is considerable evidence that a lesser investment will reliably produce lesser results in terms of education. (Inman, 1986). The time to start educational assistance for those with special needs is in their youth. A variety of studies indicate a principle of diminishing returns for efforts made to educate any useful job skills fully formed adults both academically and for a specific vocation. (Furstenberg, 1987) those with physical disabilities may still prove to be intellectually quite proficient. They may even rely more upon intellect than physical activity, and may be able to develop their intellectual acumen even further than the general population. If given special needs support in early childhood. Even those with mental disabilities may still grow into productive citizens if the nonfunctional can be taught to function by trained, competent specialists committed to the outcome of special education. DISCUSSION In terms of educational policy; a vital research question becomes: Should Learning Disabled and Behavioral challenged students be excluded from classes with baseline students? The challenges for these children are numerous, there are many reasons why children experiencing learning disabilities might fail in school, far beyond merely the obvious. When a child perceives him or herself as being mentally deficient/learning disabled the potential for great insecurity develops. School in general may seem painful, an embarrassing waste of time and venue for potential bullying and the degradation of the students self-worth. It is a daunting obstacle; how to focus on learning, if you were such a student – labeled and ridiculed for what it seems you have no control over. Often times, measures used in the past to give these students focused attention; placing them in segregated units, or separate institutions all together unintentionally exacerbated the problem. It makes sense to give extra attention to the learning disabled; and one might logically conclude that this attention should take place within a place all their own. But this natural exclusionary tendency towards those with behavioral, or intellectual disabilities can become a disservice, as will be demonstrated later. The findings of several researchers demonstrate how behavioral problems will disrupt the already unfavorable prospects of the learning disabled. It is worthwhile to specify the definitions of learning disabilities. Although a precision diagnosis and prognosis may not be consistent, there are warning signs that signify disability: Difficulty in learning the alphabet Poor reading comprehension Frequent mistakes when reading aloud Spelling difficulty Inability to express thoughts by writing Late language acquisition Lack of comprehension of humor, or satire Mispronunciation Confusion with written numbers Confusion with the sequence of a story (Medinenet.com, 201 1) In essence, the typical tasks that are begun upon entrance to the public school system are those the learning disabled are most challenged by. A true disability must be diagnosed with care; in past generations, so-called intelligence tests might simply measure cultural references, biasing them against other ethnicities and cultures. (Dove, 1971) An