Sheri Ebner
Professor Shelton
A321
-------------------------------------------------
06 June 2015
Week 1 Assignment 3: Critical Analysis
Part One
Title: Marketing to Children: Accepting Responsibility
Author: Gael O’Brien
Link: http://business-ethics.com/2011/05/31/1441-marketing-to-children-accepting-responsibility/ This article highlights the many issues of marketing to children, especially in the fast food department. Specifically, this article talks about the issue of obesity and McDonalds, which is one of the world’s largest fast food chains. As of late, cities like San Francisco is voting to ban selling toys with fast food for children, especially when it exceeds levels of salt, fat, calories, and sugar.
…show more content…
It all comes down to personal choice, as the CEO originally stated. Sure, McDonald’s should have some responsibility, but they have done that by changing some of the food choices in Happy Meals. The rest is up to the parents.
Part Two
Calculating Capital Adequacy Standards a. Define Capital Adequacy Standards
Percentage ratio of a financial institution’s primary capital to its assets (loans and investments, used as a measure of its financial strength and stability. According to the Capital Adequacy Standard set by Bank for International Settlements (BIS), banks must have a primary capital base equal at least to eight percent of their assets: a bank that lends 12 dollars for every dollar of its capital is within the prescribed limits (BusinessDictionary.com).
b. Define Tier 1 & Tier 2
“Tier 1 capital is composed of common equity plus trust-preferred securities minus intangible assets. Tier 2 capital is a bank’s loan-loss reserve amount plus other qualifying securities (e.g. subordinated debt and preferred stock) plus net unrealized gains on marketable securities. Total capital is the sum of Tier 1 and Tier 2 capital” (Melicher and Norton).
c. Explain the International Implications of CAS
The central banks and other national supervisory authorities of major industrialized countries met
I understand a working parent has barely enough time to watch over every little detail in the kids life, but an effort should be made not only by the parent, but also by the fast-foods to take at least some of the responsibility for making schoolchildren, and not to mention Americans in general, overweight. Advertisement towards children should be to promote healthy eating, which it currently is, however not so much back in 2003 where, according to David Barboza's article “If You Pitch It, They Will Eat”, “Product tie-ins are everywhere.” This holds true to this day, McDonalds has toys with their happy meals from two popular kids shows. Power Rangers and My Little Pony, which appeal to young boys and girls who know of or watch the show. It is a marketing strategy, the kids see the toys and watch the show, which in turn makes them want the toys, making them want to watch the shows. Continuing in an endless loop that only benefits the shows and most of all the fast-food companies like McDonalds.
The three components of the cost of capital are debt, preferred stock, and common stock.
This article incorporates essential realities about the fast food industry. Likewise, has late news and moves made by well known fast food organizations. The site likewise has tabs that clarify the wagers and most noticeably worst kid’s meals and after that another tab that includes the calories in kid’s meals. The site additionally discusses the different advertising to children and adolescents that the fast food industry does. Most of the data
“Congress should ban advertising that preys upon children, it should stop subsidizing dead-end jobs, it should pass tougher food safety laws, it should protect American workers from serious harm, it should fight against dangerous concentrations of economic power (Schlosser). People must wonder how is it that a fast food company has so much customers. Advertising is the answer. The power advertisers have to be able to influence so many people 's decisions and affect people’s lives especially the lives of young children is incredible. Advertisers know just who to target and they research how too. In Eric Schlosser’s book Fast Food Nation, Schlosser explains to the readers how advertisers use techniques to draw in customers. A technique used is the “cradle-to-grave” which focuses on children to make them lifelong consumers. Like many researcher, Schlosser, has found that advertising to children when they are younger makes them be loyal to the company, and a child 's “brand loyalty” may begin as early as the age of two (43). Fast food advertising reaches out and harms families everywhere. This is why it is crucial that the people to make changes in their lives and change the way fast food is affected us.
Obesity has become increasingly more prominent in American society. It is also a major health issue affecting many adults and children in the US every year. In his article "Don't Blame the Eater," David Zinczenko sympathizes with children who are suing McDonald’s making them fat. In his own experience as a “latchkey kid”, he knows how easily fast food makes teenagers put on weight with a steady diet of fast food meals. Zinczenko argues that both lack of fast food alternative companies and lack of providing nutrition information contribute to childhood obesity.
Fast-food industries may try to “target children in their ads”, but it ultimately comes down to the adults-the parents- choosing to dine at these places and pork up their kids on the high-sugar sodas, salty French fries, and greasy burgers. If they would just take the time to look out the window, they would see the healthy alternatives to fast-food, and how the alternatives are literally right in front of
Additionally, most of these foods like chicken, burgers and other commercial foods are sold by companies like Tyson, McDonalds, burger king and other big food companies. In Jane E. Brody’s article, she says that “marketing of food and beverages is associated with increasing obesity rates and is especially effective among children.” As said in the quote, the marketing unhealthy foods are increasing the obesity rate and effect children
Many Fast food companies target children because they are young and are good at persuading their parents to get what they want. “It’s not just getting kids to whine” (Schlosser 43). Fast food companies target kids based on what they are looking for which is money. “The decade of the child consumer” (Schlosser 43). Americans need to pay close attention to how their children spend their money. As more kids visit fast food restaurants, companies will come out with more items for kids to purchase as time goes along. More companies in America will keep targeting kids because they see an advantage in it that the reader does not see. “We see this as a great opportunity” (Scholosser 48). In the meantime, an employee at a fast food restaurant will sell fast food items to kids because they want their money in order to increase the business. As more fast food companies make sales, this will create a dynamic bond between parents and their children because the reader ponders how the fast food industry is affecting their children. As more kids leave after school to go and have something to eat with friends at a Taco Bell, or Pizza Hut, kids will buy food based on what they may be craving during lunchtime. “Research has shown children are more likely to choose foods with familiar logos” (Heyes). At some point in time, there will be millions of parents who will talk to their kids about their active interest in visiting fast food restaurants after school all of the time. The reader may
Recent studies have investigated the impact of the 2007-2009 financial crises on banks’ capital. Berger and Bouwman (2011) emphasised the importance of capital during financial crisis. Their empirical study concludes that banks with solid capital base have some benefits during the crisis than those that are poorly capitalised. Well capitalised banks are more able to withstand the shocks due to liquidity squeeze, and therefore had higher chances of surviving the crisis period. Other benefits accrued to well capitalised banks include increase in their market share and profitability, as customers withdrew their funds from less capitalised to a well-capitalised banks. This conclusion was also reinforced by a recent empirical study conducted Olivier de Bandt et al (2014) on a sample of large French banks over a period of 1993 – 2012. Similarly, Gambacorta and Marques-Ibanez (2011) demonstrate the existence of structural changes during the period of financial crisis. They conclude that banks with weaker core capital positions, greater dependence on market funding and on non-interest sources of income restricted the loan supply more strongly during the crisis period. Using a multi-country panel of banks, Demirgüç-Kunt, Detragiache and Merrouche (2010) find among others results, that during
Cleaning up down South: supermarkets, ethical trade and African horticulture is a piece by Susanne Freidberg published in Social and Cultural Geography journal in 2003 (Freidberg, 2003). Susanne Friedberg holds PhD from UC Berkely and is a Professor of Geography in Darmouth College, New Hampshire (“Susanne Freidberg,” n.d.). In the article the author argues that the ethical standards have become fetishised. The UK supermarkets compliance with such standards edges on paranoia. It does not mean that the supermarkets care about these standards from moral point of view but that the compliance is driven by fear of bad
In recent years there has been a growing epidemic of obesity, especially in America. According to the National Health and Nutrition Examination Survey posted on the Center for Disease Control website there are 12.5 million children from ages 2 through 19 that are obese. Many people are starting to complain that the commercials and ads for these restaurants are the result of such an incline in obesity. Although there have been current ad campaigns aiming at children to live a healthy life style there are still hundreds of advertisements that are putting restaurants in a sort of ultimatum position. Either restaurants change their advertisements or they improve their menus. In 1979 McDonalds debuted their world famous Happy Meals to the
What should a company do when its core product is considered “unhealthy” or even “harmful” by the public? Is it even possible for such a company survive and thrive; or will it have to shut down its business? McDonald’s fast food has for a long time been considered unhealthy by the public. In recent years, the health conscious trends have become increasingly popular. Moreover, many scientific studies and findings have surfaced and successfully confirmed that children’s increasing intake of fast food, which often contains high sodium content, sugars, saturated fats, and calories, for a long period of time would lead to childhood obesity. Moreover, obese children have a much higher risk of many health
Comparing to Basel 2 , the Basel 3 requirement of common equity Tier 1 capital ratio has risen up to 4.5%, which is 2.5% larger than before. Also , Tier 1 capital ratio increased to 6% under Basel 3 regulation
The 2008 Global Financial Crisis (GFC) and its aftermath had critically damaged the world economy with a drag in global economic growth. Indubitably, the imprudence in which banks managed their risks and capital holdings were among reasons that caused the crisis. It raised the need for industry reform, leading to G20’s Basel III proposal in 2010 to strengthen the global capital framework by imposing stricter rules regarding capital and liquidity requirements, as well as a focus on transparency, consistency and quality.
The risk-weighted assets refer to safer assets are attributed a lower allocation of capital, while riskier assets are given a higher risk-weight. Moreover, the riskier the assets, the more capital the bank has to set aside. The capital is assigned certain grades according to its quality and risk. Tier 1 capital is considered to be the going concern capital. The going concern capital allows a bank to continue its activities and keep it solvent. The highest quality of Tier 1 capital is called common equity tier 1 (CET1) capital. Tier 2 capital is considered to be gone concern capital. The gone concern capital permits an establishment to repay depositors and senior creditors if a bank became insolvent. A minimum total capital ratio that banks and investment firms are required to hold should be equal to at least 8%.