Graduation Speech -- Graduation Speech, Commencement Address

Edgar Allan Poe once stated, All that we see or appear is nevertheless a fantasy inside a fantasy. The 13 years that I have burned through going to class have immediately gone through my life as though a fantasy, much as I envision it did Edgar Allan Poe. I can at present recollect my first day of school in Vietnam when I was five years of age. Bashful and terrified, I held my mom's hand firmly, scared that in the event that I let go, I would lose her eternity. My mom took a gander at me and said tenderly in Vietnamese: Su hoc nhu thuyen tren dong nuoc nguoc. Khong tien at se lui Converted into English it implies: Training resembles a vessel heading upstream against the stream's current. On the off chance that it isn't going ahead, it will be abandoned floating. Presently, years after the fact, I remain among individual understudies who have additionally courageously confronted the test of that upstream waterway of information. We are assembled here today around evening time for an exceptionally extraordinary and significant event. It will be a night for us all to recall, a night of awesome recollections, a night that commends the finish of one excursion and the start of another. I might want to invite every one of you here today - workforce, family, companions, individual Phi Theta Kappans, and obviously, the one, the main Harding Community College graduating Class of 2006. Much thanks to you for giving me the respect of addressing you on this exceptional event in our lives. Giving an initiation discourse is a difficult assignment. The personnel might want a speaker with a meaningful message. The guardians would welcome a nostalgic tone, and the alumni might want the discourse to be brief! Two years prior, we resulted in these present circumstances establishment with extraordinary excitement and assurance to construct a scaffold to the future for ourselves and for the people to come. We carried with us noteworthy... ...e has offered us, to cooperate to make an interpretation of the theoretical into the real world. All things being equal, and as opposed to bidding farewell to every one of you, I solicit the Class from 2006 to please rise. Let us give an appreciative commendation to Harding Community College for all that it has done and keeps on doing to assist understudies with enjoying us as we continued looking for progress. Let us thank you, our recognized personnel, for having faith in us, convincing us, and instructing us to investigate the completion and quality that exist in ourselves. Let us thank our loved ones for adoring us, supporting us, and urging us to go through the difficulties of that upstream stream of information. Also, let us praise this day with lively commendation and congrats to one another for being magnificent associates along this excursion. Class of 2006, I wish all of you a splendid future and may another excursion start here.

Relationship between BOH tea and consumer behavior

Connection between BOH tea and purchaser conduct BOH Plantation Sdn Bhd was found by John Archibald Russell in the year 1929, along with A.B. Milne, a veteran in tea planting from Ceylon they prevailing with regards to getting a concession of land in Cameron Highland so as to begin the tea manor business. Together the team changes steep wildernesses inclines into a tea garden known as BOH Plantations, which is the first good country tea garden in the nation. BOH Plantations business starts to sprout and as of now is the main tea cultivator in the nation. The estate extended and claims four tea gardens, of which three is found 5000 ft above ocean level and is arranged in Cameron Highlands, and the fourth is concentrating in Bukit Cheeding, Selangor. By and large, the nurseries size altogether is 1200ha. BOH Plantation has been immovably settled in that most Malaysia drinks BOH tea than some other brand. BOH teas are accessible in 3 distinct structures (tea bundles, tea packs, tea dust). The organization as of now creates 4 million kg of tea in a year. Malaysian expends 10million kg of tea which makes BOH tea biggest maker locally of dark tea, regarding cuppage, BOH tea creates about 5.5 million every day which nearly meets half of tea utilization prerequisite in the nation. The example of overcoming adversity of BOH Plantation keeps on being Malaysias driving brand in tea and is likewise sending out to Brunei, Japan, Singapore, United Arab Emirates and furthermore the US. Buyer Decision Process BOH tea Buyer Decision Process is essentially known as an intellectual procedure. Customer knows about a need or needs and quest for potential approaches to fulfill it. Consciousness of customer isn't a programmed procedure; it is really particular outside method. Model, shoppers are open to a great many messages that convinces them from publicizing, political association, strict gatherings , food items and a lot increasingly different assets. This mass data that searches out buyer consideration at that point sifted through by individual so as to settle on the choice in purchasing an item. All together for a shopper to buy an item, the person needs to experience the 5 phases of purchaser choice procedure. These 5 phases of customer dynamic procedure are significant for purchaser to settle on an exact choice in fulfilling their necessities and needs. The stages stream in grouping starting with issue acknowledgment and completion with post-buy assessment. The 5 phases are as diagram above: Issue Recognition Data Search Assessment and Selection of Alternatives Choice Implementation Post-buy Evaluation Issue Recognition The purchaser choice procedure starts when a customer knows about fulfilling their requirements or needs. For as far back as decade, medical advantages have grabbed the eye of the wide inclusion of media. Various investigations have demonstrated that the cell reinforcement polyphenols of tea has the counter malignancy properties and furthermore ready to diminish the danger of gastric, and furthermore skin disease. Avoidance is superior to fix; this announcement has drive purchasers to look for solid item to keep up a sound way of life, in like manner tea is a sound beverage. This is the place BOH tea as Malaysian driving brand gives excellent tea that contains rich smell of tea enhances that fills the nose and savoring the preference for the mouth while giving an alleviating impact. The following are 2 instances of BOH teas top items. Item 1 (BOH string and tag) Source: https://www.boh.com.my/shop/product_info.php?products_id=71 Most expend item that fulfills the need of customers that needs to get ready moment pre-pack tea. Item 2 BOH tea leaves Source: https://www.boh.com.my/shop/product_info.php?products_id=29 This item fulfills the necessities of customer that lean towards the old style tea leave strategy, as the fragrance and taste of tea is more grounded. Data Research At the point when purchasers recognize an issue, they will discover approaches to take care of the issues. Shopper should do inside and outer research in acquiring the information on items that will fulfill their requirements. On account of BOH tea, since it is the main tea brand in Malaysia it is imperative to reinforce the brands authority by making mindfulness for their item through deals advancement and promoting. As inner research, all together for BOH tea to catch the consideration of shopper they have concocted an appealing expression ada Ummph which actually implies beyond what words can depict sort of feeling to show the extraordinary nature of tea that is produce by BOH tea. This expression will firmly enlist the brands name in the brain of customer, with the goal that whenever they need to buy tea, BOH tea will be their first decision as the ada Ummph state shows that purchaser will never lament in expending their tea. Above is the case of the infectious expression that is place on the result of BOH tea that consistently remind individuals to appreciate the integrity of tea simultaneously getting a charge out of a loosening up time, it has particular BOH tea from various brand of tea, for example, Twinnings, Chamomile and Lipton. Outside research permit purchaser to access for auxiliary data from online assets, promotion, handouts and a lot more so as to furnish them with the abundance information to buy their preferred PC. Tea consumer in Malaysia won't get away from the consideration of BOH tea, as their item can be gotten from most retail outlets. BOH tea has additionally advanced their tea in printed media, for example, paper ad, TV ad, and furthermore battles. BOH tea advances their tea with holding with adoration ones by making snapshots of fellowship with friends and family. This is to show that some tea can join everybody together with no limitation. One route for BOH tea to teach purchasers is by parting with free samplings and by holding challenges for shoppers. Source:http://old.brudirect.com/public_html/DailyInfo/News/Archive/June05/100605/bb08.htm Above is an image of a champ who took an interest in a fortunate draw pick that was composed by BOH tea in a shopping center. This shows advancement is a significant technique so as to fabricate customer information on BOH tea. Assessment and Selection of Alternatives The accompanying advance permits the customer to assess the brands from the data that is acquired. Purchasers considers item to be a heap of qualities, for example, the need, advantages, and credits so as to settle on the correct choice that fulfill their necessities and needs. This heap of qualities is really an items objective and emotional elements. Target factor Solid smell of tea and savoring taste Emotional elements Examination of BOH Tea and Lipton tea, BOH tea being the extraordinary as item is less expensive then Lipton and has solid smell that suits purchasers taste Buy Decision Buying the brand BOH tea fulfills the whole range of the non-mixed drink in Malaysia and urges tea to be devoured including, cool, moment, conventional or in whatever other structure that is favored by buyer. This fulfills the customer by giving decision of tea utilization as per their taste This is where purchaser has chosen which brand of item that the individual needs after a creation examination with all the accessibility of item marks. Customer will at that point need to choose 2 explicit components which is buying the brand decision and buying time. Buying Time Item can be buy in most retail outlet as bundles. Buyer can likewise get it in group during advancement period as well. Post buy assessment In this stage the degree of procurement association of shopper is significant, it is frequently known as the degree of worry for or enthusiasm for the buy and vigorously relies upon the broad data that is look for by the customer in settling on a buy choice. Low buy association process Model, assume if a purchaser purchases a specific brand of item (e.g., BOH tea) as an issue of propensity, this implies the beverage is a low buy inclusion circumstance and shoppers don't need to assess and look for data broadly. This case customer will just purchase and expend the item and creates a significant level of rehashing a similar acquisition of item. Chart above shows low contribution buy process that happens. The advantage of low buy inclusion process is BOH tea has become customers faithful brand for tea utilization items as rehash buy has been occurring every now and then. Notwithstanding, if the degree of procurement is high and the purchaser is associated with broad dynamic, shopper will be bound to confront an increasingly explained post-buy assessment. High Purchase Involvement process This chart shows that there is a post-buy cacophony where buyer can't focus on the choice of picking the brand that they need and it will make tension among shoppers as it is hard to settle on choices decisions. With the goal for purchaser to lessen this disharmony, shopper needs to make approaches, for example, to build the attractive quality of the brand that they need to buy and reject the allure of dismissed other options and furthermore dismiss the negative information on brand bought. On the off chance that disharmony isn't decrease, the tension experience may transform into a disappointment and prompts another issue. That is the reason high buy contribution needs broad research of data to diminish nervousness and increment the certainty level in buying the item they need. Shopper will remain faithful to BOH tea on the grounds that the organization is continually doing research so as to fulfill the future buyer needs. Mental Core BOH tea Consideration Consideration is an idea of psychological brain science that encourages us to effectively process data present in our condition. Consideration is an oblivious procedure where customer can naturally check the highlights of the earth encompassing them. Consideration can be arranged into 2 which are intentional and automatic. Specific Attention Specific consideration is the investigation of

5 Tips for Finding the Right Bad Credit Loan

5 Tips for Finding the Right Bad Credit Loan 5 Tips for Finding the Right Bad Credit Loan 5 Tips for Finding the Right Bad Credit LoanThe smarter you are when looking for a bad credit loan, the better positioned youll be to find the loan that works best for you.Shopping for a personal loan isn’t easy, even when you have good credit. Add bad credit to the mix, however, and the difficulty level ratchets up pretty severely. While there are some bad credit loans and no credit check loans that make for good short-term financial solutions, there are many others that could easily trap you in a recurring cycle of debt.In order to find the right bad credit loan for your situation, you need to know what to look for. You need to know how to look at interest charges versus APRs and how to compare payment terms versus your monthly budget. That’s why we’ve put together this handy bad credit loan guide to help ensure that you’re asking the right questions in order to find the right loan.1. Ask friends and family first.If you haven’t stopped to consider this option, then you sh ouldâ€"wellâ€"stop and consider it! While borrowing money from a friend or family member can be deeply awkward, it sure beats borrowing money from a bad credit lender.The key to borrowing money in a situation like this is communication. You need to sit down with the person you’re requesting money from and make everything crystal clear. Why do you need this money? How much do you need? What other options have you considered? What kind of repayment plan makes sense?And while it’s often the case that friends and family members don’t charge each other interest, you should be prepared for this to be part of the deal. But even if they do charge you interest, the rates are probably going to be much lower than the average 400 percent APRs that you see from a typical payday loan or cash advance.Make sure that both you and your lender understand the terms of your agreement before they hand over the money. In fact, you would do well to get the agreement in writing. If that sounds like a big hassle, you should check out this personal loan agreement template that we created to help people in situations exactly like this one.2. Shop around.When people are borrowing bad credit loans, it’s often because they have been blindsided by an emergency expense or another financial shortfall. When your car breaks down, you just want to get it fixed, pronto. The last thing on your mind is taking the time to shop around for the perfect deal. You need money, and you need it now.But here’s the thing: You should take that extra time to shop around for the best bad credit loan you can find. Loan offers can differ depending on what state you live in, so do some quick research to figure out what kind of interest rates and payment terms are possible for youâ€"and then compare that to the offers you’re actually seeing.The more loans you compareâ€"including online loans and loans from storefront lendersâ€"the more likely you are to find the best possible loan for you. On the flip sid e, settling on the very first offer you see is a great way to end up with a loan that’s dragging down your financial picture instead of helping to prop it up. An extra hour or so is rarely going to matter in the grand scheme of things, so take your time and see what’s really available.Even better, do your research now so that you can act quickly when an emergency expense arises later. Depending on the nature of the situation, you might find yourself under a great deal of pressure to act quickly. If you already have a bad credit loan on file that you know works best for you, it will save you time and it will save you from a financial headache down the road.3. Do they perform soft credit checks?Unlike regular personal loans, many bad credit loans don’t perform a hard credit check when you apply. That’s why they’re often referred to as “no credit check loans.” But there’s a difference between checking your credit score and checking your ability to repay, and it could al so mean the difference between a loan that helps your finances and one that hurts them.Bad credit lenders that check your ability to repay will often run some kind soft inquiry on your credit history and/or use a process to verify your income. They take these steps to ensure that you can actually afford the loan that you’re applying for. In many ways, it’s very similar to the process that traditional lenders use with their customers.True no credit check lenders, on the other hand, do not take any steps to verify your income or look into your credit history. And because they do not do anything to check whether or not you can afford the loan you’re attempting to borrow, the odds are much higher that you’ll end up buried under a pile of high-interest debt.Many no credit check lenders offer short-term bad credit loans like payday loans, cash advances, and title loans, while most soft credit check lenders offer longer-term bad credit installment loans. Keep this in mind when youâ €™re shopping around and you’ll be well on your way to finding the right bad credit loan for you.4. Consider payment size.When people think of payday loans, they usually think about the fact that they have very short repayment terms. Whereas traditional personal loans usually have terms measured in years, payday loan terms are measured in a matter of weeks. In fact, the average payday loan has a repayment term of only 14 days.Short terms might seem great, as they mean you’ll be getting out debt faster, but that’s not necessarily the case: When considering a loan’s repayment term, you should also be considering the size of its payments. Many short-term no credit check loans have lump sum repayment structures, which means that you pay the loan off all at once.Lump sum terms can actually make these loans more difficult to pay. Think about it: If you borrowed a $300 two-week payday loan with a 15 percent interest charge, that would give you only 14 days before you had to make a single payment of $345. Is that kind of payment really something you can afford, or would it force you to take out another payday loan to cover your other bills?Installment loans, on the other hand, come with smaller, regularly scheduled payments that let you pay the loan off gradually. Do the math and calculate how much money you can afford on each payment: Even if a short-term loan seems cheaper than a longer-term installment loan, a lump sum payment that’s too big for your budget means it might not be.5. Read their reviews.If your opinion on a company is based solely on their advertisements, then you’re doing it wrong. Ads are where a company puts its best face forward. Customer reviews, on the other hand, give you an idea of what working with them is really like. Before borrowing money from a company, see what their actual customers have to say.Visit sites like LendingTree and Google to see what kind of customer reviews the business has received. You can also check out their Facebook page to see what kinds of comments are being left and how they’re being resolved. See if the company has a BBB page; if they do, what kind of grade do they have? When customers complain, are their claims being handled?Borrow now, plan for later.  When you’re borrowing money, there is no perfect way to protect yourself from risk. You could do everything right and still end up defaulting on your loanâ€"possibly for reasons that were entirely beyond your control. But following these five tips will help you make the best decision you can. From there, the rest is up to you.And in the future, the best way to deal with an unexpected bill or financial shortfall is to be prepared. That means creating a budget, building your savings, and improving your credit score. To learn more about how you can make your finances battle-ready, check out these related posts and articles from OppLoans:Building your Financial Life: Budgeting for BeginnersSave More Money with These 40 Expert Tips How to Raise Your Credit Score by 100 PointsEmergency Funds Are Important: Here’s How to Start Building OneDo you have a personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |Instagram