Personal Narrative: Almost Drowning :: essays research papers

Have you ever had a moment in time that seems like minutes or hours even though it was only a few seconds? Have you ever seen everything before you play out in slow motion, where you are aware of everything around you, yet not knowing what was going on? I have, and as I look back on it, I feel very blessed and protected. On December 22, 01, I decided to take a little swim in our swimming pool and almost drowned. I still can remember it like yesterday. This incident almost cost me my life, I was disobedient and it still has a big effect on me now. It all started when it was my seventh birthday party. There was a certain girl I liked. So I decided to show-off and do crazy stuff to impress her. First I tried drinking soda off the bottle but I spilled it on the rug. Everyone laughed so hard that their heads fell off! The girl I liked just sat there, not smiling. For my next attempt, I tried to wrestle my friends but I ended up breaking a lamp. Everyone laughed again. I thought about what I could do to impress the girl I liked. It was finally time to swim. I finally came up with a plan and decided to swim in the deep side of the pool even though I didn’t know how to swim. I knew it would work but I was also scared. As I walked to the swimming pool, everyone laughed at me again for wearing a speedo. I dived into the deep side of the pool and noticed everyone was staring at me in amazement. Then I swam up and hung onto the side of the pool. Everyone was shocked and puzzled. Even the girl I liked looked surprised. When everybody left to get cake, I had to clean up the swimming toys. Because one toy was in the middle of the deep end of the pool, I dived into the water. I picked it up and tried to swim up. My hair was stuck to the ladder! I didn’t know what to do! Running out of oxygen, I tried to yell for help.

The Frying Pan :: essays research papers

  Ã‚  Ã‚  Ã‚  Ã‚  The metaphors that Conrad Hilberry stated in his poem â€Å"The Frying Pan†, expressed some of the feelings that some women encounter throughout their life. In this poem I believe that Hilberry related this poem to a female that was in a relationship with a very controlling guy.   Ã‚  Ã‚  Ã‚  Ã‚  In the first stanza it says â€Å"I am another long-necked girl with the same face.†, a girl that has the same face makes me think of a girl that has no expressions, and hardly ever shows emotion, and this could be because she was controlled by her boyfriend or husband.   Ã‚  Ã‚  Ã‚  Ã‚  Throughout the first stanza it states â€Å"I am emptiness reflected in a looking glass, a head kept by a collar and leash†, the first thing that comes to my mind when I read that is that there is a girl that feels empty inside, and that she is kept on a leash by her significant other. Some examples of this could be that her significant other could have beaten her, or verbally abused her by telling her that should could not do certain things, and that can relate to being on a leash. Also in the first stanza it says â€Å"a round belly with something knocking to get in†, this could refer to her boyfriend or husband. From saying a round belly this might mean that he is over weight, and saying that something is knocking to get in could mean that all he wants to do is to have sexual intercourse with her, as in the â€Å"something knocking† refers to his penis, and â€Å"to get in† could refer to her vagina.   Ã‚  Ã‚  Ã‚  Ã‚  In the Second Stanza when it says to cross the handle and she would become Venus could refer to breaking up with her significant other and having the confidence of being attractive because Venus is the goddess of love.

Air Pollution Essay

Introduction The earth’s atmosphere, at or near sea level, consists approximately of 78 percent nitrogen, 21 percent oxygen and 1 percent other gases. If it were possible to remain in this state, 100 percent clean air would result. However, many varied sources allow other gases and particulates to mix with the clean air, causing our atmosphere to become unclean or polluted. Some of these pollutants are visible while others are invisible, with each having the capability of causing distress to the eyes, ears, throat, skin and respiratory system. Should these pollutants become concentrated in a specific area and under certain conditions, death could result due to the displacement or chemical change of the oxygen content in the air. These pollutants can also cause great damage to the environment and to the many man made objects that are exposed to the elements. To better understand the causes of air pollution, the pollutants can be categorized into 3 separate types, natural, industrial and aut omotive. Natural Pollutants Natural pollution has been present on earth since before man appeared and continues to be a factor when discussing air pollution, although it causes only a small percentage of the overall pollution problem. It is the direct result of decaying organic matter, wind born smoke and particulates from such natural events as plain and forest fires (ignited by heat or lightning), volcanic ash, sand and dust which can spread over a large area of the countryside. Such a phenomenon of natural pollution has been seen in the form of volcanic eruptions, with the resulting plume of smoke, steam and volcanic ash blotting out the sun’s rays as it spreads and rises higher into the atmosphere. As it travels into the atmosphere the upper air currents catch and carry the smoke and ash, while condensing the steam back into water vapor. As the water vapor, smoke and ash travel on their journey, the smoke dissipates into the atmosphere while the ash and moisture settle back to earth in a trail hundreds of miles long. In some cases, lives are lost and millions of dollars of property damage result. Industrial Pollutants Industrial pollution is caused primarily by industrial processes, the burning of coal, oil and natural gas, which in turn produce smoke and fumes. Because the burning fuels contain large amounts of sulfur, the principal ingredients of smoke and fumes are sulfur dioxide and particulate matter. This type of pollutant occurs most severely during still, damp and cool weather, such as at night. Even in its less severe form, this pollutant is not confined to just cities. Because of air movements, the pollutants move for miles over the surrounding countryside, leaving in its path a barren and unhealthy environment for all living things. Working with Federal, State and Local mandated regulations and by carefully monitoring emissions, big business has greatly reduced the amount of pollutant introduced from its industrial sources, striving to obtain an acceptable level. Because of the mandated industrial emission clean up, many land areas and streams in and around the cities that were formerly barren of vegetation and life, have now begun to move back in the direction of nature’s intended balance. Automotive Pollutants The third major source of air pollution is automotive emissions. The emissions from the internal combustion engines were not an appreciable problem years ago because of the small number of registered vehicles and the nation’s small highway system. However, during the early 1950’s, the trend of the American people was to move from the cities to the surrounding suburbs. This caused an immediate problem in transportation because the majority of suburbs were not afforded mass transit conveniences. This lack of transportation created an attractive market for the automobile manufacturers, which resulted in a dramatic increase in the number of vehicles produced and sold, along with a marked increase in highway construction between cities and the suburbs. Multi-vehicle families emerged with a growing emphasis placed on an individual vehicle per family member. As the increase in vehicle ownership and usage occurred, so did pollutant levels in and around the cities, as suburbanites drove daily to their businesses and employment, returning at the end of the day to their homes in the suburbs. It was noted that a smoke and fog type haze was being formed and at times, remained in suspension over the cities, taking time to dissipate. At first this â€Å"smog,† derived from the words â€Å"smoke† and â€Å"fog,† was thought to result from industrial pollution but it was determined that automobile emissions shared the blame. It was discovered that when normal automobile emissions were exposed to sunlight for a period of time, complex chemical reactions would take place. It is now known that smog is a photo chemical layer which develops when certain oxides of nitrogen (NOx) and unburned hydrocarbons (HC) from automobile emissions are exposed to sunlight. Pollution was more severe when smog would become stagnant over an area in which a warm layer of air settled over the top of the cooler air mass, trapping and holding the cooler mass at ground level. The trapped cooler air would keep the emissions from being dispersed and diluted through normal air flows. This type of air stagnation was given the name â€Å"Temperature Inversion.† TEMPERATURE INVERSION In normal weather situations, surface air is warmed by heat radiating from the earth’s surface and the sun’s rays. This causes it to rise upward, into the atmosphere. Upon rising it will cool through a convection type heat exchange with the cooler upper air. As warm air rises, the surface pollutants are carried upward and dissipated into the atmosphere. When a temperature inversion occurs, we find the higher air is no longer cooler, but is warmer than the surface air, causing the cooler surface air to become trapped. This warm air blanket can extend from above ground level to a few hundred or even a few thousand feet into the air. As the surface air is trapped, so are the pollutants, causing a severe smog condition. Should this stagnant air mass extend to a few thousand feet high, enough air movement with the inversion takes place to allow the smog layer to rise above ground level but the pollutants still cannot dissipate. This inversion can remain for days over an area, with the smog level only rising or lowering from ground level to a few hundred feet high. Meanwhile, the pollutant levels increase, causing eye irritation, respiratory problems, reduced visibility, plant damage and in some cases, even disease. This inversion phenomenon was first noted in the Los Angeles, California area. The city lies in terrain resembling a basin and with certain weather conditions, a cold air mass is held in the basin while a warmer air mass covers it like a lid. Because this type of condition was first documented as prevalent in the Los Angeles area, this type of trapped pollution was named Los Angeles Smog, although it occurs in other areas where a large concentration of automobiles are used and the air remains stagnant for any length of time. HEAT TRANSFER Consider the internal combustion engine as a machine in which raw materials must be placed so a finished product comes out. As in any machine operation, a certain amount of wasted material is formed. When we relate this to the internal combustion engine, we find that through the input of air and fuel, we obtain power during the combustion process to drive the vehicle. The by-product or waste of this power is, in part, heat and exhaust gases with which we must dispose. The heat from the combustion process can rise to over 4000 °F (2204 °C). The dissipation of this heat is controlled by a ram air effect, the use of cooling fans to cause air flow and a liquid coolant solution surrounding the combustion area to transfer the heat of combustion through the cylinder walls and into the coolant. The coolant is then directed to a thin-finned, multi-tubed radiator, from which the excess heat is transferred to the atmosphere by 1 of the 3 heat transfer methods, conduction, convection or radiation. The cooling of the combustion area is an important part in the control of exhaust emissions. To understand the behavior of the combustion and transfer of its heat, consider the air/fuel charge. It is ignited and the flame front burns progressively across the combustion chamber until the burning charge reaches the cylinder walls. Some of the fuel in contact with the walls is not hot enough to burn, thereby snuffing out or quenching the combustion process. This leaves unburned fuel in the combustion chamber. This unburned fuel is then forced out of the cylinder and into the exhaust system, along with the exhaust gases. Many attempts have been made to minimize the amount of unburned fuel in the combustion chambers due to quenching, by increasing the coolant temperature and lessening the contact area of the coolant around the combustion area. However, design limitations within the combustion chambers prevent the complete burning of the air/fuel charge, so a certain amount of the unburned fuel is still expelled into the exhaust system, regardless of modifications to the engine.

Kondracke and Vidal Evaluation Essay

In the article, â€Å"Don’t Legalize Drugs† by Morton M. Kondracke, writes on the pros and cons of the legalization of drugs in a convincing way to help the reader understand the ultimate downfall of our society if the legalization of drugs does come into effect. His convincing tone is brought together by his logical, outside resources, and predictions from credible doctors. His use of pathos also helps the reader have a deeper understanding of the serious problems of legalizing drugs. As Kondracke states in the beginning, â€Å"†¦ if the advocates of legalized drugs do have their way†¦there will also be more unpublicized fatal and maiming crashes, more job accidents, more child neglect, more of almost everything associated with substance abuse: babies born addicted or retarded..† hoping to touch the hearts of the many. Kondracke uses outside resources such as Dr. Robert DuPont who is the former director of the National Institutes of Drug Abuse and his predictions to help further his argument and give credibility. Not only does he share with the reader outside sources and studies, but he mentions many examples by comparing the predictions of legalizing drugs and the actual result of alcohol in America and what effects it would have on our society if alcohol has already done so much to change America. The only real flaw I see with this article is that it is old and much in our society has changed. In the article, â€Å"Drugs: Case for Legalizing Marijuana† by Gore Vidal, his case for the legalization of marijuana is not quite convincing enough to even call it a case. Nothing in his article seems to be believable because he uses no real statistics except for his own when he says, â€Å"†¦I have tried—once—almost every drug and liked none disproving the popular Fu Manchu theory that a single whiff of opium will enslave the mind.† which doesn’t help his case at all seeing that he could have made up that side story on the spot. Not only does he share no real believable evidence, but the article is also over forty years old and things have definitely changed. The seriousness of this article is not well developed enough which gives the reader more of a laugh than deep thinking reasoning.

Cause and Effect of Social Media Essay

The 21st century is defined by its obsession and advancements in technology, the younger generation in particular. Technology plays as a key factor in most lives, social media especially. Among the most popular of social media are Facebook, Twitter and Instagram, all with the main purpose to share or view personal information and experiences, communicate with others and meet new people on social or professional grounds. There are several positives and negatives effects associated with social media, making it a topic of debate whether it is creating more good or harm for today’s society. see more:positive and negative effects of social media We use technology as the number one means of communication, and social media has made communicating with each other even easier. We have the ability to stay linked to the world and available at all times with a simple email, text message or social media post. Because most of our conversations are through a tablet, cellphone or computer, face to face interaction is decreasing. More and more people are isolating themselves and losing the ability or desire to interact with real people in real life. It is becoming easier to go through life with less personal confrontations and conversations. This is a problem because we are social creatures and as human beings, that face to face, in person interaction is necessary. One of the main reasons social media was created was to link up with old friends near and far. In present day times we also use social media to form connections with new people. Through the use of forums and specialized pages on Facebook, you can connect with people who have interests similar to your own that you would not necessarily meet in real life and business connections also. Many people go on to build real friendships and even relationships with people they have met on social media. Only negative to this is that you never really know who you are talking to. Someone can claim to be one person, but in reality are lying to you about their identity the whole time. This has become such a common practice that the term â€Å"catfish† was created. A catfish is a person who invents a persona, or impersonates a person online through social media. There have been situations where people have been lured to meet up with who they’d consider a friend under false pretenses. Getting catfished can put one in a dangerous situation. Facebook, twitter and instagram are all methods used to share your life with others. You’re able to post pictures and type statuses to inform your friends, followers, etc., what you have been up to and how you have been living your life. Adults usually post pictures and statuses focusing on their family, trips and special events in their lives, while the younger generation takes social media a lot more serious. Every moment of their lives are put out there for the world to see, sometimes without the realization. Teenagers on social media are always trying to impress and one up each other. They sometimes post inappropriate material to try to look as cool as possible without realizing that ultimately employers, teachers, parents, law enforcement and strangers all have the ability to see. The problem is once something is on the internet it is there forever, and if caught you can find yourself in major trouble. Often when we’re bored we turn to social media for entertainment. We can check up on family friends or see what the hottest celebrity is up to. Then before we know it, our simple amusement becomes a huge distraction. The amount of people we can connect with on social media is endless and they are all so unique, we can spend an infinite amount of time browsing social media without getting bored. Many people have become addicted to social media and find themselves online way more often than they should. This creates a problem when it comes time to do schoolwork and study and even in the office for some. When trying to tackle tedious tasks, it is easy to get distracted and venture onto Facebook, twitter or Instagram. You may not have the intention to stay on for long, but before you know it hours have passed and no work has gotten done. For social media junkies they may have to turn off their phone and block these websites to focus all their attention on the task at hand and get anything done at all. Endless positive and negative effects of social media affect our society today. On one hand social media creates an easy way to communicate with one another, connect with people on a social and business level, share our lives with others and entertain us when we need it. While on the other hand social media comes with the possibility of causing isolation in many situations, putting ourselves in danger when we don’t know who we’re talking to, causing  trouble for ourselves and distracting us from school and work related tasks. Every person who uses social media needs to set limits for themselves to ensure their experience is much more positive than negative. Once that is completed social media can be used as a tool to do great things.

Online Therapy Paper Essay

This paper is related to an online therapy. This paper consists of the elements and contents of the information that is found on any online therapy website along with the information of the professionals that are involved in that therapy. The paper also outlines the way in which most of the communication relating online therapy. The paper will also highlight the policies and regulations that provide fundamentals to run an online therapy. The paper also comprehends the state regulation authority to observe and scrutinize online therapy. The paper will also present the information relative to the ethical and security issues like confidentiality along with informed consent. The paper will end up with a small discussion regarding the benefits and risks of the online therapy. The first selected website of online therapy that retrieved was www.lzcybershrink.com where the services are advertised by Elizabeth Zelvin. Elizabeth Zelvin is acknowledged as a licensed clinical social worker along with a psychotherapist. All services are provided by the single person that is her. Ms. Zelvin as retrieved from her biography holds 20 years of experience and was involved in a private service in New York State. Ms. Zelvin handled communication relating online therapy through implication of a chat room setting. This chat room provides opportunity to clients to arrange a schedule of treatment and appointment with Ms. Zelvin before actual arrival through employing email. The professional involved provide a password for her patients and start conversation through signing in at same time through online setting. The cost is offered based on  ½ hour, hour and email exchange. The cost of a 30 minute chat is set at $65 while a 60 min chat is priced at $100 while a single email exchange costs $45. The service accepts most of the online payment systems and credit cards but the payment have to be done before the actual schedule of therapy. The website also shows advertisements regarding the books and songs she has written along with the poetry. The website is whole relating the promotion content of the Ms. Zelvin. (Zelvin, 2009) The other website that was retrieved as an online therapy website is www.live-counselor.com. This website provides services of online therapy employing a chat room for communication purposes. The website involves 200 different professionals that are therapists, counselors, along with some social workers available. The website consists of live counselors who provide a mediating service to make connections of the clients with the  required therapist, counselors and the social workers. The site provides support with addictions, coping with crisis or physical conditions, eating disorders, parenting, personal development, personality and emotional disorders, and relationship issues. The service provided is charged per minute. The rates range from $1to $1.89. Registration of credit card is done before starting of conversation. Live-counselor is just a moderator and has not required setting appointments yet the clients may sign-in anytime their service provider is available. The profile of professionals shows a mark on them while they are online. The site does not have any other content besides service providers’ biographies, disclaimers in regard to not taking responsi bility for anything that occurs on the website, and the billing process. (Live-Counselor, 2009) The third website relating an online therapy was retrieved from www.serenityonlinetherapy.com. The website provides the information regarding the therapy via email or a chat-room set-up. The website centralizes on a single service provider that is â€Å"Carl Benedict, a Licensed Clinical Professional Counselor (LCPC) in the State of Maryland†. He got the experience of 12 years as therapist and provides services in mental health clinic along with a hospital. Mr. Benedict counts for a three years experience in online therapy. The price of chat is charged as $50 for 60 minute chat along with a discount offered as a package for the clients of online therapy. Many categories of articles are uploaded by Mr. Benedict regarding various issues clients might be experiencing like as, depression, childhood trauma, addiction, parenting, grief and loss, and duel diagnosis. The website also shows some inspirational poems along with some sayings to motivate the clients by Mr. Benedict. (Benedict, 2009) â€Å"All states in the US, except California, license professional counselors. The state counselor licensure boards administer the application processes and procedures that have been established by law in each state.† The National Board for Certified Counselors (NBCC) website lists the contact information for each state’s, except California, Board of Mental Health Practice. The website empowers and enables clients the ability to check the credentials of professionals who are offering online therapy and make an informed decision of whether or not to hire that particular professional. (NBCC, 2009) For the reason of advancement in technology and science there do arise some ethical and security issues. It is depicted that online therapy give rise to issues  like; security, which concerned that either online therapy is safe and effective, either there is chance that clients provide true information relative to the consent, along with the confirmation of clients and professionals as real who are involved in communication process while in chat rooms. All three websites retrieved for this paper provide disclaimers on them to make clients and professionals on safe side while online therapy like â €Å"If you have serious thoughts of hurting yourself or others, dial 911 or if you have a chronic mental illness requiring intense treatment online therapy is not an option for you†(Benedict, 2009). The three websites visited all use chat room settings for communication purposes. A password is provided to the client who registers himself by making payments through credit card. That specific password is then used by the client whenever he wants to sign in not only in chat room but also for the therapy session. The client has no way of knowing what type of security software or measures the online therapist is using to protect their personal information. Nothing guarantees that the client is who he or she claims; in a traditional setting the client and the therapist know who is present. Online therapy present some barriers regarding the options of making payment and the client is also going through a risk to pay for an online therapy session. All three websites involve a credit card payment which provides risks to clients in terms of leaking of their credit card and personal information because of providing information online. On other hand in physical setting the credit card is only swiped or the payments can be done through cash and cheques. The client holds every control regarding his personal information while in a physical office or clinical setting along with having every possible payment option for making payments. Some of the ethical issues also arise because of the technology advancements, like as is it ethical to provide online therapy when there no guarantees that the client and therapist say he or she is. In an office setting at least the client and the therapist can use ids to ensure identity. Online therapy does not require medical records; how is the therapist supposes to know the physical and mental health of a client? The therapist has to rely on self-disclosure which is taking a big risk on the therapist’s behalf. How can a therapist tell if the client is fully participating in therapy? In a traditional setting the therapist can rely on body language which is how most human communication is made. This part of  report presents some risks that are involved while involving oneself in online therapy. A traditional therapy session allows for a therapist to get a full picture of the client’s well-being by having access to medical records and being able to read a client’s body language. Another uncomfortable element with online therapy is because clients likes to know who is helping him, what he or she looks like for security reasons, and the inability to read body language is upsetting. Some benefits that are derived from online therapy in terms of clients are discussed in this part. An example of advantage is anonymity; this helps those clients who face some social difficulties in a traditional therapy setting and hence can find it advantageous to be in their comfort zone while at their own home. Clients having difficulties to approach a regular and dependable transportation can be benefited by the online therapy. This technology also facilitated those clients who lack the presence of any local therapist and thus can get the opportunity to find someone online for tha t help and assistance. Online therapy is an alternative for clients and is the client’s choice to decide what works best for him or her. After going through an in-depth study of the online therapy it is recommended that the client has to measure the both sides of the online therapy before deciding for himself what to implement. Individual needs vary from person to person so we cannot say what work best for whom. It is also depicted that the technology on one side is exciting as well as controversial at the same time. References Benedict, C. (2009). â€Å"Services†. Retrieved from: http://www.serenityonlinetherapy.com Live-Counselor. (2009). â€Å"Services†. Retrieved from: http://www.live-counselor.com The National Board for Certified Counselors(NBCC) . (2009). Retrieved from: http://www.nbcc.org. Zelvin, E. (2009). â€Å"Elizabeth Zelvin†. Retrieved from: http://www.lzcybershrink.com.

Balanced Scorecard

Since the Market downturn in October 2007, a challenging set of economic events has been rocking the financial services industry and AXA equitable has since experienced major changes to keep the company competitive. A well-developed balanced scorecard is what AXA Equitable needs in order to remain a worldwide leader in the financial services industry. In the past, management have believed that the factors critical to the success of a company were based solely upon financial measures; this is why the Balanced scorecard was developed. The BSC has gained increasing popularity as an effective management tool that aligns employee actions and goals with corporate strategy since first being introduced in 1992 (Davis Albright, 2004). Robert S. Kaplan and David P. Norton proposed the balanced scorecard (BSC). The Balanced scorecard is a widely recognized tool to support decision making at the strategic management level which improves the satisfaction of the strategic objectives (Kaplan Norton, 1992). The BSC provides feedback on internal business processes, performance, and market conditions in order to review the trategy and future plans and  Large U. S. companies, such as General Electric and Federal Express, and non-profit and public organizations have implemented the BSC approach (Creamer Freun, 2010). According to the module, â€Å"financial measures are inadequate, however, for guiding and evaluating the journey that information age companies must make to create future value through investment in customers, suppliers, employees, processes, technology, and innovation (Baltzan, Phillips, Haag 2010). The balanced scorecard deals with a proposed model that embraces both financial and non-financial aspects to measure performance of an organization in the financial services industry (Wu, Tzeng, Chen, 2009). The  balanced scorecard[pic](BSC) is a multi-criteria evaluation concept that highlights the importance of performance measurement, and it recognizes that performance measurement should be incorporated in both of financial and non-financial measures; it captures not only a firm’s current performance but also the drivers of its future performance (Tseng, 2010). The balanced scorecard would be a positive force for AXA Equitable as it is a vital part of an overall strategy to become and remain an industry leader. Since times can be unsettling and while no company is immune from the challenges of a volatile market, management should strive to identify the factors that are critical to the success of the company. AXA Equitable needs to implement the measures listed on the balanced scorecard to achieve the company’s critical success factors. This will strengthen the company and continually improve AXA Equitable’s ability to manage through turbulent market conditions when necessary. The Balanced scorecard has four main parts. The balanced scorecard is developed along the four well-known perspectives of Financial, Customer, Internal Business Process, and Learning and Growth Performance, which, at any point in time of measurement, characterize the current status and future potential of organizations (Craig Moores, 2010). The financial perspective includes the measure of an organizations financial performance. For instance, it measures revenue growth, shareholder’s value, assets under management, and cash flow. This perspective links the company to its shareholders with main attention to the question: â€Å"How do we look to our shareholders and those with a financial interest in the organization? † Financial goals include achieving profitability, maintaining liquidity and solvency both short term as well as long-term, growth in sales turnover and maximizing wealth of shareholders (Asosheh, Nalchigar, Jamporazmey, 2010). The customer perspective includes the measure of an organizations market share, customer satisfaction, customer retention, customer referrals and value added activities. This is the second external oriented perspective that takes a look at the organization’s customers, who are the crucial factor for financial success generating revenue by buying products and services. The question is: â€Å"How do our customers perceive us in term of products, services, relationships and value-added? † (Asosheh, Nalchigar, Jamporazmey, 2010). The internal process perspective includes the measure of an organizations productivity, research and development, customer complaints and returns, and operational speed. This Measure focuses on the internal processes that will have the greatest impact on customer satisfaction and achieving an organization’s financial objectives. Firms should decide what processes and competencies they must excel at and specify measures for each of them (Asosheh, Nalchigar, Jamporazmey, 2010). The learning and growth perspective includes the measure of an organizations turnover ratio, hiring goals, education and training of new and existing employees, and number of new and improved products or services. This perspective identifies the infrastructure that the organization must build to create long-term growth and improvement. Intense global competition requires that organizations continually improve their capabilities for delivering value to customers and shareholders. Thus the question remains: â€Å"To achieve our future vision, how will we continue to improve and create future value for our stakeholders? † (Asosheh, Nalchigar, Jamporazmey, 2010). The best way to measure AXA Equitable’s financial performance is the shareholders value. This shows the value that the shareholders perceive AXA Equitable to be worth. There is strong evidence that the balanced scorecard is an effective strategic management tool that leads to improved shareholder returns (Crabtree DeBusk, 2008). The primary objective of management should be maximizing its shareholder’s value. Since the turbulent economy, AXA Equitable shareholder value is back on the up rise again. This can be seen with the stock price. AXA Equitable stocks, just like most other companies, were not immune to the highly volatile market conditions; However with the market getting back together, the stock price is gradually rising again. The management decisions at AXA should be geared towards maximizing the wealth of AXA Equitable shareholders, which means increasing the value of shares owned by existing shareholders. A good measure of AXA Equitable’s superiority over its competition would be the ability to generate consistent and high total returns that it gives to its shareholders over time. Major company issues will exist with AXA Equitable if management interests are not aligned with those of shareholders. When managers pursue self-serving behavior rather than the maximization of shareholder wealth, several symptoms may become apparent: low stock returns, below-average operating performance, and suboptimal investment decisions. The likelihood of company problems is higher when managerial incentive systems do not coincide with shareholder wealth maximization (Manry Stangeland 2003). It is very important that AXA Equitable management put the interest of the shareholders first. Research suggests that firms with management that pursues its own interests at the expense of shareholders will perform comparatively worse than firms with management whose interests are aligned with shareholders (Manry Stangeland 2003). When a company like AXA Equitable is able to generate wealth for its shareholders year after year, it is able to differentiate itself from the competition and creates better value for its shareholders. Investors who purchase AXA Equitable shares hope that the returns they get on their investments would be higher than what they could get from putting those funds in a risk-free savings account. This shows that the investors are definitely willing to tolerate more risk of ownership in AXA Equitable because of the chance of making higher returns. Assets under management are a measure of the total market value of client assets with the company. AXA as a whole has 1. 46 trillion dollars in assets under management, making it the 13th largest company in the world. One of the biggest advantages of having assets under management as a critical success factor on the balanced scorecard is that focus on increasing the total value of assets under AXA demands continuous efforts and improvement by the management and employees of AXA. This financial measure is not only obvious to AXA management and employees but also those outside the company, i. e. the public. Ranking organization like Fortune 500, use the figures for assets under management as a financial success measure to rank companies against their competition and industries. Constantly increasing the sale of financial products or services is a very important aspect of a company especially one in the financial services industry. AXA Equitable offers a wide range of financial products and services like fixed income investments, equity investments, individual retirement accounts, education planning accounts, life disability insurance and annuities to its clients. The products or services is used to address their needs and help shape their financial futures. The sale of AXA Equitable’s financial products or services is crucial in measuring the financial success of the company. The product or services sale is exactly how the company makes money and becomes profitable. Employees of AXA Equitable earn production credits after each sale of its products or services. Production Credits are the total amount of compensation that AXA Equitable pays to its employees in form of commission for the sale of its products or services. The total amount of production credits earned by each employee is the best way AXA uses to measure employee performance. The Production credits can also serve as a measure of financial performance that AXA Equitable uses as a requirement for other benefits other than commission for its employees. Benefits such as medical plan eligibility, stock options, stocks appreciation rights, AXA Share plan and AXA Equitable Advantage. AXA Equitable should strive for consistent and positive investment results for its investment portfolios. This is very important to a company that deals with attracting new prospects and retaining existing clients. An AXA Equitable client, for example, with a portfolio with poor investment results will not remain with the company if that client can get better results with other financial companies outside of AXA Equitable. AXA Equitable financial advisors manage the managers. Portfolio managers manage the investment portfolios and financial products inside AXA Equitable. Those managers are in turn, managed by the financial advisors that make these investment portfolios available to the clients. The portfolio managers are responsible for picking the equities and bonds available in each portfolio, making changes and the investment results for the portfolios they handle. Clients can benefit from a professional allocated portfolio of AXA Equitable funds that delivers automatic diversification, risk management benefits, quarterly rebalancing, and consistent investment results. The customer perspective section of he balanced scorecard cannot be effective if customer satisfaction is not the number one focus. The first and most important rule for any company in the financial services industry is that the client is of the utmost priority. Financial advisors should learn to put the interest of their clients first before any other interests. Companies in a service industry should understand that customer satisfaction is a great measure of performance. Banks and other companies that deal with providing financial services to the public must first put more emphasis on customer satisfaction, and then on financial return. These companies must ensure that their customers remain loyal to them and develop new markets to attract new customers (Wu, Tzeng, Chen, 2009). A crucial part of maintaining client satisfaction is understanding the clients and their needs. AXA Equitable and its advisors are responsible for making financial recommendations and providing its clients with financial products and services, and financial education to address their needs and help the clients create the retirement of their dreams. AXA Equitable should take sending out client satisfaction surveys to every client on the anniversary date of purchasing a financial product or service very seriously. This Client Satisfaction Index survey is a true measure of customer satisfaction and has helped the company identify the key drivers of client satisfaction. AXA Equitable uses this survey to get client feedback on their financial products and the level of service that their advisors showed the client throughout the year. Value added activity is an important way a company can separate itself from the competition. Companies in the financial services industry primarily offer financial products or services to their clients. Why would a client want to use AXA Equitable’s products and service versus another financial company like American International Group (AIG)? What can AXA Equitable offer that client that no other company can? For example, every financial advisor is required to provide the clients with a contract after every sale of a financial product or service. This contract usually contains copies of signed forms and prospectus. It is better to hand deliver these contracts instead of mailing it to the clients. AIG, a major competition for AXA Equitable, usually sends out thank you cards and client referral forms after every new sale of the company’s financial product or service. This is very effective because it showed that AIG appreciates the client and their business. Value added activities can be as simple as remembering a customers’ favorite drink. Whatever the activity is, managers must find a way to capitalize upon it, as doing so will enable them to gain a competitive advantage. AIG uses this service-oriented strategy to get additional referrals and establish relationships with their clients. BSC is an effective performance measurement tool in performance improvement, which positively affects service quality (Ghani, Said, Laswad, 2010). Exceeding client expectations is another critical success factor on the balanced scorecard that AXA Equitable and its employees should incorporate. When this strategy is taken seriously and done correctly, the clients are satisfied; they stay with the company longer, purchase additional financial products or services and most importantly, refer others to the company. Customer satisfaction offers an immediate, meaningful and objective feedback about clients’ preferences and expectations (Mihelis, Grigoroudis, Siskos, Politis, Malandrakis, 2001). AXA Equitable has provided several tools like eRelationship ® for its financial advisors for client contact. The eRelationship ® platform is a good way for the advisors to have continuous contact and build strong relationships with their clients all year long. For example, doing the simple things like remembering and sending out birthday cards, wedding anniversary cards, seminars invitations, could go a long way in building and maintaining credibility, trust and satisfaction with the clients. When the financial advisor is compassionate and is always willing to help, the clients can now see the true value of the advisors. AXA Equitable needs to generate clients constantly to be successful in the financial service industry. To be successful in this business, the financial advisors have to constantly be in front of their clients. Activities that drive the success of AXA Equitable financial advisors include prospecting and meeting new clients, number of appointments set, running appointments and appointments closed. AXA Equitable uses to 5-3-1 weekly matrix to guide our advisor activities They will be successful every week if they can have five prospecting visits, run three client appointments and sign up one new client†. Internationale Nederlanden Groep (ING), another major competition in the financial services industry uses a performance management strategy to keep track of employee activities. The financial advisors are required to submit their performance goals, development plans, and action plans at the beginning of every quarter to their managers. At the end of the quarter, performance reviews are conducted by the managers to measure the activities and production of the financial advisor. The balanced scorecard will help enhance communication between the client and the organization to ensure favorable organization performance (Wong, Lam, Chan, 2009). The internal business process perspective measures efficiency and productivity level within the company. During the client appointments, after the recommendations have been presented to the client, how quickly and efficiently can AXA Equitable provide the financial products or services needed to the client? This can be done with a software called eDox ®. eDox ® is an online database software that the financial advisor carries with him to every appointment with clients. eDox ® contains information about every product that AXA Equitable offers to its clients as well as links to products from other companies that AXA Equitable advisors can also offer to its client. Intra-industry trade (IIT) has been central to increasing the variety of products available to consumers (Moshirian, Li, and Sim. 2005). eDox ® also serves as a tool that top management uses to send out memos, journals, sales ideas, and information on new product launches to every employee of the company. When the client agrees to go ahead with the advisors recommendation and get the financial products; all the applications and forms necessary to make the sale can also be found on eDox ®. A continual review and constant improvement of eDox ® would be very important to keep productivity levels high to become an industry leader. AXA Compliance department is faced with the task of keeping AXA Equitable and its financial advisors compliant with the governing rules made by the Security and Exchange Commission. The Security and Exchange Commission set rules, regulations and guidelines that govern all the companies in the financial services industry. The SEC draws up new regulations periodically that sometimes make business very difficult in the financial services industry, for example, the 90-24 transfer rule, which involves more documentation for transfers of funds between one financial companies. Meeting these guidelines and standards set by the Securities and Exchange Commission is important to eliminate client complaints, trading malpractice, and negative internal and external audit for AXA Equitable Growth within a company like AXA Equitable does not always have to mean more profits because it is in the financial services industry. To become a leader in this industry, the financial company would have to hire more financial advisors to acquire more clients, which in turn leads to more productivity within the company. AXA Equitable should set hiring goals for its managers each year that the company expects to be met because an increase in the number of financial advisors every year will cause an increase in the amount of business written in that year. AXA Equitable and other companies in the financial service industry are constantly rolling out new financial products or services to keep pace with market volatility and unlimited client needs. The companies equip these products with better features and benefits to make them more attractive to the clients and stand out from the competition. AXA Equitable should be committed to providing its financial advisors with the resources necessary to build a lifelong career. Companies facing intensive competition also have a greater impetus to find ways to differentiate their products and services from those provided by competitors, this frequently results in a greater number of product and service lines and differentiation sought through increased customization of products and services in order to meet specific customer desires. (Guilding and McManus, 2002). The Learning center at AXA Equitable is set up to train and support new and experienced financial advisors. For example, when a new financial advisor is hired, the advisor is required to take some necessary courses on AXA Advisors Virtual University (AAVU) to learn everything about the company, its policies and financial product or services. American International Group (AIG) is another company that has a similar new employee development strategy. AIG developed a New Branch Employee Orientation Program where new employees receive online orientation sessions that include information about AIG, as well as company policies and benefits. AXA Equitable should require additional sessions for training and development for their financial advisors. These sessions should include experiences and accomplishments of experienced licensed financial advisors to keep the all other financial advisors motivated and knowledgeable about everything going on with the company and the industry as a whole. Introducing a balanced scorecard in an organization and implementing the critical success factors identified on it will not be an easy task. When firms develop a  scorecard they often start with a strategic performance measurement system which includes a set of financial and non-financial measures. Afterwards, the cause and effect relationships between the different (sets of) measures are developed further to translate the firm strategy to operational activities (Wiersma, 2009). AXA Equitable’s Management and employees will have to cultivate a change initiative. The increasing use of balanced scorecards is changing the way top managers run their companies. When envisioning a firm’s future development, they no longer focus chiefly on monetary success indicators in the financial area, Instead balanced scorecard is designed to complement financial measures of past performance with their measures of the drivers of future performance (Asosheh, Nalchigar, Jamporazmey, 2010). Companies need to address issues to help assess competition in their industry. The Balanced Scorecard is generally implemented at the corporate, business unit, and individual level, and also becomes a powerful tool for the directors to monitor the implementation of the corporate strategy.