European Labour Market Essay Example | Topics and Well Written Essays - 4000 words

European Labor Market - Essay Example The observationally put together examinations concentrate with respect to the transformative models or on the executives writing which stress on the value seriousness and the portions of the fare showcase as a significant apparatus in the examination of the commitment of the methodologies initiated in the adjusting of the expenses and efficiency (Aiginger, 2004). The paper will concentrate on various parts of the joblessness of the Sweden and different approach suggestions from 1970s till date with the assistance of different monetary speculations. Joblessness in Europe from the times of 1970s The sharp decrease in the joblessness expanded definitely over the globe with the accident of the Bretton Woods arrangement of fixed trade rates. Be that as it may, in contrast to numerous zones of the world, joblessness in a few European nations has stayed away forever back to the low levels during the Golden Age after the Second World War. The joblessness in the European Union is a significan t issue. The Euro zone individuals experienced significant levels of joblessness rates and it expanded quickly in the mid 1970s in corresponding to the union of a coordinated economy and its size and the multifaceted nature has been drawing closer as that of the USA which presents a sharp differentiation (Nixson and Artis, 2007, p. 354). The no-nonsense clarification which holds this up is that the development of the industrialized economies turned out to be significantly more shaky and got defenseless against visit stuns which incorporate oil value stuns or the conversion standard changes from the time of 1970 onwards. The nations with the adaptable work advertise rules, for example, unassuming joblessness benefits, light business assurance enactment and a low level of association power which are utilized in the administration of the ingestion of these stuns with a much quickened pace with the correlation with other unbending organizations . The improvement in the quantity of the j obless in Europe can be credited to the collaboration among stuns and establishments. In any case, it has likewise been experienced frequently that broad joblessness benefits create the issue of good peril where the laborers get fragmentary security against joblessness and they are more averse to look through occupations. Individuals studded with solid hard working attitudes will think that its hard to depend on the advantages without effectively paying special mind to occupations while the others attempt to stay on the advantages as far as might be feasible. In this manner the normal qualities in a nation affect the size of the ethical risk issue and subsequently on the expense of giving liberal joblessness benefits. Desires will be on the nations where the laborers for the most part gangs a more fragile hard working attitude so as to have a lower ‘replacement ratio’ which is the degree of advantages comparative with compensation (Michau, 2009, p. 14). The business rat e is the quantity of the absolute utilized and the independently employed populace of the working age. In the mid 1960s the EU 15 the business proportion was higher than that of the USA yet it fell during the 1970s however got pace in the 1990 with falling strongly with the downturn of 2008-2009 ( El-Agraa, 2011 p.373). As of late protectors of the European social model recommended that free enterprise enlarged by a liberal and interventionist government assistance state which have taken the applauding to Scandinavia to a soar level. The Nordic

Free Education free essay sample

Round out the accompanying blueprint Free post-auxiliary instruction THESIS STATEMENT with MAP full sentence(s) (1 or 2): Post-optional training ought to be free. It is significant for the understudy to have equivalent open doors that are not directed by riches. It is additionally useful for the school as it permits more candidates for development and offers skilled understudies who might not regularly bear the cost of training. We will compose a custom paper test on Free Education or on the other hand any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Growing the open division. Subject SENTENCE 1 full sentence: Post auxiliary training ought to be free BODY PARAGRAPH 1-point structure: Primary Support 1: Potential understudies can arrive at their full capacity paying little mind to riches. Optional Support: Contribute to society and economy all the more adequately Primary Support 2: Can wind up in a pattern of obligation Secondary Support: By the time they find a high winning line of work their advantage will have developed and it’s when they will plan to make bigger buy e. g. house or a vehicle. Essential Support 3: Fewer concerns Secondary Support: More investigations and better evaluations Finishing up Statement 1 full sentence OR point structure: With the free training understudies can arrive at their full capacity, be sans obligation and improve TOPIC SENTENCE 2 full sentence: It is helpful for the advanced education to be free as it permits more candidates for extension and offers talented understudies who might not regularly bear the cost of instruction. BODY PARAGRAPH 2 point structure: Primary Support 1: The school/colleges can grow Secondary Support: by having free post-auxiliary school more individuals will apply. Essential Support 2: Secondary Support Essential Support 3 Secondary Support Concluding Statement 2 full sentence OR point structure: TOPIC SENTENCE 3 full sentence: BODY PARAGRAPH 3-point structure: Primary Support 1: Increases your odds to find a new line of work Secondary Support: Workers lean toward instructed individuals Primary Support 2: It is demonstrated that by 2011 most occupations will require a post optional training Secondary Support: People will have no chances to look for higher salary employments. Essential Support 3: growing occupation division Secondary Support: Decrease the activity lay-offs and work something lol

Quiet Time - UGA Undergraduate Admissions

Quiet Time - UGA Undergraduate Admissions Quiet Time It is now quiet time in our office. The main desk will still be taking phone calls and answering emails and we will still be conducting Information Sessions. However, admissions counselors are no longer able to take phone calls or visit with students and families that visit our office. Counselors need to focus on freshman file reading in order to be able to get decisions out by late March. We are continuing to work with guidance counselors to help complete admissions files. For more information, please visit our Quiet Time Information Page. Go Dawgs! Quiet Time - UGA Undergraduate Admissions Quiet Time It is now quiet time in our office, a practice that we have done for about 6 years. The main desk will still be taking calls and answering emails, but the admissions counselors will be focused on freshman file reading, and thus will not be able to take calls or visit with students/families that visit our office. We will still be conducting information sessions and our counselors will be talking to guidance counselors, but in order to get decisions by late March, we need to focus on file reading. While our information clerks will still be taking calls and answering emails, the responses may be a little slower as we go along. For more information, please go to the Quiet Time Information page on our website. I have enjoyed reading the limited number of files I have been able to get to so far, and I look forward to learning more about all our applicants! I will also try to give people updates and share more about my file reading through my twitter page. Go Dawgs!

Should Public Schools Be Active And Productive Members Of...

Public schools exist with the intention of providing students with the skillsets necessary to become active and productive members of society. These skillsets include critical thinking, basic decision-making, human interaction, and a plethora of similar traits. Thus, school systems should seek to provide curriculum that supports the development of these skills. One area of study that can teach these skills, among many other traits, is fine arts programs. In addition to the aforementioned skills, art also serves to educate students on various aspects of human existence and expression, while simultaneously encouraging them to undertake in the creation of art themselves. Unfortunately, fine arts programs have recently begun to face extermination, creating an issue that has the potential to critically hinder the growth and development of young students, and we as a society must take action to save these programs. As discussed, art has long been a culturally significant aspect of human existence, and this notion is widely accepted by most, if not all, of the individuals who inhabit society. If this is true, why has fine arts education suddenly been demoted to low prioritization among school board officials? The answer involves a slippery slope of national recession, cuts to school district budgets, and poor decisions coupled with a piece of legislation that obscured the line between desire and necessity. In 2002, the U.S. congress authorized the No Child Left BehindShow MoreRelatedEssay on Responsibility for Childhood Obesity1009 Words   |  5 Pagesgovernment should share the responsibility of keeping our nations children healthy. I suggest that a system should be created which implements and reinforces responsibility amongst all three parties. All three parties have played a role in getting our children in this unfortunate situation, and all three should help our children to become healt hy, active, productive members of society. With billions of dollars spent annually on advertising to children, I believe that the government should limit theRead MorePersuasive Speech On Free Speech Rights1181 Words   |  5 Pagesdebated for decades. Public schools have been challenged on many occasions for denying students their First Amendment right. Over the years the courts have ruled in favor of students and school districts. Outcomes of these rulings have varied according to the nature and extent of the student speech in question. This paper will discuss different interpretations of free speech rights for students under the Constitution’s First Amendment, protections that the law affords at school or at sponsored eventsRead MoreQuestions and Answers on Leadership1168 Words   |  5 PagesWhat insights have I gained about my role as an educational leader from these chapters? One of biggest things I gained from reading the chapters is that diversity has been and continues to be an issue in the public school setting. What can I do as a leader to enhance diversity in my school and what can I do to make the climate more multicultural? Those are questions that must be addressed and answered. As Koppelman (2014) states, â€Å"The challenge confronting us today is how to become multiculturalRead MoreThe Difference Between Education and Schooling 902 Words   |  4 Pagesto have the perception that the two words carry the same meaning. The misunderstanding of the difference between both the terms has lead to confusion in various aspects. The confusion has led to many people interfering schooling with education that school means schooling and therefore overlooking the education part. Definitely this system is not going to be successful if schooling and education do not stand in handy on each other: Schooling is a formal form of education where students are taughtRead MorePurpose Of Public Education1055 Words   |  5 PagesPurpose of Public Education I believe one purpose of public education is to prepare students for life. Public education should provide the knowledge and skills students need to apply outside of school to be a contributing member of society. We need to raise and educate kids to be self-sufficient economically and socially. Public education should provide students an opportunity to develop their social skills, communication skills, and be active problem solvers. I think this purpose of public educationRead MoreLeadership Essay1739 Words   |  7 Pagesleadership. But first, I want to quickly look at leadership qualities. Trait theory evolved from the very same question I had as to whether or not leaders are born or made. If leaders are born with certain traits then should I be evaluating myself for these traits? If there are none, should I quit or look for further evidence that these traits can be learned? I decided to do a little of both. The text identifies several characteristics of leaders. (Kreitner) My own list of leadership qualities includesRead MoreAgeism in America1709 Words   |  7 Pagesageism was coined in 1969 by Robert Butler, the first director of the National Institute on Aging. He used the word to describe the process of systematic stereotyping of people because they are old. Ageism is a term that is similar to other ‘isms in society, such as racism and sexism. Ageism allows other generations to see older people as different from themselves; thus they subtly cease to identify with their elders as human beings (Butler, 1975). All people, including the young as well as the oldRead MoreEducational Implications of Socioeconomic Status1314 Words   |  6 Pagesstudents shouldnot be blamed if they show acceptance, resignation, and even accommodation totheir poverty as they learn to live with their economic disabilities. | Rather than provide equal educational opportunity, many schools perpetuate existingsocial and economic inequities in society. | Most classrooms ar e heterogeneous in terms of student ethnicity, gender, religion, andability. Unfortunately, many teachers assign academic expectations to students on thebasis of their membership in these groupsRead MoreEducation : An Important Aspect Of National Stability And Growth1602 Words   |  7 Pagesstudents in grades kindergarten-12 is a valuable aspect of national stability and growth. Without strong school systems that provide proper opportunities for students to grow intellectually, technically and socially, the future U.S. society will not have citizens prepared to help the nation grow economically, industrially and politically. Because education is the foundation to a strong democratic society, teachers are the gatekeepers of the future. In the information provided, the educational philosophiesRead MoreThe Education and Healthcare Gap1686 Words   |  7 Pagescivic participation of World War II, America has seen a significant decline in membership in voluntary associations (68). This reduction in social capital, he claims, is represented in decreased voter turnout, party membership and committee and public meeting attendance, which are vital for a strong democracy. Others focus more explicitly upon the shifting demographics and socioeconomic status of those engaged in American civic life and politics. In essence they argue that overall civil

UCF Acceptance Rate, SAT/ACT Scores, GPA

The University of Central Florida is a public research university with an acceptance rate of 43%. UCF has the largest enrollment of any Florida college and is one of the nations largest public universities. University of Central Florida offers over 220 degree programs with top majors including engineering, computer science, psychology, and biology. The UCF Knights compete in the NCAA Division I American Athletic Conference. Considering applying to UCF? Here are the admissions statistics you should know, including average SAT/ACT scores and GPAs of admitted students. Acceptance Rate During the 2017-18 admissions cycle, University of Central Florida had an acceptance rate of 43%. This means that for every 100 students who applied, 43 students were admitted, making UCFs admissions process competitive. Admissions Statistics (2017-18) Number of Applicants 41,816 Percent Admitted 43% Percent Admitted Who Enrolled (Yield) 40% SAT Scores and Requirements UCF requires that all applicants submit either SAT or ACT scores. During the 2017-18 admissions cycle, 69.5% of admitted students submitted SAT scores. SAT Range (Admitted Students) Section 25th Percentile 75th Percentile ERW 590 670 Math 570 670 ERW=Evidence-Based Reading and Writing This admissions data tells us that most of UCFs admitted students fall within the top 35% nationally on the SAT. For the evidence-based reading and writing section, 50% of students admitted to University of Central Florida scored between 590 and 670, while 25% scored below 590 and 25% scored above 670. On the math section, 50% of admitted students scored between 570 and 670, while 25% scored below 570 and 25% scored above 670. Applicants with a composite SAT score of 1340 or higher will have particularly competitive chances at UCF. Requirements UCF does not require the SAT writing section. Note that the University of Central Florida participates in the scorechoice program, which means that the admissions office will consider your highest score from each individual section across all SAT test dates. At UCF, SAT Subject tests are not required. ACT Scores and Requirements University of Central Florida requires all applicants to submit either SAT or ACT scores. During the 2017-18 admissions cycle, 30.5% of admitted students submitted ACT scores. ACT Range (Admitted Students) Section 25th Percentile 75th Percentile English 24 30 Math 22 27 Composite 25 29 This admissions data tells us that most of UCFs admitted students fall within the top 22% nationally on the ACT. The middle 50% of students admitted to University of Central Florida received a composite ACT score between 25 and 29, while 25% scored above 29 and 25% scored below 25. Requirements UCF does not require the ACT writing section. Note that UCF does not superscore ACT results, your highest composite ACT score will be considered. GPA In 2018, the average high school GPA for incoming UCF freshman was 4.01. These results suggest that most successful applicants to the University of Central Florida have primarily A grades. Self-Reported GPA/SAT/ACT Graph University of Central Florida Applicants Self-Reported GPA/SAT/ACT Graph. Data courtesy of Cappex. The admissions data in the graph is self-reported by applicants to University of Central Florida. GPAs are unweighted. Find out how you compare to accepted students, see the real-time graph, and calculate your chances of getting in  with a free Cappex account. Admissions Chances The University of Central Florida, which accepts fewer than half of applicants, has become increasingly selective. Most accepted students have above average test scores and grades. In the graph above, the blue and green dots represent accepted students. You can see that most successful applicants had B or higher averages, SAT scores of 1100 or above, and ACT composite scores of 22 or higher. The difference between a rejection and an acceptance might be the result of your high school preparation or the specific requirements of your planned program of study. UCF gives extra weight to AP, IB, AICE, and Dual Enrollment courses as well as other advanced college preparatory classes. If your grades and test scores are borderline for UCF, it is worth submitting the optional application essay. Whether you use the  Common Application  or the University of Central Florida application, make sure you put time and care into your essay so that it strengthens your overall application. All admissions data had been sourced from the National Center for Education Statistics and University of Central Florida Undergraduate Admissions Office.

Succubus Blues CHAPTER 7 Free Essays

I turned and saw Roman sitting over in a corner of the small lobby. He looked striking in a deep green turtleneck, his dark hair brushed away from his face. He smiled at me when I caught his eye, and I walked over to sit near him. We will write a custom essay sample on Succubus Blues CHAPTER 7 or any similar topic only for you Order Now â€Å"Jesus, you really are a stalker.† â€Å"Well, well. Aren’t you presumptuous. I only came for my coat.† â€Å"Ah.† I blushed, feeling foolish. â€Å"How long have you been waiting?† â€Å"Not too long. I actually tried the bookstore first, thinking that might be a little less stalker- ish.† â€Å"It’s my day off.† I looked down at the riotously colored blossoms in my arms. â€Å"Thanks for the flowers. You didn’t need to bring them to get your coat back.† Roman shrugged, those blue-green eyes wreaking havoc with me. â€Å"True, but I figured they might induce you to go out for a drink tonight.† So he did have another motive. â€Å"Not this again – â€Å" â€Å"Hey, if you’d wanted to avoid ‘this,’ you shouldn’t have lured me in last night. Now it’s too late. You might as well avoid the long, drawn-out pain and get it over with quickly. Sort of like taking off a Band-Aid. Or cutting off a limb.† â€Å"Wow. Who says there’s no romance left in the world?† In spite of my sarcasm, I found Roman’s easy repartee a refreshing change from the halting atmosphere with Seth. â€Å"So, what? Does that mean you finally concede, general? Truly, you’ve fought a worthy battle in eluding me thus far.† â€Å"I don’t know. You showed up at my home. I apparently didn’t do that much eluding.† When he only waited expectantly, my smile faded. I sighed, studying him and trying to figure out his motivations. â€Å"Roman, you seem like a nice guy and everything – â€Å" He groaned. â€Å"No. Don’t start that with me. It’s never a good sign when a woman says ‘you’re a nice guy’ It means she’s getting ready to let you down easy.† I shook my head. â€Å"I’m just not interested in getting serious with anyone right now, that’s all.† â€Å"Whoa, ‘get serious’? Slow down there, sister. I’m not asking you to marry me or anything. I just want to go out with you sometime, maybe catch a movie, have dinner and drinks, that’s it. Kiss at the end of the night if I’m lucky. Hell, if that still freaks you out, we’ll just shake hands.† I leaned my head back against the wall, and we stayed like that a moment, each of us sizing up the other. I knew it was perfectly possible for men and women to go out on dates without automatic sex, but my dates generally didn’t work that way. My instincts drove me to seek sex out, and looking at him, I realized that urge might be strong independent of any sort of succubus need to feed. I liked the way he looked, the way he dressed, and the way he smelled. I especially liked his goofy attempt at courtship. Unfortunately, I couldn’t turn off the destructive succubus absorption, even if I wanted to. It would happen of its own volition, probably strongly with him. Even the kiss he joked about would still steal some of his life away. â€Å"I don’t know anything about you,† I said finally, realizing I’d been quiet too long. He smiled lazily. â€Å"What do you want to know?† â€Å"Well†¦ I don’t know. What do you like to do? Do you even have a job? You must have lax hours to be able to hang around me all the time.† â€Å"All the time, huh? You’re being presumptuous again, but yes, I do work. I teach a couple of community college linguistics classes. Short of when I’m there, I get to make my own hours with grading and stuff.† â€Å"Okay. What’s your last name?† â€Å"Smith.† â€Å"No way.† â€Å"Way.† â€Å"That hardly goes with Duke Roman.† I tried to think of another appropriate screening item. â€Å"How long have you lived in Seattle?† â€Å"A few years.† â€Å"Hobbies?† â€Å"I’ve got some.† He paused and cocked his head toward me when no more questions came. â€Å"Anything else you want to know? Should I dig out my college transcripts perhaps? A full curriculum vitae and background check?† I waved a hand of dismissal. â€Å"I have no use for inconsequential information like that. I only need to know the really important stuff.† â€Å"Like?† â€Å"Like†¦ what’s your favorite song?† The question obviously caught him by surprise, but he recovered immediately, just as he had last night. I loved that. â€Å"The last half of the Beatles’ Abbey Road.’ â€Å"The last half of Abbey Road?† â€Å"Yeah, there are a bunch of songs, but they sort of blend into one song – â€Å" I cut him off with a quick gesture. â€Å"Yeah, yeah, I know the album.† â€Å"So?† â€Å"So, that’s a pretty good answer.† I tugged at my ponytail, wondering how best to navigate this. He nearly had me. â€Å"I – no. I’m sorry. I can’t. It’s just too complicated. Even the one date. It’ll turn into a second date, then another, then – â€Å" â€Å"You really do jump ahead. What if I gave the super-secret Boy Scout promise to never bother you again after one date?† â€Å"You’d agree to that?† I asked skeptically. â€Å"Sure, if that’s what you want. But I don’t think you will once you’ve spent an evening with me.† A suggestive tone in his voice did something to my stomach I hadn’t felt in a very long time. Before I could fully process this, my cell phone rang. â€Å"Sorry,† I apologized, digging it out of my purse. Glancing at the Caller ID display, I recognized Cody’s number. â€Å"Yeah?† â€Å"Hey, Georgina. Something weird happened tonight†¦Ã¢â‚¬  Lord. That could mean anything from another death to Peter shaving his head. â€Å"Hang on a second.† I stood up and looked at Roman, juggling the vase of flowers as I did. He rose with me, looking concerned. â€Å"Is everything okay?† â€Å"Yeah, I mean, no. I mean, I don’t know. Look Roman, I need to go upstairs and take this call. I appreciate the flowers, but I just can’t get involved right now. I’m sorry. It’s not you, it’s me. Honestly.† He took a few steps toward me as I started to walk away. â€Å"Wait.† He dug in his pockets, pulled out a pen and piece of paper. Hastily he scrawled something and handed it to me. I looked down and saw a phone number. â€Å"For when you change your mind.† â€Å"I won’t.† He simply smiled, inclined his head slightly, and left the lobby. I watched him only a moment before heading upstairs, anxious to hear Cody’s news. Once inside, I set the flowers on my counter and put the phone back to my ear. â€Å"Still there?† â€Å"Yeah. Who’s Roman and why’d you use the old ‘it’s not you, it’s me’ line on him?† â€Å"Never mind. What’s going on? Is someone else dead?† â€Å"No†¦ no. It’s just, something happened, and Peter doesn’t think it’s a big deal. Hugh said you thought there might be more going on than we think.† â€Å"Tell me what happened.† â€Å"I think we were followed last night.† Cody related how, not long after leaving my place, he’d kept hearing footsteps following him and Peter on the street. Whenever he’d turned around, no one was there. Peter had written the matter off, as they had sensed no other being present. â€Å"Maybe you don’t know what a vampire hunter feels like.† â€Å"I’d still have felt something. And Peter certainly would have. Maybe he’s right, and I was imagining things. Or maybe it was just a regular mortal, wanting to mug us or something.† I doubted that. We couldn’t sense mortals the same way we could sense immortals, but one would be hard-pressed to sneak up on a vampire. â€Å"Thanks for telling me. You did the right thing.† â€Å"What should I do now?† A strange, anxious feeling played through me as I thought about some freak stalking Peter and Cody. Dysfunctional they might have been, but I loved them. They were the closest I had to family anymore. I couldn’t let anything happen to them. â€Å"What Jerome said. Be careful. Stay with others. Let me know immediately if anything happens.† â€Å"What about you?† I thought of Erik. â€Å"I’m going to clear things up, once and for all.† How to cite Succubus Blues CHAPTER 7, Essay examples

Political Determinants Affecting the HK Insurance Market free essay sample

Introduction This part of the paper will analyse the external environment of HK insurance market through the use of PESTEL and Five Forces Analysis. PESTEL Analysis It can be noted that the HK Insurance market has always been dependent on international business climate as well as its product cycles. Consequently, the HK Insurance market has been deliberated as one of the growing industries throughout the years. The following figure shows the analysis of the political, economical, socio-cultural and technological, legal and environmental attributes and determinants affecting HK Insurance market. Figure 1 PESTLE Analysis Political| Economical| Socio-Cultural| * Taxation Policy of Hong Kong * Foreign trade Regulations * Political status and condition of Hong Kong and the global market| * Product life cycles * Business Cycles * Rate of unempoyment * Disposable income| * Lifestyle of the target market * Income distribution * Cultural diversity| Technological| Legal| Environmental| * Rapid transition in technology * Speed of technological transfer| * Laws and regulations about that covers apparel industries * Following regulations in the foreign trade| * Awareness of environmental protection * Existence of Green Products| One of the political determinants that affect HK Insurance market is the diverse taxations which surrounds Hong Kong market which lead to re-imports. In this regard, the vehicles are being bought overseas, re-imported to the locale market which influence the price of the product. In the period of economical issues, clients do not substitute their financial and insurance products and services offerings. On one hand, there are some insurance firms which are common in the market environment which expresses a new way of providing their services to their clients. In line with technological determinants, HK Insurance market nowadays is being quiker in line with the business standards as well as considers information system for data records management. In addition, so as to cope with the environmental determinants, further consolidation of the HK Insurance market is expected and consideration of insurance products must be given emphasis. Aside from PESTLE analysis, the HK Insurance market will also be analysed through the consideration of Porter’s five Forces model. 1. Suppliers. In the case of the insuranceindustry, speficifically in the current objectives and plans of HK Insurance market, decision-makers of the corporation must have a clear comprehenson of the business dynamics in which employees are directly involved in. Such consider the employees’ concentration or and core corporate interests, diversity of the products as well as the designs being offered as well as the alternative resources that are accessible for the HK Insurance market in terms of business partnerships. Hence, it is most proper to build win–win relationships with employees or have an agreement on the use of multiple employees in array to protect the interests of both ends. 2. Power of BuyersThe power of clients/buyer s describes the implicate clients/buyer s/buyer ss have on an industry. When buyer power is robust, the relationship to the producing industry becomes closer tomarket conditions wherein the buyer has the most influence in shaping the price. In this regard, the insurance company should be able to provide the need of their clients specifically in lique with information system. 3. New Entrants and Barriers of Entry. The plausibility of new corporations entering the industry influences the pace of the industrial competition. Therefore, the key is to analyse the entry technique as well as exit approach of the new player to the HK Insurance market. Although any corporation must be able to enter and exit the sector, each industry presents diverse degrees of complexity influenced by economics. In terms of insurance market. 4. Substitutes. â€Å"Substitute products† as those that is accessible in other industries that meet an identical or similar demand for the end user. As more substitutes become obtainable as well as price affordable, the demand becomes more elastic since clients/buyer s/buyer ss have more optonss. The threat of substitutes often implicates price-based competition since substitute products may restrict the capability of corporations within an industry to raise prices and improve margins. 5. Industry Competitors. A considerable number of corporations have developed into an essential part of the period of global competition, increasing enhancement, enhanced corporate paradigms, and corporate restructure. The continuous transition from the conventional corporate framework with its hierarchical corporations to a worldwide, knowledge-founded financial system as well as intelligent corporations demands business management to realign and relocate its techniques (Oliver, 1997). Along with the intense marketing nowadays, corporations are faced with the challenge to sustain their own competitive edge so as to survive and be successful. Techniques and marketing tactics are carefully planned and executed to gain the ultimate goal of all: corporation growth (Porter, 1990). Among the HK Insurance market player the management of each company should be able to sustain their competencies. Reference Oliver, C 1997, Sustainable competitive advantage: Combining institutional and resource-Based views.   Strategic Management Journal18(9): 697-713. Porter, ME, 1980,  Competitive Strategy: Techniques for Analyzing Industries and Competitors, Free Press, New York.