Letter to parents Essay Example | Topics and Well Written Essays - 500 words

Letter to guardians - Essay Example I plan deliberately the learning results that ought to be accomplished for every youngster and as needs be I structure and convey guidance. These sorts of guidelines help to accomplish the ideal learning result without changing the educational plan and capability of each understudy can be accomplished. Battling understudies and talented or better than expected understudies both have various needs and can gain ground with separated learning exercises without their acknowledgment. They don't feel segregated and this likewise constantly creates feeling of having a place. This instructing procedure assists with coming to, educate and build up the entirety of my understudies. It is imperative to know the kid as an individual and student. To perceive pupil’s various foundation purposeful endeavors are made like calling every one by separate name, watching every one cautiously, and setting up two way discussion, and so on. Separate guidelines include substance, item and procedure separation. Since each child’s capacity and worry is unique, the profundity and unpredictability of the substance is shifted by offering different alternatives. I stresses on unique gathering society in the study hall with the goal that every student has chance to improve the information in comparable just as various settings. The creation of the gathering is fluctuated relying on the reason. This procedure separation of dynamic gatherings encourages helpful and cooperative aptitudes among kids. This guarantees understudy can work at their own level and at the same time gain ground in fluctuated ranges of abilities and interests. Additionally, I love to make my understudies increasingly free and in this manner, each time they are occupied with various and animating learning exercises. I likewise give numerous models, stories and outlines just as various techniques for the understudies who need help to clarify certain id eas. To sustain characteristic yet purposeful learning, sort of sonnets, tunes, finger plays, jargon building games,

Course Concept Redesign Coursework Example | Topics and Well Written Essays - 500 words

Course Concept Redesign - Coursework Example Likewise, the new understudy can introduce their perspectives by remarking on the video and get criticisms from their kindred understudies. The pursuit procedure utilized article databases in distinguishing the three sources on the idea of the nursery impact and environmental change. In the primary source, Reinfried and partners contend that it is troublesome changing student’s regular thoughts of the nursery impact. The test that ecological training face is making of instructional setting planned to cultivate student’s applied comprehension of the idea of the nursery impact. In encouraging understudies applied improvement with respect to the nursery impact, it is basic to configuration learning materials that advance dynamic intellectual learning and concentrated on accomplishing profound comprehension of the idea. Reinfried et al., present in the article, a created learning material dependent on the hypothesis of understanding and thinking. They contrasted the viability of the structure and standard learning materials by utilizing pre-, post and follow-up test. In looking at the student’s comprehen sion and information procurement over the three estimation test, Reinfried et al., utilized both subjective and quantitative techniques. The investigation result showed that the gathering educated by the plan concentrated on inside and out learning would be wise to information additions and maintenance contrasted with the gathering showed utilizing standard learning materials. The quality of the article, in this way, is it gives an instructional structure that connects with students in high subjective exercises, which upgrade profound reasonable comprehension of the theoretical and complex idea of the nursery impact. Be that as it may, the article has a shortcoming in introducing a near report led for a long a span of time in light of the fact that reasonable changes require a lot of time to create. In the subsequent source, Ogden et al., focuses that the degree of environmental change influences human wellbeing in a

Borderline Personality Disorder and Your Sex Life

Borderline Personality Disorder and Your Sex Life BPD Living With BPD Print Borderline Personality Disorder and Your Sex Life By Kristalyn Salters-Pedneault, PhD Kristalyn Salters-Pedneault, PhD, is a clinical psychologist and associate professor of psychology at Eastern Connecticut State University. Learn about our editorial policy Kristalyn Salters-Pedneault, PhD Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on July 05, 2019 Tetra Images / Getty Images More in BPD Living With BPD Diagnosis Treatment Related Conditions Borderline personality disorder (BPD) symptoms can affect your emotional state, your relationships, and your ability to control your behavior. So its not surprising that BPD can also have a major impact on your sex life. While very few researchers have studied BPD and its effects on sexuality, more and more work is suggesting that people with BPD can experience several key difficulties with sex. Attitudes About Sex Research has demonstrated that women with BPD tend to have more negative attitudes about sex. For example, women with BPD report having a greater number of mixed feelings about sexual relations, and are also more likely to feel pressured to have sex with their sexual partners. In addition, women with BPD report more general sexual dissatisfaction. Much less is known about how BPD affects men’s attitudes about sex. There may be a number of reasons for these more negative attitudes toward sex. First, many women with BPD are survivors of child abuse, which may contribute to overall negative reactions to adult sexual experiences. Also, women with BPD are more likely to experience a great deal of conflict in their relationships, so they may feel less positive about sex. Reckless Sex Impulsive behavior  is one of the symptoms of BPD listed in the DSM-IV. In the case of sexuality, a trend toward impulsive behavior may lead to reckless sexual behavior as well. People with BPD are most at risk of engaging in impulsive acts when they are experiencing intense emotional responses, or when they are disinhibited by alcohol or other substances. Intense sadness, fear, jealousy or positive emotions may also lead to impulsive sexuality. Promiscuity In addition to engaging in reckless or impulsive sex, there is evidence that people with BPD are more prone to sexually promiscuity. This differs from impulsive sex in that promiscuity is the act of intentionally having multiple sexual partners (rather than having casual sex on a whim). Why might people with BPD be more promiscuous? One possibility is that they use sex to combat feelings of emptiness that are associated with the disorder. When feeling empty, numb, lonely, or bored, sex may generate positive emotional responses. Avoidance of Sex While some studies have shown an increase in sexual behavior in people with BPD, there is also evidence that some actually avoid sex. For example, in a 2003 study, Dr. Mary Zanarini and colleagues found that people with BPD reported avoidance of sex for fear of experiencing an exacerbation of their symptoms. Your Sex Life While the research is far from conclusive (and is particularly sparse with regard to men with BPD), there is evidence to suggest that people with BPD can experience a variety of sexual difficulties.  It is likely that the impact of BPD symptoms on sex can vary substantially from person to person, and can take very different forms. How your symptoms impact your sex life may warrant some reflection or even a discussion with your therapist or partner.

Personal Statement On Family Farms - 937 Words

Family farms serve as both a place to live and a place to work and is unique as both a home and a workplace. Growing up on a cattle farm, with horses and the necessary machinery, I was exposed to many conditions that have taught me valuable lessons and allowed me to thrive as a young individual. One of the main reasons that I have been able to thrive under these circumstances is because of my family members ensuring my safety. My family has always been rigorous about teaching me how to stay safe from the many dangers on our farm that could leave me vulnerable to injury and illness. On our farm, we consider the health and safety of our family to be our number one priority. When I was young, my parents restricted my access to worksites on the farm and were certain to reduce my exposure to hazardous situations to ensure my safety and well-being. I was prohibited to go near the cattle without one of my adult family members being with me and was not allowed to roam around the farm without the supervision of an adult. I became progressively mesmerized by the livestock on our farm and wanted to be more involved with them so that I could pursue my curiosity. While this worried my parents to a certain degree, they supported my curiosity and began to give me modified tasks and chores that I was capable of doing without putting me in harm’s way. Before performing any of these tasks however, they ensured that I was properly informed on what I was to do and how I was to do them. TheShow MoreRelatedAnalysis Of 40 Acres And A Mule1557 Words   |  7 Pagescitizen or own land was left up to the individual states. Persons of various ethnicities were legally denied citizen status for years in many states. In addition to persons who are citizens, particularly white women, the right to own land or any personal property, was tied to her marital status and inheritance rights. The acquisition of land and access to assistance to improve and make a living from the land, for m inorities in the US has been a constant struggle. Even federal organizations set upRead MoreFarm Girl Essay1399 Words   |  6 PagesChristina Anderson Mr. Kingsley Eng105 1 February 2012 Life Lessons from the Farm Jessica Hemauer’s essay, â€Å"Farm Girl,† tells her life story of living on a farm through her eyes as ten-year-old child to the time of her early adulthood. The purpose of this piece is to teach the importance of lifes responsibilities to children, mainly female, and young adults who may not be familiar with the challenges life can bring and to promote the benefits you can gain by overcoming those obstacles. HemauerRead MoreAnalysis of Home Burial1496 Words   |  6 PagesRobert Owen Marjory Thrash Eng 1123 V02 13 April 2009 Analysis of â€Å"Home Burial† Many of Robert Frost’s poems and short stories are a reflection of his personal life and events. Frost’s short story â€Å"Home Burial† emulates his experience living on a farm and the death of two of his sons. Frost gives an intimate view into the life and mind of a married couples’ struggle with grief and the strain it causes to their marriage. The characters Frost describes are synonymous, physically and emotionally,Read MoreA Study On The New Valley s Five Districts767 Words   |  4 Pagessample size from a given population, as the population of this study were the total number of families in each chosen village (706 at Al-Mounirah and 80 at Al-Thaniyah village), then the sample size were 248 family from Al-Mounirah and 66 from Al-Thaniyah village. Data were collected from 300 rural women (240 from Al-Mounirah and 60 from Al-Thaniyah village), during the period from May to Jun. 2016 through personal interviews using a questionnaire form. The questionnaire was designed and pretested forRead MoreFrey Farms Vs Wal-Mart Negotiations943 Words   |  4 PagesThe Frey Family of Companies is a year-round supplier of fresh fruits and vegetables. They are a family of growers, packers, shippers and marketers specializing in watermelons, cantaloupes, pumpkins and fall ornamentals. The Frey Farms Produce headquarters is located in rural Wayne County northeast of Mt. Vernon, IL and is supported by strategic shipping locations in Illinois, Indiana, Missouri, Georgia, Florida and throughout the Midwest. The Frey family has been in the produce industry for severalRead MoreThe Logic Of Stupid Poor People, And Andrew Corsello s The Other Side Of Hate939 Words   |  4 Pagesbetter than them, or has something that they do not have. This story killed all reasons to even feel this way. McMillan also linked this story back to her own personal childhood. Their family was a classic black American migration family, with rural Southern roots. During this time most African Americans were considered as poor. Her family gave what little they had to help others make ends meet. They always got a little extra money when using the VA benefits, military compensation or someone diesRead MoreOf Mice and Men by John Steinbeck1358 Words   |  6 Pagesillustrates the hardships of the time, and more so those that laborers such as George and Lennie experience. Life proves to be full of disappointments for both men who are victims of harsh circumstances in more ways than one. The two have a dream to own a farm of their own but circumstance and fate robs them of their dream for a better life. This is a depiction of the lost American Dream during the Great Depression which lasts between 1929 up to the 1940s. The poem titled â€Å"This Is Not The Life† further depictsRead MorePatrick Henrys Fight For Freedom776 Words   |  4 PagesThat’s why the people who want freedom must fight for it. He also gives a personal statement in which he says oblique that they must win the fight, â€Å".... give me liberty, or give me death!†. With his statement he shows how big his wish of freedom for his country is. Either he wants to die than live without freedom. Patrick Henry shows what it means to have freedom by explaining how important it is to the audience and with personal examples to win the fight against the British to receive it. Steve McQueensRead MoreAlice Munro s Boys And Girls And Jamaica Kincaid s Girl1524 Words   |  7 Pagesfox- breeding farm which correlates to the North American culture in the 1960 s. In the 1960 s, women were stereotyped as happy wives and mothers. In contrast, the society believed that unmarried women were social outcasts which in direct correlation makes the eleven- year old girl subjected in this category. For example, she is occupied with the process and details of the work on the farm in direct correlation to what a boy work should consist of. The demand of a fox- breeding farm is to supplyRead MoreFood, Inc., By Michael Pollan And Eric Schlosser1264 Words   |  6 Pagesdiscusses how the fast food industry has transformed what people eat. In addition it debates the farming practices and the whole global food system. According to Pollan and Schlosser, farming practices have become so industrialized that today many farms are more like factories. An example of these farming practices can be found in the way chickens are raised. Chickens are often confined together by the thousands in large metal buildings with no access to light or fresh air. In addition they are

Battle Against Hiv / Aids Essay - 2034 Words

Name: Professor: Course: Date: Battle against HIV/AIDS in South Africa Introduction HIV/Aids pandemic is high in South Africa as compared to any other country in the world. Recent statistic show that 12% of South Africa’s population lives with the virus and including young children the percentage rises to 18% of the total population. Other neighboring countries such as Botswana also have high prevalence rates and this means that almost all southern African countries rank top among the most infected nations not only in Africa but the world around. In the past few years the number of south Africans being diagnosed of HIV has been rising and even though the infections among adolescents particularly male have been dropping the damage this infection is causing remains substantial both socially and economically. Based on demographic grouping the most infected are females below the age of 40. And of the females infected about 80% are aged between 20-24 years. Infection among males stands below 40% with those aged above 30 years being the most infected. The fact that aids is high in South Africa more than any other country in Africa makes it necessary to understand the reasons behind it. Steinberg (2008) in his book â€Å"Sizwe s test: a young man s journey through Africa s AIDS epidemic† fails to understand why many people still die in south Africa despite the emergence of antiretroviral drugs. He however realizes that â€Å"stigma† remains the greatest challenge in as far as HIV/AIDS isShow MoreRelatedThe Public Health Triad Essay1017 Words   |  5 Pageshuman actions are also responsible to some detrimental health effects. Human behavior through habitat modification has led to the emergence of infectious diseases â€Å"Modification of natural habitats by humans is a leading cause of emerging zoonoses† (Battle, 2009, P 32). Humans contribute to this modification through urbanization, agricultural development, manufacturing, recreation, and transportation. These leads to increased risk of transmission of infectious agent s due to our close proximity to theRead MoreChief Of The National Center For Hiv, Std, And Tb Prevention1097 Words   |  5 Pagesjust viewing officials in higher positions as leaders, in the case of Dr. Helen Gayle, who was the director of the National Center for HIV, STD, and TB Prevention (NCHSTP) at the U.S. Center of Disease Control and Prevention (CDC) (Managing across boundaries). In her recent assignment she was credited with innumerable accomplishments in the battle against HIV/AIDS and other contagious diseases not only in the United States but globally as well (Managing across boundaries). In the case of Dr. HelenRead MoreHiv And How Is It Different From Hiv ( Human Immunodeficiency Virus )? Aids?1689 Words   |  7 PagesWhat exactly is AIDS and how is it different from HIV (Human Immunodeficiency Virus)? AIDS is a severe form of HIV in which someone’s immune system is completely destroyed; HIV is a virus that affects the immune system. In other words, you ca n have HIV without AIDS, but if you have AIDS, then you automatically have HIV. The origin of HIV is disputed between scientists; some have theorized that it was passed down from apes and somehow transferred between humans. HIV attacks the bloodstream and eliminatesRead MoreThe Epidemic Of The Hiv Virus1747 Words   |  7 PagesStephan Ziccardi Professor Becher ENC 1101 October 24th, 2015 Since the discovery of the HIV virus in 1983, there have been many precautions taken to control and prevent the spreading of this deadly disease. Helen Epstein, who is the author of â€Å"AIDS Inc,† informs her readers about the sexually transmitted disease known as the Acquired Immune Deficiency Syndrome (AIDS). Epstein enlightens her audience with crucial information in regards to the ruthless disease that is devouring the lives of innocentRead MoreHiv / Aids : An Unknown Disease1508 Words   |  7 Pages Emerging in the early 1980s, HIV/AIDS was an unknown disease that spread rapidly throughout the United States. In the beginning not much information was found due to this being a very new disease with a completely unknown background. As decades passed, research has increased as well as the number of cases of people reporting that they are infected. Being that 1 out of every 4 people are infected with HIV/AIDS, this disease has had such an immense impact socially, domestic ally, as well as politicallyRead MoreIn 2015, An Estimate Of 36.7 Million People Was Living1009 Words   |  5 PagesIn 2015, an estimate of 36.7 million people was living with HIV and 1.1 million people died of AIDS-related illnesses (_). AIDS is a severe disease that causes the human’s immune system to become weak. Once the human body’s immune system is damaged, the body is more susceptible for infections. The most terrifying part about this entire ordeal is that scientist have yet to find a permanent cure for HIV/AIDS. As time progresses, scientists have been able to understand the illness even more and createdRead MoreTreatment of Human Immunodeficiency Virus (HIV) Essay1113 Words   |  5 Pagesâ€Å"Human immunodeficiency virus (HIV) is a blood-borne virus typically transmitted via sexual intercourse, shared intravenous drug paraphernalia, and mother-to-child transmission (MTCT), which can occur during the birth processor during breastfeeding.† There is no cure for HIV or AIDS but over time different types of medications have been developed that slows down the advancement of the disease. AIDS is a lethal disease that is caused by HIV. HIV destroys the immune system and causes the body to notRead MoreThe Effects of HIV754 Words   |  3 PagesMental Hygiene, The Bronx has the highest HIV infection rate in New York City. In 2013, NYC.gov reported 35,172 people were living with HIV/AIDS in the Bronx. Acquired immunodeficiency Syndrome (AIDS) is the disease caused by the Human Immunodeficiency Virus (HIV), which is the final stage of HIV. This is a world wide epidemic, especially because most people living with HIV dont have access to prevention, care or treatment and there is still no cure. HIV can be transmitted from certain fluids suchRead MoreSustainable Development1650 Words   |  7 Pagesdelighted to join you today in launching this book, an important tool in our ongoing efforts to demystify HIV/AIDS. The book being launched here signifies the author‟s desire to contribute meaningfully to education and information sharing materials, especially targeted toward the youth highlighting the dangers of irresponsible behaviour which may lead to contracting diseases such as HIV/AIDS. The production of the book, The Other Presence, and its translation into local languages, are thus aimedRead MoreAids Research Paper1428 Words   |  6 Pagestoday is the epidemic of AIDS. As a consistent killer throughout the world, AIDS has become an immediate concern to agencies and governments worldwide. In response, there are numerous international organizations that have been established to learn more about preventing, tracking, and treating the disease. Through extensive research and analysis, AIDS researchers are making gradual breakthroughs to benefit the struggle. However, since there is currently no cure for AIDS, researchers are rapidly

Life of Pablo Friere Free Essays

Based on the demands of our educational system, our society is forced to conform to the level of education that they want us to be at. This educational distortion is beneficiary to the educator’s realm and the way of governing education . We are seen as merely objects rather than subjects and are fed only facts/information that the educator only wants us to memorize not actually comprehend it or even ask questions or give our opinions to given facts/information. We will write a custom essay sample on Life of Pablo Friere or any similar topic only for you Order Now This is what makes the educator the oppressor and us the oppressed. Paulo Freire’s â€Å"Pedogogy of the Oppressed† deals with the concept of oppression in the school system and suggests an alternative method of education. There is an absolute need for students to â€Å"Tear down the wall† (Pink Floyd) of conformity in education and express their individuality. Education in itself can be a contradiction. The teacher (oppressor), is there to educate/teach the student (oppressed) but is he really? As Freire indicates â€Å"Narration (with the teacher as narrator) leads the students to memorize mechanically the narrated content. Worse yet, it turns them into â€Å"containers,† â€Å"receptacles† to be â€Å"filled† by the teacher. The more completely she fills the receptacles, the better a teacher she is. The more meekly the receptacles permit themselves to be filled, the better students they are.† (67). He also goes on to say â€Å"Education thus becomes an act of depositing, in which the students are the depositories and the teacher is the depositor. Instead of communicating, the teacher issues communiques and makes deposits which the students patiently receive, memorize, and repeat.†(67), and he refers to this as the â€Å"banking system† where the student goes â€Å"only as far as receiving, filing, and storing the deposits.†(68). This â€Å"banking system† method of teaching, really is not teaching the student(oppressed), but rather they are given facts/information by the teacher(oppressor) that they do not fully understand, and so there really is no learning. Also the â€Å"banking concept† holds the student down because he is told what to learn, and he is not allowed to work to his full capacity. It is because if this that the student lacks â€Å"creativity, transformation, and knowledge in this (at best) misguided system.†(68). If this type of educational method keeps on, then there will be no change, therefore the minds will be filled with facts/information that the student will not always understand. This â€Å"banking concept† method of education also keeps a restraint to knowledge for the student to a certain level because it doesn’t give the student initiative, motivation, and drive to actually go out and want to learn. In other words this isn’t the way to go about education. As Freire states â€Å"This solution is not (nor can it be found in the banking concept. On the contrary, banking education maintains and even stimulates the contradiction through the following attitudes and practices, which mirror oppressive society as a whole:†(68). They are as follows: â€Å"(a) the teacher teaches and the students are taught (b) the teacher knows everything and the students know nothing (c) the teacher thinks and the students are thought about (d) the teacher talks and the students listen–meekly (e) the teacher disciplines and the students are disciplined (f) the teacher chooses and enforces his choice, and the students comply (g) the teacher acts and the students have the illusion of acting through the action of the teacher (h) the teacher chooses the program content, and the students (who were not consulted) adapt to it (i) the teacher confuses the authority of knowledge with his or her own professional authority, which she and he sets in opposition to the freedom of the students. (j) the teacher is the Subject of the learning process, while the pupils are mere objects.†(68-69). Freire suggest that the educational system use an alternative method of teaching. He calls this â€Å"problem posing† education. Freire goes on to say â€Å"Those truly committed to the banking concept in its entirety, adopting instead a concept of women and men as conscious beings, and consciousness intent upon the world. They must abandon the educational goal of deposit-making and replace it with the posing of the problems of human beings in their relations with the world. â€Å"Problem-posing† education, responding to the essence of consciousness-intentionality-rejects communiques and embodies communication.†(74). Freire suggests that the students(oppressed) must break free from this system of things and liberate themselves and free their minds. â€Å"Problem-posing† is an excellent way to break free from oppression in our educational system. Freire suggests that â€Å"Indeed, problem-posing education, which breaks with the vertical patterns characteristic of education, can fulfill its function as the practice of freedom to overcome the above contradiction.†(74). The oppressed, once free, experience their world, and as a result question it. This is where they break free from oppression and begin the journey to freedom from this restricted educational system that Freire calls â€Å"banking system†. Freire also mentions that â€Å"Problem-posing education, as a humanist and liberating praxis, posits as fundamental that the people subjected to domination must fight for their emancipation. To that end, it enables teachers and students to become Subjects to the educational process by overcoming authoritarianism and an alienating intellectualism; it also enables people to overcome their false perception of reality. The world-no longer something to be described with deceptive words-becomes the object of their transforming action by men and women which results in their humanization.†(79). In other words, based on the â€Å"banking concept†, students are told what to learn and expected to learn it. Being told what to learn creates a necessity to rely on an authoritative figure not only in school but also in life, and reject responsibility. This is what the â€Å"oppressors† want, the â€Å"oppressed† who rely on authority and reject responsibility because that puts everyone under some form of power, and the â€Å"oppressed† are then prepared for the next oppressor. The educational system needs â€Å"problem-posing† methods of teaching because it makes the student becomes a critical thinker, and not only that but no longer becomes an object but rather a being who can share ideas with the teacher. In that fashion of education the teacher could also learn from the student and all can give different input on a given subject. This would allow each student to break the mold and become individual thinkers who can express their knowledge in different ways. Overall the methods used for teaching are very inadequate. Instead of telling the students what is to be memorized, the teachers should apply problem-posing techniques to get the students learning themselves. Once this teaching method can be applied, students shouldn’t actually just rely on the facts/information given to them but rather go out and seek and find out for themselves the truth and reality of all things. Everyone Is able to share their ideas and can learn from each other. I feel that Paulo Freire does an excellent job in making us aware of the reality of things in our educational system. I agree with the fact that we should have more of the problem-posing method of teaching, because it will not only involve us and make our ideas heard but will actually expand our way of thinking. How to cite Life of Pablo Friere, Papers

Turkeys application for the membership in the EU

Table of Contents Introduction Focus of Research and Research Questions Methodology and Information Sources Argument Literature Review Conclusion Works Cited Introduction Turkey’s application for the membership in the EU (1987) has brought the relationship between the two parties to the new stage. In 2005, Turkey was given the status of an official candidate for the EU membership, which made the prospect of accepting the country to the Union rather realistic.Advertising We will write a custom dissertation sample on Turkey’s application for the membership in the EU specifically for you for only $16.05 $11/page Learn More Significant differences that relate to the fields of economy, politics and international affairs, culture, civil law and religion have predetermined strong interest to the initial conditions, peculiarities, possible outcomes, potential threats and benefits of the abovementioned union. The rapid progress in the partiesâ⠂¬â„¢ relationship corroborated the possibility of a quick positive outcome of the decades-long negotiation and seemed to reflect their opinion about the future union. At the same time, the last years were marked by a turn in Turkey-EU cooperation. Turkey’s international policy shift from orientation to the West towards the strengthening sympathy for the Muslim Middle East identified the country’s international ambitions connected with its world recognition in the position of a strong independent state. Correspondingly, the EU society found itself concerned about the capability of two different cultures to co-exist, integrate, and successfully interact. The rhetoric of the European countries leaders (Nicolas Sarkozy, Angela Merkel) indicated the shift in the EU society’s attitudes. Today Turkey keeps the status of an official candidate for the EU membership. Both parties do not demonstrate the willingness to revise the prospects of the future cooperation, though not showing strong willingness to force the process. At the same time, it would be quite untimely to assume that both societies’ attitudes towards the potential union are homogeneous and coincide with Turkey’s and the EU’s official position. This predetermines the significance of investigation of discussed topic for the further evolution of the Turkey-EU relationship and gies birth to a range of research questions in the field of social studies that require scholars’ and policy makers’ particular attention.Advertising Looking for dissertation on international relations? Let's see if we can help you! Get your first paper with 15% OFF Learn More Focus of Research and Research Questions The focus of this research is the attitude of the Turkish society towards the possible Turkey-EU union. The purpose of study is to detect the tendencies in the Turkish public opinion about the countries membership in the EU, which may clarify to what ext ent this prospect remains realistic and how the integration will progress in case Turkey is accepted. In the course of study, the following research questions are expected to be answered: What attitudes towards Turkey’s membership in the EU exist in the Turkish society? What arguments do the proponents of each attitude provide to support their point of view? What factors influence the Turkish public opinion? What information sources have the strongest authority with the Turkish population? What is the official opinion of the Turkish government? Does it have significant influence on the attitudes of the population? How do the Turkish people see their own future in case the country enters the European Union? What parties of the Turkish society are the most interested in the EU entry? What are the strongest potential threats of the Turkey-EU union? (economical, political, cultural, social, religious aspects) How do the Turkish people want to see their country in the future? (in ternal condition, international arena) How do the Turkish people perceive the attitude of the EU citizens and officials towards Turkey? What alternatives to the EU membership do the Turkish citizens consider possible for their country? Methodology and Information Sources The study implies analysis of information sources devoted to the discussed topic. It is planned to get familiarized and compare the opinions of scholars and journalists who have been studying the public opinion of the Turkish population about the EU entry, as well as the opinions of the Turkish policy-makers. The following sources will be used in the course of the study: Monographs Articles in scholarly journals Turkish daily newspapers EU documents Interviews with Turkey officials: Egemen Bagis (the Minister of EU affairs in Turkey), Uluc Ozulker (ex-ambassador of Turkey to the EU). Argument The preliminary study of the given issue has demonstrated that the Turkish population is not homogeneous in evaluation of the outcome of Turkey’s EU membership. The tendency of opposition to the Turkey’s EU membership is expected to have been strengthening. The Turkish citizens’ strongest concerns are expected to be connected with: 1) the role Turkey will obtain in the European community after joining the EU; 2) the impact of the union on the life of the ordinary Turkish people; 3) social, cultural and religious differences that will play a role of serious obstacles in the Turkey-EU integration. Hypothesis: despite availability of the attitudinal factors that form resistance towards Turkey’s EU membership, the Turkey population has positive expectations about the potential union.Advertising We will write a custom dissertation sample on Turkey’s application for the membership in the EU specifically for you for only $16.05 $11/page Learn More The literature review provided below is aimed at testing the abovementioned statements. Literature Review Study of Turkey population’s attitude towards the EU membership requires obtaining a background on the Turkish political process. Much has been said about the impact of Islam on the Turkish society. Arat’s (2005) is devoted to analysis of Turkish Islam as a power that influences the Turkish political process. The author also estimates the power of the Turkish women in politics. Arat mentions the â€Å"serious polarization within society† (5) between the secularist and the Islamist poles. White’s work (2002) helps understand the roots and the process of evolution of Islamic politics in Turkey. Ãâ€"zyà ¼rek’s (2006) demonstrates that the secular and Islam issues actively interact and to the great extent oppose each other within the borders of Turkey’s political process. The author states that the secularist tendencies have been strengthening in Turkey during the last few years. Andreson (2008) discusses the dynamics of the democratic process in the Turkish politics and â€Å"the warped dialectic between state and religion in the Turkey†. The democratic trends have been competing to the approach expressed by Erdogan, the AKP leader, †When the feet try to govern the head, it becomes doomsday†. Arikan (2008) marks that the principles of democracy and human rights are the basis of the â€Å"new European political order† (113). Turkish expectations about the EU membership are to the great extent connected with blossoming of these principles in the social life of the country. On the other hand, the domination of the mentioned â€Å"new order† is perceived by some citizens as the invasion to the unique Turkish cultural space that has been forming for centuries. However, Carkoglu (2003) marks that â€Å"general attitudinal bases of resistance to EU membership- religiosity, anti-democratic attitudes and Euro-skepticism – do not form sources of EU refutation† (186). The autho r argues that the Turkish elites are now in the state of polarization, and each force is able to find the necessary rhetoric and persuasion mechanism to â€Å"conquer† the population’s support through media (187). Paradoxically, the elites that resist to the EU membership are able to keep their electoral support (ibid.).Advertising Looking for dissertation on international relations? Let's see if we can help you! Get your first paper with 15% OFF Learn More Carkoglu says that despite the dominating positive attitude towards the EU entry among the Turkish political elites, the legislative changes required by the EU are conducted quite slowly (ibid). Besides, they prefer to not emphasize the EU-related issues during the â€Å"electoral rush†. To form a full understanding of Turkey’s attitude to the EU entry, it is necessary to study the opinion of different parties, such as (at least): officials, political organizations and social movements, media, different social groups. One of the most significant questions in the study of the Turkish public opinion about the EU entry is what parties are the most strongly interested in it. In the abovementioned (2008), Anderson outlines the following, â€Å"In Turkey itself, as in Europe, the major forces working for its entry into the Union are the contemporary incarnations of the party of order: the bourse, the mosque, the barracks and the media. The consensus†¦ is not quite a un animity. Here and there, surly voices of reaction can be heard†¦ For the Turkish left, politically marginal but culturally central, the EU represents hope of some release from the twin cults and repressions of Kemal and the Koran; for the Turkish poor, of chances of employment and elements of welfare; for Kurds and Alevis, of some rights for minorities. How far these hopes are all realistic is another matter†. It is necessary to mark that female participants of the country’s social and political life also demonstrate strong interest towards the issue of the EU entry. Aybar et al (2007) who studied the ordinary Turkey citizens’ expectations about the EU membership argue that the union has been initially perceived by the Turkish women as a trigger of the women’s emancipation process. However, as Tunkrova argues in (2010), despite the legislative reforms, true democratization requires more time and the effort of the domestic actors (4). However, some res earchers share a pessimistic view on the capability of the Turkish society to accept the tendencies of the European new order. Particularly, Kà ¶sebalaban (2001) argues that the Turkish nation’s sympathy for the European values is not able to outweigh the Turkish domestic ideology. On the â€Å"subconscious† level, says Kà ¶sebalaban, a union with Europe is perceived by certain parties as an invasion, an encroachment on Turkey’s independence and identity. However, at the moment, while Turkey has not faced the â€Å"challenge† of EU integration, this should not be equated with the â€Å"conscious level†: the overall attitude of the Turkish nation to the EU membership remains positive. Conclusion A set of factors has predetermined the polarization of the Turkish society between the sense of the national identity and socio-cultural autonomy, and the sympathy for the so-called â€Å"European new order† with its principles of democracy and huma n rights. At all levels, from the political elites to the ordinary citizens, there are proponents and opponents of the Turkey-EU union. Despite the required legislative reforms and social changes progress quite slowly, the overall attitude towards Turkey’s EU membership is positive. It is remarkable that the Turkish people understand that the EU entry will intensify the secularist tendencies in the society and lead to the changes at all levels, from legislation to the everyday life. Despite this fact, the support of the EU membership prospect is strong, which may mean that secularization itself is considered by the Turkey citizens a positive change. Works Cited Anderson, Perry. â€Å"After Kemal†. London Review of Books. 2008. 30 April 2011. https://www.lrb.co.uk/v30/n18/perry-anderson/after-kemal. Arat, Yesim. Rethinking Islam and Liberal Democracy Islamist Women in Turkish Politics. Albany: State University of New York, 2005. Arikan, Harun. Turkey and the EU: an Awkw ard Candidate for EU Membership? Aldershot: Ashgate, 2008. Aybar, C. Bà ¼lent, et al. â€Å"Analysis of Attitudes of Turkish Citizens towards the Effects of EU Membership†. Turkish Studies 8.3 (2007): 329-348. Carkoglu, Ali. â€Å"Who Wants Full Membership? Characteristics of Turkish Public Support for EU Membership.† Turkish Studies 4.1 (2003): 171-94. Kà ¶sebalaban, Hasan. â€Å"Turkey’s EU Membership: A Clash of Security Cultures.† Middle East Policy 9.2 (2002): 130-46. Ãâ€"zyà ¼rek, Esra. Nostalgia for the Modern: State Secularism and Everyday Politics in Turkey. 2006. Duhram, NC: Duke Uinversity Press, 2006. Tunkrova, Lucie. â€Å"The EU Accession Process and Gender Issues: Central Europe and Turkey.† Report for the Fifth Pan-European Conference on EU Politics, Porto, Portugal, 23-26 June 2010. JHUBC. Web. White, Jenny. Islamist Mobilization in Turkey: A Study in Vernacular Politics. Seattle, Wash.: University of Washington Press, 2002. This dissertation on Turkey’s application for the membership in the EU was written and submitted by user Kamren Baxter to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

TASKSHEET Unit 3 Essay

TASKSHEET Unit 3 Essay TASKSHEET Unit 3 Essay UNIT 3 INTRODUCTION TO MARKETING BTEC NATIONAL MANDATORY UNIT Student name: _____________ Teacher: Ms. Lais Assignment start date: 4th September 2014 Assignment Deadline: - INTRODUCTION Marketing is at the heart of every organisation’s activity. Its importance is also growing in the non-commercial, public and voluntary sectors. Also, at the heart of marketing is the customer. This unit will introduce learners to some of the tools and techniques all types of organisations use to achieve their objectives. Firstly, learners will explore how different types of organisations use marketing principles to meet the needs of their customers and achieve their objectives. The constraints under which organisations operate are important and learners will study the legal requirements and voluntary codes that affect marketing. Learners will then go on to investigate how organisations collect data through market research and turn it into useful information which can be analysed and used to plan their marketing activities. The segmentation and targeting of groups of customers is a key marketing technique and this is studied in detail. This includes the different bases for segmentation of both consumer and business markets. Next, learners will examine how a marketing mix is developed to meet the needs and aspirations of a targeted group of prospective customers, before going on to develop a marketing mix for a new product or service. The unit gives a brief overview of the principles of marketing or can be used as a basis for further study of specialist marketing units. You will complete 4 separate assignments to complete this unit. You should attempt to provide evidence of understanding of all the unit content in your coursework. YOU MUST ENSURE EACH SET DEADLINE IS MET. Unit Content On completion of this unit a learner should produce evidence covering all of their learning outcomes. Learning Outcomes: 1 Know the role of marketing in organisations Role: overall concept; marketing definitions Objectives: private sector aims and objectives (survival, growth); public and voluntary sector aims and objectives (service provision, growth of range of provision, cost limitation, meeting quality standards); marketing objectives, eg market leadership, brand awareness, perceptions of customers or users; link between organisational objectives and marketing objectives Techniques: growth strategies (diversification, product development, market penetration or market development, Ansoff’s Matrix); survival strategies; branding (importance in influencing buyer behaviour, brand building, positioning, brand extension); relationship marketing (definition, difference between transactional marketing and relationship marketing, value of lifetime customer) Limitations and constraints: legal (Sale of Goods Act 1979, The Consumer Protection from Unfair Trading Regulations 2008, Consumer Credit Acts 1974 and 2006, Consumer Protection (Distance Selling) Regulations, Data Protection Act 1998); voluntary, eg Code of Advertising Practice and Advertising Standards Authority; pressure groups and consumerism; acceptable language 2 Be able to use marketing research and marketing planning Marketing research: qualitative; quantitative; primary internal/external research; secondary internal/external research; uses (reduce risk in decision making, measure progress over time); limitations (cost effectiveness, validity of data collected) Marketing planning: marketing planning process model (audit with PESTLE (political, economic, social, technological, legal and environmental external factors); SWOT (internal strengths and weaknesses, external opportunities and threats); set SMART (specific, measurable, achievable, resourced, time-bound) objectives; determine strategy and tactics, implement changes; evaluate) 3 Understand how and why customer groups are targeted Identifying customers in consumer markets: difference

Prices and Prizes

Prices and Prizes Prices and Prizes Prices and Prizes By Mark Nichol It may not surprise you that price and prize are cognates, but two other common words pertaining to value, and additional words derived from them, share their common ancestor. Price and prize stem from the Latin noun pretium, meaning â€Å"prize† or â€Å"reward,† or â€Å"value† or â€Å"worth.† Price is both a verb meaning â€Å"set value† and a noun meaning â€Å"value† (including a reference to something challenging or unpleasant that is nevertheless necessary as a condition of achieving a desired result). The adjective pricey means â€Å"expensive,† while priceless means not â€Å"without a price† but â€Å"valued beyond price† and refers to an object or an experience worth so much to a person or people in general because of aesthetic considerations or an emotional attachment that no monetary value can be assigned to it. To overprice is to place excessive value on something for sale, while to be priced out of a commodity is to be unable to afford it. A price tag is a piece of paper or other material attached to a product that indicates its monetary value. Something offered for half-price will be sold for half of its marked value. â€Å"Prix fixe,† adopted directly from French and meaning â€Å"fixed price,† describes a set meal offered by a restaurant at a specific cost, as opposed to multiple dishes available, according to a displayed menu, for various prices. To prize is to ascribe value, and a prize is something given in recognition of an achievement. As an adjective, prize means â€Å"worthy of a prize,† and prizeworthy itself is also an adjective. A prizefight is a professional boxing match, and a participant of such an event is a prizefighter, though these terms have largely been superseded by â€Å"boxing match† and boxer. The Latin forebear pretium was altered to precium, and being aware of this form makes it easier to connect precious, meaning â€Å"of great worth† (and often pertaining to aesthetic or emotional worth, as in ascribing value to time, rather than monetary value), to price and prize. Precious also has the sense of â€Å"esteemed,† in describing a cherished friend, though it also has a pejorative sense of â€Å"affected,† or â€Å"overly refined in manner.† The adjectival form is preciously, and the quality of being precious is preciousness. Praise, too, is derived from pretium by way of precium. That word, meaning â€Å"celebrate† or â€Å"commend,† or as a noun â€Å"commendation† or â€Å"worship† (or, less often, â€Å"merit† or â€Å"value†), is also the root of appraise, meaning â€Å"set a value on,† and the noun form appraisal. A praiseworthy act is one that merits commendation. To appreciate is to esteem or value, or to be conscious of, and an act of doing so is one of appreciation; the adjective appreciable means â€Å"able to be measured or perceived.† Depreciate, by contrast, means â€Å"lower in esteem or value†; in a taxation context, it refers to deducting a portion of the original cost of something as its value decreases with age and use. The verb deprecate, meaning â€Å"belittle,† â€Å"play down,† or â€Å"disapprove of,† is unrelated. (Its root word pertains to prayer; originally, to deprecate was to avert something undesired by praying.) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Addressing A Letter to Two People34 Writing Tips That Will Make You a Better WriterWhen Is a Question Not a Question?

Investment Banking ( calculation and short answer) Essay - 1

Investment Banking ( calculation and short answer) - Essay Example The accretion analysis provides an platform for evaluating control premium of purchasing the acquisition and hence its profitability. Further, accretion analysis is also triggered by the need to evaluate project earnings from for an acquisition. Intuitively, application of accretion analysis helps the acquirer to evaluate the effect of the acquisition on the expected earnings per share and hence the ability of the project to provide favorable earnings. In LBO, assuming the sponsor sells ValueCo at the end of year 5 at an exit multiple equal to its entry multiple, determine enterprise value and equity value at exit given the ending debt balances provided. Based on equity returns and leverage levels, LBO analysis helps in evaluating purchase price. Intuitively, the firm would have to calculate the maximum price that can yield enoughreturns and also cover the debt levels. In which case, the firm in questin will apply LBO analysis to determine a maximum price through the calculation of IRR. Consequently, this ensure that the expected equity returns from the investment is adequate and can cover administrative costs and expenses for the operations. A financial buyer can also use LBO analysis to serve in characterizing the leverage and equity at various prices available for the investment. The financial buyer would consider it suitable to choose a price that would readily yield expected returns on equity for the post-transataction. Further, evaluating the charateristics of the price also allows the buyer to make a decision that would increase the potential returns from the financial leverage of the same. In this case, IRR is an essential tool used in the analysis to depict the charactertisitcs of the various prices. In a case of absence of a strategic buyer for the transaction, LBO analysis proves essential in making LBO firms to be willing buyers. Through determining

What is IMF Essay Example | Topics and Well Written Essays - 1000 words

What is IMF - Essay Example Good governance is a set of principles that have been adopted by both the World Bank and the IMF to guide them and help them to achieve their objectives and goals in their member countries. The current scenario is that these organizations now are in the process of applying similar standards as the, good governance techniques to various other aspects of the institution, such as transparency and accountability. Other facets include fairness, impartiality, efficiency and ownership (Woods 2000). Though IMF itself is a vast topic, I would like to target solely the governance aspect of the organization. Only good and sound governance of an organization can result in the complete and adequate implementation of its policies. According to Beke (2002) the underlying rationale for governance in IMF is to eliminate corruption and to encourage transparency as well as accountability in all economic policies and issues of any given country. Since, 1997 the IMF has introduced methods to look after the resources of the organization so as to prevent laundering of monetary funds. In addition, means are also taken to track all sorts of expenditures specifically those on poverty related issues. Therefore, governance is required in all phases. Be it the way the money is lent or discharged to a country, in the implementation of certain economy related policies, or be it in within the IMF itself. Therefore, I would like to research all three of these aspects of governance in my study. There are practical reasons behind the adoption of the good governance criteria by the IMF. One of the foremost according to Woods (2000) is ownership and participation. The reason behind them is that these two means will increase the efficiency and effectiveness of IMF. It has also been stated that in the past any unpopular or unjust act of a country's government was blamed on IMF. Therefore, these policies also enhance the image of the government by stating that there is no imposition by the IMF upon any country to adopt its policy. Any country that does to take the advice of the IMF and follow its policies and guidelines does so of it's own accord. In the past, the IMF consisted of an enclosed group of policy makers, however, in recent years due to its good governance criteria the organization has opened-up. This induces the concept of transparency. The reason behind this is that when an organization in enclosed (in the form of financial institutions and governments only), transparency is difficult; thus, corruption prevails. In such a scenario bribery takes place and the government can easily deceive its citizens by putting the blame for economic upheaval on an institution such as the IMF. In order to prevent such dire situations from arising it is imperative that good governance policies (especially those that include transparency procedures and processes) are included. Research Methodology The research methodology will such that the background and scope of the paper will be given. The basic scope of this paper is that it will help future policy makers as well as researchers to further their studies. In the practical sense this

Information Technology In Insurance Industry Commerce Essay

Information Technology In Insurance Industry Commerce Essay Insurance in India can be traced back to the Vedas. For instance, yogakshema, the name of Life Insurance Corporation of Indias corporate headquarters, is derived from the Rig Veda. The term suggests that a form of community insurance was prevalent around 1000 BC and practiced by the Aryans. Burial societies of the kind found in ancient Rome were formed in the Buddhist period to help families build houses, protect widows and children. Bombay Mutual Assurance Society, the first Indian life assurance society, was formed in 1870. Other companies like Oriental, Bharat and Empire of India were also set up in the 1870-90s. It was during the swadeshi movement in the early 20th century that insurance witnessed a big boom in India with several more companies being set up. As these companies grew, the government began to exercise control on them. The Insurance Act was passed in 1912, followed by a detailed and amended Insurance Act of 1938 that looked into investments, expenditure and management of these companies funds. By the mid-1950s, there were around 170 insurance companies and 80 provident fund societies in the countrys life insurance scene. However, in the absence of regulatory systems, scams and irregularities were almost a way of life at most of these companies. As a result, the government decided nationalizes the life assurance business in India. The Life Insurance Corporation of India was set up in 1956 to take over around 250 life companies. HISTORY OF INDIAN INSURANCE MARKET Insurance has a long history in India. Life Insurance in its current form was introduced in 1818 when Oriental Life Insurance Company began its operations in India. General Insurance was however a comparatively late entrant in 1850 when Triton Insurance company set up its base in Kolkata. History of Insurance in India can be broadly bifurcated into three eras: a) Pre Nationalisation b) Nationalisation and c) Post Nationalisation. Life Insurance was the first to be nationalized in 1956. Life Insurance Corporation of India was formed by consolidating the operations of various insurance companies. General Insurance followed suit and was nationalized in 1973. General Insurance Corporation of India was set up as the controlling body with New India, United India, National and Oriental as its subsidiaries. The process of opening up the insurance sector was initiated against the background of Economic Reform process which commenced from 1991. For this purpose Malhotra Committee was formed du ring this year who submitted their report in 1994 and Insurance Regulatory Development Act (IRDA) was passed in 1999. Resultantly Indian Insurance was opened for private companies and Private Insurance Company effectively started operations from 2001. PRESENT SCENARIO OF INSURANCE INDUSTRY    India with about 200 million middle class household shows a huge untapped potential for players in the insurance industry. Saturation of markets in many developed economies has made the Indian market even more attractive for global insurance majors. The insurance sector in India has come to a position of very high potential and competitiveness in the market.   Indians, have always seen life insurance as a tax saving device, are now suddenly turning to the private sector that are providing them new products and variety for their choice. Consumers remain the most important centre of the insurance sector. After the entry of the foreign players the industry is seeing a lot of competition and thus improvement of the customer service in the industry. Computerisation of operations and updating of technology has become imperative in the current scenario. Foreign players are bringing in international best practices in service through use of latest technologies The insurance agents still remain the main source through which insurance products are sold. The concept is very well established in the country like India but still the increasing use of other sources is imperative. At present the distribution channels that are available in the market are listed below. Direct selling Corporate agents Group selling Brokers and cooperative societies Banc assurance Customers have tremendous choice from a large variety of products from pure term (risk) insurance to unit-linked investment products. Customers are offered unbundled products with a variety of benefits as riders from which they can choose. More customers are buying products and services based on their true needs and not just traditional money back policies, which is not considered very appropriate for long-term protection and savings. There is lots of saving and investment plans in the market. However, there are still some key new products yet to be introduced e.g. health products.    The rural consumer is now exhibiting an increasing propensity for insurance products. A research conducted exhibited that the rural consumers are willing to dole out anything between Rs.3,500 and Rs.2,900 as premium each year. In the insurance the awareness level for life insurance is the highest in rural India, but the consumers are also aware about motor, accidents and cattle insurance. In a study conducted by MART the results showed that nearly one third said that they had purchased some kind of insurance with the maximum penetration skewed in favor of life insurance. The study also pointed out the private companies have huge task to play in creating awareness and credibility among the rural populace. The perceived benefits of buying a life policy range from security of income bulk return in future, daughters marriage, childrens education and good return on savings, in that order, the study adds. FEATURES OF INSURANCE INDUSTRY Insurance Policy India provides the clients with the details required for the coverage in the policy, date of commencement of the policy and their adopting organizations. It plays a important role in the Indian insurance sector. The Insurance Policy India is regulated by certain acts like the Insurance Act (1938), the Life Insurance Corporation Act(1956), General Insurance Business Nationalization) Act(1972), Insurance Regulatory and Development Authority IRDA) Act(1999). The insurance policy determines the covers against risks, sometime opens investment options with insurance companies setting high returns and also informs about the tax benefits like the LIC in India. There are two types of insurance covers: 1. Life insurance 2. General insurance Life insurance this sector deals with the risks and the accidents affecting the life of the customer. Alongside, this insurance policy also offers tax planning and investment returns. There are various types of life Insurance Policy India: Endowment Policy Whole Life Policy Term Life Policy Money-back Policy Joint Life Policy Group Insurance Policy General Insurance this sector covers almost everything related to property, vehicle, cash, household goods, health and also ones liability towards others. The major segments covered under general Insurance Policy India are: Home Insurance Health Insurance Motor Insurance Travel Insurance NAME OF THE PLAYER MARKET SHARE (%) Name of the Player Market share (%) LIFE INSURANCE CORPORATION OF INDIA 82.3 ICICI PRUDENTIAL 5.63 BIRLA SUN LIFE 2.56 BAJAJ ALLIANZ 2.03 SBI LIFE INSURANCE 1.80 HDFC STANDARD 1.36 TATA AIG 1.29 MAX NEW YARK 0.90 AVIVA 0.79 OM KOTAK MAHINDRA 0.51 ING VYSYA 0.37 MET LIFE 0.21 SWOT ANALYSIS Strength Risk protection is provided by this sector only. Insurance having currently good market. Tax exemption. The variety of products is increasing. Insurance to build close relationship with customers. Good amount of RD into insurance 200 million households waiting for householders insurance Weakness Unable to convenience the people about the products. Insurance companies instability Limited working capital Products or services similar to competitors. Higher tax nets for the middle class Opportunities Technology is improving paperless transaction are available. Busy life, customer need flexible and customizable policies. Like mobile banking mobile insurance could be a hit. New innovations in technology-measuring weather variables. Threats Weather cycles. New substitute product emerging. Increasing expenses and lower profit margins with hard on the smaller agencies and insurance companies. Government regulations on issues like health care terrorism can quickly change the direction on insurance. USE OF INRORMATION TECHNOLOGY IN INSURANCE INDUSTRY The present scenario is such that the products sold with the help of Internet. The technological advancement is such that force the companies to take such steps. Still the full-fledged use of Internet is not done in our country. As suggestion earlier the Internet based life insurance will help the companies to reduce the transaction cost and time. At the time it can improve the quality of service to its customers, which is the mission of the company. Internet can be an effective medium for educating the consumers about insurance. It serves as a single window for disseminating product, process and procedural information to the consumers. Product development and target marketing through the Internet: with increase in the number of insurance companies there will be a need for market segmentation and subsequently product designed for each of them. In such a scenario Internet can be a effective channel for pushing product specific information to a particular market segment. Consumer feedback about a particular product as well as suggestions for different types or covers can also be generated through the Internet 1. E-business insurance in India: The Internet has played a vital role in transforming the business of the 21st century. Computers are now being used extensively for creating a storing data, information with the help of complex and sophisticated technological tools in every kind of business. This change having been widely accepted, the advantages are numerous such as fast processing improved. Efficiency, cost reduction among several other benefits. 2. Maintaining the database:- The most important factor that is affecting the insurance industry is the marinating the database of the customers. The insurance industry having a huge list of the customers. In order to maintain it in manual format it is really the work of stupidity. With the change in time the computers has taken the work of this things. Thus with the development of the technology it has becoming possible to maintain such huge database very easily. A person can switch over to the computer and get the details of the customer very easily. Thus maintaining the database has really become easy due to the development in technology. 3. E-Commerce in the Indian Insurance Industry With the advent of the Internet, online processes are replacing conventional models in our society. The greatest impact in online technology has been achieved by e-commerce. E-commerce is attractive both to buyers and sellers as it reduces search costs for buyers and insventory costs for sellers. In this paper we investigate the impact of e-commerce on the insurance industry in India. The recent growth of Internet infrastructure and introduction of economic reforms in the insurance sector have opened up the monopolistic Indian insurance market to competition from foreign alliances. We study the evolving scenario in the insurance industry in India and identify the features of online insurance that improve the conventional insurance model and thus, makes it more attractive for the Indian insurance industry to go online. TECHNOLOGY TREND IN INSURANCE MARKET Computerization: Initially, in the late 1950s the insurance companies used Unit Record Machines (Electro Magnetic Machines) to process data punched into cards. Computers were introduces in the mid 1960s and by the 1980s the Unit Phased Machines were phased out and the entire process was computerized. This brought about greater efficiency and quick service delivery Internet: Today, the internet has completely changed the service delivery process. Internet is today used to even sell insurance policies. Internet is, in fact, proving to be one of the widely used distribution networks for selling insurance policies. Also internet is used for sending premium notices to policy holders through e-mails Companies like LIC (www.licindia.com), ICICI (www.iciciprudential.com) all have websites from which people can get the information about their products, prices, various schemes, and lots of other information. People can also purchase the product through this website. Electronic Clearance Service (ECS): Almost all the big organizations today provide the ECS facility to its customers. A policy holder having an account in any bank which is a member of the local clearing house can opt for ECS debit to pay premiums. The advantage here is that once the option is exercised, the policy holder need not visit a branch for paying the premium or collecting the receipts. On the day indicated by the policy holder, the premium amount will be directly debited to the bank account of the policyholder and the receipt will be issued by the designated branch office. Call Centres and SMS services: Almost all the insurance companies have their own call centres which cater to the phone based queries of the policyholders. This service is 247 and they have the Interactive Voice Response (IVR) systems at all the branches INFORMATION TECHNOLOGY INTRODUCED IN LIC LIC has been one of the pioneering organizations in India who introduced the leverage of Information Technology in servicing and in their business. Data pertaining to almost 10 crores policies is being held on computers in LIC. We have gone in for relevant and appropriate technology over the years. 1964 saw the introduction of computers in LIC. Unit Record Machines introduced in late 1950s were phased out in 1980s and replaced by Microprocessors based computers in Branch and Divisional Offices for Back Office Computerization. Standardization of Hardware and Software commenced in 1990s. Standard Computer Packages were developed and implemented for Ordinary and Salary Savings Scheme (SSS) Policies. INSURANCE SOFTWARE The online Insurance Management System Software solution is a fully automated and integrated policy processing system for both personal and commercial insurance carriers. It is a scalable, reliable, and cost-effective solution for carrying out all business-critical insurance processing functions Insurance Software Solutions provider for all segments of the insurance community and insurance product management. The web based Insurance Management System Software solution helps to solve long-standing time-to-market challenges. The web based insurance management system expertise and solution can dramatically lessen the cost of policy ownership services. DIFFERENT TYPES OF INSURANCE SOFTWARE Insurance Policy Administration System Insurance policy administration system consists of a mathematical notation that captures the relationship between policies and objects and the entities that manage policies for those objects. The Insurance policy administration system is consisting of a number of policy administration domains. The domains are arranged in a hierarchy, representing descending levels of authority. Claims Management Systems This system ensures claims are processed fast and efficiently. Operator flexibility is the key, and we aim to improver operator productivity while processing claims. Real-time status for quick resubmission and faster reimbursements. Unique claim aging tool shows thousands of claims status in one view. Insurance Claims System uses electronic filing system to primary and secondary payers. Each claim is scrubbed with up-to- date Medicare rules. This Claim Processing System helps in quick resubmission for claim Insurance Agency Management System Insurance Agency Management System facilitates an insurance companys ability to address relationships with its product distribution channels. This system helps in managing current Agencies, can add New Agencies or Delete Current Agencies. Insurance Agency Management System is the solution that delivers to manage and grow your insurance agency to assist day-to-day management of your agency. Agency management utilized for small business, individual or enterprise business Insurance Agent Management System Insurance Agent Management System maintains Multiple Agents from Multiple Agencies, keep the track of their activities from Policy Registration to Claim processing. All their data, their commission, their policies status updates, etc. are taken care by this module. This Insurance system helps in smooth functioning of the Agents working and makes the processes faster and efficient. Policy Management System Policy registration is intended to be a vehicle for the exploration and discussion of policy issues and is aimed in particular at enhancing communication between health policy researchers, legislators, decision-makers, and professionals concerned with developing, implementing, and analyzing health policy. Policy renewals and policy cancellation can be managed by the insurance policy management system User Management System A new user registers by filling in a form on your web-site. If necessary, the new user is first place in a waiting list until you approve the new user. After adding the user, the user can login to the system with his or her username and password to make changes. You can use overviews of users for mailing purposes etc.. User Management System manages all the users of the system i.e. Customer, Administrator or Agents. It keeps the track of thee the activities they performs, their data, their access information, etc. Endorsements Management System Endorsements to a title insurance policy are addenda or attachments to the policy that may correct or modify a previously issued title policy, or alter or modify the provisions of the exceptions, conditions and stipulations of the title policy so that the insured party receives greater coverage than would exist under the terms of the unendorsed title policy. Data import / Export system It handles large amounts of data to import and export it securely. It does processing and management of large and sensitive data compression/decompression and/or encryption/decryption allowing the exchange of data through the network with high performance and stability, exchange of data among Web server(s), business application server(s) and database server(s) and account information including user passwords Policy Registration and Quotations Engine Policy registration is intended to be a vehicle for the exploration and discussion of policy issues and is aimed in particular at enhancing communication between policy researchers, legislators, decision-makers, and professionals concerned with developing, implementing, and analyzing health policy. Policy quotations engine is an on demand quotation management feature coupled with detailed profit optimization and approval management engines. With quotation engine you can automate the sales and services processes that are currently being done using a hybrid of spreadsheets, documents and emails with little to no process control. When you have completed your quotation you can use the engine to seek approvals for non- standard pricing and/or terms and conditions. Discounts and loading management. Insurance Administration Management System Insurance Administration Management system can manage multiple administrators and can have the track of the right assigned to them. It takes care that all the Administrators function with the system as per the rights assigned to them ad they can get their work done in efficient manner. Customizable and strong administration system. Insurance Sales Management can be managed by insurance sales system. Content Management System Module Content Management System is used for managing the capture, storage, security, revision control, retrieval, distribution, preservation and destruction of documents and content. Content Management System especially concerns content imported into or generated from within an organization in the course of its operation, and includes the control of access to this content from outside of the organizations processes. Insurance Document Management System Its important to maintain documents so that you can get to them faster, and easily. Even IT offers document management solutions for easy maintenance of your policies, endorsements, quotes, binders and the like. You can design your templates in common word processing tools, and the document management system will integrate and process these templates to generate and maintain documents. The documents can be retrieved at any time and are indexed in a database for quick searches. Insurance Document Management System is a secure file upload management system with built-in audit tracking, and is a plug-in extension to the Power Central Portal. This System will maintain the generation of the various reports which will be provided to the users as per the requirement. The reports like Modification Report, Policy Management Report, Payments Received Report, Agent commission report, etc. Insurance Accounting and Automation Insurance accounting is quite a complicated task, given the fact that there are so many issues with regulation, taxes, filing, commissions, brokers/underwriters, endorsements etc. We can build applications of insurance accounting systems and insurance billing systems that automate part of this task for you and help build better and more flexible solutions. Workflow solutions Workflow solutions that will ease the task of issuing claims, policies, reimbursements, payments etc. You can enforce hierarchical constraints and automate workflow, thereby ensuring that all your checks and balances are in place. Auditing Insurance is a highly regulated industry, so audit controls are very important. For this purpose, Radix can write audit control solutions customized to your purpose that will help you track and control business issues within your organization Business Intelligence Reporting and charting solutions that will make sense of your data. We can help you analyze your past data for better decision-making and help you make more informed decisions. Online Data Back-up System Online Back-up System is used to have the backed of the data on another server so that in case Original Data get Damage, Lost, etc. then the data is available for work. This system helps in the Real Time Data Backup and maintains the data for the future purpose. It also facilities the data back-up at other Geographical location. The benefit of Online Insurance Management System Online Back-up System is used to have the backed of the data on another server so that in case Original Data get Damage, Lost, etc. then the data is available for work. This system helps in the Real Time Data Backup and maintains the data for the future purpose. It also facilities the data back-up at other Geographical location The benefit of Online Insurance Management System Radix is the right technology choice for the vast majority of insurance-selling organizations on line. We have been closely associated with leading insurance players. Radix is essential for successfully managing and growing your business. Our web based insurance management system can manage your insurance business perfectly. Our solution focus is on the following benefits. Compliance Speed- to-market Cost reduction Web-enablement Consolidation Integration Business process flexibility REFRENCES:- WEB SITES www.licindia.com www.google.co.in/indian insurance industry www.irdaindia.org www.equitymaster.com MAGZINES Life insurance vol 1 ICFAI PRESS 2002 Life insurance vol 2 ICFAI PRESS 2002 Insurance industry Emerging Trends ICFAI PRESS 2002 Insurance law and regulation vol 1ICFAI PRESS 2002 NEWSPAPER Economic times Times of India Business standard BOOKS Life-Insurance , by Mc GILL Insurance Industry by ICFAI Publication Insurance in India

The Star Spangled Banner

English 101 November 21, 2012 The Star Spangled Banner The Star Spangled Banner is a very powerful and moving song that not only defines our country as a free and independent nation, but it also presents us with the struggles we went through to become who we are. The Star Spangled Banner originated as the poem â€Å"Defense of Fort McHenry† in 1814 by Frances Scott Key. The national anthem was not written during the American Revolution, contrary to popular belief. It was, in fact, written in the War of 1812. Although the poem has four unique stanzas, we normally only recognize the first one, and sometimes the second stanza as well.Our anthem, regardless of its patriotic values, is a great example of rich English literature that symbolizes our people even after 200 years. But, in reality, the song has a wide variety of meanings and interpretations deeply embedded in the historical significance it represents. The first line of the song reads, â€Å"O say can you see by the dawn ’s early light? What so proudly we hailed at the twilight’s last gleaming? † Translated in to today’s contemporary language, this means, â€Å"hey there, can you see by morning what was there before the sun set yesterday evening? Frances Scott Key introduces the topic of this song by grabbing the reader’s attention. This first line of the song makes readers wonder what Key is referring to, making them want to read the poem on further. When Key mention’s the â€Å"dawn’s early light† he is referring to an early morning; a new day and a new beginning. The â€Å"twilight’s last gleaming† suggests a very special time of day; right before the sun is setting and there is a tiny streak of light that appears in the sky. These two verses show a lot of symbolism.Once again, we must use the historical context of this poem to make meaning of the lyrics. The War of 1812 was a war fought by the British and Americans. Key was on a British ship when he wrote this poem, negotiating with the officers to release some of the American hostages. He was watching the battle of Fort McHenry in Baltimore. The battle took place in the late evening, when the American flag was still up and flying. In these lines, Key is asking himself, â€Å"Will the flag still be up tomorrow morning? † The twilight’s last gleaming could represent hope.Key still has faith and trust in his country. Even in the midst of a bloodthirsty battle, Key hoped that he would see the American flag the next morning. He hoped he would see a sign of perseverance and strength instead of weak downfall. He wanted his country to reign through the peril it oversaw. If the American flag was still not up by â€Å"the dawn’s early light†, it would signify defeat the British. The second two lines of the Star Spangled Banner places emphasis on the American flag. Today, our flag is commonly referred to as the stars and stripes.Key not iced these two distinct features and decided to define the American flag by â€Å"the stars and stripes†. History has it that there were two flags that were flown over Fort McHenry, one of them being a â€Å"storm flag†. This was the flag that was flown during the rainy day and the â€Å"perilous night† and the flag that was described in the first part of The Star Spangled Banner. This line reflects the determination of the American army. The flag is a key symbol of our nation. Key cleverly used this patriotic symbol to show how persistent our soldiers were; they kept fighting through the sanguine fighting of the night.When Key woke up by morning, a new flag was hoisted up, apart from the storm flag that he saw the previous night. Fort McHenry was proudly flying its much larger â€Å"garrison flag†. This flag measured 30 ft. by 42 ft. , larger than a modern day school bus. Key believed this was the same flag that was flown the previous night, when the Bri tish had attacked. Regardless of whether it was the storm flag or not, the sight of the American flag flying over the fort after a gory battle gave hope and confidence to its citizens.It once again stated the power of America as a powerful independent nation. The flag indirectly told the world to never underestimate the potential of America. The third line of the poem is very awkwardly phrased and positioned, once again reflecting the time period Key wrote the poem. â€Å"O’er the ramparts we watched, were so gallantly streaming† is referring to the previous line. Ramparts are protective walls. In this context, Key is referring to the walls of Fort McHenry. He very cleverly uses the word â€Å"ramparts† to describe the walls.The ramparts were built in 1776 to protect the city of Baltimore in case the British tried to attack through the Chesapeake Bay. After the War of 1812 was brought to attention, a local committee raised over $400,000 to strengthen the walls t o protect the citizens in case of an unexpected British attack. The word rampart suggests that the citizens were able to watch the battle with a sense of security as the soldiers risked their lives for their country. It solidifies the expression of sacrifice. Over the whole scene, Key once again mentions the American flag â€Å"gallantly streaming†.This gives the notion that this concept of sacrifice is very much American. It is an American soldier’s duty to lay his life down for his country. The next few lines start to intensely invoke emotions from the reader: â€Å"And the rocket’s red glare, the bombs bursting in air, gave proof through the night that our flag was still there† During the battle of Fort McHenry, the British had more than 15 battle ships, each armed with heavy artillery and one armed with a rocket launcher. Through the night, as the rockets were fired in to the air, they illuminated the sky with a bloody red glow.That red glow showed th e British where the American flag was so they would know where to aim. But, here comes the notion of good that comes out of evil. While the British threw the bombs in the air to destroy the flag, they ended up illuminating the flag, giving hope to all the patriotic soldiers to keep fighting. The motive of the British was to destroy the American flag, according to the poem by Frances Scott Key. The American flag was the symbol of America. It was the identity of the United States of America, because it represented the journey of America.The alternating 13 red and white stripes showed represented the moments of bloodshed and light in America. The fifty stars represent each of the strong independent states. By placing the stars in the same box, it shows unity among the various states. By destroying the flag, the British are stripping away the identity of the Americans. The final line of the first stanza summarizes the whole message of the song: â€Å"Oh, say that Star – Spangled Banner yet wave? O’er the land of the free and the home of the brave! † This line clearly states that the flag of the United States represents liberty and independence for all.As long as the flag shall wave, it will mark America as â€Å"the land of the free and the home of the brave†. Throughout the song, Key expresses a hero journey; a journey through hell and back in to the light. This is the story of Fort McHenry. The Americans were plunged in to a world of blood and gore. But the outcome of the battle was very significant. The American flag became a physical representation of good over evil. It was the marking of the victory of America, once again. The battle was a memory of the importance of our â€Å"Star- Spangled Banner†.

Unanswered Problems With Help for Research Paper Disclosed

Unanswered Problems With Help for Research Paper Disclosed Vital Pieces of Help for Research Paper Any C programming assignment is thought to be complete only after considering its real implementation. Our key task is to enable you to forget about all of the stress associated with your research assignments. There are various varieties of research papers, and knowing which kind you'll be writing is crucial. Once you have known the basic kinds of research papers, you're now prepared to accept the job of writing your educational projects. A paper written at your request from our site grants you the choice to get all the information and research outcome, which means you won't need to devote time investigating it yourself. Our site is just one of the most appropriate for essay help. Excellent news is you can finish your dissertation paper earlier than all your classmates if you understand how to use specific on-line tools to your benefit. Help for Research Paper: the Ultimate Convenience! Whether you've got to create a paper of one-of-a-kind flawlessness, just purchase an essay here and our writers will provide help. If you wish to make an order, don't leave it until the past several days before you're to submit the paper! Everybody can get assistance with algebra homework, paper writing, research or any other sort of homework. Students who require help writing a research paper nearly all of the times need a customized paper done according to their instructions. Using Help for Research Paper Experienced and atte ntive When you seek the services of an expert essay writer at our service, you obtain an opportunity to cooperate with an individual, who has an unbelievable educational background. The actual folks highly praise our essay help site. When you pay to have a paper written, you place your academic destiny in the hands of somebody else. You require research paper writing help as you truly feel frustrated getting a good deal of tasks every single day. You're doing your best, but the outcomes are sometimes not satisfying. If you think you are prepared to go ahead, simply put in your subject and topic, the amount of the paper you have to have in words or pages, the deadline and the academic level you're studying at. When it is microeconomics assignment help or macroeconomics homework help, it is not going to be problem if you're looking at the most suitable location. Getting the Best Help for Research Paper Since you may see, writing a paper with no help with research paper might be the most challenging thing you will have to face during the many years of your study. Keep in mind this in case you require professional research paper writing help, you could always rely on our experts! Based on how much research paper help you require, we're flexible. Acquiring help with this kind of academic research paper will stop you from getting bad grades. When you send us your order through the homepage, you're automatically requested to provide us with the in depth guidelines on what sort of academic paper should be accomplished, what research should be run, and which requirements ought to be fulfilled. The school or the company where you'll be working for has to supply you with the guidelines about how to submit an application for visa and other needs. Our agency is well-informed about your helplessness whenever you have a task to write something. Such approach enables us to claim our service can supply the ideal excellent research paper help you'll be able to find today on the web. Many times, a distinction between both research types is framed regarding using close-end questions rather than the open-ended ones or using words rather than numbers. What's more, we guarantee your future paper is going to be done in compliance with the greatest academic standards, so be confident that applying for our help, you make the very best alternative. When you have entered the information, you're going to get a free, instant quote. Experience no price and cozy as you supply your initial term papers from our enterprise.

Teaching Writing to Beginning ESL Students

Beginner-level writing classes are challenging to teach because of the students still-limited knowledge of the language. For a beginner-level student, you wouldnt start out with exercises such as, write a paragraph about your family or write three sentences describing your best friend. Before diving into short paragraphs, it is helpful to set up students with concrete tasks. Start With the Nuts and Bolts For many students—especially those who are native to languages that represent letters or words in alphabets vastly different from Englishs 26 letters—knowing that a sentence begins with a capital letter and ends with a period is not necessarily intuitive. Make sure to start off by teaching your student some basics: Begin each sentence with a capital letter.End each sentence with a period and a question with a question mark.Use capital letters  with proper names and  the pronoun I.Each sentence contains a subject, verb and, usually, a complement (such as a prepositional phrase or direct object).Basic sentence structure is: Subject verb complement. Focus on Parts of Speech To teach writing, students must know the basic parts of speech. Review nouns, verbs, adjectives, and adverbs. Ask students to categorize words in these four categories. Taking time to ensure students understand the role of each part of speech in a sentence will pay off. Suggestions to Help With Simple Sentences After students have an understanding of the groundwork, use simple sentence structures to help them begin writing. Sentences may be very repetitive in these exercises, but the use of compound and complex sentences are too advanced for students at this stage in the learning process. Only after students gain confidence through a number of simple exercises will they be able to move on to more complicated tasks, such as joining elements with a conjunction to make a compound subject or verb. Then they will graduate to using short compound sentences and adding short introductory phrases. Simple Exercise Examples Simple Exercise 1: Describing Yourself In this exercise, teach standard phrases on the board, such as: My name is ... I am from ... I live in ... I am married/single. I go to school/work at ... I (like to) play ... I like ... I speak ... Use only simple verbs such as live, go, work, play, speak, and like as well as set phrases with the verb to be. After students feel comfortable with these simple phrases, introduce writing about another person with you, he, she, or they.   Simple Exercise 2: Describing a Person After students have learned basic factual descriptions, move on to describing people. In this case, help students by writing out descriptive vocabulary in categories. For example: Physical Appearance tall/shortbeautiful/good-lookingwell-dressedold/young Physical Attributes eyeshair Personality funnyshyoutgoinghard-workingfriendlylazyrelaxed Then, write out verbs on the board. Ask the students to use words from the categories in conjunction with the verbs to teach students how to formulate simple descriptive sentences. Through this, teach students to use be with adjectives describing physical appearance and personality traits.  Teach them to use have with physical attributes (long hair, big eyes, etc.).  For example: I am ... (hardworking/outgoing/shy/etc.) I have ... (long hair/big eyes) Additional Exercise Ask students to write about one person, using the verbs and vocabulary presented in both exercises. As you check the students work, make sure that they are writing simple sentences and not stringing too many attributes together.  At this point, it is better if students do not use multiple adjectives in a sentence in a row because this requires a good understanding of  adjective order. In this case, simplicity prevents confusion. Simple Exercise 3: Describing an Object Continue working on writing skills by asking students to describe objects. Use the following categories to help students classify words to use in their writing: Shapes roundsquareoval Color redblueyellow Textures smoothsoftrough Materials woodmetalplastic Verbs is made from/offeelsishaslooks likeï » ¿looks Variation: Ask students to write a description of an object without naming the object. Other students should then guess what the object is. For example: This object is round and smooth. It is made of metal. It has many buttons. I use it to listen to music.