Fiddler on the Roof Essay Example

Fiddler on the Roof Essay Example Fiddler on the Roof Paper Fiddler on the Roof Paper The opening scene bursting to life with its historical brilliance and explanation of Jewish tradition is an amazing opening to a musical. As soon as you see and hear Topol you know you are in for a wonderful treat. Tevye (Topol) a poor milkman has five young girls to feed. He battles with tradition and his love for his children. His three eldest all fall in love with men who are traditionally not acceptable, an underprivileged man, a revolutionary and a man who is not Jewish. They are eventually allowed to marry the men whom they love, with a few hiccups on the way, without the use of a matchmaker. He and all the Jewish people of Russia are forced to leave their lands and leave the country in exile. A great story of how Tevyes love, pride and faith help him face the oppression of the turn-of-the century tsarist Russia. : Norman Jewisons adaptation of Fiddler on the Roof has many great screen shots and is a visual marvel. Jewisons Fiddler on the Roof is bright, both in appearance and in mood. Jewisons vision of tsarist Russia is brilliant, bright, wonderful and yet extremely dangerous especially for the Jews. This is portrayed through costume, a great set and a brilliantly hilarious script. As aforementioned the script is brilliant and has a lot of speech for a musical. The language is perhaps more modern than it would have been in tsarist Russia however with it being written in English it is hard to tell how a Russian would have spoke. The accents that they have chosen for Fiddler on the Roof are perfect for the type of musical it is. Joseph Steins script is extremely funny and tremendously emotional. The lyrics of the songs are wonderful and proof of this is how well known and notorious the songs have become. The songs that come to mind are Matchmaker, If I Were a Rich Man and Sunrise, Sunset, even modern artists have attempted to use these songs in their profession. The signing is radiant and breathtaking which would be excellent on stage and film. Topols singing, acting and dancing combination is without a doubt the highlight of the film. Every actor even the extras are good singers, dancers and actors without a single performer lowering the brilliance of the musical. Topol is a comic genius; he has compassion for acting which is evident in Fiddler on the Roof. Leonard Frey is a fantastic supporting actor and deserves as much credit for his role in Fiddler on the Roof as any other actor. All aspects of this film are brilliant the acting, directing, lyrics, singing and dancing are all equally great. Fiddler on the Roof is stunning, elated and jubilant a musical masterpiece. Due to the great original ideas that this musical holds and the qualities that it possesses Fiddler on the Roof is without a doubt one to see. Rating: five out of five.

The 5 Best SAT Apps How to Use Them Effectively

The 5 Best SAT Apps How to Use Them Effectively SAT / ACT Prep Online Guides and Tips You might use apps to take photos of your food and put dog filters on your face, but did you know you can also use apps to prepare for the SAT? It's true! There are a number of apps designed to increase your familiarity with the SAT and get you closer to reaching your goal score. In this article, I'll let you know how you can use apps in your SAT preparation, and I'll name five of the best free SAT prep apps currently available. SAT Apps: An Overview As mobile apps have become more popular, the College Board, SAT prep companies, educational app companies, and individuals have created their own apps to help students prepare for the SAT. Those who have created the apps are trying to capitalize on the popularity of mobile appsand want to make SAT prep material more accessible for students. If you have an SAT prep app on your phone or tablet, you can conveniently study for the SAT wherever you’re at,whether you’re at home, school, or a boring family function.Also, studying on an app is more enjoyable and interactive for some students than is using a traditional SAT prep book. While most SAT prep apps are free,some do cost money in order to use them. Why SAT Prep Apps Are Not Enough SAT apps can be a good study tool, but you probably won’t be able to solely rely on them to hit your target score. If you want help doing that, check out our guides onhow to get a perfect score on the SAT and the best ways to study for the SAT. So why aren't SAT apps enough? Here are some key reasons to be aware of. For one, most SAT apps don't have adequate practice questions.Either there are too few of them or they're not representative of the questions you'll get on the actual SAT. As a result, you'll likely need more real SAT questions or more realistic practice questions to be able to sufficiently drill your knowledge and improve your content weaknesses. Secondly,apps don’t always teach you helpful SAT test-taking strategies.Most SAT apps don’t cover test-taking strategies in detail, such as how to read the SAT Reading and Writing passages. Finally, mostSAT apps aren’t customized to your skill level.To improve your score, you need to focus on improving your personal weaknesses. For example, you might want to get better at time management on the Reading section, or you might need lots of help with linear equations. Generally, SAT prep apps aren’t effective at determining where you’re weak and aren't designed to help you zero in on the areas in which you need to improve your skills most. Sorry kid, you're gonna need more than an app to get a 1600. What Makes a Good SAT App? There are specific qualities you should look for in an SAT practice app. #1: Tons of Realistic Practice Questions The best SAT apps will offer hundreds of practice questions for you to hone your skills. These questions should use the same format as questions that appear on the SAT and should be roughly as difficult as those on official SAT practice tests. Moreover, solid questions will provide you with thorough answer explanationsso you’re able to understand how to correctly approach and answer them. #2: Good User Experience SAT apps should be easy to navigate and use. On some SAT prep apps, the text is hard to read or the setup of the app makes it difficult to identify the functions and navigate among them. #3: Thorough Content Instruction A good SAT prep app will clearly teach you the content you need to know in order to excel on the SAT.After doing a lesson or reading an answer explanation, you should have no lingering confusion about the topic you're studying. A quality SAT app will break down the topic and thoroughly explain it. You should be able to start with limited knowledge on a topic and then, after using the app, understand it well enough to correctly answer related SAT questions. A bad app will provide only brief instruction, meaning you'll continue to be uncomfortable with a content area you struggled with. If you have any unanswered questions about a topic, you'll need more content instruction. Apps aren't always the best teachers. #4: Questions and Lessons Are Divided by Specific Topics A good SAT app will divide practice questions and content instruction by more specific topics than just Reading, Writing, and Math. If you know the topics on which you need extra help, you should know exactly where to go. If you need more help with comma rules, for example, you should be able to easily find instruction or practice questions to help you study that specific content area. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! The 5 Best SAT Apps If you want to use SAT practice apps in your studying, here are five that can provide some benefit to you. All are free of charge! #1: Daily Practice for the New SAT iPhone | Android This isthe College Board’s official SAT prep app.Every day the app offers a new practice question, which can cover any topic. This feature might not help you if it’s on a topic you already know. Since previous questions of the day are archived, though, you can access these instead. These are organized by section and can be sorted by difficulty level or even the date they were posted. The official SAT app also has a function through which you can scan an official SAT practice test you've taken and get it corrected. Unfortunately, many app users have complained that the scanning function doesn't work well, so be aware of this potential issue before using the app. This app is overall solid because it offersCollege Board-approved questions and explanations. However, it doesn’t have thorough content instruction, and the number of questions is limited. #2: Ready4 SAT iPhone | Android This app is definitely one of the best SAT prep apps.Itoffers the following features: Ample content instruction A mock SAT with up to 100 questions Complete answer explanations to questions 60 SAT lessons Hundreds of virtual flashcards 1,000+ realistic practice questions Initially, you take a short diagnostic test of 10 questions so that the app cancustomize a course of instruction for you. However, because there aren’t many questions in this test, the app might not be able to accurately determine your current SAT skill level. Though a great SAT prep app, it's not perfect. First,the content instruction it provides is pretty brief, so it might not be enough if you’re really struggling with a particular topic. The user experience isn't ideal, either. For Reading and Writing, passages and questions are on different screens, and it was a little difficult for me to find the underlined portions of the passages for the Writing questions. Additionally, the app isn't maintained regularly. The last update to the iOS version came in September 2017, which means that the content might be out of date. Additionally, old apps can be unstable and crash often, so your mileage may vary there, too. Lastly, the entire app isn't actually free. While you can access some of its features without having to pay, you'll need to fork out $19.99 for a premium account if you want the full experience. #3: Khan Academy iPhone | Android The Khan Academy SAT prep app offers a portion of the Khan Academy SAT prep website. (The Khan Academy is a partner of the College Board.) With this app, you get quality video instruction that walks you through a number of practice problems related to SAT topics. I enjoyed these videos, and I believe watching them is a good way to improve your content knowledge and ability to tackle SAT questions. Unfortunately, the app doesn't offer actual SAT practice questions for you to do. That's because the Khan Academy app isn't just for SAT prep...it gives users access to all of Khan Academy's lessons. All in all, you might as well just use the website so you can have access to the practice questions and everything else Khan Academyhas to offer. #4: SAT Exam Prep Practice Test / SAT Test Prep Practice Q A iPhone |Android The free version of this SAT app offers 300 practice questions, but if you pay $0.99-$1.00, you'll get 471 total questions, a mock SAT, and access to so-called â€Å"SAT Genius experts.† On the positive side, this app has many realistic Math practice questions and perhaps the best user experience of all apps on this list. Negatively, however, the explanations to the questions aren’t great, and there’s no real content or strategy instruction. Like other SAT apps, the app isn't updated regularly, either. (The last update was in December 2017, which means the app might be out of date and/or unstable.)Also, avoid the Critical Reading, Language Vocab, and Word Knowledge questions altogether- these don't use passages and are nothing like actual Reading and Writing questions on the SAT. #5: SAT: Practice, Prep, and Flashcards iPhone | Android This app, created by Varsity Tutors, offers in-depth study materials for the SAT's Math, Critical Reading, and Writing sections. The two biggest perks of this app are its user interface and its flexibility. First, the app is well designed and easy to use. You can pick subjects, practice materials, and even a flashcard deck quickly and easily from the navigation menu. Honestly, the app is justpretty. In terms of flexibility, the app gives you many different ways to study. Not only does it offer diagnostic and practice tests, you can also study by concept, choose a pre-made flashcard deck, or just answer the app's Question of the Day.It's also easy to focus on your weakest categories because the app breaks its content down by test section and subject areas. Lastly, the SAT: Practice, Prep, and Flashcards app lets you time your practice so you can see how much time you're spending answering different types of questions. On the negative side, this app- like so many others in this category!- isn't updated regularly. While it's stable and usable for now, it's not clear whether that will be the case in the future. Additionally, there's a chance the questions and information are out of date, too. The SAT is constantly updating its question types, which means you need to study current materials to make sure you're ready for the test. How to Use SAT Apps in Your Studying: 4 Tips As previously mentioned, SAT apps can be a good resource, but you shouldn’t solely rely on them for your SAT prep.Here are some ways you should use SAT apps in your study sessions. #1: For Additional Practice Questions In your SAT studying, start withofficial SAT practice tests. The questions on these tests most closely resemble real SAT questions, and the College Board provides explanations for all of them. Use one test to get your baseline score and to figure out how many points you'll need to get in order to hit your goal score by test day. Next, start to gather other crucial SAT resources: buy prep books, hire a tutor, and/or sign up for an SAT prep course. Once you've gathered your primary materials, use SAT apps as supplementary resources. With apps, you can do additional practice questions (once you've used up those in your books and tests) and can continue to drill your basic knowledge. I’d start with the College Board app since it's the only app to offer official SAT questions. #2: To Improve Your Weaknesses If you know the types of SAT questions you struggle with, you can use apps to do more questions related to those topics or to get more focused content instruction. For content instruction, Khan Academyand the SAT: Practice, Prep, and Flashcards app are pretty good. I’d also use the apps that organize questions by specific topics. Be sure to focus on the topics with which you need the most help. #3: To Change Up Your Study Routine If you’re always studying with the same SAT book or website, you can use an SAT app to alter your normal routine. Changing your routine can energize you and give you additional motivation to study. Just make sure you’re using the apps in a way that will be most beneficial to you or you'll end up wasting your time. For example, don’t just drillHeart of Algebraquestions if you’re already getting all those questions right in your prep. #4: To Take Mock Tests A few of the SAT apps offer timed mock tests and diagnostic tests. You can use these apps to simulate the test-taking experience. However, unlike the actual SAT, you'll be by yourself and you'll be doing the test on an app, so it won't be an exact simulation. That said,you can build up your test endurance and check to see how you’re doing with time management under pressure.You can also use these tests as diagnostics to help determine the types of SAT questions with which you’re still struggling. Best SAT Apps: Takeaways and Recommendations SAT apps can help you in your test prep as long as you ultimatelyuse them in conjunction with other high-quality resources, such as SAT prep books, a tutor, or a prep course. SAT practice apps work best once you already have a solid foundation. In other words, you should be familiar with all the content on the SATand be aware of your current weaknesses. Furthermore, keep in mind that you’ll have to learn test-taking strategies elsewhere. If you can afford to pay for a resource, our fully customizable SAT prep program improves your weaknesses,teaches helpful strategies, and provides plenty of high-quality practice questions. What's Next? Are you struggling to find time for your SAT prep? Find out how to balance your SAT studying with school,and learnhow to build an SAT study plan that suits your schedule. Want some more fun ways to prepare for the SAT? Try one of these six SAT prep games! Aiming for 1600 on test day? Learnthe secret to getting a perfect SAT score, written by a real full scorer! Want to improve your SAT score by 160 points? Check out our best-in-class online SAT prep program. We guarantee your money back if you don't improve your SAT score by 160 points or more. Our program is entirely online, and it customizes your prep program to your strengths and weaknesses. We also feature thousands of practice questions, 6 official SAT practice tests, and personal feedback on your essays from an expert instructor. Check out our 5-day free trial:

An essay which explores and analyses a particular issue in the field

An which explores and analyses a particular issue in the field of interpretation - Essay Example This author will assess the interpretation of war and the multiple factors that dictate the many perspectives on the topic. In Carol Acton’s article Diverting the Gaze: The Unseen Text in Women’s War Writing, she talks about the difference in how women perceive war verses the way men see it. She notes that, â€Å"while womens war writing from the First World War has received much critical attention over the past ten or more years that has established its authenticity as witness to war, scant attention has been paid to how women see the trauma of frontline combat nursing and how, consequently, such seeing or not seeing influences the narrative (Acton, p54).† The author focuses on the perception of how women perceive the trauma of war specifically nurses who aren’t necessarily fighting on the frontline, but who are providing medical care for soldiers and often caring for them right up to their last living moments. Acton notes how writings produced by women of the first World War and Vietnam were very similar, she goes on to point out that, On a general level, the striking similarity in the narratives of these two wars seems to arise from the compulsion to bear witness to the trauma of combat nursing. More specifically, British writers from the First World War and American writers from the Vietnam War were both concerned with carrying what Jane Marcus has called "a terrible knowledge" to a civilian population that seemed completely removed from any understanding of the war experience (Acton, p54) The contrast Acton makes between the women nursing the soldiers, both American and British, in both World War I and Vietnam, with the civilians reveals how there is a major difference in interpretation of war when one is on the frontline verses just assessing it when it’s far away. Acton goes on to point how

Analytical essay Example | Topics and Well Written Essays - 250 words

Analytical - Essay Example It was seven pm and Chris was still at work, after a long wait I decided to go ahead along with my friends. Music was on but was not rocking enough really to dance with joy, seeming as though it was a heart breaking moment leaving another year behind. I took my place at one corner leaving all my friends aside, with a drink in my hand and thoughts wandering in my mind. All my friends had their love by their side, holding one another smiling softly feeling every moment of that night. I wish I had my love too as it was ten in the night. We were done with our dinner, drinks and play. I was unable to pretend any longer, tears just roll off my eyes when I did see flowers showered over my head. Chris grabbed my shoulders to lift me up and wiped off the tears and was sorry to keep me waiting for some time. I just stood by unable to explain how much hard it was to be away from him on this specially arranged night. All I could do was to just lay my head on his shoulder and spend the rest of the night in his arms. The dance floor was on with couples dancing by and when the clock ticked 12 midnight there was the blast of music and crackers all around. Crowd just shouted in a single tone â€Å"Happy New Year 2006† after the count down was done. I turned up to Chris to wish him a bright and prosperous year ahead, but there was something special in store for me tonight. Chris go down on his knees to ask me share his life, this was the moment I started to cry once again but this time the tears were rolling out of joy. Now I see myself by his side unable to believe how these long years just flew. Everything around seems to be the same with all the dazzling stars and the moon shinning to the brightest in the clear

Strategies to Avoid Car Congestion

Strategies to Avoid Car Congestion BUSINESS CASE: AVOIDING CRIPPLING CAR COGESTION 1 Case 2, Business Case: Avoiding a Future of Crippling Car Congestion Page 109 Explain the concept of connected cars. Why does Bill Ford see a need for connected cars? What does Ford mean by â€Å"global gridlock†? Brainstorm a few other ways in which an IT network could help to reduce global gridlock. Do  not limit yourself to current mobile network capabilities. If no action is taken far in advance of the forecasted car congestion, what do you foresee will  happen? What is the â€Å"Connected Cars† concept? According to (Turban, Volonino, Wood, Sipior, 2013) pg 109/1). This connected car concept, are vehicles linked to various mobile networks and or intelligent systems and capable of M2M communication. This concept was outlined by Bill Ford chairman of Ford Motors at the 2012, Mobile World Congress (Turban, Volonino, Wood, Sipior, 2013) pg 109/1). The mobile infrastructure allows for incorporation of technologies, applications, support, security processes, as well as devices for management and distribution of wireless communications. Wi-Fi technology permits devices to connect and share a network or Internet connection without connecting to a commercial network. (Turban, Volonino, Wood, Sipior, 2013) pg 94/3). Theconnected caris a vehicle with internet connectivity which can be linked or connected to its navigation and information systems in addition to its passenger’s personal communication devices such as smartphones, computers, tablet or any other internet connected personal device. Also to include data connectionswithin the vehicle, such as GM’sglobal communication system â€Å"OnStar† (Howard, B. 2013). Permanent connections which allows the vehicle to communicate with your smartphone that would assist you in locating your car. Or the status of a charged battery pack by an app command or text message (Howard, B. 2013). Wide area networks (WANs), WiMAXs, and local area networks (LANs) and wireless wide area networks (WWANs) for mobile computing constitutes the various mobile network infrastructures. LANs and WiMAX are the components of the wireless infrastructures (Turban, Volonino, Wood, Sipior, 2013) pg 94/4). So simply speaking a connected car can be any vehicle that has Mobile to Mobile connectivity, internet access or connected to a remote location that offers a service for the vehicle or its occupants over Wi-Fi connectivity is a connected car. Bill Ford see’s the need for connected cars because he see the vehicles in the world climbing at an ever-accelerating rate, and this massive surplus of vehicles can be averted with vehicles that are capable of communicating to each other as well as the communication system or infrastructure. Bill Ford Jr., of Ford Motor Company, â€Å"cautioned of the danger of amplified automobile possession and no conforming increase in automotive connectivity†. Partnerships will be needed to be established between automotive as well as telecommunications industries and the need will be greater than ever as we prepare for and manage the future (Barry, K. 2012). Within impending days, linked vehicles would communicate with one another through centralized traffic-observation platforms which would communicate notices about congestion, construction and accidents to in-car monitoring systems. Ford said vehicles should be seen â€Å"as pieces of a much bigger, richer network.† Precisely, cars of the future could rely on 802.11p WLAN, a network infrastructure reserved for vehicle 2 vehicle network infrastructures. Connected automobiles can interconnect with one another as well as command and traffic control stations. These stations could warn could about traffic jams, construction and accidents by relying data to in-car navigation systems (Barry, K. 2012). â€Å"Mobile data traffic is expected to increase 18-fold in size and speed through 2016, according to Cisco Visual Networking Index (VN1) Mobile Data Traffic Forecast, 2011-2016†, according to (Turban, Volonino, Wood, Sipior, 2013). Ford’s vision of â€Å"global gridlock† can be explained as follows: â€Å"a never-ending traffic jam that wastes time, energy and resources which also impedes the movement of commerce and healthcare,† Ford said that, â€Å"Sixty percent of the world’s population will live in urban areas by 2030, and there will be 2 billion automobiles on the highways. This progression is anticipated to come in China, the world’s largest automotive market† (Barry, K. 2012). The National Highway Traffic Safety Administration pronounces,† connecting our cars could address as many as 4.3 million crashes, or about 80 percent of accidents that don’t involve intoxicated drivers. Sixty percent of the world’s population will live in urban areas by 2030, and there will be as many as 2billioncars on the road.† (Barry, K. 2012). How can future gridlock be reduce or controlled? , well here’s an example of future concepts of reducing global gridlock. Evacuated Tube Transport Technology Envision traveling from Manhattan to Beijing in one-hundred twenty minutes, that’s only 2 hours. A pair of pioneering minds have confidence in reducing travel time significantly, using high-speed capsules racing through tubes – considerably like driving through a drive through bank. Colorado inventor, Daryl Oster references this idea the â€Å"Evacuated Tube Transport Technology†, â€Å"it can propel a person or object 400 miles from Los Angeles to San Francisco in 30 minutes. This technology would necessitate a system for transporting a capsule through a vacuum tube with the air sucked out as if being in outer space, eradicating friction† (Petersen, B. 2013). Supercavitation -The occurrence identified as supercavitation is most familiar within the military realm. Cavitation an air or gas pocket developing around an object in motion underwater can be beneficial as this air or gas pockets fall away from a vehicle. The drag or resistance on a ship or underwater vehicle becomes greatly reduced. A defense tech company, â€Å"Juliet Marine Systems† developed a supercavitating watercraft called theâ€Å"Ghost marine platform†incorporating stealthiness and attack helicopter technologies for tracking airborne and subsurface objects. Gliding efficiently through the water still ends up being like moving through the air. (Danigelis, A. 2013). My Thoughts on Future Transportation I would consider using manual powered equipment as a means of travel providing exclusive attention would be given to this device. Such as bicycle that was designed for a comfortable long distance ride with exclusive roadways designed just for my device. How about a multiple person hover craft, where three or four person would mount a disc like object that hover only a few feet above ground. With the occupants securely strapped in and again allowed to operate exclusively within an air-space just for this mode of travel. What if no action is taken far in advance of the forecasted car congestion, what do you foresee will happen? I as well agree with Bill Ford, I see massive gridlock along with major congestion throughout the United States as well abroad. A never-ending traffic jam that wastes time, energy and resources and even compromises the flow of commerce and healthcare. Traffic on Interstates and Express routes will come to a mere crawl, vehicles will exhaust there fuel supply while stuck in traffic road blocks. Causalities will increase as a results of medical transportation and supply vehicles caught up in gridlock as well, making it nearly impossible for medical supplies or patients transport to reach there intended destinations. Food supply vehicles will have there cargo spoiled as a results of being caught up in traffic gridlock. I also envision a special highway express being created just for medical, food, fuel and any lifesaving product or supply. I also see this special highway being patrol by law enforcement and violators being severely punishment for traveling these special routes or interfering with the traffic on them. Unless the growing number of vehicles are not seriously addressed, to include major funding, rigorous IT research and advancements commuting and traffic as we know it will be a process of the past. References: Barry, K. (2012). Ford: Connected Cars Can Save Us From Gridlock.Ford: Connected Cars Can Save Us From Gridlock. Retrieved from http://www.wired.com/2012/02/ bill-ford-says-connected-cars-can-save-us-from-gridlock/ Danigelis, A. (2013). 10 Wild Ways To Travel In The Future.FUTURE OF TRANSPORTATION. Retrieved from http://news.discovery.com/autos/ future-of-transportation/10-wild-ways-travel-future-130812.htm Howard, B. (2013). Connected cars: When is the breakthrough coming?Extreme Tech. Retrieved from http://www.extremetech.com/extreme/ 147568-connected-cars-when-is-the-breakthrough-coming Petersen, B. (2013). Hyperloop, Vacuum Tubes Shaping Up As Travel of The Future? CBS New York. Retrieved from http://newyork.cbslocal.com/2013/08/12/ hyperloop-vacuum-tubes-travel-of-the-future/ Turban, E., Volonino, L., Wood, G. R., Sipior, J. C. (2013).Information technology for management: Advancing sustainable, profitable business growth, 9th edition(9th Ed.). Hoboken, N.J.: Wiley.

Strategies Formulation

STRATEGIES FORMULATION Business Strategies As there are rapid growth credit card business Hong Kong, Hang Seng Bank need to put more effort to increase their credit card customer base. They should put more resources in developing credit card products and improve services. Functional Strategies Product Strategies The Boston Consulting Groups(BCG) Growth-share matrix is applied to assess the sizes and positioning of the Credit Card. Hang Seng Bank Credit Card business is positioned as ? Star? as it has covered high relative market share in fast growth credit card business.The Bank? s credit card business is lucrative and will become the Bank? s further cash cow. The bank has to spend substantial fund to keep up with high market growth rate and fight off its competitor? s attacks. Product Development In order to serve in such a competitive environment. Hang Seng? s target is to provide premium credit card products supported by premium customer Services. Apart from strengthening its exis ting business, the bank also made progress in diversifying its credit card business and expanding its customer base. MarketingTo improve the credit card business in the industry, the bank has adopted a new marketing strategy. Traditionally the bank relied solely on the ? word-of-mouth? approach to promote the services. Such strategy was most successful in the old days but would need to be supplemented in today? s world of communications. More marketing promotions have thus been organized to increase customers? awareness about the credit card offered by the Bank. Series of innovative and aggressive marketing campaign have been carried out to reposition Hang Seng Retail Banking such as ?The Best Goes On Showcase? which promoted the credit card business. Human Resources Excellent products without premium services would only lead to product failures. Hence the Bank has invested a lot of resources on staff training and development. To tie in with the changing environment, the Bank? s tra ining focus on the service culture will now be changed to a sales and services culture. The bank should reinforce staff training especially the product knowledge and the selling skill which is very important in promoting the increasing number of new products and services in the near future.On the other hand, the development of staff is very important as well since a well trained and highly motivated staff with an all-round personality would definitely bring about improved productivity. Recommendation The credit card business is one of the fast growing financial services industry. Hang Seng Bank credit card has positioned at No. 3 with sixty hundred thousand cardholders and the 2nd Merchant Sales Volume bank in Hong Kong. It have potential for the bank to increase their market share in the business.The following recommendation will improve their performance in the business. 1. Enhancing operational efficiency Simplify credit card application form and shorten the time to issue a credi t card to customer, say within 2 weeks time. The improvement can provide customer a convenience way to get a credit card 2. Airline mileage program Most of the credit card issue bank have already launched the airline mileage program in their credit card services like Hong Kong Bank and Standard Chartered Bank. The feedback are welcome to cardholders.In face of the keen competition, Hang Seng bank credit card should add this kind of program to the credit card service. 3. Target new market segments Differentiated marketing strategy should be continually adopted. Consider the lifestyle, income and benefit segmentation. The people in this segment are high potential group. 4. Promotion Strategy Hang Seng Bank credit card should put more resources in promotion which can increase their company images. Using gimmick souvenir and pre-approved to attract customer application intention. 5. Merchant Sales Increase merchant sales will also increase the bank revenue.Since every transaction in a c redit card, the issue bank will grain 1% of the purchase and merchant sales bank will grain 1% as well. Align with other big and famous department store, supermarket and restaurant to introduce ? Co-brand Card?. The will increase the credit purchase rate. More important it will also carry up the merchant sales. 6. Card Referral Program The Card Referral Program is one of the way to increase the credit card customer base. The program show that the bank just give out a small amount of money and get a large return of cardholder.

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