Evaluate strategies used in health Essay

Effects of alcohol/drugs with rehab/AA To overcome the effects of alcohol/drugs barrier to communication, there are many types of organisations available. For example, rehab is a place where individual’s will slowly learn to give up drugs and adapt to clean blood in their body. There are classes such as AA classes which help individual’s clean alcohol from their system. Alcohol and drugs can sometimes affect how an individual speaks; therefore, they might need to stop drinking and smoking to make sure they are able to do so. Going to rehab and AA classes will help individuals very well. Rehab for alcoholics and drug addicts is very helpful as it clears the individual’s system of alcohol and drugs and gets them back on track with their lives. If in individual does follow the rehabilitation programme then he/she will see that their life has more financial benefits, family life becomes better and they start seeing a difference within themselves mentally and physically. Rehab is a good strategy to help with overcoming communication issues. If an individual is beginning to notice a change with his/hers communication while drinking, then they will have to enter rehabilitation and clear themselves of the addiction. To improve I would say that sometimes individuals need more moral support, throughout their rehabilitation. Therefore I would suggest the centres allow the addicts to talk to others with the same addiction for better moral support. Language needs/preferences strategy Sometimes language can be a big barrier if an individual is by themselves in certain situations. There are many different types of methods which can be used to overcome the language barrier. Individuals can use a special dictionary which translates the word they need to say from the mother tongue to their new language. There are also recordings available for listening to use when the individual does not clearly understand the new language. Translators are also available to help those who have language as a communication barrier. The language needs/preferences strategy is also good  as it helps those who are willing/wanting to learn a new language with many resources. There are tools and other things available to help overcome the barrier of not knowing a particular language that is needed to be known. I would say that some individuals find it hard to look for specific words in dictionaries and will not understand which word is linked to which meaning. This needs to be improved, so individuals do not get overwhelmed or frustrated. Assertiveness to overcome anger Assertiveness is a type of skill which can be used by those individuals who find that anger is a big barrier to communicating effectively. When people begin to feel stressed, depressed or annoyed, they will tend to let their emotions out immediately. These can involve anger. Anger is a big barrier to communication as it can lead to relationships breaking. To control this some people develop the skill of assertion. This involves controlling the emotions which break relationships and start arguments. It involves a clear mental attitude, wherein the individual will try to discuss the situation and deal with it. Assertion is a very sensible skill to develop if you work in the health and social care sector. It will definitely help deal with any issues that arise from service users or peers. In order to over-come the barrier of anger, developing assertiveness will certainly help. Being assertive will definitely help as it will decrease the amount of anger that an individual will have as a barrier to communication. It is a good skill to adapt to as it will benefit individuals for the future. For some individuals being assertive is a good aspect to maintain, however for an overly aggressive person it will be hard for them to grasp the concept of being assertive. For this reason to improve this strategy I would say to go through a slow pace when beginning to become assertive. Defusing aggression and staying confident Stress occurs a lot in the health and social care sector. Stress can lead to many other types of symptoms and illnesses, such as aggression or a mixture of emotions. Aggression can sometimes come from frustration, with the service provided or any other cause. Individuals must learn to overcome their aggression. Developing a calmer attitude towards any frustrations will  help overcome any type of anger. Aggression might threaten care workers; however it can also cause a withdrawal attitude from the service user towards the care worker. Defusing aggression and staying confident is yet another good strategy as it presents an individual of being very impressive and striking. Defusing anger and showing confidence is a very professional aspect to maintain as it helps in all areas of health and social care work. For example if an individual is being told off for doing something wrong, defusing ones anger and staying confident will get them out of trouble and keep them positive. Defusing anger is not always the best thing to do for some people as it could lead to stress/depression, therefore an improvement could be to sort out any confusion/anger issues before carrying on with any work, ect. Interpreters, translators and signers An interpreter is a person who communicates meaning from one language to another. This includes interpreting between spoken and sign language, such as English and BSL. When an interpreter works with people they immediately become a part of a communication cycle with that person. Translators are individuals who change a recorded material from one language to another. Translating involves communicating between different languages. Interpreters and translators have to grasp the meaning of a message and find a way of expressing it in a different type of language system. This is not very simple even for the professional and best translators. Interpreters can be professional people or even a friend or family member who can translate the sentence/ phrase said into another language. These people are able to explain messages in different circumstances. This is a very good strategy as it benefits others as well as the individual who is translating. Translating is very helpful for those who cannot speak a certain language. In today’s society many individuals use translators to assist them in important activities/meetings. It is a good strategy to use to overcome barriers to communication. It could be improved a lot. For example some translators do not always know the several meanings which come with certain words. Some translators need to be certified just to ensure the individual needing help that, they are really translators and they know how to professionally translate majority of words. Hearing aids Hearing aids are electronic devices with very small microphones that pick up and increase the volume of sound received by a person. Hearing aids will often make sounds in the background much louder and clearer to hear. Due to this wearing a hearing aid will not be that helpful as you might not be able to hear anything else a part from the background noise. Hearing aids are very helpful to those unfortunate individuals who are not able to clearly/not at all hear any noises or sounds. Hearing aids amplify the sounds for individuals, which need to be heard the most. However some hearing aids do not always work to their best of ability. For this reason, the sounds/ noises which need to be heard the most importantly cannot be heard due to technical issues which come with the hearing aid itself. Voice activated software Voice activated software is a simple type of software which simply uses an individual’s voice to activate or perform a task or instruction given to a computer. This software comes in many different types such as the speech recognition software which allows individuals to say their message and then it be typed out on their computer/phone. Voice activated software is also a good software as it helps individuals who are not able to physically type or have disabilities speak for them. Voice activated software is really good as it very much benefits individuals who are less able to perform the simplest tasks, such as typing. To improve some of the softwares cannot always pick up the voices as clearly, therefore the software should be able to pick up voices clearly without any vocal strain. For example speaking louder.

Bahamas Electricity Corporation

The Bahamas Electricity Corporation (BEC) is a government owned corporation. The corporation supplies electricity in the Bahamas except for the Grand Bahama and Inagua where their supply of electricity is outsourced. (www. fortune. com, 2005). The current minister in charge of its operation is the Minister of Public Works and Utilities, Phenton Newmour. Its current general manger is Kevin Basden. The Corporation was founded in the year 1956 through the Commonwealth of the Bahamas and Electricity Act. In the year 1994, there have been several issues in the Bahamas Electricity Corporation regarding the corruption of the employees.There are also issues regarding the fulfillment of the agreements that the corporation had promised to its union members. The following problems would be discussed in the next few paragraphs II. Corruption inside BEC In the year 2004, it had been stressed in an article written by Candia Dames that Corruption had struck in the BEC. Loss of about $100 million ov er the last five years had been estimated. According to Dames (2004),these losses was due to the business persons and BEC employees conspiracy that involves the practice of meter tampering. In the year 2003, the new figures reveal that the company had lost a total of $ 18.54 Million in non-technical losses. New Providence accounted for 79. 82% or $ 14. 79 Million in losses and 20. 19% or 3. 75 Million Dollars. Possible consequences that could happen because of these assumed conspiracy is that the reputation of the company could be torn to shreds and as such, the people’s trust would definitely decrease. It had been further explained that the company had used several countermeasures to avoid further losses. According to Ms. Dames, the company would be putting a new electricity consumption meters which is read automatically.The meters would be put into place and a precautionary had also been added as a feature of the meters which can be read automatically. Another reason why th is particular device had been chosen is because the company would want to avoid the BEC workers to under read the meter which had been a cause of the losses that the company had incurred. III. Union Destabilization According to the article, the BEC needed to fulfill its side of the contract in Bahamas Electrical Workers Union. At the end of 2003, the union members in BEC had made several demands to the company.Among the issues that they wanted to be resolved are wage increases and improved pension funds. Current contribution that the company makes amount to 13%of each workers’ salary to the pension fund. However, an actuarial report had been shown about the pension fund. It shows that the company is not putting enough money for the pension funds of the employees. Based on the report, the underfunded amount is around $22 million. The solution that the company had thought of is to makeup for the shortfalls of the company by increasing contributions to 16. 6%.Computing the total annual increase, the 16. 6% shows an annual increase of $4. 5 million to $5. 7 million. Even though the company had already established this, the union had still demanded for an increase of 26. 2% which means that the annual contribution must be $7. 6 million. The company had declared that they are not capable of paying a very large amount of 26. 2%. The article reveals that a merit system for the workers is being pushed to an agreement. The merit system works to reward the employees beginning in the third year of the contract.The salary increases between 3 to 8% based on the job performance. IV. Conclusion V. Points to Ponder To analyze the case it is important to have points to think about in order to have a deep analysis of the case. First question about the case is about the solution that the company had thought of in order to reduce losses. â€Å"Is the solution of changing meters a good solution? †. Another question that could be addressed is that â€Å"Since the prob lem in the company had rooted from unethical practice, shouldn’t the solution involve ethical training of the employees? †.Third question for the case is that â€Å"Was the company transparent about the fact that they were not able to pay for the pension fund? †. The transparency of the company must be shown in this case because if this is established, it can be concluded that the company is open to its financial situation. Being open about the status of the company is being honest to the employees. Lastly, there had been several comments on the reward system that must be established. The question for case analysis is â€Å"Shouldn’t there be an evaluation system for the employees in a frequent basis such as quarterly, monthly?† Most companies use the performance evaluation as a means to increase the salary of the employee and at the same time to determine whether the employee deserves to be promoted or trained to improve his or her performances. RE FERENCES: Dames, C. 2004. Corruption Rocks BEC. Retrieved last March 20, 2008 from Geocities. Website: http://www. geocities. com/bzephyr2002/BECC. html Fortune. 2005. Bahamas Electric Corporation. Retrieved last March 19, 2008 from Fortune. Website: http://www. timeinc. net/fortune/services/sections/fortune/intl/media/2005_11caribbean. pdf

Companies Research Essay Example | Topics and Well Written Essays - 2000 words

Companies Research - Essay Example Total Asset Turnover has been on the high for Kroger and Wall-Mart with 3.487 and 2.335 respectively. Eaton has failed to maintain a high ratio; its turnover ratio stands at 0.795. Eaton Corporation has struggled in this regard as well, which is evident by its last position in the industry with respect to earnings produced with each dollar spent on an asset. Total Debt to equity ratio has been high for all four organizations but Kroger Co. crosses all boundaries with a ratio of 141.81:1. Wall-Mart stands second with 81.39, and Eaton is third with a ratio of 46. Chevron is a relatively low leveraged firm, which is indicated by the minimal interest payments it has to make. Chevron, being the most profitable company, leads the chart in terms of times interest earned with a ratio multiple of 381. For the current year, Chevron had interest payments of only $50,000. Wall-Mart is the second company to make substantially high returns out of the debt it takes with a multiple of 8.43. Kroger C o. is not surprisingly at the bottom of the chart with only 3.49. Return on Sales/Net profit margin has been impressive for Chevron with 9.55%. Eaton Co. also practices a higher return on the sale with 6.77%. The Kroger Co. again is at the bottom of the chart with 1.38% return on Sales. Return on Assets is the earnings made with each dollar spent on an asset. With the highest net income Chevron Co. again tops the list with a return of 10.94%. Wall-Mart takes the second spot with 8.91% and Eaton Co. being the last of the four with 5.46%. Moreover, the return earned on every dollar of equity is the highest for Wall-Mart. This means that Wall-Mart provides the highest return to a shareholder, which is the objective of a corporation. Kroger Co. takes the second spot with 22.87%. In addition to it, Chevron has an equity centric structure hence it takes the third spot out of the four with 21.33% while Eaton creates the lowest return for their shareholders with a return of 15.9% rests at t he bottom. By comparing P/E ratio, one can analyze the market’s stock evaluation for a company. P/E is directly proportional to forecasted earnings hence a rise in P/E is a resultant of increased expectation for earnings (Besley and Brigham, 2000). The Kroger Co. tops the list with a P/E multiple of 12.64. It could be inferred that investors expect higher returns in the future for Kroger Co. Eaton Corporation follows with 12.17 and Chevron being the last with 8.53. Lastly, Market to Book Value ratio is used to compare company’s market worth to its book value. It gives an idea of whether an investor is paying adequate money for his investment or more (Levinson 2006). It is calculated by the company’s market capitalization divided by the value in company’s books. Wall-Mart tops the list with 2.76, followed by Kroger Co. with 2.69 and Chevron taking the last position. 1. Chevron is an oil and gas manufacturing and exploration company, Eaton Co. is a transpor t/truck manufacturer, whereas Kroger Co. and Wall-Mart are in the retail industry. I would rank Chevron as the leader of the

Statistics in Business Decision Making Term Paper

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Contemporary thinking in Marketing Essay Example | Topics and Well Written Essays - 1500 words

Contemporary thinking in Marketing - Essay Example These experiences indicate the physical, emotional, behavioral and rational value of goods and services. In other words, experiential marketing theory can be defined as any event, which helps in marketing products and/or services, ideas, places and person among others by forming effective communication with the targeted customers or audiences (Sharma, & Sharma, 2011). The experiential marketing theory is often viewed to be a contemporary marketing discipline, which practice by several companies of this modern day context for generating greater awareness about their respective potential products and/or services (Heng, 1990; Wood, n.d.). Amongst varied business corporations operating in dissimilar industry, the organizations belonging to events sector are also identified to use promotion or experiential marketing theory. Such organizations operating in events sector of the UK market can be ascertained as "Jarvis Woodhouse Events" and "Definitive Events Limited.   With this concern, the essay tends to discuss and analyze the application of either promotion or experiential strategy by the above discussed two event organizations for targeting their profiled customers. Moreover, the essay will also describe consumer value through the execution of marketing theory and also the value types that are being offered to the customers by the products and/or services of the above stated event organizations. Jarvis Woodhouse Events, an UK based events management company, remains much committed towards serving clients with quality services and forming effective communication with them. The company was mainly established in the year 1992, which continued its business journey by offering the products and/or services like conferences, corporate hospitality and incentive programs among others to its potential customers (Jarvis Woodhouse Events, 2014). It

ETMA 01 Essay Example | Topics and Well Written Essays - 1000 words

ETMA 01 - Essay Example The type of conviction for breaking these rules is called a summary conviction (Sunbeds Regulation Act section 2 (6)(7), 2010). It is possible that the person can make a defense against a person in their employ that breaks this law if they can show that they made a reasonable effort to prevent this law from being broken. Question #2 A tanning bed is exempt from the regulations in section 2 if it is used for medical treatment. There are some specific guidelines that apply to this regulation. The tanning bed must be dedicated for use in medical treatment. It can not be used for rental for cosmetic purposes part of the time and used for medical purposes for the remainder. Another stipulation requires the actual tanning bed to be located in a registered medical facility. Depending on whether it is in England or Wales, the medical facility must meet certain standards. It may be a clinic or a hospital. Either way, the statute is very clear in showing that tanning beds that are going to be used for medical treatment must not be used for any other purpose and they must be located in a hospital or clinic (Sunbeds Regulation Act section 3). This exemption has some very real consequences for tanning parlors. For example, a 16 year-old person might receive medical treatment in accordance with Section 3 of the Sunbeds Regulation Act. Let’s say they were at a clinic. They enjoyed the experience so much that they wanted to visit a commercial establishment in their neighborhood. The owner of the shop might simply ask this under-age patron if they had used a tanning bed before. The patron may honestly answer in the affirmative, but the shop owner would actually be breaking the law. This shows the need for all tanning salon patrons to show proper identification to avoid breaking the law. Question #3 The location of the tanning beds and the age of the customer or potential customer are the major factors that determine if Shula broke any laws or not. Shula is not in any tro uble for providing services to Nikki. She is 18 years old and the statute is aimed at protecting individuals under the age of 18. Nikki’s age makes Shula’s actions well within the law. Her actions relating to Mandy are not against the law, either. The statute concerning tanning beds does not apply to use within a private residence. It clearly states in Section 2, subsection (2b) that these rules only apply to non-residential uses of tanning beds. Even though Shula lives above the tanning salon, the second floor is her private premises. She can allow the 16 year-old Mandy to use this tanning bed because she is a friend of Mandy’s mother. Shula will be in trouble, however, for the actions of her assistant David. Grant, who was attending the salon with his sister, is under 18. The statute says that no offer can be made by or on behalf of the owner/manager of the establishment that entices underage individuals to use the tanning salon. This means that Shula could be responsible for David’s actions. Shula could possibly offer the defense that she had trained David to avoid this situation by requiring identification before offering any offers for tanning. If Shula could show that she had given due diligence through training, then she will not be held accountable. Tina does not need to worry about her use of a tanning bed. She is exempt because the

Intellectual Property Assignment Example | Topics and Well Written Essays - 500 words

Intellectual Property - Assignment Example 2. Intellectual property may include inventions, creative efforts of individuals, original works by authors or trade secrets etc. that will provide future economic benefits to the business. How we protect intellectual property depends on the type of property we deal with and the industry we’re operating in. This usually involves obtaining patents, trademarks and copyrights for the intellectual property we own. The holder of a patent can protect his product by preventing other companies to use, or take advantage, in any way, of their invention up to certain future date depending on the type of invention. The key question that arises here is does the business own the inventions or does the creative work is the result of efforts of the individuals hired by the company? Similarly copyright offers the authors and creators the protection of their original intellectual work (such as literature, art, music, photographs, video recordings, software etc.). The copyright symbol informs ot hers that the author is intending to exercise control over the production and redistribution of the work. Likewise a â€Å"trademark† offers businesses the opportunity to sell their product to the consumers under their unique name. As such it avoids confusion and deceiving. In such employment agreements, the employer restricts the employee from quitting the company and joining another competitive firm or setting up his/her own competitive business. Such employment agreements are usually enforceable only if they apply restrictions within a specific area and for a definite future time period. In some states non-compete agreements are enforceable only if they are supported by the adequate consideration for the employee otherwise they are considered as agreements in restraint on trade and hence void. The advantage of non-competitive clause is obvious that it

Contract Law Essay Example | Topics and Well Written Essays - 2500 words - 2

Contract Law - Essay Example contract law have included several clauses so that any specific situation will be easily fitted in to the case and solution will be provided by the judges after going through all the deliberations. In the present case study, it is clearly apparent that seller (The individual or organization who sells the goods to buyer) has violated the contract law provisions. The contract law states that once the agreement was made, the terms and conditions should be accurately followed with minor exceptions only with sufficient justification. Hence the buyer (on behalf of Buyer Ltd. : Tom) should file a case in the court of law to get the justice. The violation of contract law was clearly committed by the seller (on behalf of Seller Ltd. : Max) with ill intention of charging extra money of  £2800. The case can be filed against the seller as it violated both English contract law and unfair contract terms act (1977). This has been found to be in violation with the principles of European contract law (Ole Lando et al., 2003 ; The commission on European conract law, 1999) . False representation or misrepresentation may be considered as serious offence as it affects the interests of the general public involved in trade transactions severely. The seller has been indulged in false representation in claiming his bill amount for the hydraulic jack system. The English contract law also clearly prohibits the actions relating to the breach of contract (Samuel Williston, 1903). It was also found to be against the fair trading and hence comes under unfair contract terms act (1977) 1. This helps in narrowing the gap between the classic theory of contract law and social reality and hence found to be effective in providing justice to the innocent clients (Hugh Beal, 1978 ; Friedmann, 1972). The violation of terms and conditions signed at the time of contract is legally punishable and hence the parties have to bind themselves to the contract strictly 2. The buyer has to proceed to the court

Middle East Women Studying Abroad presents a potential Solution to Racism Essay Example for Free

Middle East Women Studying Abroad presents a potential Solution to Racism Essay Middle East Women Studying Abroad presents a potential Solution to RacismIntroductionMiddle East is one of the regions that are known to steer racism, gender inequality, and religious prejudice with low concerted efforts to minimize the occurrences. This has been a problem to both the domestic populations and foreign populations living in the region. The racism exists in both lower social and higher social class and across different races. Citizens and political leaders play a major part in propagating racial prejudice across different races and particularly on women (Shalhoub-Kevorkian, 2004). Leaders use their selfish motives to gain power and in the end steer prejudice within societies (Price, 2003).   Citizens have always trusted their leader and tend to follow their ill promises ending up in hatred and sometimes mistreatment and brutality to other races. Traditional methods by leaders to solve conflict in Middle East have led to inconclusive outcome and attitudes colored by strong emotions on populations (Saaty, Zoffer, 2012). Arabs and Islamic quest for a conspiracy theory, explain the lack of development and rise of dictatorial regimes in the Middle East. This is evidence by the lack of western hallmarks for society development thus faulting Arabs themselves. This is a representation of intellectual and cultural affliction independent of any external forces (Ismael, Measor, 2003). Middle East education system, religious platforms and leaders have shown no interest in ending the problem. The large group of victims of racial prejudice is females and children who experiences discriminations and denial to other basic human rights (Ruby, 2013). They are much hurt in cases of violence and are subjected to inhumane acts such as rape and murder. This shows there is need to find a solution to the problem and empower women through advocating their rights. The major contributor of racism has been linked by the high levels of illiteracy in the country (Golding, 2009). This hinders populations from knowing their rights and hence hard for them to fight and demand their rights through successive and peaceful negotiation forum with leaders and other stakeholders. People knowing their rights through education and other enlightening plat forms would achieve a solution to racism. Few women who have benefited from getting education abroad have been so vocal about bringing solution to racism in Middle East but their numbers and unsupportive illiterate women let them down. Illiteracy is one of the major sustenance of racism in Middle East (Golding, 2009). Thus, the problem ends propagating itself to worse levels. If such women could increase in number in the region, a solution to the eating racism problem would be found. This study will be very important to leader and especial women in leadership and those studying abroad. Through the study, they will realize their role in curbing prejudice through informed knowledge on human rights (Gordon, 2012). The government and leader will be important audience so that they can advocate for foreign education and put policies in place that would encourage women to study abroad. Education significance                      The solution of racism has always been linked to men and political leader in Middle East. However, they have continuously failed in addressing the matter comprehensively and bringing a long lasting solution. Few enlightened women who by luck had a chance to go and study abroad seem to understand their rights and the need of a lasting solution in Middle East. Studying abroad equip women with necessary human rights knowledge necessary to address the Middle East problem (Gordon, 2012). The research that have been done tend to address solution based on traditional methods such as diplomacy and face-to-face and leaders intervention (Saaty, Zoffer, 2012). The resolution forums never advocates for the rights of citizens but only advocated for need of reconciliation and unity. This research will be a revelation to leaders, women and government in bringing a solution to Middle East racism. Western countries seem also to have firm human rights activist who w omen studying abroad can emulate. This will help them understand their human rights will then they can transfer to the wide population (Steinberg, 2012; Ruby, 2013). A higher number of men have studied abroad from Middle East but they have done very little on the issue. Thus, this study will be very significant to all its audience in empowering women to study abroad thus awareness of human rights and solution to Middle East bringing a new dawn to the populations. Literature Review                      Racism is one of the major problems in Middle East that causes conflicts and brutality within populations. Middle East has Arabs and Muslim religious and ethnic group. In this region, non-Arabs and non-Muslims people are faced with rejection and disapproval (Fluehr-Lobban, 2005). The region also has more 20 diverse ethnic groups. The discussion on the religious and ethnic groups in the area is a taboo in the society. The components that may help to discuss potential solution to racism by women include: According to Saaty, and Zoffer, (2012) dispute resolution in middle East has been on the routine cause where leaders (males), use traditional approaches such as face to face to engager to conflicting party. These means have not been fruitful at all and so, leadership should adopt more practical dispute resolutions approaches in Middle East, which focus on the rights of the people in their social, humanitarian, economic, geographic, and historical worth. This way will help minimize conflicts and racism. Skilled people who are aware of their rights would tend to concentrate on nation building rather than their differences. Medovoi, (2012) argues that religion has been of the group that has exemplified on racism dynamics. The author regards religion as one of the group that has supplemented the racial dynamics. From the perspective that most religions groups are headed my men, it is an obvious conclusion that men and other readers have failed to use their potential leadership and influential position to bring solution to the problem of racism in Middle East. This calls for a change in the ways of thinking and culture of Middle East to trust male dominated leadership in Middle East. Steinberg, (2012) view the cause of racism and other violence against human rights to originate from political selfish welfare. He refers the persistence conflicts between Arabs and Israel as a form of political involvement. The leadership rather than solving the problem on their citizens and populations have continued to instigate hatred among the citizens. It is worth noting that male characters dominate the leadership here. Therefore, the failure to resolve conflicts and racism issues heavily fall on them. Semati, (2010) argues that Islamic domination in the region is one of the key factors that have led to slow resolution of the problems differential racism in Middle East. He argues that Islamophobia is an ideological response, which conflates politics, societies, histories and cultures of the Middle East to a negative and unified attitude on Islam. This has led to incompatibility with other races thus propagating the racial prejudice. This can also be attributed to the failure of male leadership in Islamic religion. References Baker, J. (2013). Just Kids? Peer Racism in a Predominantly White City. Refuge, 29(1), 75-85. Chronology. (2011). Middle East Journal, 65(1), 103-131. Fluehr-Lobban, C. (2006). Why Muslims Rebel: Repression and Resistance in the Islamic World. Arab Studies Quarterly, 28(2), 72-74. Golding, A. S. (2009).  Multiculturism, America, and the Middle East. Bloomington, IN: Authorhouse. Hasso, F. S. (2005). Problems and Promise in Middle East and North Africa Gender Research. Feminist Studies, 31(3), 653-678. Ismael, T. Y., Measor, J. (2003). Racism and the North American Media Following 11 September: The Canadian Setting. Arab Studies Quarterly, 25(1/2), 101-136. Medovoi, L. (2012). Dogma-Line Racism. Social Text, 30(2_111), 43-74. Price, R. (2003).  Fast facts on the Middle East conflict. Eugene: Harvest House Pub Rodenborg, N. A. (2013). Aversive Racism and Intergroup Contact Theories: Cultural Competence in a Segregated World. Journal of Social Work Education, 49(4), 564-579. Semati, M. (2010). Islamophobia, Culture and Race in the Age of Empire. Cultural Studies, 24(2), 256-275. Shalhoub-Kevorkian, N. (2004). Racism, Militarisation and Policing: Police Reactions to Violence against Palestinian Women in Israel. Social Identities, 10(2), 171-193. Treacher, A. (2007). Circulating Emotions, Beliefs and Fantasies: The Middle East and the West. Psychodynamic Practice, 13(4), 345-360. Gordon, J. (2012). Human Right Education?. Journal of Law, Medicine Ethics, 41(4), 754-767. Ruby, T. (2013). The Question 0f Muslim Womens Rights And The Ontario Shariah Tribunals. Frontiers: A Journal of Women Studies, 34(2), 134-154. Steinberg, G. M. (2012). From Durban to the Goldstone Report: The Centrality Of Human Rights Ngos In The Political Dimension Of The Arab–Israeli Conflict. Israel Affairs, 18(3), 372-388 Steinberg, G. M. (2012). International Ngos, the Arab Upheaval, and Human Rights: Examining NGO Resource Allocation. Journal of International Human Rights, 11(1), 124-149. Boothe, I., Smithey, L. A. (2007). Privilege, Empowerment, and Nonviolent Intervention. Peace Change, 32(1), 39-61. Cakir, S., Yerin Guneri, O. (2011). Exploring the Factors Contributing To Empowerment of Turkish Migrant Women in the UK. International Journal of Psychology, 46(3), 223-233. Kim, L. M. (2001). I Was [So] Busy Fighting Racism That I Didnt Even Know I Was Being Oppressed As A Woman!: Challenges, Changes, and Empowerment In Teaching About Women Of Color. Nwsa Journal, 13(2), 98. Reardon, K. M. (1998). Combating Racism through Planning Education: Lessons from the East St. Louis Action Research Project. Planning Practice Research, 13(4), 421-432.Rubin, J. (2008). From Patriarchy to Empowerment. Womens Participation, Movements, and Rights in The Middle East, North Africa, And South Asia. Middle East Quarterly, 15(3), 84-85. Salime, Z. (2010). Securing The Market, Pacifying Civil Society, Empowering Women: The Middle East Partnership Initiative Securing the Market, Pacifying Civil Society, Empowering Women: The Middle East Partnership Initiative. Sociological Forum, 25(4), 725-745. Zuhur, S. (2003). Women and Empowerment in the Arab World. Arab Studies Quarterly, 25(4), 17-38. Burtonwood, N. (1990). Inset and Education for Multicultural Society: A Review Of The Literature. British Educational Research Journal, 16(4), 321.Osler, A. (2002). Education For Citizenship: Mainstreaming The Fight Against Racism?. European Journal of Education, 37(2), 143.Pettijohn Ii, T. S. (2008). Reducing Racism, Sexism, and Homophobia in College Students By Completing A Psychology Of Prejudice Course. College Student Journal, 42(2), 459-468. Short, G. (1996). Anti-Racist Education, Multiculturalism, and the New Racism. Educational Review, 48(1), 65. Source document

It Is a Constant Image of Your Face Essay Example for Free

It Is a Constant Image of Your Face Essay Dennis Vincent Brutus was a South African activist, educator, journalist and poet best known for his campaign to have apartheid South Africa banned from the Olympic Games. He lived between 28th November 1924 and 26th December 2009. He was born in Rhodesia (now Zimbabwe) and had ancestry of mixed French, Italian and South African. His activist life likens him to a crusader for his country. A knight on duty for a mistress; and this has so often appeared in his poetry. He loved South Africa deeply and did everything to win its freedom. In this poem, â€Å"It Is the Constant Image of Your Face†, he closes the first stanza by saying â€Å"my land takes precedence of all my loves†. This was his passion. While he was in prison, news broke that South Africa had been banned from the 1964 Tokyo Olympics as he had campaigned for. First Thoughts on the Poem In this poem, the poet experiences a deep feeling of guilt and remorse. The poet has framed an image of his beloved whose face is constantly before him, while he is engrossed in a world of his own; a world in which thoughts are like knives, hurling accusations at him. These accusations cut deeply into the poet’s consciousness and remind him of his treachery to his native country. Apparently, the poet has left his native home, having been captivated by the beauty and assurances of his beloved. However, deep in his heart he knows that no other love can lay claim to his loyalty but his homeland which is above all other loves. Feelings of remorse and guilt plague the thoughts of the poet. To him, leaving his country is like an act of treason and treachery. Although he prizes his beloved, he pleads for forgiveness from his country whose tenderness matches or surpasses that of the beloved. Second Thoughts on the Poem This poem is a typical Dennis Brutus poem. As is characteristic, he compares his love for South Africa, to the love he has for some other person. Maybe, a woman! He opens the poem by saying ‘the constant image’ (line 1) of his woman’s face and the ‘grave attention’ (line 3) of her eyes which survey him amid his ‘world of knives’ (line 4), accuse him perennially. This is all coming to him as a memory because in line 2, he makes the allusion to a period gone when his love was knelt before him with the frame of her face in his hands. His ‘world of knives’ can mean so many things at once. It could mean that Brutus was surrounded by apartheid South Africa with its numerous brutalities. It could also mean that he was conflicted inside him, in a way that struck him like many knives piercing at once. Again, he could be talking about the conflict between his two loves as the poem tells us as we read on. And we are yet to know what she accuses him for, but Brutus doesn’t make us wonder long. She accuses him of heart’s-treachery (line 6). No, not even accuses but convicts! He has accepted that he has been treacherous to his woman, going on to probably share his love with another. But he does not apologise for it. He tells her that none of the two of them can ‘plead excuses’ (line 7) for his seeming infidelity because apparently, he cannot stop his love for his land and she can also ‘claim no loyalty’ (line 8). I want to risk saying that he is saying that he’s not bound to be loyal to her because ‘my land takes precedence of all my loves’ (line 9). He loves his land more than all his other loves. His land is his woman’s rival. The second stanza is an attempt to pacify the heart of his woman who has been brought to the saddening realisation that she cannot have her lover all to herself. He begs mitigation (line 10), meaning that he admits that he has done wrong but is ready to give reasons for it. He calls her lover an ‘accomplice of my heart’ (line 11). That is like saying that she is equally guilty of his betrayal of his greater love. The woman is so beautiful that she has blackmailed him with her beauty (line 12) and made him a backslidden lover when it comes to his land. He has given his heart to another one outside his precedent love. In fact, her love for him has been so sweet and protective that he finds no shame in confessing his denial of his country. He calls it a ‘still-fresh treason’ (line 15). But in this confused place, a world of knives, he pleads, hopes (line 16) that his dearest love (line 16), South Africa, will pardon him freely (line 17) and not blame his woman. He ends by revealing more of his confusion, saying that South Africa, his first love, is his woman’s ‘mistress (or your match)’ (line 18), not knowing which to say is more tender. He loves one, he loves the other. One was able to conspire with his heart and steal his affection from the other, and now he does not even know whether the two are matched or one is dearer to his heart. The greater emotion here is Brutus’ guilt of diluting the apartheid struggle with other cares. His love of his land is shown here overwhelmingly. This poem is another beauty that has added a little more tonnage to my love for this most romantic of poets coming from Africa.

Investment Decisions In Different Insurance Policies

Investment Decisions In Different Insurance Policies There are three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk. Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments. Moderate investors often invest in cash and bonds, and may dabble in the stock market. Moderate investing may be low or moderate risks. Moderate investors often also invest in real estate, providing that it is low risk real estate. Aggressive investor is an investor who is willing to accept a higher degree of investment risk in exchange for a chance to earn a higher rate of return. Investment risk is the volatility of investment returns. A basic investing principle states that a higher degree of investment risk is required to earn a potential higher rate of return. What is insurance Meaning of Insurance Insurance provides financial protection against a loss arising out of happening of an uncertain event. A person can avail this protection by paying premium to an insurance company. A pool is created through contributions made by persons seeking to protect themselves from common risk. Premium is collected by insurance companies which also act as trustee to the pool. Any loss to the insured in case of happening of an uncertain event is paid out of this pool. Insurance works on the basic principle of risk-sharing. A great advantage of insurance is that it spreads the risk of a few people over a large group of people exposed to risk of similar type. Definition Insurance is a contract between two parties whereby one party agrees to undertake the risk of another in exchange for consideration known as premium and promises to pay a fixed sum of money to the other party on happening of an uncertain event (death) or after the expiry of a certain period in case of life insurance or to indemnify the other party on happening of an uncertain event in case of general insurance. The party bearing the risk is known as the insurer or assurer and the party whose risk is covered is known as the insured or assured. Definition A promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. Some forms of insurance are required by law, while others are optional. Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer. In exchange for payments from the insured (called premiums), the insurer agrees to pay the policy holder a sum of money upon the occurrence of a specific event. In most cases, the policy holder pays part of the loss (called the deductible), and the insurer pays the rest. Examples include car insurance, health insurance, disability insurance, life insurance, and business insurance. Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed and known small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Cultural factor; Culture is fundamental determinant of a persons needs and behavior. People acquire a set of value, perception and behaviors through his or her family and other institution. Indian people want achievement and success, comfortable efficiency and practicality, freedom and youthfulness. In other word there are multicultural environment in India. Indian loves their family and they want to secure their family from unnatural event. Indian give first preference to his family after than others. They do not want to take loan and they want to invest their money in long-term investment for child education and marriage. When we say about metropolitan city, dependency on old age on son is decreasing. People want to accumulate some fund for old age so ICICI Prudential should concentrate on gratuity or pension plan. Indian people also affected from sub culture. Urban people want to take more insurance comparison than rural (due to high per capita income, insurance awareness, social security, investment purpose, tax saving purpose). Religion also effect on insurance. ICICI Prudential is using this thing very well. They use sinduor and marriage in their advertisement and show that when you marriage from someone, her all liabilities is your liabilities and we will help you in this situation. We will make relation as like as sindur (here means long term stable relationship). In other word ICICI Prudential want to say that we will cover you at every step in life (sorrow or happiness). Consumer behavior is also affected from reference group. Firstly, people see that which insurance is bestseller after that they purchase. They also influence from agent. People do not concentrate on their need due to agents influence. Social class also affect on consumer behavior. Lower class does not want insurance. Up per lower class wants insurance for saving purpose. Working and middle class want insurance for protection and saving purpose and lastly, upper class want to purchase insurance for investment tax benefit and saving purpose. Social factor; Consumers are also influenced by social factor for example; reference group, family, and social role and status. Consumer behavior is firstly influenced from membership group such as family, neighbor and co-worker. Insurance is such type of product where people awareness is very low so people do not very much about insurance. They think, insurance is only tax saving instrument so they fully dependent on agent for taking insurance. When agent say about any product, that time they inquiry from neighbor and co-worker about that product. If any body suggests that, this product and I have also taken this product. Individual think that, this product also best for him. He does not concentrate on his need and requirement. Secondly, he is influenced by information influences. If he goes to purchase insurance, he makes enquiry about this product from his personal sources. He study newspaper and search on Internet and gather all information related product. If he is satisfied from that information, he decides to buy insurance. People also influence from opinion leader, this opinion leader may be Mukhiya, or Surpanch in rural area or this may be any leader, actor or cricket player in urban area. If opinion leader say or advertise about any product, people are influenced from opinion leader because opinion leader keep good position in society. Family and household pattern also influence consumer behavior. Due to less security of individual family, people want to purchase insurance, but in joint family people give less attention in buying insurance. If all family are well earning, there are given less attention on insurance in such family. But if earning member is less and dependent is more in such type of family insurance is very important. Women want more security so women are taking main role in purchase decision where, women influence consumer behavior. Personal factor; A consumer decision is also influenced by personal characteristics for example the buyer age and stage in life cycle, occupation and economics circumstances, personality, self-concept, life style and value. When we say about age and life, first is bachelor stage. They are generally young independent and they are in early stage of his carrier and earning. They mostly think that they have no need of insurance because in that time they have no dependent. However, some people have some dream and dependent also. They are in such stage where they can take more risk so they mostly prefer to invest in ULIP. Second stage is newly married. In that stage people need and buying decision is influenced from their future plan and earning capability. If they have to plan for purchase flat that time, they will need term insurance. There after stage is one or two children after marriage, they will be influenced from future need. They will accumulate fund for children marriage and education, they can be plan time-to-time vacation. In forth stage, they want to accumulate for retirement. People want to live alone after old age or in peaceful place so they are ready to start saving for old age. Attitude also affect consumer behavior positive attitude (about his life) person will take pension plan because people think that they will live more. But negative attitude person will take life insurance because they worry about their life. Review of Literature Mehr and Cammack (1976) agrees that Insurance is usually thought of as a product that spreads the risk of serious, but low-probability, losses among a group of individuals, thus providing some financial protection to each individual. Kunreuther, (1979) said that his product makes good sense, particularly when the protection is purchased against potential losses so large as to be catastrophic, such as total destruction of ones home, a large accident liability judgment, or death of primary family breadwinner. However, it has long been recognized that this sensible product is difficult to sell.v Kotler, (1973) considers insurance to be in the category of unsought goods, along with products such as preventive dental services and burial plots.He notes that unsought goods pose special challenges to the marketer. Slovic, Fischhoff, Lichtenstein, Corrigan, and Combs (1977) found that subjects were more likely to buy insurance against small, high-probability losses than insurance against large, lowprobability losses, Hershey and Schoemaker (1980) reported the opposite result. Kunreuther (1979) It is not the magnitude of a potential loss that inspires people to buy insurance voluntarily it is the frequency with which a loss is likely to occur. Kahneman Tversky, (1979) reported a risk-averse individual, therefore, should avoid nearly all types of risk. Empirical evidence, however, suggests most people are risk averse for gains and risk seeking for losses. Kahneman Tversky, (1984) stated indeed, repeated demonstrations have shown most people lack an adequate understanding of probability and risk concepts Dhar, (1997) Greenleaf and Lehmann, (1995) Tversky and Shafir, (1992) have shown that offering more options can generate decision conflict and preference uncertainty, leading to decision deferral. Michael L. Smith (1982) said that a typical life insurance contract provides a package of options or rights to the policy owner that is not precisely duplicated by any other combination of commonly available contracts. Viewed from this perspecti ve, life insurance enjoys a unique position in the field of investments and should be judged in this light. The paper shows that an options viewpoint provides a more complete explanation of policy owner behavior towards life insurance than the conventional savings-and-protection view. Michael L. Walden (1985) told that the options package view of the whole life insurance policy suggests that a whole life policy is a package of options, each of which has value and is expected to influence the price of the policy. This viewpoint implies the general hypothesis that price differences between whole life policies can be explained by differences in policy contract provisions and differences in selected company characteristics. The options package theory was empirically investigated using regression analysis on data from a sample of policies marketed in North Carolina. The results suggest support for the options package theory. Kirchler and Angela-Christian Hubert (1999) found that the present study aims at describing spouses relative dominance in decisions concerning different forms of investment. As determinants of spouses dominance, partnership characteristics, such as partnership role attitudes, marital satisfaction and individual expertise in relation to different investments, were considered. A questionnaire on spouses dominance in making decisions on various investments, on the characteristics of particular investments and on partnership characteristics was completed by 142 Austrian couples. Basically, wives appeared to adapt to the dominance exerted by their husbands in savings and investment decisions. Wives dominance was highest in egalitarian partnerships, where autonomic and wife dominated decisions were reported m ore frequently than in traditional partnerships. Additionally, spouses relative expertise in relation to the investments in question showed strong effects on dominance distribution: Spouses with higher expertise than their partners exerted more dominance in decision-making processes. Amy Wong, (2004) empirically examined the role of emotional satisfaction in service encounters. Specifically, this study seeks to: investigate the relationship between emotional satisfaction and key concepts, such as service quality, customer loyalty, and relationship quality, and clarify the role of emotional satisfaction in predicting customer loyalty and relationship quality. In doing so, this study used the relationship between emotional satisfaction, service quality, customer loyalty, and relationship quality as a context, as well as data from a sample survey of 1,261 Australian retail customers concerning their evaluation of their shopping experiences to address this issue. The results show that s ervice quality is positively associated with emotional satisfaction, which is positively associated with both customer loyalty and relationship quality. Further investigations showed that customers feelings of enjoyment serve as the best predictor of customer loyalty, while feelings of happiness serve as the best predictor of relationship quality. The findings imply the need for a service firm to strategically leverage on the key antecedents of customer loyalty and relationship quality in its pursuit of customer retention and longterm profitability. Stephen Diacon (2004) presents the results of a detailed comparison of the perceptions by individual consumers and expert financial advisers of the investment risk involved in various UK personal financial services products. Factor similarity tests show that there are significant differences between expert and lay investors in the way financial risks are perceived. Financial experts are likely to be less loss averse than lay investors, b ut are prone to affiliation bias (trusting providers and salesmen more than lay investors do), believe that the products are less complex, and are less cynical and distrustful about the protection provided by the regulators. The traditional response to the finding that experts and non-experts have different perceptions and understanding about risk is to institute risk communication programmes designed to re-educate consumers. However, this approach is unlikely to be successful in an environment where individual consumers distrust regulators and other experts. Helmut Grà ¼ndl, Thomas Post, Roman Schulze, (2005) found that demographic risk, i.e., the risk that life tables change in a nondeterministic way, is a serious threat to the financial stability of an insurance company having underwritten life insurance and annuity business. The inverse influence of changes in mortality laws on the market value of life insurance and annuity liabilities creates natural hedging opportunities. Eva n Mills, Ph.D.(1999) Studied the insurance industry is rarely thought of as having much concern about energy issues. However, the historical involvement by insurers and allied industries in the development and deployment of familiar technologies such as automobile air bags, fire prevention/suppression systems, and anti-theft devices, shows that this industry has a long history of utilizing technology to improve safety andotherwise reduce the likelihood of losses for which they would otherwise have to pay. We have identified nearly 80 examples of energy-efficient and renewable energy technologies that offer loss-prevention benefits, and have mapped these opportunities onto the appropriate segments of the very diverse insurance sector (life, health, property, liability, business interruption, etc.). Some insurers and risk managers are beginning to recognize these previously hidden benefits. Roger. A. Formisano (1981) examined, via consumer interviews, the impact of the National Associ ation of Insurance Commissioners Model Life Insurance Solicitation Regulation as implemented in New Jersey. A substantial portion of the insurance buyers sampled did not become aware of the provisions of the regulation aimed to improve their buying ability. Further, many life insurance buyers were not well informed concerning the nature and operation of life insurance contracts, and in particular, the life insurance policies that they had purchased. theory was empirically investigated using regression analysis on data from a sample of policies marketed in NorthCarolina. The results suggest support for the options package theory. Kirchler and Angela-Christian Hubert (1999) found that the present study aims at describing spouses relative dominance in decisions concerning different forms of investment. As determinants of spouses dominance, partnership characteristics, such as partnership role attitudes, marital satisfaction and individual expertise in relation to different investments, were considered. A questionnaire on spouses dominance in making decisions on various investments, on the characteristics of particular investments and on partnership characteristics was completed by 142 Austrian couples. Basically, wives appeared to adapt to the dominance exerted by their husbands in savings and investment decisions Wives dominance was highest in egalitarian partnerships, where autonomic and wife-dominated decisions were reported more frequently than in traditional partnerships. Additionally, spouses relative expertise in relation to the investments in question showed strong effects on dominance distribution: Spouses with higher expertise than their partners exerted more dominance in decision-making processes. Amy Wong, (2004) empirically examined the role of emotional satisfaction in service encounters. Specifically, this study seeks to: investigate the relationship between emotional satisfaction and key concepts, such as service quality, customer loyalty, and rel ationship quality, and clarify the role of emotional satisfaction in predicting customer loyalty and relationship quality. In doing so, this study used the relationship between emotional satisfaction, service quality, customer loyalty, and relationship quality as a context, as well as data from a sample survey of 1,261 Australian retail customers concerning their evaluation of their shopping experiences to address this issue. The results show that service quality is positively associated with emotional satisfaction, which is positively associated with both customer loyalty and relationship quality. Further investigations showed that customers feelings of enjoyment serve as the best predictor of customer loyalty, while feelings of happiness serve as the best predictor of relationship quality. The findings imply the need for a service firm to strategically leverage on the key antecedents of customer loyalty and relationship quality in its pursuit of customer retention and longterm pro fitability. Stephen Diacon (2004) presents the results of a detailed comparison of the perceptions by individual consumers and expert financial advisers of the investment risk involved in various UK personal financial services products. Factor similarity tests show that there are significant differences between expert and lay investors in the way financial risks are perceived. Financial experts are likely to be less loss averse than lay investors, but are prone to affiliation bias (trusting providers and salesmen more than lay investors do), believe that the products are less complex, and are less cynical and distrustful about the protection provided by the regulators. The traditional response to the finding that experts and non-experts have different perceptions and understandings 4 about risk is to institute risk communication programmes designed to re-educate consumers. However, this approach is unlikely to be successful in an environment where individual consumers distrust regul ators and other experts. Helmut Grà ¼ndl, Thomas Post, Roman Schulze, (2005) found that demographic risk, i.e., the risk that life tables change in a nondeterministic ay, is a serious threat to the financial stability of an insurance company having underwritten life insurance and annuity business. The inverse influence of changes in mortality laws on the market value of life insurance and annuity liabilities creates natural hedging opportunities. Evan Mills, Ph.D.(1999) Studied the insurance industry is rarely thought of as having much concern about energy issues. However, the historical involvement by insurers and allied industries in the development and deployment of familiar technologies such as automobile air bags, fire prevention/suppression systems, and anti-theft devices, shows that this industry has a long history of utilizing technology to improve safety and otherwise reduce the likelihood of losses for which they would otherwise have to pay. We have identified nearly 80 e xamples of energy-efficient and renewable energy technologies that offer loss-prevention benefits, and have mapped these opportunities onto the appropriate segments of the very diverse insurance sector (life, health, property, liability, business interruption, etc.). Some insurers and risk managers are beginning to recognize these previously hidden benefits. Roger. A. Formisano (1981) examined, via consumer interviews, the impact of the National Association of Insurance Commissioners Model Life Insurance Solicitation Regulation as implemented in New Jersey. A substantial portion of the insurance buyers sampled did not become aware of the provisions of the regulation aimed to improve their buying ability. Further, many life insurance buyers were not well informed concerning the nature and operation of life insurance contracts, and in particular, the life insurance policies that they had purchased. Description of factors 1. Company Loyalty This factor includes that this is the only company the consumer wants to associate himself with, in future .himself would purchase more policies from the same company , suggest friends and family to purchase policy from the same company , company able to fulfill expectation, , Policy benefits benchmarks . The highest Eigen value lies in this factor 35.213. So it is been considered as the highly contributing factor towards study. Therefore it is clear that company loyalty plays an important role in investment decisions of investors. 2. Services Quality This factor includes hassle free settlements , employees responsible towards customers agents respond promptly , investment in life insurance is more secure than stock market satisfy with relationship to company . . Ease of Procedures This factor includes the company provides claims on time cooperative and friendly agent , settlement of claims easy and timely , agent is well informed about policies. As we can see, that the Eigen value for factor ease of procedures is 5.830 , which is also a contributing factor towards the study, so it can also be considered as an important factor in the study. 4. Satisfaction Level This factor includes that the suggested benefits of Insurance Policy should be met to the investors, Company provides them satisfactory services , fulfill its promise about life insurance policy , Services should be provided on time, and awareness of terms and conditions of policies. As we can see, that the Eigen value for factor satisfaction level is 5.008 , which is also a contributing factor towards the study, so it can also be considered as an important factor in the study. 5. Company Image This factor includes that the insurance company should be well known in the industry , insurance provider should have goodwill in market (0.758),and company of high repute As we can see, that the Eigen value for factor company image is 4.878, which is also a contributing factor towards the study, so it can also be considered as an important factor in the study. 6. Company-Client Relationship This factor includes that the agent remind about premium installments. personal attention on every consumer and understand consumers financial needs . As we can see, that the Eigen value for factor company client relationship is 4.051, which is also a contributing factor towards the study, so it can also be considered as an important factor in the study. CONCLUSION In present Indian market, the investment habits of Indian consumers are changing very frequently. The individuals have their own perception towards various types of investment plans. The study of this research work was focused over consumers perception on investment towards Life Insurance Services. The consumers perception towards Life Insurance Policies is positive. It developed a positive mind sets for their investment pattern, in insurance policies. Still some actions are needed for developing insurance market. The major factors playing the role in developing consumers perception towards Life Insurance Policies are Consumer Loyalty, Service Quality, Ease of Procedures, Satisfaction Level, Company Image, and Company-Client Relationship. Insurance industry has to go ahead. A lot of opportunities are still waiting. This research will help in developing the market share, loyalty and further development in insurance sector. .

Comparing Evil in Emerson, Hawthorne, and Melville Essay -- comparison

     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Lionel Trilling once said, "A proper sense of evil is surely an attribute of a great writer." (98-99) Although he made the remark in a different context, one would naturally associate Hawthorne and Melville with the comment, while Emerson's might be one of the last names to mind. For the modern reader, who is often in the habit of assuming that the most profound and incisive apprehension of reality is a sense of tragedy, Emerson seems to have lost his grip. He has often been charged with a lack of vision of evil and tragedy. Yeats, for example, felt that Whitman and Emerson "have begun to seem superficial, precisely because they lack the Vision of Evil" (qtd. in Matthiessen 181).    There is no doubt that Emerson was a yea-sayer. He did celebrate the daylight and hope in preference to blackness and despair. At the same time, however, he was not unaware of the existence of evil. He personally went through the agony of unusual poverty and a series of deaths of his beloved ones, and his own health was constantly threatened. He knew life was hard and full of tribulations. But Emerson discovered the key to the perplexing reality in absolute faith in human nature and divinity: A human being is capable of banishing whatever evil with the guidance of divinity that sometimes seems to accomplish the just cause at any cost, even by an evil agent. Throughout 'Self-Reliance' echoes his strong conviction in human nature and God:    Trust thyself: every heart vibrates to that iron string. Accept the place the divine providence has found for you, the society of your contemporaries, the connection of events...And we are new men, and must accept in the highest mind the same transcendent destiny; and not minors and inv... .... "Self-Reliance." The American Tradition in Literature. Ed. Sculley Bradley et al. Vol. 1, 4th ed. New York: Norton, 1983. 1036-1048. -----. "The American Scholar." The American Tradition in Literature. 1080-1092. -----. "Experience." The American Tradition in Literature. 1126-1135. Hawthorne, Nathaniel. "Young Goodman Brown." The American Tradition in Literature. 672-683. Hoeltje, Hubert H. "Hawthorne, Melville, and Blackness," American Literature, 37 (1965): 279-285. Matthiessen, F.O. American Renaissance. New York: Oxford & University Press, 1941. Melville, Herman. Moby-Dick. New York: Norton, 1967. -----. Billy Budd. The American Tradition in Literature. 997-1054. Sherman, Paul. Emerson's Angle of Vision Cambridge: Harvard University Press, 1952. Trilling, Lionel. The Opposing Self. New York: Viking Press, 1955.   

The Iraqi War has Made a Fool of George Bush Essay -- essays research

The Iraqi War has Made a Fool of George Bush There were several wars in the twentieth century that caught the attention of the people. World War II, Vietnam War and The Cold War are only a few of the many wars we lived by. Now, in the twentieth first century the first war we have lived is the Iraqi War. The United States started a war against Iraq for causes that brought more negative than positive effects for the Iraqi people. II. CAUSES The Iraqi War started for allegations the U.S. had against Iraq with the United Nations. Even though Saddam Hussein, the President of Iraq gave a report to the United Nations of all the arms he possessed, the United States decided to take action superceding the United Nation’s diplomatic process and go into war. Another cause of the Iraqi War was because the United States promised to liberate Iraqis from the Hussein’s regime. Iraq had been in a regime where they did not have any liberty and they were robbed by their own government. This cause was another excuse for President Bush and his administration to declare a war against Iraq. A year after the war, the Iraqi people seem worst than before the war started. II.POSITIVE EFFECTS   Ã‚  Ã‚  Ã‚  Ã‚  A positive effect of the Iraqi War left was the overthrown of Saddam Hussein. With their advanced technology, the United States’ military could strategize smartly where Hussein was and captured him. Because Hussein was accused for having in possession nuclear and biological weapons of mass destruction, the capture certainly was a relief for the whole world.   Ã‚  Ã‚  Ã‚  Ã‚  Another positive effect of the Iraqi War is the opportunity of Iraq to a new government. Gubash mentions about the war effect on Iraqi government, â€Å"The U.S. – led overthrow of a dictator has accelerated the pressure for political and social reform that began in the wake of September 11, 200, terrorist attacks. For years, people have been clamoring for democratic reform while Arab regimes have just as staunchly resisted any change that that would erode their grip on power† (4). Many Iraqi people lived in fear because they never knew what to expect next of their dictator. Feisal Amin Al-Istrabadi, a Chicago lawyer said, â€Å"This is a day we’ve been waiting for 35 years.† (qtd. In â€Å"Iraqiâ€Å" 1). Iraqis now feel somewhat liberated by the drastic change in their government. III. NEGATIVE EFFECTS One effect of the Iraqi ... ...ates asked the Iraqi people not to fear the war because they promised a new democracy. They repeatedly told the Iraqi people they were going to be at liberty. Many Iraqi hoped for a new life style with a new government where democracy really could rule their lives. It has been a year after the war and no positive results have seen. Sukkar quotes in Gubash, â€Å"I don’t think American credibility has been at a lower level at anytime in the past Syria. Proposals about democratic initiatives have no credibility whatsoever. The U.S. does not tackle the Arab-Israeli conflict which is the crux of the problem†¦ It goes ahead and occupies another country. You cannot talk about democracy and right of self determination and invade someone’s territory without legimacy.† (5). The reality is that the United States has not helped the people of Iraq to achieve a new government; they have actually made it worst than what it was. V. CONCLUSION In The United States Bush Administration has clearly made a fool of them with the world. Now a year later, the poor people of Iraq are mad and angry because they have not seemed a new democratic government, nor a positive change as the U.S. promised.

Educational Support In Rural Zimbabwe Education Essay

Cash Transfer system is presently a popular discourse in poorness decrease. Originally designed as an intercession scheme under dearth and exigency conditions, hard currency transportation has now been applied as a wide spectrum instrument in poorness decrease including kids ‘s public assistance. Inspired by Sens ‘ Entitlement Approach, hard currency transportation is a demand side intercession aimed at stimulating demand for services through administering hard currency to the mark population. Cash transportations are a non-contributory grant such as income support, kid grants, Foster attention grants and scholarships. Focus of this paper is limited to whether such grants are conditional or non. Conditional Cash transportations have been used to advance instruction in Latin America. Disbursement of hard currency was made on status that school traveling kids in the family are enrolled or attend school or both. This attack seems to estrange instruction from other family dem ands and do it alone to kids. However, repressing the family factors that led to under demand for instruction by enforcing conditions might non be the best solution in bettering entree to instruction. An apprehension of how instruction can be promoted in the background of family demand forms and resource allotment determinations seems believable. The focal point is on the family for two grounds. First, Most kids live in families and families are an of import establishment in supplying kids with primary demands. In this position, family operation ( the extent to which all it needs are met ) is of import in run intoing kids ‘s demands. Second, the demands of families are by and large linked and complementary to each other, in which instruction is one. Therefore, run intoing kids ‘s primary demands such as wellness and instruction through hard currency transportations is most likely to be sustainably achieved through a family attack. This essay reviews the literature enviro ning the usage of hard currency transportations in advancing orphans and vulnerable kids ( OVC ) instruction, while concentrating on how rural Zimbabwe families can be instrumental in guaranting sustainable demand for instruction.Children and instruction in ZimbabweThe demand for instruction in Zimbabwe has been greatly affected by the HIV/AIDS pandemic and intensifying poorness. In 2004, Catholic Relief Services estimated that about 30 % of kids were orphans[ 1 ]. AIDS related Orphan population is estimated to hold reached 1.1 million in 2010[ 2 ]. A big figure of orphans are populating in drawn-out households largely in rural countries. Bettering entree to instruction for orphans and other kids made vulnerable by poorness therefore requires a wider attack that besides caters for loss in support. The Basic Education Assistance Module ( BEAM ) revived in 2010 under the Ministry of Education Sports and Culture to supply educational subsidies towards OVC has an mean coverage of merely 7.8 % ( Mushunje and Mafico. 2010 ) . The net registration rate for primary school is approximates 90 % harmonizing to UNICEF statistics[ 3 ]. However, attending has been greatly affected by the intensifying economic crisis. With unemployment rate good above 80 % , instruction aid is needed.Cash transportation and instructionCash transportation has been used in human development through advancing entree to wellness, nutrition and formal instruction particularly aiming vulnerable kids. Success narratives in Latin America have strengthened the thought that conditional hard currency transportation can be employed across Africa in advancing formal instruction for kids. Registration and attending were used as indexs for success. However, enrolment entirely is non sufficient in bettering instruction. Consistency in go toing school seems to be a comprehensive index for programme impact. Conditional hard currency transportation based programmes such as The Red de Proteccion Social Programm e in Nicaragua resulted in an mean addition of 18 per centum points in registration and 23 per centum points in attending ( against a baseline of 70 % registration in the mark population ) between 2000 and 2003[ 4 ]. The Bolsa Familia Programme in Brazil has shown a lessening in school dropout and an addition in enrolment even though the sum of the hard currency transportation was less than that realised from child labor ( Chapman 2010 ) . The betterments in entree to instruction hold been attributed to handiness of hard currency for school fees and sometimes to worsen in child labor through increased household income. Several hard currency transportation programmes aimed at increasing the demand for instruction have besides been carried out in Africa. Kenya ‘s first stage of Cash Transfer Programme was launched in 2004 in 3 territories with each family having about USD 6.50 per month ( Bryant 2009 ) . Absenteeism declined by 16 % during the first 9 months in Kalomo territory Zambia where unconditioned hard currency transportation was implemented ( GTZ 2005 )[ 5 ]. Very few surveies have been documented about the usage of hard currency transportation in advancing instruction in Zimbabwe. However, a correlativity between an addition in income and an addition in puting instruction has been established in other hard currency transportation undertakings. The 2006 Zimbabwe Emergency Cash Transfer Pilot Programme aimed at bettering nutrient security in 3 territories of Zimbabwe indicated that some part of the money distributed was used to purchase educational equipment such as books ( Roman 2010 ) .Theoretical footing of hard currency transportationsCash transportation is fundamentally based on the Entitlement Approach ( OXFAM 2006 ) . Sen ( 1981 ) used the entitlement attack to explicate the dearth that occurred in Bengal in 1943.According to Sen ( ibid ) , people did non decease because of deficiency nutrient but ‘lacked the ability [ †¦ ] to command nutrient through the legal agencies available in the society ‘ , i.e. , entitlement failure ( ibid. :167 ) . They may besides hold failed to utilize this ability if it was present. Sen ( ibid. ) described two signifiers of entitlement failure, â€Å" pull † and â€Å" response † failures. Pull failures represents inability to demand, for illustration through pay loss in unemployment. Response failures represent inability to provide to run into demand, i.e. the inaccessibility of nutrient on the market. The hard currency transportation attack is fundamentally a demand -side intercession aimed at ex tenuating the pull failures. In other words, the attack assumes that kids are out of school because instruction is non adequately demanded due to miss of service fees. The entitlement attack consists of three related constructs ; the gift set, entitlement function, and the entitlement set. The gift set is defined as resources owned by a individual ( legal ) both touchable and intangible for illustration land, knowledge/skill and labor power. It is these resources that either through exchange or production enables a individual to obtain other trade goods needed for endurance through agencies that are considered legal by the society in which 1 is portion of ( Osmani 1993 ) . Entitlement mapping refers to the procedure of change overing 1s gift into agencies possible to obtain trade goods packages of one ‘s pick. Therefore, laborers ‘ sale their labor to obtain rewards for purchasing trade goods while husbandmans sells their green goods to acquire hard currency for exchange with other trade goods. Social security falls within this procedure. Entitlement set ( trade good package ) , refers to the existent trade goods which people chose to hold for fulfilling their demands. The entitlement set besides includes goods and services obtained through public provisioning such as free instruction. Several advantages have been identified by pro hard currency transportation assistance coders in nutrient security ( e.g. OXFAM 2003 ) . These include reduced response clip, flexibleness and expanded picks for donees and cost effectivity in term of absence of procurance costs. Using conditional hard currency transportation in instruction seems to fall short of some of the above advantages, family picks are really limited, and costs per donee are likely to lift due to supervising costs. Even when statements point out that conditioning improves effectiveness particularly when a specific group within the family such as kids are targeted, effectivity still rest on the health professionals ‘ pick to take part or honor the conditions. The undermentioned subdivision analyse family from the entitlement attack position.Locating families within the Entitlement Approach Framework.A ‘household ‘ fundamentally consists of people populating in the same home and have common agenci es for endurance. A family might non be household but assorted household composed of members from more than one household. Cash transportations are a manner of giving families capacity to demand services. Families make picks or ‘map ‘ on the services depending on their demands. The procedure of entitlement function at the family degree determines whether instruction as a ingestion good will be portion of the entitlement set, unless conditions are imposed. In a state of affairs of really limited resources under poorness conditions, demands that are considered most of import are more likely to acquire attending foremost. This suggests a additive relationship among demands. Besides needs that complement each other tend to be located closer to each other in the relationship. Therefore, a closer appraisal of overall family demand form is of import before an effort to excite demand for instruction. Sing the fact that a family operation is indispensable for kids ‘s public assistance, a comprehensive bundle may be necessary to do such intercession sustainable. Traditional microeconomic theoretical accounts assume that families consist of person who are a public-service corporation maximising ( Cornia and steward 1995 ) . The family make corporate determinations and income is allocated in the best manner to run into the demands of the family. A family is merely limited by the entire budget at its disposal ( Vermeulen 2002 ) . Under the public-service corporation theoretical account, even if the hard currency is disbursed to a family without any specific targeting, every member of the house is assured of a just portion from the corporate appropriation procedure. However, Individuals of course have different penchants or at least differ in precedences. When I was turning up at that place were infinite times when I would desire money to travel to a film house merely to be told that the few dollars left were for my male parents ‘ conveyance to work ( likely budgetary restraints ) , or that I would instead inquire for a new brace of school places ( precedence ) . Samuelson ( 1956 ) made an effort to explicate the inevitableness of single penchants and suggest that at least family members argue for their ain personal penchants and make a consensus to aggregate their public-service corporations. Becker ( 1974 ) unlike Samuelson, suggest the being of a benevolent family caput through which corporate public-service corporation is achieved. On the other manus, the bargaining theoretical account assumes a bargaining procedure among family members. The ultimate allotment of resources depends on the bargaining power of each person or groups within the family ( Cornia and steward 1995 ) . In this theoretical account, kids are expected to dicker for demands like school fees and other rudimentss. The above family theoretical accounts are an of import measure in understanding family ingestion forms. Concentrating on the rural Zimbabwe in a scenario of really limited resources, it is most likely that the demands ( including instruction ) would be prioritised in a superior order with the topmost needs having financess before those lower in rank. Assuming that kids will hold much dickering power particularly in an drawn-out household family might be an simplism. Demand for instruction is largely possible when it is considered a family demand and the budget license. The diminution in absenteeism rates in non-conditional hard currency transportations in Kalomo Zambia suggests that the demand for instruction might non needfully necessitate to be induced, but increased ingestion on other demands is positively correlated to ingestion on instruction.Targeting Children within the familyMost kids exist in families, and have entree to basic demands such as nutrient, shelter, and instructi on by virtuousness of being household members. Children who separate from a family might lose some basic demands such as shelter and nutrient. Children populating on the streets are a good illustration. Targeting kids in a manner that recognises this relationship is hence of import. This logically translate to the thought that a balance should be stuck among the viing demands within the family whether through public-service corporation maximising or dialogue. Targeting kids presents a challenge in poorness intercessions. If our position is that a family is necessary for kids ‘s endurance, we are most likely to accept that realization of kids ‘s entree to instruction is achieved when the family is working good ( i.e. affording most of its basic demands ) . On the other manus, if we hold the position that the family has failed to supply entree to basic demands for kids, we tend to estrange kids from the family and seek solutions that are limited to kids. Even if a plan is designed to references direct costs of instruction, the kids can merely go to school if the family attains some degrees of satisfaction on its other demands, for illustration, lower limit nutrient demands. It is hence of import to see the adequateness of the sum of hard currency transportation in intercessions. Beneficiaries in Kalomo District in Zambia indicated that the size of the hard currency transportations given were non plenty to run into the basic family demands ( Wietler 2007 ) , neither USD 6.50 per month transportations in Kenya might be sufficient to convey sensible alteration in a family ‘s economic status. Regularity of income is besides of import. The success of the Bolsa Familia programme is partially attributed to dependability of regular income even though the transportations where less than incomes form child labor ( Chapman 2010 ) . Other obstructions in aiming kids are deserving to see. During the choice of the mark population there are a scope of factors that might exclude/omit meriting families or kids to be donees. For illustration, deficiency of designation paperss or the clip interval between choices of donees. The choice of donees does non take topographic point every twenty-four hours for logistical grounds, while kids are invariably falling vulnerable from assorted grounds. Excessive coverage happens when people who do n't run into the standards for inclusion benefits form an intercession. Cornea and Stewart ( 1995 ) working in the country of nutrient subsidies argued that the chance of inordinate coverage lessenings when most of the people in a population meets the standards for inclusion. Sing the figure of out of school kids populating below the poorness threshold in rural Zimbabwe, coders should non go much disquieted about mark preciseness. Otherwise the cost of supervising for conformity will go e xpensive and lead to an addition in costs per donee. In a survey of 15 Sub Saharan states, Kakwani and Son ( 2005 ) discovered that the Pro-Poor Policy Index differences were non important in conditions of perfect aiming and cosmopolitan targeting, particularly where degrees of poorness were really high. Entree to instruction is non merely determined by the ability to run into direct costs of instruction. Other factors that need to be established through a situational analysis are of import before make up one's minding whether hard currency transportations ( conditional or non-conditional ) provides the best solution or non. The perceptual experience held the family on instruction may play a function. For illustration, ingestion on instruction may depend on whether it is considered an investing or ingestion good ( Kakwani et. Al. 2006 ) . The impact of instruction proviso besides depends on the quality of instruction. Consequently, supply side needs attending in footings of instructor preparation, educational installations and equal equipment. Success of the Red de Proteccion Social Programme in Nicaragua is besides attributed to fillips received by instructors for each kid who attend school and half of the sum was used to secure school stuff ( Chapman 2006 ) .DecisionCash transporta tions primary aim is by and large to cut down poorness and exposure and besides to increase affordability of trade goods. This nonsubjective can be achieved rather easy by utilizing non conditional assortments of hard currency transportations. Some literatures suggest that conditional hard currency transportations are the most effectual in advancing kids ‘s human capital development. However, the justification of utilizing conditions on hard currency transportations is unfastened to debate and unfavorable judgment. Conditional hard currency transportations cut down picks for families and might non needfully reflect the pending demands people have. Even though conditional hard currency transportations can be introduced to hike weak demand in instruction, an apprehension of state of affairss taking to less than expected ingestion on instruction is required. This entails apprehension of local family economic and societal functionalities. Evidence of an addition in investing in in struction under non-conditional hard currency transportation suggests that instruction is a family demand. Therefore, advancing kids ‘s instruction within the family model is most likely to be sustainable. All the same, household ingestion degrees on each demand tend to be related, complemented, or may be partly influenced by ingestion of another. Policy shapers besides need to see a web of grounds why families sometimes fail to adequately demand instruction in rural Zimbabwe. Considerations must be taken to see if hard currency transportation in its assorted signifiers can be used as a primary instrument or as a complement to other more relevant schemes particularly against a background of intensifying educational crisis.

It’s Time to End Pet Misery Year 11 Draft Essay

In the opinion piece ‘Let’s End Pet Misery’, featured in the Herald Sun on the 21st of July 2009, writer Susie O’Brien responds to the issue of animal cruelty in Victoria. In an outraged tone, the writer pleads with pet lovers and everyone else alike to support a new bill that aims to make animal desexing compulsory, reducing the rates of unwanted offspring and acts of animal cruelty committed against these animals. The writer begins her argument with the use of alliteration paired with a cliche. â€Å"A single stroke of the pen can save †¦ pets from a short life of misery. † The alliteration of the two words ‘single’ and ‘stroke’ draws more focus to the cliche; ‘a single stroke of a pen’. This emphasises how easily the problem could be solved, angering the reader due to the little that has been done to solve the problem. This technique also works to instil guilt within the reader, making it more likely for them to take action in assisting the cause, thereby supporting the writer’s contention to support the compulsory desexing of pets. One technique the writer uses is a frightening statistic that has been juxtaposed in a larger text. â€Å"In Victoria alone, 300 dogs are put down every day. That’s †¦ more than 100,000 a year. † This unbelievably shocking statistic is a perfect technique to support the writer’s contention. It is able to appeal to the fear and concern of pet lovers and all other citizens alike. This statistic works very well to draw the reader’s attention, due to its intelligent position just below the heading, and works to ‘recruit’ more people to the cause, as most would be unable to stop reading after being confronted with such a statistic. Additionally, it would inspire more people to support the writer’s contention and take action to stop all this death. One of the writer’s strongest persuasive technique is the use of a widely known anecdote paired with strong, emotive language. â€Å"In a devastating attack, someone †¦ hacked off his ears and tail and then left him to die in pain. † Through the use of the well-known story about Buckley, an eight week old Victorian puppy, the writer’s argument is strengthened in the eyes of many readers, as a majority of them would have heard of the story, and resented the horrific act of animal cruelty. Her argument is again reinforced by several instances of colourful language. Phrases like ‘hacked off’ and ‘die in pain’ don’t exaggerate the malevolence of the crime, but instead work to give the reader a clearer image of the vile act. This then makes the reader feel more strongly about the issue, making it more likely they do something about it. The strong use of visual media paired with the article is successful in giving the story an even greater effect; working as the figurative ‘icing’ on the argument. The largest image; that revealing the extent of Buckley’s shocking injuries, is a perfect accompaniment to the text, giving the reader a true idea of the result of his terrible wounds. Additionally, the images of pets behind bars, with their innocent eyes, and somewhat fearful expression makes the reader compare them to prisoners whom have been wrongly accused; forced to live a life of confinement for another’s crimes. These elements make readers wish to take action; ending the injustice, and is effective in supporting the writer’s contention. The opinion piece, â€Å"Let’s End Pet Misery,† is effective in persuading readers to support the author’s pledge to introduce a law making the desexing of pets compulsory. Whilst using a highly angered tone, the writer uses alliteration in conjunction with a cliche to give readers a greater idea of how appalling the government’s inaction is. The writer also shocks her readers through the use of an alarming statistic, revealing the true magnitude of the deaths of unwanted animals. Furthermore, the use of a terrifying anecdote used together with colourful language, as well as the images in the piece alert readers to the severity of the situation and appeal to one’s empathy, ultimately encouraging us to share an equally outraged view.