Risk Management An Effective Tool For Organisations Success - Free Essay Example

Sample details Pages: 9 Words: 2632 Downloads: 3 Date added: 2017/06/26 Category Business Essay Type Research paper Did you like this example? Introduction With the current scene in the business world it is very challenging to explore the risks involved in the business economy. The topic of Risk Management interests with the varied challenges as it has become the foundation for many organisations to effectively manage their investments or projects. The risks involved in any type of organisations are constantly increasing with the rise in competition across the globe. Don’t waste time! Our writers will create an original "Risk Management An Effective Tool For Organisations Success" essay for you Create order The recent credit crunch was also an alarming sign to manage the risk efficiently. Development of technology also has had great impact on the performance of any technological projects. Thus the topic of risk management is gaining lot of scope across various sectors in diversified businesses in todays world. So being the case, Indian economy is no exception to the above mentioned threats for the organisations to successfully achieve their goals and objectives. Conceptual Underpinnings My research is based on whether the Risk Management is used as a tool for checking quality, accessing security level, as a measuring unit as controlling tool. To check whether theories on Risk Management, really help in understanding and analysing the risks involved in todays business scenario. Also to check the practical and technical difficulties in introducing risk management as a control tool in all possible arrays of business and development. While risk management offers accountable benefits it also involves costs, the cost of implementation of Risk Measures into the organisation structure, the process and also to make it a part of the organisational planning process in order to achieve objectives at minimal risk levels. Hence it is necessary and vital to have a comprehensive Risk Management Strategy for every organisation. In order to accomplish each and every organisation needs to have a dedicated team depending on the nature of their business, organisational structure, and also possible risks to be involved. 2.1) Literature Review The Indian Economy has been impacted with the downturn of the recession. As the effect of recession there is tremendous amount of change in the outlook of the business world. Today Management of Risk is a critical issue for organisations to minimise the level of risk they would be witnessing while involving in the business practices. Risk is always associated with uncertainty, even in our everyday activities. But we over comes these risk with our knowledge and experience by taking effectives measures to protect ourselves from these find of risks. Similarly, organisations have to consider the risks and uncertainty more strategically as they will be involving in huge business associations which might have an impact on large number of organisations and individuals. At most importance should be given to in order to avoid the disturbances from these risks or effects of these risks. Determination of these risks is critical and essential to implement Risk Management in any organisation. S mith (1995) states that risk management is an essential part of any project or business and constitutes to be an indispensable part of organisational planning. 2.2) Risk Management as an effective tool for organisations success During the early 70s risk management had very little scope and its effects on projects and business were ignored because they were not recognised as serious threats for organisations (Merna and Al-Thani, 2008). Organisations were ignorant about the risk involved in any business process or project and hence risk management had less scope to be implemented. Later on with the development of Project risk management, in early 80s risk management was acknowledged as a specific topic in the project management literature (Artto, 1997 cited by Merna and Al-Thani, 2008). The awareness towards risks gave room for risk management to emerge as an effective tool for organisations success. Since then Risk management continues to evolve in many ways in many fields. It has emerged as a crucial aspect for business today. It has been developing steadily and obtaining great importance in the business world. Today the use of risk management concepts by the corporate managers have increased to a grea t extent and most of the organisations will have some kind of risk control measures and risk management policies this clearly shows that risk management is undoubtedly beneficial to the organisations. (Tufano, 1998) Successful organisations All over the world would have well coordinated risk management programme, they also recognise and identify the risks and admit that risks occur and it must be addressed. (Hiles 2007) 2.3) Risk and Uncertainty Risk is always associated with uncertainty. As identified by Bussey (1978), any decision which has a variety of outcomes is said to be subjected to risk and when probabilities can be linked to the outcome. In other words risk is the possibility of something undesirable happening. Many people think risk in terms of three main components; bad happening, the chances of it happening and the consequences if it does happen. (Merna and Al-Thani, 2008). According to Merrett and Sykes (1983) uncertainties come into picture when the there are more than one options for any course of action. However some authors feel that risk and uncertainty can be used interchangeably. Risks and uncertainties are common for all organisations irrespective of the organisations structure and their area of expertise; however, these risks are product or service specific. The nature of risk and the extent of damage or success and the result may change over time but risk itself cannot change. (Gordan 1992) In ot her words the effect of such risks and uncertainties differ from industry to industry and from organisation to organisation. Even with in a corporate organisation we may observe various sources of risks in different levels of the organisation. Some of such identified sources are à ¢Ã¢â€š ¬Ã¢â‚¬Å" political, financial and legal risks at the corporate level, Economic and market risk at strategic business level and risks at project level may be precise to that particular project like Technical risks of a project. (Merna and smith 1996, cited by Merna and Al-Thani, 2008) Different organisations employ different approaches for identification of these risks and uncertainties. In order to identify these risks different methods of risk management are implemented to minimise these risks. After analysing the threat to the organisations from such risks they identify Organisations are extensively implementing the concept of Risk Management into their organisational culture. Though this p rocess is time consuming it is onetime investment. It also involves considerable amount of capital investment. Investment banking is an industry which is known to have the maximum risks involved. Banking by itself is risk oriented business. The nature of investment banking business is volatile and they have to implement a comprehensive risk management strategy as it deals in the instruments which are highly volatile in the market. These risks have to be effectively managed for the smooth running of the organisation. So is the case with the Information or software industry. Software industry is no exception to risks though the nature of the business is not volatile they also involve lot of risks. These risks also have to be managed and addressed efficiently, to make sure it does not hamper the organisational growth. There will be a lot of system related risks and risk of manipulation, duplication and theft of the software, copyright and patents risks, technological risks and fe w others. The risks involved in these two industries are important, and have to managed to minimise their risks and maximise the opportunities for the organisations growth. My research is to know whether the risks involved in the above two industries are indifferent or similar. And also to identify whether risk management is being implemented in these industries as an effective tool. If it has been implemented what is the role of risk management in these industries. Aims and Objectives The research intends to concentrate on these two industries i.e. Investment banking and software industry to find if the amount of risks involved in these two industries. The research would also look on the risk control measures taken by these industries, their perspective of looking on to the risks their risk assessment and management methods and techniques. The researcher will be targeting two specific companies from both the industries and identify their risk management tools in their business. Whether it has helped them overcome these risks and to what extent they were successful in their attempts. What would be the scope for improvement for risk management in these industries? And Conduct research on these organisations to analyse if risk management has to be made mandatory for such organisations. The companies that would consider in the research are Australia and New Zealand Banking Group Limited (ANZ) which is one of the top players in investment banking sector, and Sonata Software Limited for software industry. 3.1) Research Topics Implementation of risk management as a control tool Is Risk management Organisation or industry specific? Comparative analysis of Risk and risk management in these sectors, Impact of risk and its management on business 3.2) Scope of Study This research will be investigative in nature which will be carried out on two companies Australian and New Zealand Banking Group Limited ANZ and Sonata software Ltd in a case study format, the information collected will be specific to these two companies and of sample size. A minimum of four managers in risk management will be contacted and they will be a part of this research. This research would be restricted to only two industries (Investment banking and Software industries) as the objective of the research is to compare the risk involved in these two industries. Research Strategy Research can be defined as a process undertaken to find out things collect data and interpret it systematically thereby increasing their knowledge. The research has to be based on logical findings and logical relationships and not just assumptions, and the methods used to collect such date should be meaningful (Saunders et al 2009). In layman terms research means searching for desired information from a reliable source and analyse that information to draw a conclusion for a research question. For this research techniques like qualitative data collection, desk study and interviews would be conducted. 4.1) Qualitative Research The research would be based on qualitative method of collecting data, qualitative research is an approach to study a social observable fact and it is realistic interpretive and grounded in the lived experiences of people their individual opinions and feelings. (Marshall and Rossman 2006) the data collected with this approach is non numeric data and is expressed through words. The data collected through qualitative research cannot be used directly, it has to be analysed before using it in the research. An effective qualitative research must be interactive and interpretive. It should use various methods to get the information and should be related to the context. 4.2) Case study Case study is a descriptive research which refers to gathering of thorough information of a corporate it refers to collecting all the detailed information of a particular firm and focus on the characteristics and factors of that corporate leading to its success or failure. The research intends to look at a case study of one corporate in both Investment Banking sector and software industry. The research concentrates on Australia and New Zealand Banking Group Limited (ANZ) and Sonata Software Limited and analyse the various risk involved in both the companies and how they are effectively managed. 4.3) Sampling Top managers, senior risk managers and people involved in the risk management process of the above mentioned companies will be targeted for this research and interviews would be conducted as a part of sampling technique to get the desired data. In the process of research a minimum of two persons responsible and working in risk management process of both the companies would be done. The interviews would be conducted based on the persons availability and accessibility. Data collection 5.1) Primary Data Various semi-structured interviews would be conducted to collect primary data, the interviews would be recorded. These interviews would be conducted with risk managers and employees responsible for the assessment and management of risk. Permissions and authorisations will be taken from the people interviewed and from the management before conducting the interviews. The interviews will be done personally or through internet also telephonic interviews if necessary. The questions asked in the interview will be clear and spontaneous to get clear answers to questions. 5.2) Secondary Data The data which is already available and published which can be used as useful information to our research is called as secondary data these are the data which is already researched by other researchers and is easily accessible. Risk involved in business and risk management has a vast literature and evolution of risk and its management is was there from many decades and hence a lot of information is readily available in various sources, this information will also be taken in to consideration in this research and there is no need to start the research on risk management from the scratch. The secondary data will be collected from various books, journals on risk management other online data base like EBSCO, JSTOR and other trusted sources, also the company websites would be used to get company specific information. This information would be extensively used in discussing the literature on the topic chosen. 5.3) Data Analysis The data collected from the interviews will be transcribed and assessed, analysed and interpreted in order to use it in the research, pie charts and graphs would be used if necessary to understand the risks involved and the methods and techniques used to manage the risks. The data collected through secondary data sources would be thoroughly examined and only relevant and reliable date will be included in the research. Data analysis would be done in an effective way to draw proper information and to arrive at a effective conclusion. 5.4) Reliability and Validity Reliability and validity is one of the important aspect of any research study, the data obtained must be valid and reliable. In this research there are a certain issues relating to reliability and validity like the information obtained may not be in detail as the risk management procedures of an organisation is very confidential and may not be disclosed to everyone, to overcome this the researcher may promise the organisation that the information obtained will not be disclosed to any one and will only be used to this research only. The data collected through interviews will be subjective. The reliability and validity of data will also be influenced by factors like time and place, and the conclusions drawn from the research would be the interpretations made by the researcher. 5.5) Access To start any research one important factor to be remembered by the researcher is getting access to the information required. As there is already a lot of literature on risk in business and risk management there will not be much hindrance in getting the secondary data however the researcher has to get access to obtain the primary data. The research concentrates on two organisations and the researcher has gained access in Sonata software limited and Australia and New Zealand Banking Group Limited (ANZ) to do case study on their organisation and to interview people responsible for identifying and managing the risks. However there is a risk involved in this as they may deny providing the required information as it may be confidential and to overcome this risk, as a back up the researcher can also try and get access to do a case study on Deutsche Bank as well. Possible chapters: Introduction Review of the Literature: Risk involved in todays business world And the steps and techniques used to manage those risks Introduction to companies chosen for the case study and their risks and management Comparison of risk involved in both the companies Assessment of the research Conclusion Gantt chart TARGET DATE TASKS TO BE ACHEIVED March Submission of Proposal April Collecting Data and conduct research June Conduct Interviews and Collect Data + Write up of Literature Review July Analysis of Data + Submission of First Draft August Submission of Dissertation

The Great Depression American Samoa Community College

The Great Depression Anne-Marie Seui American Samoa Community College Abstract The Great Depression was a time of major distress for economies all over the world. The duration of this tragic time in history was from 1929-1939. It is known as the worst and longest depression in America’s economic history. It brought poverty and devastation to so many hardworking individuals. It lasted for about ten years as America and places all over the world tried to boost economic growth in civilization and wealth. Much of businesses, farming, and means of income began to fall short. America had dug a big ditch she could not get herself out of. Who would help restore America and put herself back to where she once was? America was at†¦show more content†¦Money does not buy everything neither does it last forever. One day America had the world at her feet the next she was serving the world. America came from riches to rags. What we choose to blind ourselves with in fame and fortune, we also choose to blind ourselves from poverty and destruction. Even after havi ng built ladders to success and being at the height of that level, it is evident that there will be times of difficulty and major falls. America built herself on the throne but failed to rule her country with order and extra plans to defend her crown. The Great Depression stepped up to the throne and watched America collapse within a short few years of having risen. America At Her Lowest On October 24, 1929, America lost almost everything she owned. Business owners and breadwinners of the â€Å"Roaring Twenties† had their businesses fall and received little or nothing at all from consumers. People had no longer gotten money when the stock market crashed. It was either the business people had over stocked their stores and people could not keep up with them raising prices or they just had no source of income at all. Production slowed down because people could not meet the needs of storeowners. Millions of people were laid off of their jobs because the government could not keep up with paying their employees. Those who were already poor and lived in

Explain How You Could Promote Inclusion Free Essays

To answer this question one would have to first define the terms ‘inclusion, equality and diversity. According to Ann Gravells inclusivity is â€Å"involving all learners in relevant activities rather than excluding them for any reason either directly of indirectly† Gravells defines equality as â€Å" the rights of learners to attend and participate, regardless of their gender, race, ethnic origin, religion, disability, sexual orientation and age. And finally Gravells definition of diversity is â€Å"valuing the differences in people, whether that relates to gender, race, age, disability or any other individual characteristics they may have†. We will write a custom essay sample on Explain How You Could Promote Inclusion or any similar topic only for you Order Now ( Gravells, A. , 2008, pg. 18). The Government defined inclusion in 2001 as â€Å"†¦ a process by which schools, local education authorities and others develop their cultures, policies and practices to include pupils†(http://www. csie. org. uk/). The essence of the definitions of all three terms is acceptance it implies that the objective of teaching is to impart the knowledge and to assist the entire group in achieving their educational goals regardless of their background. As a teacher I must ensure that I do not allow anyone to feel marginalised or show favouritism and know that everyone is an individual with various abilities, needs, background and experiences and that all learners have the right to be treated with respect and dignity. Any barriers or boundaries to learning must be identified at the outset thereafter continuously monitored throughout the course for students to successfully and effectively participate in learning. The individuality and characteristics of each learner should also be identified and respected and if there is a cultural diversity in the group then the teacher should be culturally sensitive when delivering sessions. Adoption of such method can promote a sense of inclusion, equality and diversity at an individual level, which can translate to a more beneficial collective learning practice throughout the course. Cultural and language differences; disabilities/age/medical issues, family commitments; lack of support, peer pressure, previous learning experience, travel issues, lack of confidence, emotional or psychological problems and learning difficulties, all these issues can potentially act as barriers to learning. (Gravells, 2008, pg. 16) As my subject will be Third World Development I could expect ‘some’ learners with extreme passion to issues of developing countries which can at times affect students’ morale and potentially result in dropping out or being very pessimistic – this could be a potential barrier. As a teacher I will have to deal with such cases by motivating those students and include them in all activities and discussion by telling them that they need to learn about causes and solutions to developing world’s problem so that they can become part of the solutions. Promotion of inclusion, equality and diversity can be achieved by the teacher first having the knowledge of the existence of potential barriers then identifying these barriers within the learning group thereafter finding ways towards overcoming them. Francis and Gould assert â€Å"It is important to recognise the differences in the learners we teach as these may influence how we interact with them. To act professionally as teachers we will want to ensure that we behave in ways acceptable to all our learners, taking into account factors such as race, gender, age, previous experience or background. † (Francis M and Gould J. , 2009, pg. 70) During the course enrolment forms, discussions, assessments and individual learning plans can ensure that no learner is disadvantaged or subjected to unfair discrimination on any grounds in relation to accessing appropriate learning methods and resources. Collecting this data also helps identify areas that may require referral to counselling, creche facilities, health advice or a basic skills tutor in order to overcome obstacles. Promoting inclusion by identifying variation in needs ensures that learners have equality throughout their learning experience. Data collection through assessment is valuable when analysed, acted upon and continuously monitored to ensure consistency in inclusion through equality. Advocating equality through more effective provision of resources according to individual need is essential to the learning experience. Planning and implementing various strategies throughout the course to support learners with various learning requirements such as VAK style or learners with dyslexia may benefit from having different colour and bigger fonts on the teacher’s projector screen can help tackle exclusion and inequality. If there is wheelchair users on the course the appropriate venue for teaching should be considered. For students that have a disability (such as being blind or deaf, etc. ) it may be useful for the student to have learning support whilst attending the classes. Carefully prepared resources can also help with inclusive learning e. g. handouts should be in a font size which is big enough for partially impaired vision learners. Any resources need to be in simple English (i. e. avoid unnecessary jargon). A good layout combining colours and pictures for easy reading. Using non-discriminating language, resources that echo the diversity of the group and that are adaptable to meet the needs of the learners can be a conscious, active and constant way of tackling exclusion. Use constant assessment methods to give equal opportunity to all the learners and at the end of the course give the learners the option to evaluate the course. In conclusion, processes of inclusion are wide-ranging, dynamic and varied. They consist of: ? forging relationships ? building community ? increasing participation Inclusion in education is concerned with breaking down barriers to learning and increasing participation for all students, treating all learners on the basis of equality and non-discrimination. In educational and social settings of all kinds, working towards inclusion entails celebrating differences of: ? ulture ? ethnicity ? gender ? needs and abilities (http://www. csie. org. uk). Bibliography Gravells A. , Preparing to Teach in the Lifelong Learning Sector, 3rd Edition, 2008, Learning Matters Ltd. Francis M and Gould J. , Achieving Your PTTLS Award,: A Practical Guide to Learning in the Lifelong Learning Sector, 2009, Sage Publications Ltd. Reece R. Walker S. , Teaching Training and Learning: A Practical Guide, 3rd edition, 1997, Tyne and Wear Business Education Publisher Ltd. http://www. csie. org. uk/ Centre for Studies on Inclusive Education How to cite Explain How You Could Promote Inclusion, Papers

Introduction To The English Law Of Contract - Myassignmenthelp.Com

Question: Discuss about the Introduction To The English Law Of Contract. Answer: Issues: The present issue is concerned with the determination of the rights and obligations of the parties to the contract that are determined in respect of the terms of that contract. Rule: According to the Australian contract law, a contract is defined as the lawful enforcement of the promises which was made as the portion of bargain which is liberally entered into by the parties and forming a legal relationship among them (McKendrick 2014). For a contract to be valid there are six necessary elements that helps in lawful binding of contract formation; Agreement: Agreement among the parties since Considerations: This consist of supply of goods or service or the promise undertake or not undertaken for a specific act in exchange of value Capacity: Capacity of entering into the lawful relations Intentions: The intentions of the parties to form legal relations Certainty: The contract must be certain, clear and binding Form: The contract must be in whatever form required by the law Application: As evident from the case study there was the clear acceptance of the offer by Will made by Tim. Both the parties entered into the agreement and held the capacity of entering into the legal associations. Citing the reference of BP Refinery (Westernport) Pty Ltd v Hastings Shire Council [1977] HCA 40 the contract between Will and Tim will be considered legal irrespective of whatsoever form required by law (Cartwright 2016). Conclusion: Conclusively even though the offer is not made in writing but it remains legally binding between Will and Tim. Will cannot accept the offer made by Lucy. Reference List: Cartwright, J., 2016.Contract law: An introduction to the English law of contract for the civil lawyer. Bloomsbury Publishing. McKendrick, E., 2014.Contract law: text, cases, and materials. Oxford University Press (UK).

Boeing Essays - Boeing 747, Airliners, Boeing 707, Boeing

Boeing The Boeing 700's are very capable of handling duties in the commercial and military world. The Boeing 700's are capable of handling many tasks in the commercial and military world. With the introduction of the 707 in the late fifties to the most recent 777 in the early nineties the, 700's have dominated the commercial world for five decades. They are a line of aircraft that are capable of handling many roles from basic civilian transport to various military needs. They are the people movers of the 20th century. Each with a large carrying capacity combined with the range of a jet aircraft they have moved more people longer distances than what was once thought possible. Boeing has truly produced some of the greatest aircraft in history. The various duties that the 700's perform are quite extraordinary. It all started in the fifties. There was a growing demand for a commercial airliner that could move a greater number of people farther and faster. The age of the jet engine still had not reached to civilian transportation. There was still a fear of the jet because of lack of reliability, but with the advancement of technology the jet engine now had become more even reliable than the piston engine. The need for a jet engine powered plane was growing. Airlines still were looking for a plane that could cross the Atlantic Ocean without a refueling stop. The Lockheed Super Connies, a piston powered plane, were able to cross the Atlantic Ocean with out stopping on the eastbound leg, but they had to stop in Gander, Newfoundland to refuel on the westbound leg. The airlines desired a plane that could easily travel the Atlantic with out a stop. The piston engine just wasn't going to do it, the jet engine was the answer to the question. Boeing realized this and moved to look for a design for a jet powered plane. At first Boeing was looking to modify existing aircraft with jet engines to perform the tasks. They quickly realized that they needed a whole new aircraft. The Boeing 707 was born. The first Boeing 707 was delivered to Pan America airlines in May of 1958 (Bauer, 218). Sales started out slow in fact the 707 almost died many times in it's first couple years of existence. It wasn't until Boeing modified the 707 by increasing the overall length, the wing span, and adding more powerful engines did the 707 confirm its place in as a commercial transporter. With the new modifications the 707 became a very capable aircraft, crossing the Atlantic Ocean became a routine affair. With the introduction of the 707 transatlantic travel doubled in two years (Bauer, 195). Airlines' profitability soared due to the new capabilities of the 707 presented. The 707 began a new era and improved the way people are flown. The 707 being the first major jet airliner saw many applications and variations in it's lifetime. There were thirteen variations of the 707, they varied in capacity, range, and speed (Wright,49). Each variation was designed to meet a specific needs of an individual airline. Some 707's could carry a larger capacity of passengers over a shorter distance, were as another variant could carry fewer passengers over a longer distance. With all of these variations the 707 left little room for the Douglas DC-8 which was once though to be a major treat to Boeing. The 707 could meet any need of an airline; this is one reason that made the 707 such a versatile aircraft and why it dominated the market. The 707 also saw plenty of action in uniform. It's most useful application came in the way of the KC-135 Stratotanker. It was modified to perform in-flight refueling task for the United States Air Force. The 707 saw a healthy lifespan as the KC-135, of the 735 units build in the early sixties 550 still remain in service today (www.Boeing.com). The 707 also had the very privileged role of presidential transport. As Air Force One it started its career in 1962 and served seven Presidents. It was only to be replace by one of it's bigger brothers the Boeing 747. Another of one of it's more interesting applications was that of the "Vomet Come" a modified KC-135 to make large in-flight arcs to provide a weightless environment to train NASA astronauts. Altogether the 707 and its derivatives saw many varied and interesting applications. With the 707 fulfilling the needs for a long range jetliner there was a demand by the airline industry for

Free Essays on Why Compare Political Systems

Why we compare Political Systems Comparative politics can be defined as examining political realities in countries all over the world. It looks at the many ways governments operate and the ways people behave in political life. To say that comparing political systems is a waste of time and that we cannot learn anything from this process is a false statement. There are many things that can be learned by studying and comparing political systems, such as how governments are structured and how they function, the process through which governments interact with their populations in pursing community goals, how political leaders and the population behave in politics, and how political leaders and the public think about and feel about politics and how their feelings affect their behavior.1 By studying and comparing these different aspects of different political systems, we are able to learn more about the system in which we live, we can also determine which systems are successful and which systems are not. Throughout time there has always been diversity in political systems across the world.1 Different political systems and governments are two of the many things that make this world a very interesting place to live. In order to better understand how the system in which you live works, you first have to understand were that particular system comes from and how it came about. For example, there is know way to fully understand the political system of the United States without first knowing were the first settlers came from, their reason for coming, and what they did when they came. If people would take time to understand and compare different political systems to their own, the issue of foreign policy, and one group understanding and respecting another would not be as big of an issue as it is today. In order to fully understand democracy you have to do more than just concentrate of the American version of democracy. Democracies o... Free Essays on Why Compare Political Systems Free Essays on Why Compare Political Systems Why we compare Political Systems Comparative politics can be defined as examining political realities in countries all over the world. It looks at the many ways governments operate and the ways people behave in political life. To say that comparing political systems is a waste of time and that we cannot learn anything from this process is a false statement. There are many things that can be learned by studying and comparing political systems, such as how governments are structured and how they function, the process through which governments interact with their populations in pursing community goals, how political leaders and the population behave in politics, and how political leaders and the public think about and feel about politics and how their feelings affect their behavior.1 By studying and comparing these different aspects of different political systems, we are able to learn more about the system in which we live, we can also determine which systems are successful and which systems are not. Throughout time there has always been diversity in political systems across the world.1 Different political systems and governments are two of the many things that make this world a very interesting place to live. In order to better understand how the system in which you live works, you first have to understand were that particular system comes from and how it came about. For example, there is know way to fully understand the political system of the United States without first knowing were the first settlers came from, their reason for coming, and what they did when they came. If people would take time to understand and compare different political systems to their own, the issue of foreign policy, and one group understanding and respecting another would not be as big of an issue as it is today. In order to fully understand democracy you have to do more than just concentrate of the American version of democracy. Democracies o...

Did the lead character kill his wife in memento Essay

Did the lead character kill his wife in memento - Essay Example This is through snap shots, notes, memos as well as tattoos (Botz-Bornstein, 2011. P.19). All these had information that could help him trace his wife’s killers. The efforts are meant to blind people in believing at some attackers killed his wife. In addition, it is a way of escaping guilt and reality on his side (Sobczak, 1998. P. 61). The second point that supports my argument is the fact that Leonard relies on information from Natalie and Teddy who are in a mission to ensure that Leonard murders people for their selfish gain. This is evidenced by the plans of Teddy to have drug dealers as well as other people killed by Leonard (Basting, 2009, P. 72). Teddy wants all these people out of her way for his own reasons. It is surprising that Natalie arranges for teddy’s death because he was responsible for killing her boyfriend. This also was meant to be executed by Leonard (Botz-Bornstein, 2011, P. 31). According to Teddy and Natalie, they are controlling and directing Leonard. However, it is not in their knowledge that they are only managing the plans already set by Leonard. In a keen study of all these twisted events, it is certain that Leonard killed his wife. The third point that supports my argument is the fact that memory is both physical and psychological. It enables us to hold down things that we are trying to escape. Leonard narrates to us a story of Jankins which helps us distinguish between physical and psychological aspects of memory (Basting, 2009, P. 101). Leonard places himself in the physical category while he places Jankins in the psychological category. However, a closer look at this movie reveals that Leonard is in fact Jankins. The truth is that the final memory that Leonard has of his wife is that of injecting her with an overdose of insulin, hence, killing her. However, Leonard claims that the final memory of her wife is of the attack and rape by unknown people (Sobczak, 1998. P. 103). Finally, Leonard

The Gun- Control Debate Essay Example | Topics and Well Written Essays - 750 words

The Gun- Control Debate - Essay Example A person feels a lot safe when he is in custody of a small weapon for his personal protection. These people accused the other side of politicizing this shooting issue. Therefore, there is an ongoing heated debate around the country. The proponents of gun control point out to the consequences of lax measures, whereas the opponents of gun control point to the constitutional right of possessing arms and ammunition. The Dishonest Gun- Control Debate Kevin Williamson in â€Å"The Dishonest Gun- Control Debate† has appealed to both the judgment and the emotions of the American people. The goal of this author is to convince the audience that the gun control debate is unfair and corrupt. Williamson states several rational arguments to put forward his point of view that the debate is deceitful. He argues that there is no connection between guns and crime rate and puts down several facts and figures as well as comparisons between countries. Statistics show that there is no correlation b etween guns and crime committed. There are places in the world where there are huge stockpiles of guns but no crimes, others where there are fewer guns and still less crime. Likewise, he mentions a research study by Zack Beauchamp to point out the tactics used by the politicians to manipulate the gun violence statistics. Through this, he has tried to appeal to the better sense of the American people. The writer has made an excellent use of some of the rhetoric devices to persuade the audience to his point of view. When the writer states, â€Å"We hear a lot about â€Å"gun deaths† in the United States, but we hear less often the fact that the great majority of those deaths are suicides,† he made effective use of antanagoge- criticizing and complimenting together to lessen the impact of the point. The writer has made an impressive use of epithet- a describing adjective- to appeal to the audiences’ emotions. Similarly, Williamson has mentioned an anecdote from his personal life to provide his perspective on the debate. He states that he lived years in one of the most voiced crime riddled area of New York; however, he never became a victim despite travelling late at nights. The author has made use a vibrant tone in his article. He has used some of the authoritative words and phrases to illustrate the grim of the debate. At the same time, the author has maintained an eloquent structure of writing where opinions, facts and illustrations are presented in a coherent manner. Nonetheless, Williamson has lacked in the effective usage of pathos and clearly failed to appeal to the emotions of the people. However, Williamson has, overall, made an effective use of the rhetoric devices to appeal to the sense of the people. The Gun Debate is a Cultural Debate Trevor Burrus in â€Å"The Gun Control Debate is a Cultural Debate† argues that the gun issue has always been a cultural issue. One culture argues that gun possession leads to violence while t he other follows that gun possession promotes safety. Therefore, the author in this article has tried to convince the people about the presence of cultural divide on this issue through logical reasoning as well as appealing to the community beliefs and attitudes. The writer has tried to make effective use of anecdote, epithet, appositive, apostrophe and logos to persuade the audience to his point of view. However, the logical reasoning

Subsidy in the Newspaper Industry Essay Example | Topics and Well Written Essays - 1750 words

Subsidy in the Newspaper Industry - Essay Example This very reason, a discussion and analysis of the way in which subsidies can and should be engaged is required so that the ultimate utility to follow society can be found. For purposes of this brief analysis, the author will focus upon necessity and/or exemptions from tax revenue with regards to print journalism. As a function of such a method of research, the possible benefits, it is, and drawbacks will be discussed as well as an analysis and discussion into these stakeholders with this particular debate and the means by which such a method of differs from many of the other approaches that have thus far been discussed within the course. The first and most obvious stakeholder with regards to this particular issue is the tax payer himself/herself. As the one who is most responsible for subsidizing the newsprint organization, this stakeholder is directly involved in any wealth redistribution that might take place in the form of a government subsidy. A secondary, and obvious, stakehold er is the newsprint organization itself. A third stakeholder can be determined as broader society as it would be the ones that would feel the positive secondary and tangential benefits and drawbacks of newsprint subsidization. Naturally, through such a group of stakeholders it must also be noted that the government itself can be considered a stakeholder as well.1 Through an examination of the utility and lack of utility that newsprint subsidization effects on each of these stakeholders, it it’s the hope of this author to paint a more broad and nuanced view of this very issue to the reader. Firstly, it must be understood that newsprint subsidization is ultimately a tool that the government can use to increase and retain a talent pool within a given economy. Ultimately, the reader does not need to go into a great level of research or detail to note the fact that newsprint organizations are rapidly losing market share to technology and the means through which news is succinctly and immediately represented via the Internet. However, even though technological change and the shift away from newsprint have a definitive advantage, it also comes at a definitive disadvantage for society. A litany of studies has noted the fact that individuals who consume the majority of their news from the Internet and/or TV outlets invariably spend much less of their time reading.2 Moreover, and integration with newsprint invariably increases the level of current affairs knowledge and effective communication skills that the individual who utilizes it represents. The core question with regards to this dynamic is whether or not subsidized nation of newsprint is in and of itself worth the expense. As the readership of newspapers in general has dropped precipitously over the past several years, the ultimate utility that can be gained by subsidizing newsprint must be weighed against the ultimate loss that would be incurred with regards to the subsidy/tax money that would be spent. An other important element of newspaper/newsprint subsidization is with regards to the historical preservation element. What is meant by this is the fact that many of the newspapers that currently exist throughout the developed world has been in existence for the better part of several centuries.3 Ultimately, some of the oldest newspapers in the world paid back to the very beginning of modern print journalism and/or the printing press. As a function of this, allowing newsprint to merely fold and shutter its doors would obviously have a negative impact with regards to the cultural and historical legacy that these could continue to promote. However, once again, the stakeholders in this issue must be weighed as compared to the

History Of Birla Sun Life Insurance Commerce Essay

History Of Birla Sun Life Insurance Commerce Essay Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group and Sun Life Financial Inc., a leading international financial services organization. The local knowledge of the Aditya Birla Group combined with the expertise of Sun Life Financial Inc., offers a formidable value proposition to customers. Sun Life Financial and its partners today have operations in key markets worldwide, including India, Canada, the United States, the United Kingdom, Hong Kong, Philippines, Japan, Indonesia, China and Bermuda. It was the first player in the industry to sell its policies through the Bank assurance route and through the internet. It was also the first private Sector player to introduce a pure term plan in the Indian market. This was supported by sales practices, which brought a degree of transparency that was entirely new to the market. Aditya Birla Group and currently in charge of BSLI expressed, The Birla Sun Life Insurance business distribution network is national in nature covering more than 1000 points across the country .We have made our entry in several tier I and tier II towns. It is therefore very important for the brand to connect at the grass root level and create trust. They believe that our association with Kapil Dev as our brand ambassador will help us create this connects in a shorter period of time. We therefore now have two strong connects our parent brand Birla and our brand On 26 November 2006, Birla Sun Life hosted the annual golf tournament at the Chembur Golf Club in Mumbai where Kapil Dev participated. About the Aditya Birla Group The Aditya Birla Group has a turnover close to Rs.38, 000 crore (as on 31 March 2008) and is one of the largest business houses in India. It enjoys a leadership position in all the sectors in which it operates. With over 75 business units spanning the South East Asian belt, Africa, Canada and the UK among others, it is reckoned as Indias first multinational corporation. The group is anchored by 72,000 employees and has seven lakh shareholders, with a market capitalization of Rs.53, 400 crore. Introduction- When ever there is uncertainty there is risk. We do not have any control over uncertainties which involves financial losses. The risk may certain events like death pension retirement or uncertain events like theft, fire accident, etc. Birla sun life Insurance is financial services for collecting the savings of public and providing them with risk coverage The main function of Birla sun life insurance is to provide the protection against the possible chance generating losses. It eliminates the worries and miseries of losses by destruction of property and death. It also provided the capital to society as the fund accumulated to be invested in productive heads. OBJECTIVES à ¢Ã… ¾Ã‚ ¢To determine and analyze the Market Potential of the Birla Sun Life Insurance Company. à ¢Ã… ¾Ã‚ ¢To determine whether the customers are satisfied with the policies of the company. à ¢Ã… ¾Ã‚ ¢To know the customer awareness regarding the Birla-sun life insurance and its products. à ¢Ã… ¾Ã‚ ¢To study and determine the competitor position in the market. à ¢Ã… ¾Ã‚ ¢To know the future plans of the people for buying the policies. à ¢Ã… ¾Ã‚ ¢Proper understanding and analysis of life insurance industry. VISION To be a world-class of financial security to individuals and corporate and to be amongst the top three private sectors life insurance companies in India. MISSION To be the first preference of our customers by providing innovative need based life insurance and retirement solutions to individual as well as corporate. Well -trained professionals through a multi channel distribution network and superior technology will make these solutions available. Our endeavor will be to provide constant value addition to customers throughout their relationship with us, within the regulatory framework. We will provide career development opportunities to our employees and the highest possible returns to our shareholders Problems in the organization, It is clear that BIRLA SUN LIFE INSURANCE COMPANY is a unit- linked insurance, which is basically involved in the life insurance solutions. There are number of problem which are as follows- 1) The main problem of the organization is that the it is not government organization like a life insurance solutions. 2) The second main problem is that lack of believes on the organization by the people. 3) The third problem assigned by the organization that there are the few branches of the BRILA SUN LIFE INSURANCE SOLUTION. 4) Another problem is that the lack of good quality, good skill insurance advisors. Competitors:- à ¢Ã¢â€š ¬Ã‚ ¢Life insurance corporation à ¢Ã¢â€š ¬Ã‚ ¢Max network life insurance à ¢Ã¢â€š ¬Ã‚ ¢MetLife insurance à ¢Ã¢â€š ¬Ã‚ ¢Aviva life insurance à ¢Ã¢â€š ¬Ã‚ ¢Bharathi Axa life insurance à ¢Ã¢â€š ¬Ã‚ ¢Bajaj Allianz life insurance à ¢Ã¢â€š ¬Ã‚ ¢Tata AIG life insurance ICICI Prudential Life Insurance à ¢Ã¢â€š ¬Ã‚ ¢Reliance life insurance à ¢Ã¢â€š ¬Ã‚ ¢Kotak Mahindra life insurance MARKETING MIX- PRODUCTS- Life is unpredictable. But in face of adversity, our responsibilities towards our parents, children and loved ones need not be compromised. Insurance planning equips you to smooth out the uncertainties and adversities that life might send your way, so that the best that life has to offer, secure in the knowledge that your beloved ones are well provided for. BSLI offers a complete range of insurance products 1. Protection Plans 2. Savings Plans 3. Child Plans 4. Investment Plans 5. Retirement Plans 6. Group Plans 7. Rural Plans PRICING POLICY OF THE COMPANY: KEEP TRACK OF YOUR POLICY FUND : Birla sun life insurance sends you an annual policy statement on every policy anniversary to keep you completely informed on the performance of our various funds based on the unit price will be available on our website ELECTRONIC CLEARING SERVICE (ECS) : The ECS is a convenient and hassle- free method of paying premiums through an electronic debit to your bank account. INVESTMENT FUND PORTFOLIO : Upper limit of %asset in protector builder enhancer Government and government approved 85% 70% 55% Securities Rated corporate bonds (AA 30% 30% 30% and above) Money market and other 20% 20% 20% Liquid assets Infrastructure sectors as 25% 25% 25% defined by the IRDA Listed equities 10% 20% 35% FEES AND CHARGES : The policy loading fee* is an up-front charge and varies as per the premium payment mode and the policy year as given under Policy year Single 5-pay 10-pay 15-pay or greater 1 3% 29.9% 54.6% 65% 2 N/A 5.0% 7.5% 7.5% 3 N/A 5.0% 7.5% 7.5% 4+ N/A 5.0% 5.0% 5.0% As a percentage of premium. The policy-loading fee for top up wills 2.0 percent. Charges- . Charges towards the cost of insurance will be deducted by cancellation of units at the prevailing unit price on a monthly basis. The annual insurance charges per thousand-face amount for sample ages for healthy lives are as follows: Sex/age (yrs) 20 30 40 50 60 Female 0.90 1.16 1.66 4.03 10.66 Male 1.02 1.17 2.15 5.53 13.73 An investment management frees not exceeding 1.5% p.a. of the fund will be charged by adjustment of daily unit prices. Currently this fee is 1% p.a. The following administration fees will be deducted by canceling units on a monthly basis. (a) Rs. 22 per month (b) An annual charge of Rs. 2.88 per thousand face amount will be deducted in the first 10 years of the policy expect in the second year where it will be Rs. 15.24 per thousand face amount. From the 11the year onwards this annual charge will increase subject to a maximum of 3.75%per year. A monthly rider deduction will apply by cancellation of units on a monthly basis based on the equivalent monthly rider premium payable over the entire coverage benefit period. If rider deductions are not guaranteed, then the minimum policy values of your policy might be affected due to any change in the rates of the rider coverage. FUND SWITICHING CHARGES In a year, one switch between investment fund options is free. For every additional switch, a charge of Rs.100 will be levied. Promotions Birla sun life promotes the sales through the marketing communications activities like personal selling, advertising, or publicity. The object of sales promotions is to induce the desired result from potential customers, trade intermediaries or the sales people. The Birla sun life provides- Training to employees More incentives to customers, gifts, rebates, direct mail, E-marketing and maintain public relations. PLACE Where the agents of Birla sun life insurance is meet to customers and providing the knowledge related services like premium, interest, etc. SERVICES MARKETING ENVIRONMENT- POLITICAL LEGAL ENVIRONMENT- The services of Birla sun life is more closely regulated than goods like taxes, restrictions on promotions, price discriminations etc. Economic environment- Changing the life style, consumer needs, and advancements of technologies also affected the Birla sun life insurance because after changing the new technology the lot of accidents and deaths has adverse affect of insurance. Due to globalizations the lot of competitors in market so it is very difficult to attract the new customer and gaining the profits. Socio-culture environment- Due to change the income and higher education change the mind of consumers then increases the investments in insurance sectors so the private players like Birla sun life insurance growth is very high comparatively previous years. Technology environment- Due to change the technology the Birla sun life insurance pattern is also change like insurance of profit and loss account insurance of new machinery etc. , Blue print of Birla sun life  Physically visits customers-water coolerwashing room Explain policy in detailwait for response registers to customers with insurance companycheck the premium paymentsChecks and verifies the portal addresses Quality concern- Hire the right people Develop the people through services quality. Provided the needed support to customer Retain the best employee The quality of customer servicing, responsiveness, a personal touch, making him feel special are some of the factors that will have a bearing on the relationship with the customer and a happy customer helps open more doors. Good offerings that meet the customer needs, good advice followed by good service will enhance the business Integrated marketing communication- 1. Advertising: The tool can get your messages to large audiences efficiently through such avenues as radio, TV, Magazines, Newspapers (ROP), Internet, Billboards and other mobile technological communication devices. This method can efficiently reach a large number of consumers, although the costs may be somewhat expensive. 2. Sales Promotion: This tool is used through coupons, contests, samples, premiums, demonstrations, displays or incentives. It is used to accelerate short-term sales, by building brand awareness and encouraging repeat buying. 3. Public Relations: This integrated marketing communications tool is initiated through public appearances, news/press releases or event sponsorships, to build trust and goodwill by presenting the product, company or person in a positive light. 4. Direct Marketing: The BIRLA SUN LIFE has direct marketing through email, mail, catalogs, encourage direct responses to radio and TV, in order to reach targeted audiences to increase sales and test new products and alternate marketing tactics. 5. Personal Selling: Setting sales appointments and meetings, home parties, making presentations and any type of one-to-one communication, to reach the customers and strengthen relationship with Birla sun life, Employee role in service delivery Listen to customers Obtain customer feedback Provide excellence services to customers Getting closer to customer Customer role in services delivery Without the contact of customers the services could not deliver so the customer is very important role for services delivery he physical presences and participation is required of customers .The customer as productive resource; The customer as contributor to quality, satisfaction and value; and The customer as competitor to the service organization Word of mouth advertising. A happy and satisfied customer is much more likely to send more customers your way Managining waiting lines- When the demand exceeds the supply then the Birla sun life has managing the waiting lines through different ways- How long do your customers expect to wait? Set operational objectives based on what is acceptable. This is especially important when the waiting time will be longer than normal. Tell them why the waiting time is longer than normal and what you are doing to alleviate the queue f a group of customers needs something that can be done very quickly, give them a special line so they do not have to wait for the slower customers Inform customers of times when they usually would not have to wait; also tell them when the peak periods are-this may help to smooth the load Develop plans for alternative ways to serve your customers. Where appropriate, develop plans for automating or speeding up the process in some manner. This is not o say you want to eliminate personal attention; some customers expect this. Expectation of the consumers Hence old as well as new insurers will have to offer innovative products to the consumers. The consumers are particularly expecting good pension plans, health insurance, and term insurance and investment products like unit-linked insurance, from the life insurers. Similarly the consumers expect innovative products from the general insurers for managing healthcare, property insurance, accident insurance and other products related to the personal line of insurance Increase exposure through media (TV, Radio and Internet). In this case, the traditional model is more generic and there is a need to reinvent the messages based on target groups to achieve the business Delivering Service through Intermediaries An insurance intermediary is a person or a company that helps you in buying insurance. Insurance agents, insurance brokers and financial advisers are insurance intermediaries. On the other hand, a intermediary is someone who solicits tactful business or invites potential customers to enter into tactful contracts with operators. They are also known as tactful agents and tactful brokers Reason of delivering services through intermediaries of Birla sun life. Exhibit good knowledge of the products and services offered by the insurance company or tactful operator. (In addition, insurance brokers and financial advisers are expected to exhibit good knowledge of products available in the market). Make an effort to understand your insurance or tactful needs and assist you in the choice of insurance or tactful products and services. Explain to you clearly the nature of information required in the proposal form and also the importance of disclosing material facts. Explain clearly the main terms and conditions of the proposed insurance contract or tactful plan so as to help you understand what you are buying. Draw attention to any restrictions and exclusions applicable under the proposed insurance contract or tactful plan. Follow up and provides continuous service to you, such as renewal of policy and provide updates on relevant new products. Provide assistance when you are making claims against the insurance company or tactful operator. It Protect your interests and rights:    Deal only with registered/licensed intermediaries. Deal with intermediaries with proven track record or those with good referral from friends and relatives. Be truthful about yourself and declare material facts. Never be persuaded to sign on blank forms or anything you dont understand. Never be persuaded to lapse an existing policy to buy a new life policy. Ensure that you understand the products you are buying. Read the policy benefits and terms carefully, and compare them with other similar products. Shop around to get value for money. Buy only what you need and what you can afford. Ask for sales materials, for example the sales illustrations, product pamphlets or customer fact find form (for life products only), and keep these documents safely. When in doubt, always ask for more information from the intermediaries or seek clarification from the insurance company or tactful operator that offers the insurance or tactful products. Ask for a receipt as the proof of premium payment and keep it safely. Services Recovery strategies must contain: objective measurable criteria for delisting the species site-specific actions Estimates of the time and cost for implementing the recovery plan. Under stand there relationship between customer expectation and services recovery actions Understand the services recovery paradox Known the elements of an effective services recovery strategy manage the services failure effectively Factor influences the customer the customer response to services recovery Design a services recovery strategy LIMITATIONS OF INSURANCE Lack of awareness among the people This is the biggest limitation found in this sector. Most of the people are not aware about the importance and the necessity of the insurance in their life. They are not aware how useful life insurance can be for their family members if something happens to them. Perception of the people towards Insurance sector People still consider insurance just as a Tax saving device. So today also there is always a rush to buy an Insurance Policy only at the end of the financial year like January, February and March making the other 9 months dry for this business. Insurance does not give good returns Still today people think that Insurance does not give good returns. They are not aware of the modern Unit Linked Insurance Plans which are offered by most of the Private sector players. They are still under the perception that if they take Insurance they will get only 5-6% returns which is not true now days. Nowadays most of the modern Unit Linked Insurance Plans gives returns which are many times more than that of bank Fixed deposits, National saving certificate, Post office deposits and Public provident fund. Lack of awareness about the earning opportunity in the Insurance sector People still today are not aware about the earning opportunity that the Insurance sector gives. After the privatization of the insurance sector many private giants have entered the insurance sector. These private companies in order to beat the competition and to increase their Insurance Advisors to increase their reach to the customers are giving very high commission rates but people are not aware of that. Increased competition Today the competition in the Insurance sector has become very stiff. Today each and every company is trying to increase their Insurance Advisors so that they can increase their reach in the market. This situation has created a scenario in which to recruit Birla sun life insurance Advisors and to sell life Insurance Policy has became very- very difficult. FINDINGS à ¢Ã… ¾Ã‚ ¢To be successful in marketing of insurance products, the entire business scenario has to be taken into account. à ¢Ã… ¾Ã‚ ¢During the study to be found that majority of people are aware of life insurance sector. à ¢Ã… ¾Ã‚ ¢During the survey it was observed that major source of information for consumer are television and newspaper and least preference are given to magazines, agents and friends. à ¢Ã… ¾Ã‚ ¢Attractive schemes and brand image are the most important factor that influences the buying behavior of the consumers. Majority of respondents will shift to any other insurance company. à ¢Ã… ¾Ã‚ ¢People are not satisfied with the opted insurance. It was found that the reason for the dissatisfaction of consumer is high premium, delay in claim settlement and poor after sale service. à ¢Ã… ¾Ã‚ ¢So to achieve a greater insurance penetration, insurance sector companies have to create a more vibrant and competitive industry, with greater efficiency, choice of products and value for customers. SUGGESTIONS ) Information regarding new product should be provided to the customers. 2) The company should find out the no. of people who are not having any of the insurance plans through an intensive market research and motivate them to get insured. 3) At some level Company should provide information to the customers about the charges of the policy. 4) Company should target each and every class of the society. 5) Charges should be low of the policies . 6) Annual premium should be reasonable.7) BSLI Company should work in systematic way. RECOMMENDATIONS 1) Even though most of the policy holders are satisfied with policies, plans they have but some new attractive insurance plans should be introduce to bind them not to switch over to other companies insurance plans. 2) The company should find out the no. of people who are not having any of the insurance plans through an intensive market research and motivate them to get insured. 3) Leveraging technology to service customers quickly, efficiently and conveniently. 4) Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders. 5) Company should target each and every class of the society 6) Company should provide full information to the customers before targeting so they can take interest. CONCLUSION The market potential for private insurance companies is found to be greater in the long run as most of the Indians are of the opinion that, private insurance companies would be able to perform well in the future. The private and foreign insurance companies have to take immediate steps in appointing more number of agents and/or advisors in addition to the employees as it has been found out that agents are the best channel to reach the general public regarding selling of insurance products. The private and foreign insurance companies have to concentrate on the factors like Prevention of Loss, Assured Returns and Long term Investment. They can also focus on an insurance amount of Rs. 1 2 lakhs with money back policies. Hence, the market has potential. The private and foreign insurance companies that are taking immediate steps can tap it easily rapidly

Humas Overcoming Nature Essay -- Nature Society Natural Essays

Humas Overcoming Nature Humans have always tried to exert their control over nature. Throughout history, humans command over nature has wavered from a confidant to a skeptical viewpoint. As time passed, humans believied in their ability to conquer nature slowly diminished to a point where nature ruled without a doubt. Now, in the twentieth century, however, people believe once again that the human population can overcome nature. Up until the sixteenth century, people believed that God could explain all actions. In general, science did not really exist. People simply looked to the Bible for reassurance about then unexplainable phenomenon. With the development of a scientific method and the industrial revolution, people began to recognize reason in their world through science. In the present day, the general public in their quest to discover all of natures secrets depends on science and its reason. Rogets Dictionary declares that science includes the observation, identification, experimental investigation and theoretical explanation of phenomena. Science tries to describe nature through all of these methods. It seems that every day a new study is published about the relationship between nature and humans. Scientists have explained and improved many aspects of human health and the human body, especially in the twentieth century. In 1936, Dr. Alexis Carrel developed the artificial heart. In 1937, insulin began t o be used to control diabetes. In 1943, penicillin was discovered. In 1954, Jonas Salk inoculated children with the polio vaccination. In 1970, scientist at the University of Wisconsin completed the first complete synthesis of a gene. In 1978 the first "test-tube baby" was born in England and finally, in 1980, the Wor... ...f Western Civilization: Problems and Sources in History. Third Edition. 532. 6. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 532. 7. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 542. 8. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 530. 9. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 531. 10. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 539-540. 11. Craver, Bruce. Lecture. University of Dayton. 19 Nov 98. 12. Rogers, Perry M. Aspects of Western Civilization: Problems and Sources in History. Third Edition. 494.

Skrzynecki Belonging Related Texts

Belonging is notorious for its complex nature. One person’s perception of belonging can vastly differ from another’s. This is displayed clearly in Peter Skrzynecki’s poetry, in this essay however Feliks Skrzynecki and 10 Mary Street will be discussed in detail. To support the points raised and provide further examples of belongings complexities the texts Dumb by Nirvana and the film Avatar directed by James Cameron. Firstly, in the poem Feliks Skrzynecki the persona describes the father figure as self sufficient in the lines â€Å"My gentle father/kept pace only with the Joneses of his own minds making†.This is backed up later in the poem when we learn that Feliks has made no attempt to even learn English. This is the kind of complacency that the persona aspires towards. The hyperbole used in the words â€Å"swept its paths ten times around the world† shows us as readers the sheer determination Feliks possesses in his path to maintain his roots in h is new country. This is juxtaposed in the lyrics to the song Dumb by Nirvana in which Kurt Cobain professes â€Å"I’m not like them but I can pretend†. These lyrics are talking about conforming to belong.The persona described in this song is different to those around him and feels that he needs to conform and be â€Å"like them† just to belong. This is the exact opposite to the father in Feliks Skrzynecki who refuses to be just like everyone else, he holds onto his culture whilst simultaneously absorbing the culture around him. Secondly, Belonging changes from person to person. For example in Avatar James Cameron uses biodiversity to convey his message about belonging. In the film, Jake Sully is a paraplegic and does not feel as though he belongs.This is why he travels to Pandora, a distant planet, to take over his deceased brother’s duties as a scientist. Jake belongs to the Na’vi people of Pandora because he has nothing to lose. James Cameron por trays Jake as, at first, incompetent. As the film progresses Jake’s relationship with his foreign counterparts falls apart. His love interest Neytiri screams at him â€Å"you will never be one of the people†. This line is perhaps the most powerful line in relation to belonging throughout the entire film.This line portrays that sometimes no matter how hard one tries to belong through changing to better suit their surroundings it doesn’t work. Of course, Jake ends up belonging but at this stage in the film he does not belong at all. The humans shun him and so do the Na’vi. This directly correlates to 10 Mary Street because both texts show the differing nature of belonging from person to person. In 10 Mary Street the parents have a garden which is symbolic of their roots in their new country.The garden in religiously maintained and gives the parents a sense of belonging in Australia. In stark contrast to this is the persona, he says â€Å"my parents’ watered plants – grew potatoes and rows of sweet corn: tended roses and camellias like adopted children. Home from school earlier I’d ravage the back garden like a hungry bird†. These lines tell the reader that the boy takes the garden for granted and does not particularly care about his parents roots, presumably through lack of understanding.Lastly, belonging has a complex and at times unidentifiable nature. This is shown in all of the chosen texts. Skrzynecki’s deep detail in 10 Mary Street in reference to his visitors and their habits in the lines â€Å"Visitors that ate Kielbasa, salt herrings and rye bread†¦ a dozen puffing Billies† tells us as readers that Skrzynecki scrupulously watched everything his visitors did. This portrays a sense of the caution of change and the fear Skrzynecki may have felt when these foreign visitors acted so strangely around him.Similarly, in Feliks Skrzynecki the persona has a deep admiration for his father b ut also a great deal of distance, he does not ever describe any physical contact or conversation with Feliks which displays to the reader that Skrzynecki preferred to simply watch Feliks go about life rather than question him. The poet conveys a visual image of watching from afar in the lines â€Å"My father sits out the evening With his dog, smoking, Watching stars and street lights come on, Happy as I have never been† in these lines an image of Skrzynecki admiring his father perhaps from a bedroom window is instantly implanted in the readers mind.In addition, Nirvana’s song Dumb portrays the complex nature of belonging in the lines â€Å"I think I’m dumb, maybe just happy†. These lines tell the listener that the persona described has conformed and although they know it is wrong and they feel â€Å"dumb† about it they still try to convince themselves that it is making them happy. This is belonging in its most complex form, belonging to one’ s self.Finally, in James Cameron’s film text Avatar the protagonist does not belong on his home planet yet sees potential to belong on another. He is drawn into another culture and finds that he belongs better in an alien race than he does in his own world. This is in stark contrast to 10 Mary Street, in the poem the persona saw the Polish visitors as alien and he did not belong whereas Jake Sully does.In conclusion, belonging is portrayed in many forms, be it through an individual’s sense of inner belonging (Dumb), belonging to culture (10 Mary Street), belonging to a new country (Feliks Skrzynecki) or even belonging top a new race entirely (James Cameron’s Avatar). An individual may shape their own sense of belonging or they may take another’s ideology of belonging and use it to mould their own. Belonging can apply to a group or, more importantly, an individual. All four of the above texts deal with the dynamics of an individual’s belonging.

Genetic Engineering, history and future Essays - Molecular Biology

Genetic Engineering, history and future Essays - Molecular Biology Genetic Engineering, history and future Altering the Face of Science Science is a creature that continues to evolve at a much higher rate than the beings that gave it birth. The transformation time from tree-shrew, to ape, to human far exceeds the time from analytical engine, to calculator, to computer. But science, in the past, has always remained distant. It has allowed for advances in production, transportation, and even entertainment, but never in history will science be able to so deeply affect our lives as genetic engineering will undoubtedly do. With the birth of this new technology, scientific extremists and anti-technologists have risen in arms to block its budding future. Spreading fear by misinterpretation of facts, they promote their hidden agendas in the halls of the United States congress. Genetic engineering is a safe and powerful tool that will yield unprecedented results, specifically in the field of medicine. It will usher in a world where gene defects, bacterial disease, and even aging are a thing of the past. By understanding genetic engineering and its history, discovering its possibilities, and answering the moral and safety questions it brings forth, the blanket of fear covering this remarkable technical miracle can be lifted. The first step to understanding genetic engineering, and embracing its possibilities for society, is to obtain a rough knowledge base of its history and method. The basis for altering the evolutionary process is dependant on the understanding of how individuals pass on characteristics to their offspring. Genetics achieved its first foothold on the secrets of nature's evolutionary process when an Austrian monk named Gregor Mendel developed the first "laws of heredity." Using these laws, scientists studied the characteristics of organisms for most of the next one hundred years following Mendel's discovery. These early studies concluded that each organism has two sets of character determinants, or genes (Stableford 16). For instance, in regards to eye color, a child could receive one set of genes from his father that were encoded one blue, and the other brown. The same child could also receive two brown genes from his mother. The conclusion for this inheritance would be the child has a three in four chance of having brown eyes, and a one in three chance of having blue eyes (Stableford 16). Genes are transmitted through chromosomes which reside in the nucleus of every living organism's cells. Each chromosome is made up of fine strands of deoxyribonucleic acids, or DNA. The information carried on the DNA determines the cells function within the organism. Sex cells are the only cells that contain a complete DNA map of the organism, therefore, "the structure of a DNA molecule or combination of DNA molecules determines the shape, form, and function of the [organism's] offspring " (Lewin 1). DNA discovery is attributed to the research of three scientists, Francis Crick, Maurice Wilkins, and James Dewey Watson in 1951. They were all later accredited with the Nobel Price in physiology and medicine in 1962 (Lewin 1). "The new science of genetic engineering aims to take a dramatic short cut in the slow process of evolution" (Stableford 25). In essence, scientists aim to remove one gene from an organism's DNA, and place it into the DNA of another organism. This would create a new DNA strand, full of new encoded instructions; a strand that would have taken Mother Nature millions of years of natural selection to develop. Isolating and removing a desired gene from a DNA strand involves many different tools. DNA can be broken up by exposing it to ultra-high-frequency sound waves, but this is an extremely inaccurate way of isolating a desirable DNA section (Stableford 26). A more accurate way of DNA splicing is the use of "restriction enzymes, which are produced by various species of bacteria" (Clarke 1). The restriction enzymes cut the DNA strand at a particular location called a nucleotide base, which makes up a DNA molecule. Now that the desired portion of the DNA is cut out, it can be joined to another strand of DNA by using enzymes called ligases. The final important step in the creation of a new DNA strand is giving it the ability to self-replicate. This can be accomplished by using special pieces of DNA, called vectors, that permit the generation of multiple copies of a total DNA strand and fusing it to the newly created DNA structure. Another newly developed method, called polymerase chain reaction, allows for faster replication of DNA

Analytical Exposition - Comparison of the domestic sitcoms Brady Bunch and My Wife and Kids

Analytical Exposition - Comparison of the domestic sitcoms Brady Bunch and My Wife and Kids The popularity of domestic sitcoms is increasing. Certain shows usually address issues relevant to the lives of their viewers. It could be suggested that certain television shows contribute to the development of viewer's attitudes and beliefs. Despite the differences in the eras that these sitcoms come from, The Brady Bunch (produced 1970) and My Wife and Kids (produced 2000-2005), represent family as a place of love, protection, support and affection. However the producers present this image through different technical, symbolic and language strategies. The representations of family presented in the two sitcoms reflect the eras of production.The Brady Bunch is a classic situation comedy. The Brady Bunch is an all-white all American patriotic family. Mike Brady, a widowed architect with three boys marries Carol Martin, a single young mother with three young girls. The couple and their formerly-separate families conjoin to become one close-knit blended family. The Brady family also co nsist of Alice Nelson who serves as the family's live in housekeeper.BRADY CHESIREThe themes revolve around family unity, sibling rivalry, dating and misunderstandings.My Wife and Kids is the ideal situation comedy representing today's society. My wife and kids is based on the African American Kyle family. The Kyle family could be described as a dysfunctional family. Michael Kyle longs for a traditional life, but his day-trader wife Janet "Jay" threatens his idea of the ideal family scenario. Michael and Janet have 3 children, their gangsta rap-worshipping son Michael Jr. and brooding daughters Claire and Kady. My Wife and Kids tackle issues such as substance abuse, sibling rivalry, relationships, and teenage pregnancy. Both of these shows depict traditional marriages with masculinity and femininity. In The Brady Bunch Mike is the only source of income in the family, yet he earns enough for the family to live comfortably. This is...

CW1 Rooms division systems Essay Example | Topics and Well Written Essays - 2250 words

CW1 Rooms division systems - Essay Example   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Deadline & schedule. The twenty rooms will be constructed between November 1 to 30 2006 in order to open to the coming December clients and seminar(Hardill, 33) participants. The planning which includes the design, specifications and contracts will be ready by the end of October 10, 2006.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Planning. The design, specifications(Croak, 51) and contracts will be ready by the end of   June in order to give time for the construction team to acquaint itself with the room construction technicalities.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Budget. Since only local room construction materials will be used, except the room door which will be imported from another country, and only expert construction crews will be hired, the cost of construction will be budget conscious. The budget will funded by   loans with the bank and investments from prospective shareholders in the stock market. The budget will easily be recovered within five years’ time based o n a well researched project feasibility study.   .  Ã‚   The hotel staff will hire an outside building contractor to renovate(Hands et al, 33)   all the rooms of the company. The company will save more money because there will lesser   raw materials wastes when skilled carpenters and their co –workers   work together because as the famous saying  Ã‚   goes, united we stand, divided we fall.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Segmentation. The clients will be concentrated on the couples, their family which includes their children and seminar participants. The entire room can easily be converted to a seminar room that has a capacity to seat around one hundred fifty persons.  Ã‚  Ã‚  Ã‚  Ã‚  

FCCs Role in Broadband Regulations Assignment Example | Topics and Well Written Essays - 2500 words

FCCs Role in Broadband Regulations - Assignment Example Reports showed that the differences in socio-economic, geographic and demographic characteristics of the surveyed households affected the significant difference in demands and use of broadband internet. It was between the years of 2007 and 2009 that the use of internet boomed and the result showed that it was in 2009 that highest broadband use was reported with Asian and Whites topping the users ("Exploring the Digital Nation, 2010). In 2010, the U.S. Department of Commerce specified that among the users were the youth, urban residents, well-educated, well-paid and married couples. With these developments, many of us wonder how internet use is controlled and who controls it. Do we have enough laws, rules and regulations governing the internet to ensure that every user is protected against any harm? There may be a lot of questions running through our heads as to what are the possible dangers we are going to face having been so deeply attached and dependent to internet use. This paper aims to recognize the effects of a more open internet use to the privacy of the United States citizens and the role of the Federal Communications Commission (FCC) to broadband regulations and the internet. Established in 1934 by the Communications Act, the Federal Communications Commission as a key agency, it is tasked to control the booming communications (FCC, n.d.). This independent agency of the United States is supervised by the Congress. According to the FCC (n.d.), the commission: FCC is governed by five commissioners appointed by the US President and concurred by the Senate. These commissioners must be of different political party with only three out of five are allowed to come from the same political party. Among the five commissioners, one will be chosen to act as chairman to govern the government agency. This independent agency will