The Evolution of Behavioural Finance Coursework - 550 Words

The Evolution of Behavioural Finance (Coursework Sample) Content: Studentà ¢Ã¢â€š ¬s nameInstructorà ¢Ã¢â€š ¬s nameClass nameDate of submissionDifferences between prospective theory and expected utility theoryAccording to the expected utility theory, choices are consistently and coherently made by weighing the gains or losses of the adopted actions or their alternatives by their probabilities. These probabilities are usually payoffs which are presumed to be independent of probabilities. In other words, a decision maker in the expected utility theory chooses between risky prospects by comparing the value of the expected utility. The alternative with the most utility is selected. The expected utility theory is based on three major beliefs about the processes that take place during decision making under uncertainty or risk; linearity in assigning weights to decisions to alternatives, consistency of preferences for substitutes and judgment in reference to a fixed asset position.On the other hand, the prospect theory is mainly used to describe decisions between choices involving risk. In other words, prospect theory is used to describe alternatives with undefined results where the probabilities are known. Unlike in the expected utility theory, decision makers in the prospect theory consider choices as adjustments to their present wealth from an individual reference point. They mainly seem to be risk averse regarding adjustments perceived as gains, and risk seeking towards adjustments perceived as losses. Moreover, decision makers using the prospect theory usually overweight improbable events and underweight probable events.ImplicationsÂof these differencesThe top management in any given organization enjoys the power to determine the course of action that best suited to help then organization achieve its goals. In other words, organizations are reflections of their top management and the decision that they make. The decision made my top managers is largely influenced by the prevailing motive (opportunity or p roblem) and the category (opportunity or threat) at the start of the decision making process. Decision biases affect the manner in which decision makers obtain, process and appraise information on whose basis they make decisions. Differences between prospect and expected utility theories help strategic managers make more informed decisions. For example, organizational strategists are mainly concerned with implementing a current strategy as effectively as possible. However, prospect theory points out a warning to decision makers in this area. Supposing the strategy is adopted and pursued because it is successful, the decision will portray aversion of risk, and also the failure to identify more risky and potentially bigger profits.Differences between subjective risk and objective riskSubjective risk refers to a type of risk that an individual perceives to be a likely unwanted occurrence. For example, a person who has invested in stock exchange and made money will feel less risk invest ing in the market compared to a person who has lost money in the market. Subjective, risk has the potential to change the behavior of the risk taker especiall...

Transizion Harvey Mudd College Supplement Essay - The Best Way to Learn Essay Writing

Transizion Harvey Mudd College Supplement Essay - The Best Way to Learn Essay WritingTransizion Harvey Mudd College Supplement Essay is an adaptable composing program intended to assist understudies with learning the best possible strategies of exposition composing. It assists scholars with making their own special and unique article, covering a wide scope of themes and styles. One of the most famous projects today, it is the main selection of universities everywhere throughout the world.While most understudies can't compose a paper in a particular time, this program furnishes understudies with the innovative capacity to think of their own style and structure. Paper essayists who take this course can improve their abilities considerably more by including present day and contemporary perusing and composing techniques to their composition. These advanced increases will assist them with presenting their papers in the most ideal manner conceivable. To make this potential, teachers give a rticle subjects that are straightforward but then somewhere down in content. This makes the learning procedure much simpler for understudies who are extremely occupied at the time.Most understudies who choose to take a crack at this program should finish different subjects, for example, English Literature, Math, History, or unknown dialects before they can proceed to the exposition. As a rule, understudies locate the principal section somewhat dull and proceed onward to the remainder of the course now. In any case, the Transizion Harvey Mudd College Supplement Essay keeps on keeping understudies on target with increasingly engaged perusing. Indeed, even the individuals who have not yet taken a crack at this program think that its supportive to begin composing papers in the program in the wake of finishing different pieces of the course.The Transizion Harvey Mudd College Supplement Essay permits understudies to finish the whole course in as meager as one semester. Numerous understudi es who are simply starting to procure school credits think that its simple to do. Best of all, they can keep composing more papers while they proceed with their studies.After getting a confirmation from Transizion Harvey Mudd College Supplement Essay, understudies who have just finished the course can proceed with their instruction. They can keep on acquiring school credits toward school or work. Numerous alumni will decide to seek after vocations in the instructive field. One of the fundamental favorable circumstances of taking this course is it gives the understudy a serious edge over the individuals who don't have the equivalent experience.Most educators who are appointed to compose expositions in a tough situation at all finishing the work. Actually, numerous teachers have revealed that they have not had any issues whatsoever. Numerous understudies likewise have announced that the papers they composed and submitted were far superior to those they did in high school.Even the indi viduals who can't take a crack at the Transizion Harvey Mudd College Supplement Essay can profit by learning the procedures and methods expected to compose an exposition. The correct article essayist will consistently make an understudy a champ.

Top Tips of Term Paper Review Service

<h1> Top Tips of Term Paper Review Service</h1> <h2> The New Angle On Term Paper Review Service Just Released</h2> <p>Dedicate a plan to a solitary section in particular, along these lines it is less complex to see. As far as the before referenced contention that understudies who didn't form the paper themselves will have an unclear thought regarding what's being examined in class, furthermore it is very fantastical. Remember, when you're worn out, you may not be in a situation to perceive and alter all the blunders regardless of how regularly you re-read your paper, and we're not in any event, talking about think about what your up and coming imprint can be. As an example, if the educator pays a lot of thoughtfulness regarding style, the Nerd strolls an extra mile to manage the issue in understudy's paper. </p> <p>A entire part of people are getting keen on composing articles. 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Assuming, be that as it may, you're an instructor or have your own site and are stressed over substance robbery (without appropriate accreditation) at that point you have to consider a paid device that will flexibly you with precise data and where precisely you can discover your replicated content. </p>

Essay About College Being Worth It - Tips to Help You Write

<h1>Essay About College Being Worth It - Tips to Help You Write</h1><p>A great exposition about school being justified, despite all the trouble can be the contrast between getting into a lofty school or getting dismissed in an incredible one. The greatest issue is your normal GPA, yet on the off chance that you can likewise exhibit that you put some idea into it and can address the advantages of heading off to college, at that point you will have a superior possibility at getting in.</p><p></p><p>You must have a decent exposition written to be fruitful. There are many composing tips that will tell you the best way to do this, however the accompanying tips should get you out. Being sorted out will make things a lot simpler to glance through later on and glancing through your work will set you up for what you are going to write.</p><p></p><p>First, the principal thing that you have to recollect when composing a decent ex position about school being justified, despite all the trouble is that the article is for the peruser. It must be composed for them, not for you. On the off chance that you give a paper about school being justified, despite all the trouble to you, you will give yourself a second rate and a terrible evaluation is all anybody needs from you. So ensure that you compose with your crowd in mind.</p><p></p><p>Secondly, focus on linguistic mistakes and inappropriate utilization of jargon. An elegantly composed article begins with a decent presentation. Ensure that the acquaintance is intriguing and assists with make intrigue and the exposition will stream easily once you get into its meat. Continuously ensure that you have your perusers eyes stuck to the screen and keep the sentences short so they don't miss significant pieces of the essay.</p><p></p><p>Third, presently it's an ideal opportunity to begin composing. You should take notes all t hrough the paper. This is on the grounds that you need to ensure that you record the entirety of the data that you can. Without those notes, you may neglect to include any data, including any of the focuses that you may have made. Remember that you need to have these notes just as the entirety of the content that you write in the event that you have to reference something later on in the essay.</p><p></p><p>Fourth, after each section, you have to give a few notes or remarks. For instance, after a section of realities, you can record a few focuses or things that you like about the exposition. In the event that you need to truly dazzle your peruser, you should bring a moment and record whatever you feel may be of intrigue. This will make it simple for you to reference later and make the whole exposition more effective.</p><p></p><p>Fifth, this is a composing tip that is helpful when attempting to compose a paper about school being justif ied, despite all the trouble. Continuously put accentuation on the primary thought of the passage. Ensure that you comprehend what the most ideal approach to compose is and when composing, consistently focus on the organization of the paper. This will assist you with writing in a manner that is proficient and it will glance better in the scholastic writing.</p><p></p><p>You can undoubtedly compose an incredible paper about school being justified, despite all the trouble with these supportive tips. It might require some investment, yet it is justified, despite all the trouble. Remember that it is about you and your crowd, so ensure that you remember that all through the composing process.</p>

How To Use A Powerful Argumentative Essay Outline For Judicial Review Writing

<h1>How To Use A Powerful Argumentative Essay Outline For Judicial Review Writing</h1><p>A influential exposition diagram test is a simple method to get a composed layout for an undertaking that you can use as a format for your own legal survey paper. It permits you to compose a nitty gritty articulation that will remain all alone, utilizing comparable language to the influential article plot tests accessible on the internet.</p><p></p><p>A convincing exposition layout test is a helpful apparatus for any understudy, essayist, or educator. At the point when utilized effectively, they will assist you with contacting a crowd of people that is prepared and ready to tune in to your contentions. They additionally offer a methods for you to compose a solid factious articulation so as to make a contention that will convince the peruser to concur with you.</p><p></p><p>The powerful paper layout test is intended to be like huge numbers of the 'type' enticing articles that are accessible on the web. They are intended to be anything but difficult to peruse and comprehend. Be that as it may, regardless of whether you find that they are excessively 'natural' to your psyche, you will find that they are as yet an extremely ground-breaking tool.</p><p></p><p>A convincing paper layout test can be utilized in an assortment of ways. You can utilize them to get ready for a discourse that you are going to give at an open occasion, for example, at a discussion or meeting. These can likewise be utilized by graduate understudies who will be introducing their proposal to a gathering of individuals in an open talk, class, or presentation.</p><p></p><p>Your convincing article plot test can likewise be utilized as a short exposition for your school papers, especially when you are utilizing them just because. This can be utilized to assist you with overcoming a segment that you figure you may battle with during your school paper. You can utilize these as a base for your composition, as opposed to attempting to follow what you definitely know.</p><p></p><p>Your enticing paper diagram test can likewise be utilized to get ready for the legal survey article that you will compose for your legal audit venture. They can likewise be utilized as a base for a subject that you will cover in your convincing exposition diagram. They are an amazing route for you to discover what it is that you will be expounding on, and they can fill in as a guide, to assist you with overcoming your creative cycle, and locate a shared view for your work.</p><p></p><p>Using an influential paper diagram test doesn't imply that you can't change it to suit your own needs. You can take the wording that you like, or pick something different altogether, and afterward make your own. It is flawlessly adequate to adjust these to accommodate your nee ds.</p><p></p><p>In request to compose an influential exposition plot that will be viable in convincing your perusers, you should have the option to utilize an amazing framework that won't just disclose what you need to state, however why it is so imperative to those that you are writing to. This is something that must be learned through understanding and through making influential paper outlines.</p>

The 5-Minute Rule for Essay Topics I Can Write about Alexander

<h1> The 5-Minute Rule for Essay Topics I Can Write about Alexander</h1> <h2> The Argument About Essay Topics I Can Write about Alexander </h2> <p>Apart from that, the presentation will likewise contain the postulation, the hugeness of the subject, and it might end with a transitional sentence introducing a speedy framework of the article. A 1 hour paper cutoff time might be a genuine issue, in case you're bad enough at composing and communicating your thoughts on a subject you aren't generally inspired by. You should peruse the article brief to evade your chance of dismissal. Verify you compose atleast one paper or one letter day by day to raise your speed. </p> <p>On event, it might get overpowering to create an exposition, particularly at whatever point the subject is too difficult to even think about comprehending. For a contentious paper to be successful, it's required to locate the correct subject. Regardless of whether you have an amazingly intense point or an alternate sort of exposition to compose, we can help you out. In this way, select your theme carefully. </p> <p>The absolute first thing you should do is to figure out how to make an application exposition. Regardless of which sort of article you keep in touch with you should be aware of this issue and to pick up that information you should look into well. On the off chance that you're not exactly sure about the casual article subject doled out to you, and being not able to extricate enough data or create thoughts to remember for the paper at that point get in contact with our modified exposition scholars today. A fast token of an issue clarified in the paper. </p> <p>The exposition gives you an opportunity to uncover how successfully you can peruse and fathom an entry and create a paper breaking down the section. In the event that your exposition isn't sufficiently educational, it won't be accepted to be an awesome paper. Faultless English Every article ought to be written in a truly refined language. A factious article is very not quite the same as a typical paper. </p> <p>You need to choose which segments you would need to remember for the exposition and focus on the ones which will best depict your capacities. Appraisal and Reflection The educator uses the LDC rubric to assess the understudies' composition and offer input to assist understudies with boosting their presentation. In this way, numerous understudies and workers choose to procure modest exposition instead of composing it themselves. </p> <h2> The New Fuss About Essay Topics I Can Write about Alexander </h2> <p>The absolute best part is that you can bargain every contention or counterargument in singular sections or as you feel dependent on the span of the contention and confirmations supporting it. It ended up being an otherworldly association we can't feel now. For the explanation, as you are choosing the point, be certain you will go over enough information on it. Coordinations specialist co-ops The assortment of coordinations specialist organizations in Netherlands is incredibly across the board, which run from little administrators to goliath associations offering various one of a kind claims to fame. </p> <p>The point is to keep on keeping things straightforward yet infectious. What an astounding way to complete things. Everybody can do this, everybody can figure out how to do as such, he composes. On the off chance that you compose yawning and think that its hard to run over any proof to reinforce your position, chances are you've picked an off base point. </p> <p>Include unique reasoning If you might want your article to stand out from that of the others, you'll have to accomplish something that the others aren't doing. One of the noteworthy things when composing an article is to avoid shrinking away from the real issue. The essayist can offer models, realities, and proof to exhibit their focuses. Just authors that are keen on your point spot will put an offer that will support you. </p> <p>Alexander's preferred guide was Lysimachus. He regarded the neighborhood customs all over the place. Taking everything into account, he satisfied his objective of spreading Greek culture. He the extraordinary was one of the keen, extreme and decided pioneers on the planet history. </p> <p>His establishing and development of the speculations on the opposite side of the Realism development made the discussions which were occupied with during the bigger piece of the medieval times. Alexander is given kudos for making the phalanx sort of fight. Both had extramarital illicit relationships which were reflected in a couple of their compositions. </p>

Use the Best When Searching For Your Notes

<h1>Use the Best When Searching For Your Notes</h1><p>An explained catalog is a powerful instrument for building your own examination notes and furthermore proves to be useful when you're required to compose a clarified list of sources at the hour of an introduction. Here are a couple of tips to follow so as to discover how to make a commented on book index and how it can help you when you're searching for your notes. In the event that you wish to get a simple to-utilize manual for this progression, essentially visit the University of Sydney, the second biggest college in Australia. They have a few online instructive devices for understudies, and these can be utilized by any individual who wishes to do this step.</p><p></p><p>Once you've advanced toward the University of Sydney, you will be well outfitted with online college assets that can help you in the quest for notes or reports you might be required to deliver at the hour of an introduct ion. These assets can incorporate clarified book reference plots, inquire about synopses, related archives, key expressions, and other sources.</p><p></p><p>If you wish to make your own list of sources diagram, at that point follow these tips:</p><p></p><p>o Start with an outline of basic components in the report that you are hoping to introduce. This will permit you to effectively develop a diagram. You may likewise need to allude to the book reference's principle references, on the off chance that they are not there yet, so as to explain the basic components you have to center on.</p><p></p><p>o Carefully analyze the list of sources' substance. Ensure that you have all the appropriate data that you have to join in your proposal. Check how every one of the sources is referenced. Next, cause a rundown of all that you to have learned and remembered for the list of sources, including titles, dates, writers, and ke ywords.</p><p></p><p>o The principal thing you have to do is analyze your essential book. Lookat the front and back spreads, inspect the main page for copyright data, and check the 'copyright page' at the base. Likewise take a gander at the cover sheet of the book, particularly the date, and analyze the presentation and affirmations pages. On the off chance that you discover a comment from an analyst, at that point this is regularly written in a diary; along these lines, attempt to check the realities through a site of a college library.</p><p></p><p>These steps will help you in your assignment of making a clarified book index and are unquestionably worth the exertion. In particular, as long as you utilize the tips above, you will have no issue in making your own clarified book index outline.</p>

Rubric Samples For Essay Questions

<h1>Rubric Samples For Essay Questions</h1><p>When it comes to composing papers and different tests, rubric tests for article questions are important. The guidelines that administer the configuration of the inquiries are not written in stone. They may change, be revamped, or just vanish as time passes by. That is the reason you should beware of them occasionally and ensure that your exposition and test materials are as cutting-edge as possible.</p><p></p><p>Having rubric tests for paper questions is a brilliant thought in the event that you need to ensure that your article and test are forward-thinking. Truth be told, there are a ton of incredible advantages to utilizing these examples. Here are only a couple of them:</p><p></p><p>o These examples are free. Why pay for a rubric test in the event that you can get one for nothing? On the off chance that you have to check and update an inquiry, this is absolutely one appr oach to do it.</p><p></p><p>o It is a smart thought to make a few inquiries. You might have the option to discover some school educators that approach these examples and are happy to support you. If not, you can discover numerous extraordinary destinations that offer these kinds of tests for free.</p><p></p><p>o These examples are anything but difficult to track down. A great many people don't need to do a ton of research or invest a ton of energy searching for them. This can be a constant saver for you.</p><p></p><p>o The appropriate responses won't be copied. These inquiries are generally standard, so the appropriate responses won't be in a difficult to understand text style. In the event that you like to make certain about what you are perusing, at that point this is an amazing choice for you.</p><p></p><p>o There are various adaptations of the inquiries. You will find that you should utilize one of these examples for your articles and tests. Some of them have test answers that are altogether different from others. By utilizing these examples, you will have the option to concentrate on the particular pieces of the inquiry that you need.</p><p></p><p>The main concern is that you should ensure that you exploit rubric tests for article questions. There are loads of ways that you can discover them, yet you will find that you can discover more approaches to utilize them the more you read and research. You might be astounded at how well they can help you.</p>

The Importance of Composition and Structure of an Essay Answer Sample

The Importance of Composition and Structure of an Essay Answer SampleThe National School Law Association (NSLI Y) is a school placement service that sends its essay answer samples to different schools to assist them in creating their own essay question. These essays are required by all the schools that are in close association with NSLI Y. Most of the essay answer samples are found in the collection and is presented to students for them to critique and make notes.Essay answer samples can help students to compose and structure their essays in such a way that it will help them succeed in their essays. It's important for students to comprehend the significance of these essay answer samples as the final proof of the essay that they're going to write. The way that the answers should be placed in the essay will prove to be important as it will speak for itself.A student who finds that they are having trouble making sense of some of the essay answer samples given by the NSLI Y service provi der will have a hard time understanding it as well. However, most of the time, the students who come across an essay sample are very enthusiastic to try it out themselves as they can find it very easy to understand it. And since they can easily understand the essay answer sample and get a grip on how it should be put together, the chances of success of the students will greatly increase.A lot of students who are anxious to compose their essays know what they want to write but they just don't know how to get started. Their first impulse would be to immediately call their friends and ask them to read the questions they write. While this will work for a while, eventually, they find that it won't be able to help them compose their essays and are forced to face the problem head on.One of the major reasons why students fail to come up with good essays is because they cannot stop and think about their essay question. After they have gotten the idea, they might then figure out that they nee d to clarify the answers or add more details. While this is natural, students should then take the time to actually think of what they write down and just the act of thinking will help them focus better and compose a better essay.While there are still a lot of students who lack motivation and just can't seem to create the right kind of essay to answer the essay question, most of the students who have tried to write at least a few essays do find that they've at least gotten some practice. They have at least been able to think of a way to answer the question and then they have not just written something that they think is 'right'. Instead, they've written something that is more organized and they have written it in such a way that is persuasive enough to convince the reader that they are indeed right.You do not have to worry about composing an essay if you do not have the right attitude. It is better that you try to compose an essay if you already know what you want to write about. Ju st make sure that you don't just start off by thinking of your essay topic and that you do your best to compose a good and persuasive essay.Making sure that your essay is well planned is critical. This is the first step in composing a persuasive essay. Therefore, it's important that you don't just jump into composing your essay and that you plan it properly.

Becoming A Master Level Social Worker - 752 Words

Social workers are each created in unique ways. Some are affected personally or by issues, people, and/or situations around them. I carry my own personal experiences from good to bad ones. Becoming a master level social worker provides me with a larger spectrum to where I could dedicate myself. Accomplishing a master degree in social worker puts me a step closer to obtaining a licensure, being a therapist, a supervisor, a program director, and many other things. As social workers we carry different roles which can be define by whom we work for, as to working with individual (micro), institutions (mezzo) or within a system (macro). All social worker come from a diverse of backgrounds. I come from a working lower class family. I was raised in a border town as a single child. I was indult the catholic religion with Mexican-American cultures. During my life spam I have come across with many struggles, personally and with close family members that have affected me, in which they have driv en me to choose social work as a career. When starting my bachelor’s degree, I chose social work for one reason. All I wanted to be was a lawyer. I was obtaining my bachelor’s degree in social work for the pass to law school and the passion of making an impact to those who are in need. After a couple of classes in the social work program, volunteering, and doing research, I found out that this was meant to be for me. I continued with my desire of helping those in need and willing be helped.Show MoreRelatedBecoming A Master Level Social Worker Essay1342 Words   |  6 PagesI am interested in becoming a master-level social worker to gain the skills necessary to become a well-rounded advocate for change. Likewise, I am interested in having the opportunity to work with faculty who are conducting research and making an impact in the Charlotte community. As a social worker, I plan on working towards eliminating the school-to-prison pipeline, which directs youth into the ju venile and criminal justice system without taking into consideration how social problems, such a povertyRead MoreBecoming A Master s Level Social Worker788 Words   |  4 PagesEach Social worker is created in a unique way. Some are affected personally, by issues, people, and/or situations around them. I carry my own personal experiences from good to bad ones. Becoming a Master’s level Social Worker provides me with a larger spectrum to which I could dedicate myself. Accomplishing a Master degree in social work sets me a step closer to obtaining a licensure, being a therapist, a supervisor, a program director, and many other things. As social workers, we carry differentRead MoreThe Life and Future of a Social Worker806 Words   |  3 PagesSocial workers are very helpful, the goal of all social workers is to help individuals and families work through their issues both mentally and physically. In order to be a social worker, one must know the education requirements, the wo rking conditions, and want to help others. To become a social worker, one must have the educational requirements such as a high school diploma, one should take courses required for when one goes to college. These courses include English, Foreign language, mathematicsRead MorePersonal Statement On Child And Family Studies1244 Words   |  5 Pagesexperiences as a nanny, a student worker for the department of child and family studies at Tarleton, and lastly through my internship at Gladney Center for Adoption this past summer. I had thought about pursuing a MSW since I switched to child and family studies. 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Poor Performance Case Study free essay sample

This case study was published on 08/11/2011 on the XpertHR website (of which the University subscribes). It is written by Caroline Noblet an employment lawyer with solicitors Squire Sanders Hammonds and deals with poor performance. This looks at a situation in which a manager initially wants to consider dismissing an employee for her poor performance even though the employer has failed to address the poor performance to date. It is written in the context of a commercial organisation but is procedurally correct. It should not be used as any kind of ‘template’ for performance management and all such formal action should be fully discussed with HR. This is for information purposes only to give an insight for line managers. In some places it has been edited to correct for relevance. Carol is a claims administrator with Rest Assured plc, a life assurance company. In her mid 60s, she is one of the companys longest-serving employees and has an unblemished disciplinary record. David, the claims team manager, who joined the company recently, arranges a meeting with the HR manager, Elaine, to discuss a problem he is having with Carol. Some of Carols colleagues have complained to him that she is not pulling her weight and is dealing with her claims allocation very slowly. They have to cover for her to prevent a backlog of claims building up. David explains to Elaine that he has been told that Carols poor performance has been a problem for some time but the previous claims team manager did nothing about it. There is no documentation showing that the problem was being addressed. The previous manager allowed Carol to coast along, so much so that it appears to Derek that she has become somewhat set in her ways. Because of the effect that Carols underperformance is having on the rest of the team, David wants to take decisive action now. Elaine needs to outline to David the steps that he should take to address Carols underperformance. He should take action promptly before Carols performance issues escalate further, and follow a performance management procedure. He must also take care to comply with the requirements of the Acas code of practice on disciplinary and grievance procedures (PDF format, 1. 8MB) (on the Acas website), which covers poor performance However, before he takes formal action against Carol, David must investigate whether or not she is underperforming and, if she is, why. He will need to meet Carol to discuss the possible cause of her below-standard job performance. He should make it clear to her that this meeting is investigatory and is not, at this stage, part of the formal disciplinary process. Prior to the meeting, David should collect relevant and objective evidence, fo r example customer complaints and other evidence to demonstrate that Carol has not been dealing with claims in a timely manner. If they had been available, he would also have needed to obtain copies of Carols appraisals and details of discussions that her previous manager had with her concerning her performance. Assuming that the evidence indicates that Carol has been underperforming, based on the evidence that he collects and his subsequent meeting with Carol, David should try to establish whether Carols underperformance is capability or conduct related, and whether or not there are mitigating reasons for it. Poor performance that is capability related may be attributable to inadequate or nsufficient training, poor communication, the employees lack of understanding of his or her goals and objectives, lack of feedback, poor quality supervision and/or support, excessive workloads, unrealistic targets and deadlines, poor working relationships and personal problems. Alternatively, poor performance may be the result of genuine inability or lack of commitment. If Carols poor performance is conduct related, Rest As sured should follow its disciplinary procedure rather than a performance management process. If David identifies that Carols poor performance is capability related, he should agree specific action points and targets with her, together with a realistic timescale in which she should achieve them. He should also arrange training or other remedial steps if these are appropriate and schedule a follow-up meeting to review Carols performance. It is essential that David keep a record of the meeting (including the agreed targets for improvement) and of the arrangements for the follow-up meeting. He should continue to monitor Carols on-going performance. If Carols performance does not improve after Rest Assured has followed their performance management procedure, he may be left with no alternative but to take this to a formal review panel. To avoid Carol being able successfully to claim any kind of unlawful discrimination against Rest Assured, for example because of her age, David should deal with her performance in the same way as he would for other employees in the team. Prior to this, subject to the (now repealed) statutory retirement procedure, employers could compulsorily retire employees when they reached retirement age. As a result, many employers overlooked performance issues in older members of staff who were approaching retirement age because they would be leaving anyway. David cannot use the fact that Carol may have attained what was previously the companys retirement age as a reason to end her employment. Nor can he assume that she will want to retire at this point. If he treats Carol less favourably than other employees because she is close to, or has reached, a particular age, this might amount to unlawful age discrimination. Conversely, if he treats her more leniently than other members of the team for the same reason, Rest Assured could be vulnerable to claims of age discrimination by them. David gathers his evidence and meets with Carol to discuss his concerns. At first Carol is defensive and claims that her performance is no worse than that of the other members of the claims team. She does not believe that there have been customer complaints about her so she cannot see what the problem is. However, when David shows her evidence that her closure rate of claims files has consistently been the lowest in the team and that some customers have complained about the slow handling of their claims, she breaks down in tears and confesses to David that she has been struggling to cope with the volume of work since a new computer system for handing claims records was installed over a year ago. Although she received training when the new system was introduced, she is not as computer literate as some of the other members of the team and has struggled with it. Having established that Carols performance issue is capability and not conduct related and that her underperformance appears to be due to a training need, David decides to take an informal approach. He tells her that she needs to improve her performance or she may be moved to the next stage of the performance management process, which could ultimately lead to formal warnings. David arranges for Carol to receive one-to-one refresher training on the new claims records system. Once the training is complete, David agrees with Carol that, over a period of three months, she must ensure that her claim closure rates are at, or above, the claims teams average. He also agrees with her that he will sit down with her at the end of each month during this period to discuss how she is progressing towards meeting the target and any concerns that she may have. At the end of the three-month period, Carols performance shows a consistent improvement and the informal approach has serves its purpose without need to move to more formal measures. He continues to monitor her performance by way of regular meetings and Rest Assureds appraisal process. Davids experience with Carol demonstrates the benefits for employers of having robust fully documented processes and of dealing with performance issues as and when they arise. Employers that have failed to address poor performance at the outset may have to tolerate a longer period for improvement than they otherwise would, because the employee will have become used to performing at the lower level. It is important to have some documented evidence of a performance issue before starting formal action and by carrying out an investigation into the poor performance, the employer should be able to identify whether it is due to capability or conduct, and follow the correct procedure as a result. NB If in reading this case study you feel there is a contradiction with University training, policy or developmental materials then please defer to those University materials and discuss any queries with Human Resources.