Please assist with the following discussion: (chapters have been uploaded as word attachments) Please provide references/citations. Discussion – C

Discussion – Module 1 Topic

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Do you think we as a society have become too technologically dependent? Explain for us how has information technology changed your life? Describe at least three areas (both personal and school- or work-related) where having access to better information has improved your decisions. Are there any negative effects? What steps can you take to manage information better?

Your posts in the discussion area should exhibit careful thought and logical reasoning and provide evidence for your position. Each post should be at least two well-developed paragraphs (approximately 200 words or more). Use correct spelling, punctuation, and grammar.

Replying to fellow student’s posts is required.  You must respond to at least one other person's post. Your replies should offer new substantiated ideas or thoughtful questions. Your response should be a minimum of 1 paragraph. A paragraph is a minimum of 5 sentences or approximately 100 words.

I encourage friendly debate and disagreement, so do not be afraid to speak your mind.  Always be mindful that your opinion is one of many and ask that you be respectful and courteous of others.

Please refer to the Grading Rubrics attachment for a clear understanding of what is expected.

As a society, I believe we have become very dependent on technology. If you look around you, almost nine out of ten people carry an electronic device. People carry around their phones almost twenty-four hours a day. Parents depend on television or an electronic tablet to keep their kids entertained. When we go on a trip, we must carry our tablets and phones and download movies to keep us entertain on a car or airplane trip. When we go workout, we carry our phones and headphones to listen to music while we exercise. We used to have to go to a bank to deposit a check, we used to have to go to a store and pay for our bills and we used to have to go to a concert venue to purchase our tickets, all of this is done online now.

Technology has made my life a lot faster and better in my opinion. I can almost go anywhere and connect with family and friends through a smartwatch or cell phone. I can order food from most restaurants around town from a mobile application with a click of a button. It has made me go to school a lot easier also. Since I have been going to Houston Community College almost a year and half now, I have been able to take all my classes online. I have the luxury of doing my school work from my computer and sometimes phone from inside the United States and sometimes out of the country when I visit my family in Mexico. The negative side of the technology has been having my personal information accessible to hackers. I have gotten my personal information and even credit cards stolen through online as easy as making a purchase online. Although, technology has made my life so much easier and faster it does not make it safer. Sometimes I still rely on old methods of payments and to conduct school work because of it being safer.

I believe we have gotten overly reliant on technology as a society. If you look around you, you'll notice that nearly every tenth person owns an electronic device. People carry their phones with them for nearly twenty-four hours a day. To keep their children entertained, parents rely on television or an electronic tablet. We must bring our tablets and phones on trips and download movies to keep us engaged in the drive or on an airplane. We bring our phones and headphones to the gym with us so that we may listen to music while working out. We used to have to go to a bank to deposit a check, a store to pay our bills, and we used to have to go to a bank to deposit a check. We used to have to go to the bank to deposit a check, to the store to pay our bills, and to the performance venue to buy our tickets. All of this is now done through the internet.

In my opinion, technology has made my life a lot easier and more enjoyable. I can communicate with family and friends practically anywhere with a smartwatch or cell phone. I can order food from most eateries in town with the touch of a button thanks to a mobile application. It's also made going to school a lot easier for me. I've been able to take all my classes online since starting at Houston Community College over a year and a half ago. I have the luxury of doing my coursework from anywhere in the United States, as well as when visiting my family in Mexico, using my computer and phone. My personal information being exposed to hackers has been a drawback of technology. My personal information and even credit cards have been stolen as easy as completing an internet transaction. Technology has made my life easier and faster, but it hasn't made it any safer. Because it is safer, I still use outdated ways of payment and schoolwork on occasion.

Hi Hemmanuella, I agree with you that as a society we have become way too dependent on technology. I too, see children being very dependent on electronics. The part that I respectfully disagree is that a child kills another due to technology. I believe this either must be an anger management issue or a mental issue. If any one is to blame are the parents and not technology. You make a very good point about social media being unrealistic and making a lot of young minds and some older insecure. We have all seen a model that uses a filter or airbrush who post a picture online that makes us feel like there is something wrong with our bodies. I am sorry to hear you went through depression but I think most of us learn that the beauty features on social media is very unrealistic.

Hello, Hemmanuella. I agree with you that we have gotten far too reliant on technology as a society. I, too, believe that youngsters are overly reliant on devices. I sincerely disagree with the section where a youngster murders another because of technology. This is either a mental or an anger management issue, in my opinion. It is the parents, not technology, who are to fault. You make an excellent point about social media being unrealistic and instilling insecurity in many young and older minds. We've all seen a model upload a photo online with a filter or airbrush that makes us feel as if something is amiss with our body. I'm sorry to hear you've been depressed, but I believe most of us have learned that the beauty characteristics on social media are far from true. We are all beautiful in our own way.

Discussion – Module 2 Discussion Topic

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Marketing is the activity, set of institutions, and processes for creating, communicating , delivering, and exchanging offerings that have value for customers, clients, partners, and society at large.

Think about an ad on the internet, television, radio or print that you find appealing. Tell us why you like it, who the add is targeting and do you feel it has value.

Feel free to include the ad link so we may view it too.

The Marlboro advertising that I saw as a child in the 1980s have always been one of my all-time favorite ads that is etched in my consciousness. Growing up in Houston, Texas, I recall seeing advertisements all throughout town that promoted smoking as the ideal guy. The advertising were made even more popular by Eric Lawson, a well-known actor at the time who was known as the Marlboro Man. It was valuable to me at the time since I also grew up in the country and believed that smoking was an important part of growing up to be a gorgeous and "manly" man. The advertisement, in my opinion, would appeal to guys of all ages. It demonstrated that you, too, could be as cool, rugged, and "manly" as the Marlboro man if you smoked. "Come to where the flavor is," one of the main slogans said, implying that smoking is where the enjoyment is. Despite the fact that I do not smoke, I must admit that some advertisements have a long-term effect on you. When someone discusses an advertisement, the first thing that comes to mind is the Marlboro Man. We've all become more aware of the dangers of smoking and its link to lung cancer. It demonstrates what a good marketing ad can accomplish and how it can elicit such mixed feelings about a product, regardless of whether you believe in it or not.

Your posts in the discussion area should exhibit careful thought and logical reasoning and provide evidence for your position. Each post should be at least two well-developed paragraphs (approximately 200 words or more). Use correct spelling, punctuation, and grammar.

Replying to fellow student’s posts is required.  You must respond to at least one other person's post. Your replies should offer new substantiated ideas or thoughtful questions. Your response should be a minimum of 1 paragraph. A paragraph is a minimum of 5 sentences or approximately 100 words.

Hello, Hayes. This meme with the screaming goat is one of my favorites. Many people use it to describe pitchy singers in popular songs. Super Bowl advertisements are always entertaining and well-executed marketing campaigns. I, too, am a Doritos fan, and I believe this commercial will be remembered. Taking a well-known, viral meme and using it to market your product is a fantastic idea. Doritos are already well-known for their distinct cheesy flavor, but their marketing team is phenomenal. I find it amusing how the goat consumes all of the bags of chips and continues to be sold due to its addiction to Doritos.

After viewing the video answer the following questions.

1. Why do you believe entrepreneur Mark Spates decided to take his idea to Google?

https://www.chick-fil-a.com/about/giving-back (Links to an external site.)

"Chick-Fil-A – More Than A Chicken Sandwich.". Cowfan.Wordpress.Ncsu.Edu, 2022, https://cowfan.wordpress.ncsu.edu/ (Links to an external site.) .

Discussion – Module 4 Discussion Topic

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Banks use databases to identify profitable and unprofitable customers. Bankers say they lose money on customers who typically keep less than $1,000 in their checking and savings accounts and frequently call or visit the bank. Profitable customers keep several thousand dollars in their accounts and seldom visit a tell or call the bank. To turn unprofitable customers into profitable ones, banks have assessed fees on many of their services, including using a bank teller, although many of the fees are waived for customers who maintain high account balances. Bankers justify the fees by saying they're in business to earn a profit.

Discuss whether banks are justified in treating profitable and unprofitable customers differently. Defend your answer.

Your posts in the discussion area should exhibit careful thought and logical reasoning and provide evidence for your position. Each post should be at least two well-developed paragraphs (approximately 200 words or more). Use correct spelling, punctuation, and grammar.

Replying to fellow student’s posts is required.  You must respond to at least one other person's post. Your replies should offer new substantiated ideas or thoughtful questions. Your response should be a minimum of 1 paragraph. A paragraph is a minimum of 5 sentences or approximately 100 words.

In my perspective, there are so many banks out there, and the market for a consumer to find a bank is currently overcrowded with competition. I don't believe it is in a bank's best interests to charge a client fees for not having a balance of less than $1,000 dollars or for using their services. Banks are the ones who profit the most from loans. You have no idea where your next loan will come from. A customer with a tiny balance in their checking and savings account could be your next vehicle or mortgage loan, resulting in a significant increase in revenue. For example, a college student like me spends the majority of his salary on education. Long-term aspirations include earning a degree, finding a better-paying job, and obtaining a loan to start their own business and home. I will most certainly take my business elsewhere if this bank charges me what I believe to be unjustified fees.

Banks, in my opinion, differentiate between profitable and unprofitable customers. Profitable customers have more money in the bank, therefore they typically waive the majority of their costs. As a result, nearly every service provided to customers with less money and who are considered unprofitable is charged a fee by the bank.

Hi Stela. I agree with you that there should be a federal plan in place for banks charging these fees. There fees should be same across the board. I also agree that the target customer are low income ones. Its almost like making the rich, richer by charging the poor. Loans are banks major source of income, so I don’t understand why they have to charge these fees. I think people really need to do their do diligence and pick a bank that does not charge these outrages fees for services that should be free. A good bank cater to its community not only to profitable customers.

Hello, Stela. I agree with you that a federal plan for banks charging these fees should be in place. Their rates should be the same for everyone. I agree that the intended market is low-income people. It's almost as if charging the poor makes the rich richer. Because loans are the banks' primary source of revenue, I'm not sure why they have to charge these fees. I believe that customers should do their homework and choose a bank that does not charge these exorbitant fees for things that should be free. Not only does a smart bank attend to its profitable customers, but it also caters to its community.

Once you have viewed the video, read the scenario below and incorporate what gained from viewing the video to complete the assignment.

The head of your school's finance department has asked you to address a group of incoming business students about the importance of finance to their overall business education.

Develop an outline with the key points you would cover in your speech and then explain why those key points are important.

The outline may be in bullet points. The explanation portion should be in paragraph form. A paragraph is a minimum of 5 sentences. The explanation portion of your assignment is a minimum of 2 paragraphs.

Discussion – Ch. 11 – Discussion 

Chapter 11 Discussion  –

Using the content from Chapter 11 of your assigned text book, explain to your classmates in ten sentences or less the pros and cons of either the Market Segmentation Approaches of Concentration or Multisegment?

The pros to a multisegment is that most firms and companies already use this type of market. One of the main pros is that it groups people who share a characteristics and that share similar needs for a product. For example Disney will target audience or group are children, teens and adults. Through its films it will target children by making toys, teen with their live action films and it has adult humor for the adult in its films. The con of multisegment is that companies have learn how to strategies to

Discussion – Ch. 12 – Discussion 

Chapter 12 Dimensions of Marketing Strategy

 Using the content of Chapter 12 of your assigned book, if Ford's e-bikes are released, how do you think the market would react? Do you believe the e-bikes would quickly jump to the growth stage of the product life cycle, or would they stay in the introductory stage for a an extended period of time?

Discussion – Ch. 13 – Discussion 

Chapter 13 Digital Marketing and Social Networking

Using the content from Chapter 13 of your assigned book, distinguish for your classmates the difference between digital media and digital marketing.  Share with your classmates a link to an article regarding a lawsuit deriving from digital marketing, fraudulent advertising or infringement of Intellectual Property rights.  

Discussion – Ch. 14 – Discussion 

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Discussion 14  Accounting and Financial Statements

Using the content from Chapter 14 of your assigned book, create your own example of the Debt Utilization Ratio of debt to total assets ratio as demonstrated on page 456 of your text book.  You answer should result in a percentage.  Also, distinguish for your classmates the difference between Revenue and net income and give the four steps of the Accounting Cycle.

Discussion Rubric-2.pdf

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Chapter 15 Money and the Financial System

Using the content from Chapter 15 of your assigned book and any outside supported material, in ten sentences or more what is the purpose and function of the Federals Reserve system?

Discussion – Ch. 16 – Discussion 

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Chapter 16 Financial Management and Security Markets

Using Chapter 16 of your assigned text distinguish for your classmates the difference between a Primary and Secondary market?  Respond to two of your classmate's answers. 

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