Uncategorized

Nature, in the broadest sense, is the natural, physical, or material world or universe. “Nature” can refer to the phenomena of the physical world, and also to life in general. The study of nature is a large part of science. Although humans are part of nature, human activity is often understood as a separate category from other natural phenomena.

The word nature is derived from the Latin word natura, or “essential qualities, innate disposition”, and in ancient times, literally meant “birth”. Natura is a Latin translation of the Greek word physis (φύσις), which originally related to the intrinsic characteristics that plants, animals, and other features of the world develop of their own accord.The concept of nature as a whole, the physical universe, is one of several expansions of the original notion; it began with certain core applications of the word φύσις by pre-Socratic philosophers, and has steadily gained currency ever since. This usage continued during the advent of modern scientific method in the last several centuries.

Within the various uses of the word today, “nature” often refers to geology and wildlife. Nature can refer to the general realm of living plants and animals, and in some cases to the processes associated with inanimate objects – the way that particular types of things exist and change of their own accord, such as the weather and geology of the Earth. It is often taken to mean the “natural environment” or wilderness–wild animals, rocks, forest, and in general those things that have not been substantially altered by human intervention, or which persist despite human intervention.

For example, manufactured objects and human interaction generally are not considered part of nature, unless qualified as, for example, “human nature” or “the whole of nature”. This more traditional concept of natural things which can still be found today implies a distinction between the natural and the artificial, with the artificial being understood as that which has been brought into being by a human consciousness or a human mind. Depending on the particular context, the term “natural” might also be distinguished from the unnatural or the supernatural.
Earth is the only planet known to support life, and its natural features are the subject of many fields of scientific research. Within the solar system, it is third closest to the sun; it is the largest terrestrial planet and the fifth largest overall. Its most prominent climatic features are its two large polar regions, two relatively narrow temperate zones, and a wide equatorial tropical to subtropical region. Precipitation varies widely with location, from several metres of water per year to less than a millimetre. 71 percent of the Earth’s surface is covered by salt-water oceans. The remainder consists of continents and islands, with most of the inhabited land in the Northern Hemisphere.

Earth has evolved through geological and biological processes that have left traces of the original conditions. The outer surface is divided into several gradually migrating tectonic plates. The interior remains active, with a thick layer of plastic mantle and an iron-filled core that generates a magnetic field. This iron core is composed of a solid inner phase, and a fluid outer phase. It is the rotation of the outer, fluid iron core that generates an electric current through dynamo action, which in turn generates a strong magnetic field.

The atmospheric conditions have been significantly altered from the original conditions by the presence of life-forms, which create an ecological balance that stabilizes the surface conditions. Despite the wide regional variations in climate by latitude and other geographic factors, the long-term average global climate is quite stable during interglacial periods, and variations of a degree or two of average global temperature have historically had major effects on the ecological balance, and on the actual geography of the Earth.

Two years ago, Fidelity Investments  came up with a unique way of measuring not only how close working Americans are to meeting their post-retirement expenses, but also how different generations  baby boomers, Gen Xers, and Gen Yers  stack up against each other. The one standout back then was boomers.

But now that same gauge, the Retirement Preparedness Measure (RPM), is signaling more widespread improvement  thanks in large part to what John Sweeney, Fidelity’s executive vice president of retirement and investment strategies, ascribes to “across-the-board progress in savings, and investments being allocated in a more age-appropriate way.”

Specifically, the number of people likely to afford at least their essential expenses in retirement jumped 7 percentage points since 2013, from 38 to 45 percent, according to the firm’s biennial “Retirement Savings Assessment” study.

On the flip side, of course, that means 55 percent are estimated to be “at risk of being unprepared to completely cover” essentials like housing, food and health care.
That said, what’s especially illuminating about the RPM is the color-coded breakdown  with dark green being the best showing how retiree households are currently prepared to withstand a down market compared to 2013.

So which generation is faring best? Well, boomers saved the most  stashing away 9.7 percent of their salaries (up from 8.1 percent, which is still below Fidelity’s recommended rate of at least 15 percent). However, millennials showed the most improvement by boosting their savings from 5.8 percent to 7.5 percent.

Retail banking also known as Consumer Banking is the provision of services by a bank to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards. The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may also be used to refer to a division or department of a bank dealing with retail customers.
In the US the term Commercial bank is used for a normal bank to distinguish it from an investment bank. After the great depression, through the Glass–Steagall Act, the U.S. Congress required that banks only engage in banking activities, whereas investment banks were limited to capital markets activities. This separation was repealed in the 1990s. Commercial bank can also refer to a bank or a division of a bank that mostly deals with deposits and loans from corporations or large businesses, as opposed to individual members of the public (retail banking).

A transaction account, checking account, or demand deposit account is a deposit account held at a bank or other financial institution which is available to the account owner “on demand” and is available for frequent and immediate access by the account owner or to others as the account owner may direct. Access may be in a variety of ways, such as cash withdrawals, use of cheques and debit by electronic transfer. In economic terms, the funds held in a transaction account are regarded as liquid funds.
Transaction accounts are generally used for the business or personal convenience of the account holder. They normally do not earn any or a high interest and the financial institution that maintains the account commonly charges account maintenance or transaction fees to the account holder.

Customer relationship management (CRM) is an approach to managing a company’s interaction with current and future customers. The CRM approach tries to analyze data about customers’ history with a company, in order to better improve business relationships with customers, specifically focusing on retaining customers, in order to drive sales growth. One important aspect of the CRM approach is the systems of CRM that compile information from a range of different channels, including a company’s website, telephone, email, live chat, marketing materials, social media, and more. Through the CRM approach and the systems used to facilitate CRM, businesses learn more about their target audiences and how to best cater to their needs. However, the adoption of the CRM approach may also occasionally lead to favoritism within an audience of consumers, leading to dissatisfaction among customers and defeating the purpose of CRM.

The primary goal of CRM systems is to integrate and automate sales, marketing, and customer support. Therefore, these systems typically have a dashboard that gives an overall view of the three functions on a single page for each customer that a company may have. The dashboard may provide client information, past sales, previous marketing efforts, and more, summarizing all of the relationships between the customer and the firm. Operational CRM is made up of 3 main components: sales force automation, marketing automation, and service automation.

• Sales force automation works with all stages in the sales cycle, from initially entering contact information to converting a prospective client into an actual client.  Sales force automation implements Sales promotion analysis, automates the tracking of a client’s account history for repeated sales or future sales and coordinates sales, marketing, call centers, and retail outlets. It prevents duplicate efforts between a salesperson and a customer and also automatically tracks all contacts and follow-ups between both parties.
• Marketing Automation focuses on easing the overall marketing process to make it more effective and efficient. For example, by scoring customer behavior, Salesforce’s Marketing Cloud allows a business to adapt marketing campaigns to how engaged customers are with a business. CRM tools with marketing automation capabilities can automate repeated tasks, for example, sending out automated marketing emails at certain times to customers, or posting marketing information on social media. The goal with marketing automation is to turn a sales lead into a full customer. CRM systems today also work on customer engagement through social media.
• Service automation is the part of the CRM system that focuses on direct customer service technology. Through service automation, customers are supported through multiple channels such as phone, email, knowledge bases, ticketing portals, FAQs, and more. For example, Microsoft’s Dynamics CRM Software tracks call times, call resolution and more in order to improve the efficiency of customer service within a business.

We help clients understand customer needs & behaviors analyzing their feedback.

We help companies align marketing strategy with their business objectives.

Our communication experts deliver professional Business writing services. 

We have dedicated services teams effectively serving all major areas of organization.