Time With Your Children †Communications Essay

Time With Your Children – Communications Essay Free Online Research Papers Time With Your Children Communications Essay As adults in the United States we lead busy life’s. We have to find time for our family, work and time for fun. In the daily grind of the commute and the eight to five work day it is hard to find time to fit it all in. As a parent I find it hard to be able to accomplish everything that I need to get done in a day. I find myself staying up late to catch up after my child is in bed. Our children are the most important parts of our life’s. They need us to be there to teach them and mold them in to good adults. A part of being a parent is to teach them about their heritage, where their family comes from, about their customs and trends. We conduced a survey to find out how parents communicate with there children and if their customs and traditions had anything to do with it. We interviewed thirty adults in our survey. The Breakdown of racial or ethnic groups is as follows nine Caucasian, nine Hispanic, ten African American, one Japanese, and one Korean. The Breakdown of gender was as follows thirteen Males, and seventeen Females. Those who utilize English or Native Tongue are twenty three English, one Spanish and six uses both English and Spanish. The average time spent with children was 7.6 hours a day. Those who use verbal and non-verbal communication where as follows eleven use Verbal communication only, none only use Non-Verbal communication and nineteen use both Verbal and non-verbal. Do their customs or traditions ever interfere with disciplining your children? Thirteen said yes and seventeen said no. The final thing we found was that if customs and traditions helped with raising your children overall? Twenty three said yes and only two said no. The groups had very different treads. When it came to language Caucasian and black people only use English but Spanish people use a mix between English and Spanish. When it came to disciplining children it was about even and when it came to customs and traditions helped with raising your children most people interviewed said that they did. Here in the United States we are such a diverse county but I believe that we all want to raise good kids and instill our beliefs and traditions of our heritage. Research Papers on Time With Your Children - Communications EssayPersonal Experience with Teen PregnancyEffects of Television Violence on ChildrenAssess the importance of Nationalism 1815-1850 EuropeStandardized TestingHip-Hop is Art19 Century Society: A Deeply Divided EraInfluences of Socio-Economic Status of Married MalesComparison: Letter from Birmingham and CritoThe Effects of Illegal ImmigrationRelationship between Media Coverage and Social and

Get Insanely Organized (Your Way) With Our Latest + Greatest Updates

Get Insanely Organized (Your Way) With Our Latest + Greatest Updates Imagine how much easier your life would be if†¦ You could categorizeprioritize†¦ AND emphasize the stuff that you (and your team) care about. Where you could organize content based on what matters to YOU†¦ †¦(not how a tool thinks you should do it). Where searching for that post or social campaign from 6 months ago takes mere seconds And you always find exactly  what you need†¦ right when you need it. *ahhh* Too good to be true? Think again. Because the #1 calendar for everything YOU need organized†¦ just made a few updates†¦ :) Welcome to your Type-A, organizational powerhouse: Custom Color Labels: Your color labels got even more powerful with added ability to personalize, emphasize, and prioritize your labels with custom colors and text. Updated Filter Menu + Saved Calendar Views:  Your filter menu got a whole lot cleaner and more user-friendly, plus you can actually save the filters you create. And starting today†¦.Tags!  (keep reading) Now, let’s dive headfirst into these three small BUT powerful updates to your calendar†¦ shall we? How To Get Insanely Organized (Your Way) With The Latest + Greatest Design UpdatesMarch 28, 2017: Custom Color Labels Your calendar is  jam-packed with multiple projects†¦ multiple deadlines, and lots of WORDS. Lots and lots of words. *sigh* Luckily, you have those tiny (but powerful) color labels to help you find your content fast. And with the custom color labels updateyour labels got even more powerful. 👀 Now you can actually personalize your labels with custom colors†¦ †¦give your labels a name†¦ AND prioritize them based on what your team cares about! *woop-woop* Basically, they make your calendar about 1000x more organized and more personalized, to boot. 👠¢ So let’s get to three reasons why custom color labels are so awesome. 1. Personalize Your Calendar With Custom Color Labels With custom color labels, you can categorize, prioritize, and emphasize the projects you (and your team) care about†¦ with the colors you care about. Because who doesn’t love a little personalization, am I right?! Especially Type-A marketers (cough-cough) :) And because I know you’re dying to create your custom color labelsfirst, head to your calendar settings. On the right side of the screen is a list of all your current labels (with the pre-set color scheme). To start changing up the colors, click on the circle icon, and select one of the colors listed in the drop down palette, or you can select a specific color by using the color wheel (or put in the exact hex number). So now if you have a custom color scheme you want to use (based on the colors used in your branding) or if certain colors just make you feel happy†¦ you can use them within your calendar! *fist pump* Now onto part two of why custom color labels are the best thing since sliced bread. 2. Easily Identify Your Color Labels By Giving Them A Name No more wasted time translating your mystical color system†¦ now you can give your team the context they need by adding a name to every color label. Which means you can chalk that up to a time-saving WIN. And because you’re a go-getter†¦ here’s how you can easily add text to your color label. All you gotta do is head to the text box next to the color you want to use†¦ and start typing! Pretty easy, right? :) And if you haven’t decided what name to your label (or don’t want to name it at all). No problemo! Any un-named labels will be listed horizontally at the bottom of the dropdown. And just like that †¦ Your labels get SUPER personalized (in just a few quick steps). 👠 3. Prioritize Your Labels Based On What Matters To You (And Your Team) Hate wasting time? Well, you’re in luck Because with custom color labels, you can prioritize your color labels! Which allows you to add content to the calendar fast AND keep your team focused on the right stuff. 😎 So once you have all the labels you need for your team†¦ just drag and drop them into the order that works best for you! And just like that†¦ You’ve mastered the art of the custom color label! *woop-woop* And if you thought that feature was great. keep on readin’ my friend. :) April 18, 2017: Updated Filter Menu + Saved Calendar Views You’re BUSY. Which means your calendar is PACKED to the brim with projects†¦emails†¦ blog posts†¦social campaigns†¦and more importantly†¦ †¦deadlines. Basically, you’ve got ZERO time to spare. And that jam-packed calendar, well†¦sometimes it’s hard to find your content. #sadface BUT you also don’t have any extra time to spend searchin’ for your stuff!! Which is why we updated the Filter Menu And  added a nice lil’ feature called Saved Calendar Views! So instead of spending all that time searching and filtering (and then doing it all over again)†¦ †¦you can find the content you need with just a couple clicks. *happy dance* And since time is of the essence†¦ let’s jump right into the three reasons why these two updates are so sweet. 🠍 ¦ 1. Simplify Your Workspace With Your New + Improved Filter Menu Listen†¦ We know you don’t have any time to waste. Which is why we cleaned up your filter menu so it’s easy to locate the filters you need†¦ so you can find the EXACT content you needfaster. (Because we know that a little efficiency can go a LONG way). ^^truth So here are the deets (and the how-tos) of your new filter menu. How To Use Your New Filter Menu On the upper left side of your calendar, select your new filter button. And once you’ve opened your menu, at the top you will notice the new â€Å"Saved† section. This is where your saved filters will be located (more on that later) And below that list, you will see ALL the options you can use to filter your calendar. The best part? Your filter menu is customized to meet YOUR needs (and your  needs only). For instance, if you aren’t connected to WordPress or aren’t connected any social accounts, neither of those categories will be displayed in your filter menu. Which keeps your menu free from unnecessary clutter†¦ And helps you find your content faster! Talk about a win-win. 👠 Heres how custom color labels make content easy to organize and find in @2. Eliminate The Tedious Process of Filtering Your Calendar AGAIN And AGAIN Let’s be real for a sec The process of filtering your calendar†¦well, it isn’t exactly exhilarating. And what if you are always filtering down to the same view? That means you have to apply the same set of filters over AND over again†¦just to find the content you need. *loud sigh* But luckily†¦ †¦Saved Calendar Views from is here to make it WAY less complicated. Because with  Saved Calendar Views (available on all Team Pro Plans). .the process of filtering your calendar AGAIN and AGAIN†¦ is gonzo. :) Simply drill down into your favorite view (just one time!), and save your filter for quick + convenient access  whenever you need it. And regardless of who you are OR how you use your calendar (whether you’re a large marketing department or small agency) you can use saved calendar views to create the filters YOU need to get sh*t done. ðŸ™Å' The best part? You can even filter your saved calendar views to get EVEN more specific. Booyah! And because we made saved calendar views with busy marketers like you in mind†¦ you can create an *unlimited* amount of saved calendar views. ^^Yep! No limit, my friend. And once you’ve created all the views you need.. you can drag and drop your saved views into the order that works best for you AND easily access them at the top of your filter menu. Basically what I’m trying to say is†¦ saved calendar views allow you to customize your filter menu so that it works best for YOU. Which means you can have your cake (aka sweet customization options) AND eat it too :) 3. Jump Into Projects Faster With Saved Calendar Views Your master calendar view is†¦ well, stressful to say the least. Literally every piece of content, every task, AND every deadline is just staring at you†¦ demanding your attention. But with so much to look at, it’s hard to find what you need to be productive. So, with saved calendar views, you can stop wasting time filtering down to the stuff you care about ..and get immediate access to the view you need right when you log in. *YES* Plus, it’s easy to switch between saved calendar views, so you never have to get caught staring at a busy screen. Which means that instead of wasting time filtering your calendar†¦ you can focus on being productive instead. (!!!) And now that you’ve mastered your updated filter menu and saved calendar views†¦ let’s get to the real reason you’ve read this far†¦ ;) aka the NEWEST feature! Today: [New Feature] Tags Just to recap†¦ remember how much content you have on your calendar? It’s A LOT. *faints* And while custom color labels  helped your calendar get a little more organized and saved calendar views + your updated filter menu  made it easier to locate certain content†¦ we thought there was ANOTHER feature you needed in your organizational tool kit. So without further adolet’s talk about  Ã¢â‚¬â„¢s newest featureTags!! Add an  extra  layer of organization to your calendar†¦ so you can always find what you needwhenever you need it. With Tags from , you can: Tailor the calendar based on how your team stays organized. Create custom categories and groups by adding a tag (or multiple) to your content, so you can create the perfect organizational formula for finding projects fastand getting sh*t done. Simplify your search process + find your content faster.  No more wasting time combing through your calendar. Just search for a specific tag (or even create saved calendar views based on your tags) to quickly find the content you need, no matter where it’s located. So let’s jump into why Tags are so awesome And learn how they are going to make your life infinitely better + WAY more organized.

Literature Review Essay Example | Topics and Well Written Essays - 1500 words - 5

Literature Review - Essay Example There are questions that often come up when the issue of abortion is deliberated upon: some critics believe that abortion compromises known standards of morality and allow people, most especially women, to abuse their bodies without minding that their random sexual habit would backfire in unwanted pregnancies (Dellapenna, 1979). But this assertion may not be true on all occasions since abortion has been deemed necessary in some complicated circumstances: for examples, victims of rapes, sexual harassment and other crimes against women may carry pregnancies that they do not want from such encounters—in such situations, they need to terminate them to remain sane and happy (Dellapenna, 1979). Why has abortion created this much trouble for all parties involved in its heated debate? Abortion, typically, is a medical procedure that involves removing living fetus from the womb of a woman. This process has been in practice over several centuries, but it becomes more pronounced in the current period because of the decay of morality in homes and societies. This has led to wanton sexual behavior that, on most occasions, leads to unwanted pregnancies that would be aborted (Dworkin, 1993). There are two perspectives to the matter of abortion: one school of thought regards the act as a subtle way to kill a living human soul (as in fetus); the other group sees it as an opportunity or right to freedom individual should enjoy, explaining that everyone should have the power of choice—whether to do abortion or not (Dworkin, 1993). The opponents of abortion think that people in America could help themselves if they would pay attention to their lifestyles and/or do Family Planning or Contraceptive Procedures to prevent unwanted pregnancies. The groups that support it believe that everyone could do whatever he/she likes in as much as the laws are not broken—this may include having the freedom to enjoy sex randomly; a practice that could cause

The guarantee of freedom of (and from) religion in America Assignment

The guarantee of freedom of (and from) religion in America - Assignment Example For example, the government is prohibited from enacting laws that aid any religion or establish an official state religion. All this is in a bid to achieve the separation of the state and church at both the state and national levels of government. In the Everson v. Board Education, the court provided a list of activities that violate the establishment and are prohibited by the First Amendment (National Paralegal College 1. They include: the setting up of a state church; the passing of laws which particularly aid one religion or aid religions generally; the forcing of or influencing of persons to attend or not attend church; the punishing of individuals for ascribing to particular beliefs or disbeliefs or for not attending or attending church; the levying of taxes to support religious activities or institutions and; the participation of government in religious organizations or participation in government by religious organizations. The Free Exercise clause is a provision that guarantees an individual the right to propagate or practice a religion without interference by government. Several activities violate the free exercise clause. First, if the purpose of any government action or state law is singling out religion for adverse treatment or hindering or discriminating against a particular religion, then it amounts to a violation of the free exercise clause. ... In Engel v. Vitale in 1962, the Supreme Court termed as unconstitutional a prayer recommended to be part of the public school curriculum in New York State. The Supreme Court struck the prayer down as unconstitutional. In Lemon v. Kurtzman in 1971, a three-pronged test known as the Lemon test was established to determine if a statute is in violation of the establishment clause. Students in public schools are not allowed to recite prayers. However, the practice of a legislature by the state to open its sessions with a nondenominational prayer that is recited by a chaplain has managed to withstand constitutional challenges. In Marsh v. Chambers in 1983, the Supreme Court made a ruling that such a practice was not in violation of the establishment clause (LII 3). In Edwards v. Aguillard in 1987, the Supreme Court struck down a Creationism Act in Louisiana that prevented the teaching of evolution in public schools. This issue still creates debate even today regarding creationism and evolu tion. Other key rulings include Lynch v. Donnelly, West Virginia State Board of Educatio v. Barnette, Wisconsin v. Yoder, and United States v. Lee. 3. What does Tocqueville observe with relevance to these matters? Tocqueville approaches the issue of religion in a pragmatic manner. Tocqueville observes that the American society has a scarce history of state-church alliance. Also, it has a constitutional guarantee against this alliance. Despite this, the American society is extremely open to religious practice’s favorable influences. In his observations, Tocqueville (1) notes that all Christian groups propound a similar morality which is based on loving God and loving their neighbors. This means that they all agree that man has duty to other men.

Bottled Water Essay Example for Free

Bottled Water Essay The trend of carrying and consuming water bottles has expenditly increased in recent years, and its popularity has hit an alltime peak. More and more people are using bottled water because of its easy assecability, and its conveince. Unaware to most, the useage of bottled water has dire effects on the environment, and itself can provide several health risks. Although bottled water can serve as a great convience, the harm it causes to the environment outweights its convience immensly and contrary to popular belief, bottled water is often no healthier than tap water. Despite perceptions that bottled water is healthier than tap water, more times than not, it is not amd bottled water has much more lienant rules when it comes to regulating their water. Bottled water may be no safer, or healthier, than tap water in many countries while selling for up to 1,000 times the price, the World Wildlife Fund said. Bottled water continues to increase its revenue, and is the fastest growing beverage industry in the world, worth up to $22 billion a year. More than half of all Americans drink bottled water, and about a third of the public consumers bottled water on a regular basis. The increased sale of bottled water has been fueled by ads on television or in magazines of luxurious mountains and beauitful glaciers with cyrstal clear springs flowing with the so called purified water. In reality tho, bottled water is not necessarily regulated better or safer than most tap water. The marketing of bottled water is often misleading, implying that water comes from pure springs, when it does not. According to government and industry estmates, about one fourth of botled water is bottled tap water, which is by some accounts as much as fourty percent tap water. The FDAs rules exepmt 60-70 percent of the bottled water that is sold in the United States from the bottled water standards, because FDA said Its rules do not apply to water packed and sold within the same state. The FDA (Food and Drug Administration) is responsible for protecting and promoting public health through the regulation and supervision of food safety, tobacco products, dietary supplements, etc. The FDA also expmets carbonated water and many other waters sold in bottles from its bottled water standards, only applying a vague sanitation rule that failed to set any specific contamination limits. Contrary to popular belief, the FDAs rules are weaker in many ways than EPA (Environmental Protection Agency) rules that apply to tap water. The EPA is responsible for protecting human health and the environment by writing and enforcing regulations passed by Congress, and it oversees specially big city tap water. Due to bottled water companies not follwing EPA rules and regulations, their water can be more harmful than tap water. For instance, city tap water can contain no E. coli or fecal coliform bacteria, bacteria that serve as indicators of contamination. The FDA follows no such rule and a certain amount of any type of bacteria is allowed in tap water. Bottled water plants must test for coliform bacteria just once a week, as big city tap water must be tested more 100 times a month. City tap water must meet standards for certain important toxic chemicals such as phthalate, which can come from plastic, including water bottles. On the other hand, bottled water is also exempt from follwoing this rule. Also, cities must test at least once every four months for many chemical contaminants, water bottlers generally must test only annually. Cities must have their water tested by government-certified labs; such certified testing is not required for bottled water. Although bottled water on the surface appeasr to be healthier to drink, it is quite the opposite and stricter rules for the regulation of bottled water should be placed to ensure the safety their consumers. People around the world believe that water is clearner and safer to drink than tap water. This has resulted into a multi-billion industry of retailing bottled water, but consequently leads to millions of water bottles being produced every year. Although these water bottles are recycable, it is not smart to recycle these plastics die to the chemical componets that manufacture them. As a result of mass producing these water bottles, it has a serious effect on the environme and millions of empty water bottles end up in landfills every year. One of the harmful effects it has on the environment is it can cause soil contamination as time passes on, and this is mainly due to the chemical the bottle is made up with. These chemicals contaminate the soil and as a result, can also affect the surrounding plants grwoth because of the contamination. In addition, ground water may end up sinling deeper into the ground and ultimately reaching the ground water reservoir, meaning that natural water resources are being wasted due to the disposal of these water bottles. exclaimed Joe Hartz. Production of plastic used for water bottles take a lot of energy and resources which can also have negative effects on the environment. Professor Alan Hunt said Since there is more power requirements for production means more fossil fuel is potentially used to achieve the production of water bottles. This can lead to heavily draining of fossil fuel resources. Add to that the fact that more energy and resources are needed from production to post production of these water bottles which can be considered as a waste of limited energy resources. Another harmful way water bottles hurt the environment is emit pollutants and as a direct result make the air more hamrful to breathe. The industrial plants in which these water bottles are being made also produce other harmful wastes that are harmful to the environment. Bottled water produces up to 1.5 million tons of plastic waste per year. According to Food and Water Watch,plastic requires up to 47 million gallons of oil per year to produce. And while the plastic used to bottle beverages is of high quality and in demand by recyclers. Also, recent studies have shown The Plastics Symbol no. 7 is a recent concern worldwide on discovery that large numbers of no.7 plastics are made with Polycarbonate plastic which, experimentally were found to leach bisphenol A.This chemical is a known hormonal disruptor causing miscarriages and birth defects according to a study conducted by Case Western Reserve scientists. Although bottled water serves as a great convience, there is many cheap and effective alternatives to carry water and stop the production of water bottles. One way is to buy a distiller or filter to use at home. Distillers are very effective at reducing the levels of most chemicals, except organic chemicals. The distiller boils the water and condenses the steam, removing any contaminants and most chemicals in the process. Filters also serve as a great alternative to bottled water, as it traps particles in a porous material while allowing water to pass through. In this process, it is reducing particles like sand and rust. Although drinking water in the vast majority of homes meets the Environmental Protection Agency’s standards for quality, some homeowners use point-of-use water filtration systems to help reduce certain contaminants. Most typically, carbon filters are installed on faucets or used in pitchers or bottles. Filter devices are relatively inexpensive and the now clean and purified water can be put into a reuseable stainless steel or aluminum water bottle. These reusable bottles are a cheap alternative and puts back the ease, comfort, and convience of a water bottle but without hurting the environemnt in any way. Another way to help prevent bottled water hurting the environment is making it into a deposit. In doing this, it would encourage more people to recycle the water bottles, as only 20 percent of people currently recycle the water bottles. This would help dramtically cut back on water bottles being put into a landfill, and ultimately saving the environment also and putting money back into the consumers pocket. All these alternatives are act as a great alternative, as they do not harm the environemnt, and in the long run actually save the consumer money. Not only does an in-home filter or distiller only censt ten cents a gallon, it also provides a safer taste than bottled water. Some colleges are starting to take note of this, as bottled water is trickling away from college campuses nationwide, due to the effort of passionate students and non-profits groups. In addition to removing bottled water from vending machines, stores and cafeterias, students have pushed for reusable bottle hand-outs, water fountains, and filling stations. Were really trying to make it part of the student culture to carry a water bottle, says Clare Pillsbury, a Senior at Macalester. In conclusion, recent studies have shown the harm and the uncleainess of bottled water simply does not outweight its convience. There are many other alternatives that provide cleaner and healthier water than bottled water does. These alternatives also do not harm the environment, and in the long run actually save the consumer money and better circualate the economy. Filtered water or distilled water provide the consumer with a more than adequate source of water,and at this point and time, there is no better choice for purity and a more economically safer choice than filtered tap water.

John Scope Monkey Trial :: essays research papers

The ACLU (American Civil Liberties Union) were already aware that the Act was likely to become law because it had been passed by the lower house of the Tennessee legislature by a landslide (in January, 1925). After a few false starts, the ACLU sent a press release to several Tennessee newspapers, such as the Chattanooga Daily Times, announcing that they would provide legal assistance, etc. for a school teacher in Tennessee who would be willing to stand trial for having taught evolution in a public school so that a test case could be mounted to challenge the constitutional validity of the Act. Encouraged by George Rappelyea, (a mining engineer who managed six local coal and iron mines owned by the Cumberland Coal Company), a group of leading citizens in the small town of Dayton* - the "drug store conspirators" - decided to accept the ACLU's offer, in the hope that the publicity surrounding the trial would help to reverse the town's declining fortunes. On May 4th the group recruited John Scopes, football coach and occasional stand-in teacher at Rhea County High School as the subject for the test case, on the basis that he had taught from the section on evolution in Hunter's A Civic Biology - the State-approved textbook. (* Dayton is situated in the valley between the Cumberland Plateau and the Appalachian Mountains. It is just a few miles West of a line from Chattanooga (36 miles to the Sou' Sou' West) to Knoxville (79 miles to the North East).) Rappelyea sent a telegram to the ACLU's New York office. The ACLU replied promptly, accepting his proposal. Scopes was charged on May 7th with having taught evolution on April 24th, 1925. A preliminary hearing on May 10th bound him over pending a specially convened Grand Jury hearing on May 25th. The membersof the Grand Jury, who are well aware of the true purpose of the charge against Scopes, handed down an indictment and Scopes was instructed to present himself at the Rhea County court house for trial on the morning of July 10th. At no time was Scopes held in jail on this charge which, by the way, was only classed as a "misdemeanor", not a "crime." The Overture On hearing about the trial, from the leaders of the WFCA (World's Christian Fundamentals Association), on May 12th William Jennings Bryan volunteered his services to the prosecution. By the end of that week Clarence Darrow had contacted Scopes with an offer to appear pro bono for the defense.

Literature Review on Insurance Management System Essay

ABSTRACT Insurance system automates the management of insurance activities, which involves Defining Policies, Schemes, Policy Specifications, Policy Terms and Conditions, Policies registrations by the customers, Facilitates the Premiums Flexi-Pay modes, Policy Bonus in Flexible periods. The Agents are involved in the process of the Customer Policy registration and the Commissions are based on the targets achieved by the Agents. Insurance System also maintains the database of the Branch Managers who deals with the Agents which in turn deals with the Customers. Before developing this application all activities done manually, then all the activities take more time and also take more manpower. Commission, interests, dues calculate manually, based on this manual problem sometimes calculate the wrong All related information passed one branch to another branch through courier. Sometimes miss the important documents. So these problems overcome when we will develop the system. This system is very helpful to automation of entire Insurance system and also reduces the time and manpower. 1. CHAPTER ONE 1.1 INTRODUCTION Insurance is the most commonly mechanism of managing risk. The term risk is defined as the possibility that positive expectations of a goal oriented system will not be fulfilled. Risk is generally classified into two broad categories: -Speculative Risks which may bring in speculative losses or sometimes speculative profits as well. -Pure risks which are fortuitous in nature and will potentially bring in only losses. Insurance covers only pure risk with an element of uncertainty about their occurring, effective insurance management system aims at optimisation of cover for economical cost and also ensuring availability of protection when it is most needed. An insurance transaction has always been viewed purely in financial terms i.e. the company paying a consideration called premium and in return receiving a promise to be compensated monetarily, for the losses suffered due to operation of insured perils. However, the concept of insurance management system is much wider in scope than th e mere financial implications of costs and benefits of an insurance transaction. Background of the study Insurance Market consists of the buyers of insurance and the sellers together with the intermediaries (agents) who bring the two together. In addition there are also the regulators, representative bodies or organizations, consultants and technical advisers which are part and parcel of the market. The Buyers Anyone who has valid insurable interest i.e., legally recognized relationship with property or pecuniary interest, can insurer their interest. The relationship may arise through ownership, part-ownership or responsibility for goods, or liability to pay damages or certain benefits. In Nigeria the buyers of insurance can be segmented as follows: †¢Individuals and families †¢Governments (federal, state, local) and their agencies †¢Parastatals †¢Multinationals †¢Conglomerates †¢Manufacturing industrial concerns †¢Small and medium scale industries †¢Banking industry †¢Health institutions †¢Tourist and hospitality industries, hotels †¢Transport industry †¢Other corporate bodies †¢Educational institutions †¢Oil and energy industry For marketing purposes the buyers can further be segmented to suit the strategy of the insurer, or the insurance agent. The Sellers The sellers or suppliers of insurance are the insurance companies and the reinsurance companies. At present there are about 118 registered insurance companies and 5 registered reinsurance companies. Most of the insurance companies are incorporated pursuant to Companies and Allied Matters Act 1990. About 106 of them are private limited liability companies while the rest are public companies. About sixty companies underwrite life assurance business with five operating as specialist life offices. The reinsurers provide technical security and capacity for the insurance companies and do not supply insurance directly to the consumers. The Intermediaries (Agents) The intermediaries are mainly insurance brokers and insurance agents. There are 350 registered insurance brokers and about 15,000 insurance agents. The different types of agents have been described earlier in chapter eleven. Nigerian insurance market has been described as brokers market because presently brokers control over 90 per cent of the premium income, leaving less than 10 per cent for insurance agents, and even direct marketing channel by insurers. However, insurance agents dominate the individual life insurance market. The banking industry has become a formidable channel for distributing insurance services not necessarily as intermediaries, but by facilitating a form of direct marketing by insurers. Participation by banks has also thus made mass merchandizing of those insurance products possible. To enrich some of the financial products banks offer certain insurance protection as additional benefits. For example an investor is promised three  or four times the capital amount invested in case of death, payment of benefits in the event of accident, payment of children’s school fees, and insurance cover for goods bought on credit. To meet such obligations, they apply part of the interest due to the investors to purchase insurance on their behalf from insurance companies. This is however different from universal banking which implied direct involvement in insurance broking and underwriting. STATEMENT OF THE PROBLEM Since risk as formed an integral part of our world today, the need arise for insurance in other to combat such risk in our society. 4 major problems arises when trying to create a system to manage such risk, they are risk identification, evaluation, control and financing. The multi disciplinary nature of risk management requires input from all the arrears of the organization. Therefore, the task of identifying and evaluating risks is a problem. Risk control including avoidance and reduction clearly falls within the ambit of corporate safety policy. Protection of property and personnel through effective risk control measures, assumes great significance, particularly in the light of the opportunity costs due to occurrence of a risk (i.e. accident). Risk financing has developed into an important technique of effective risk management, where by costs and benefits of various alternatives are analyzed before arriving at the final decision on what type of insurance to be used. The existing system is the manual system. The manual system is prone to error. It is time consuming. It is very difficult for a person to produce the report. There are chances for changing the scheme report and do malpractice. This system involves a lot of manual entries with the applications to perform the desired task. Usage of papers in the payment process leads to less efficiency, less accuracy and less productivity. †¢Increasing expenditure for papers shuffling and storage. †¢Increasing labours and hence errors. †¢Less control of Amounts. †¢Time delay between the payment and its receipt. †¢Persons who are present in different part of the world cannot transact efficiently. 1.2 SIGNIFICANCE OF THE SYSTEM This system is an online micro insurance Analysis and information management system that provides easy access of information regarding the people and resources of insurance. This site is not a static site but with wonderful dynamic facilities like search tools for insurance awareness articles, guidelines, illustrations through images for visitors. This site also provides several dynamic features. The developed system should allow admin users to register insured persons with their name, date of birth, residence address, medical history and also policy details. After registering all the insured persons, website should provide management facilities like delete unwanted persons’ data. And also should provide awareness to the visitors about micro insurance through articles. Objectives of the system The system would be able to perform two main objectives which are:Functional and qualitative objectives. The functional objectives of the system are; 1.Enable users to select what kind of risks is to be insured 2.Cost of such insurance 3.Registration of customers 4.Show the benefits of using such type of cover 5.Explain what insurance policy in general is available. The qualitative objective of the system is mainly to define the corporate insurance philosophy, firsthand knowledge of the risk involved 2. CHAPTER TWO 2.1 2.2PROPOSED SOLUTION PROPOSED SYSTEM The proposed system is designed to eliminate the drawbacks of the existing system. It is designed by keeping to eliminate the drawbacks of the present system in order to provide a permanent solution to the problems. The primary aim of the new system is to speedup transactions. The report is prepared for the schemes and implemented by the concerned officials. Since the advent of Online Insurance services in the Middle Ages Policy Agents and  policy Holder have used paper-based instrument to move money between Insurance transactions. It comes as no surprise to one that when everything is being converted to computerize. Already the business has to global with the coming of Internet. Now, no more the individual aims at the local market is also just a click of button away. Dozens of companies are in the race to convince auction and bidding that a pot of Policy’s awaits those who conduct their business on the Internet. In this fast race of business and moneymaking, no country, no company and no individual want to fall back. Everyone wants to lead the group. Hence, everyone is trying to make the best use of Internet. The insurance company provides Group Polices to employees of various small and medium sized companies that registered with it. A group policy is one, which an employer provides to its employees. An agent is responsible for getting the client companies establishing a relation with the insurance company. According to hisher need, the policyholder can choose from various products available. The insurance company needs to keep track of details of its target companies, agents, policyholders, their premium payments and the various products that are available with it. Hence it is under tremendous pressure maintaining their day-to-day activities, which is currently being done manually. Entire records have to be updated timely; even a slight mistake could complicate things. It is very difficult to handle bulk data since human memory is weaker than electronic counter part. It is time consuming to summarize these details to produce the reports. Hence there is need for an automated system, which can efficiently manage the company’s records, provides instant access and one that improves the productivity. As a result of this automated system, the activities of the company are performed with in the stipulated time and the reliable and efficient service is ensured to its users. The part of the proposed system contain the following 1)Agent Registration form: New Agent gives their information like, Name, password, Ac no, bank, working details, age, sex, address, e-mail id. 2)Policy Holder Registration form: New Policy Holder gives their information like, Name, password, Ac no, bank, Organization, Occupation, age, sex, address, e-mail id. 3)Admin form: Admin have provision to view all Agent, Policy, and Policy Holder information. First Admin enter their name and Id then only they can access. And also admin have the provision to view, Modify, Delete and insert the Policy, Policy Holder, and Agent. 4)Agent Form: This module is used for agent to view all details about their policy holder/clients and also view their own personal details. 5)Policy Holder Form: This module is used to Policy Holders. They can view their own personal details when login into the Policy Holder module. Fig 2.2.3 dataflow in the system 2.3 ADVANTAGES OF USING THE SYSTEM †¢Mortgage Redemption- The system act as an effective tool to cover mortgages and loans taken by the policy holders so that in case of any unforeseen event, the burden of repayment does not fall on the bereaved family. †¢Risk cover -life is full of uncertainties; in this scenario the use of the system ensures that one enjoys a good quality of life against any unforeseen event. †¢Planning for life stage needs-life insurance provides financial support in the event of untimely death but also acts as a long term investment. You can meet your goals, be it your children’s education, their marriage, building your dream home or planning a relaxed retired life, according to your life stage and risk appetite. Traditional insurance policies i.e. traditional endowment plans, offer in-built guarantees and defined maturity benefits through variety of product options such as money back, guaranteed cash values. †¢Protection against rising health expenses-with the system available, customers can choose from a wide range of plans that would offer the benefits of protection against critical diseases and hospitalization expenses. This benefits has assumed critical importance given the increasing incidence of lifestyle diseases and escalating medical costs. †¢For safe and profitable long-term investment-it builds a long-term savings instrument, also ensures that the customers have a good savings habit. Insurance is a highly regulated sector, the regulatory body,through various rules and regulations ensures that the safety of the policyholder’s money is the primary responsibility of all stakeholders. †¢Peace of Mind: When consumers buy an insurance policy, they can achieve peace of mind. There is a comfort in knowing there is a certain measure of protection from unforeseen tragedies and losses. †¢Asset Protection: Certain  types of insurance policies are designed to protect assets such as homes, cars, boats and other valuable tangible items. The policies will repair or replace these things if they are lost or destroyed. †¢Physical Protection -Some insurance policies are structured to protect the body. In the event that a person is injured, disabled or otherwise physically harmed, these products will compensate for those damages. †¢Income Protection-There is insurance policies available that will protect the ability to earn a living. If, for some reason, a worker is no longer able to continue with gainful employment, these policies can be structured to replace a majority of lost income. †¢Lifestyle Protection-A certain type of insurance is designed to ensure that the lifestyle to which a family has become accustomed will continue for a certain pe riod if a tragedy occurs and the major wage earner in the household is no longer able to produce an income. 2.4 DISADVANTAGES OF USING THE SYSTEM The system has the following drawbacks. †¢Every member organization has its own data structure †¢Due to lack of centralized data structure, it is very difficult to merge the data to analyze the statistics †¢Difficult to search for a data †¢Possibility of duplicates, etc 2.5 CASE STUDY; NIGERIAN INSURANCE MARKET Insurance Market consists of the buyers of insurance and the sellers together with the intermediaries (agents) who bring the two together. In addition there are also the regulators, representative bodies or organizations, consultants and technical advisers which are part and parcel of the market. In Nigeria the buyers of insurance can be segmented as follows: †¢Individuals and families †¢Governments (federal, state, local) and their agencies †¢Multinationals †¢Conglomerates †¢Manufacturing industrial concerns †¢Small and medium scale industries †¢Banking industry †¢Health institutions †¢Tourist and hospitality industries, hotels †¢Transport industry †¢Other corporate bodies †¢Educational institutions †¢Oil and energy industry The sellers or suppliers of insurance are the insurance companies and the reinsurance companies. At present there are about 118 registered insurance companies and 5 registered reinsurance companies. Most of the insurance companies are incorporated pursuant to Companies and Allied Matters Act 1990. About 106 of them are private limited liability companies while the rest are public companies. About sixty companies underwrite life assurance business with five operating as specialist life offices. The reinsurers provide technical security and capacity for the insurance companies and do not supply insurance directly to the consumers. The banking industry has become a formidable channel for distributing insurance services not necessarily as intermediaries, but by facilitating a form of direct marketing by insurers. Participation by banks has also thus made mass merchandizing of those insurance products possible. To enrich some of the financial products banks offer certain insurance protection as additional benefits. For example an investor is promised three or four times the capital amount invested in case of death, payment of benefits in the event of accident, payment of children’s school fees, and insurance cover for goods bought on credit. To meet such obligations, they apply part of the interest due to the investors to purchase insurance on their behalf from insurance companies. This is however different from universal banking which implied direct involvement in insurance broking and underwriting. And most of the activities of insurance between the individuals and such companies are done manually but with the creation of a web based system this could save time in transaction. 3. CHAPTER THREE 3.1 CONCLUSION Effective insurance management lies in balancing the costs and benefits of insurance, through optimizing the coverage at economical cost and further through conscious and careful retention of risks within the world, This is  precisely where the Online Insurance supports and improves many of the core functionality of the insurance organization i.e. insurance project helps in quick easy monitoring of the reports that have been automatically generated as and when the admin and policy agent performs transactions in the system. Using such a system helps the organization in minimizing the time consumed in fulfilling the day-to-day functionality’s and cutting down the expenses incurred on the same. It must also be remembered that insurance is a method of transferring the financial impact of risk and the risk itself. Hence the basic responsibility of the system is to act as a guild in risk management. 3.2 RECOMMENDATION With the internet already in vogue, the government should allow reduce tariffs on web usage in other for easy communication with people who would need such systems. With increased technologies around the world there is need for accessibility to such web based technologies and system. Since the system involves risk management there is need for individuals to have reasons to have their businesses and life insured as this will enable them use such insurance management system. REFERENCES 1.WIKIHOW.COM 2.WIKIPEDIA.COM 3.Seal, R. A. â€Å"Insurance for Libraries: Part I.† Conservation Administration News no. 19 (1984): 8-9. 4.Seal, R. A. â€Å"Insurance for Libraries: Part II.† Conservation Administration News no. 20 (1985): 10-11, 26. 5.EHOW.COM

Knowledge Management Life Cycle

Executive summaryThe concept of Knowledge Management comes from the very definition to capture information and content for deriving a value out of it after performing some meaningful operations.  The life cycle would contemplate the process of knowledge procurement to final derivation of meaningful information for processing and further integration.  The identification of several categories which would act as placeholders for the information must be in right hands equipped with right tools so that appropriate function is performed with it.Knowledge Management Life cycleThe step 1 in this process is the identification of the fact that knowledge is king to any organisation and its evaluation, processing and its implementation must be identified in the proper context so as to capitalize on the resources for its optimum usage.Figure 1 : KM CycleThe first task is the formation of Knowledge Management (KM) teams so that the information falls into the right hands for successful processi ng. The KM teams are responsible for procurement of the information, after a thorough analysis of the business scenario. It is also decided whether the system is feasible to handle the KM process from its thought generation stage to post evaluation stage. The economic, technical and behavioral feasibility is obtained at the first level. After evaluating costs, schedule the process takes a momentum for further proceeding. The key stakeholders of the system are the crucial components and are the burning fuel for successful proceeding with the project.The second stage is the ‘What’ and ‘How’ of the system, meaning what needs to be done? And how will one do it? The capture of knowledge must be identified and analyzed thoroughly so that everything works out successfully in the initiation phase.  The third phase is the process of development. Unless the process is identified accurately, the motive of the KM system remains quite incomplete in nature. What to be processed and the objective for doing it? – the meaning must be quite clear at this level. The processing logic is devised by the expert or a set of experts. The business objectives behind the KM process must be evaluated quite well.The fourth phase would mark the designing of the blueprint which would hold information about the scope of the KM system, its interoperability and scalability issues, required system components and the system design and implementation techniques (Awad, 2001). After the roll of the blueprint the system has got a definition of the exact requirements it desires to cater. The system development is started at this level using a RAD model.  After the design is complete the system architecture is set up and all the inputs and outputs are well highlighted through the use of user interface, authentication issues, collaborative agents, application layer, internet layer, and the physical layout of the system (Fan, 2003). After the development phase, the KM system is verified and validated for any errors and defects.After all the stages are over, the final implementation takes the role of implementation where the present legacy system. It requires conversion of the existing system into the new or transferring the essential components into the new KM system. The final stage is user training and feedback mechanism which adds a new dimension to the system and it creates a self learning environment for further incorporating the deficiencies of the dynamic business scenario (McElroy, 1999).A very challenging environment would be to integrate all the systems in the organizations so that information derived from them can be successfully captured for deriving knowledge which would enter a cycle for further derivation of innovative thoughts for the long term success of the business.ConclusionThe KM process is quite essential for managing the information in any organization and deriving greater innovative business thoughts from the information flow in the business and its correct representation and identification of resources for growth and prosperity in enveloping challenges.References/BibliographyFan Yushan (2003). Knowledge Network and Knowledge Management. See: www.simflow.net/Publications/Papers /Year2003/ljq_ICAM03_0312.pdf   

Free Essays on Salem Witchcraft Trials

â€Å"There is more to be said then hath been for the clearing up of difficulties about the matter of witchcraft† (Sutler 23). The Salem witchcraft trials were one of the last outbreaks of witchcraft hysteria, certainly the largest in the new world, occurred from 1692-1693. 141 people were arrested as suspects and 20 were hung or pressed to death. This was a morbid fact about the founding of the first colonies and the beginning of America. But it happened and the damage was done, thus we cannot try to ignore it and we cannot try to glamorize the subject. We can only present facts and draw our own conclusions. One often states that if he or she was alive at the time then things would have been handled differently, but these are the ones that speak out of order and are the same ones that are oblivious to the facts and the harsh reality of the events that occurred. When a community looks only for evidence of guilt and ignores or suppresses all contradictory evidence, the results are a witch-hunt. And a witch-hunt was developing in Salem as the community felt itself so beset by evil that it was no longer capable of perceiving the good. Although numerous witch craft accusations had occurred in New England prior to 1692 several factors made this outbreak so profound; as Indian attacked the colonists feared for their life, there were deadly cold winters, and there was a small pox epidemic that had been circulating for over a decade. So many of the colonists were wary and growing superstitious about their god abandoning them. â€Å"In some ways Reverend Parris began the witch craft hysteria. Before becoming a minister Parris vacationed to Barbados and returned home with two slaves named John and Tituba Indian† (Guily 293). Tituba cared for Parris’s eleven and nine year old girls. When there was bad weather Tituba would enthrall the girls with tales of voodoo from her homeland. The young girls soon became fascinated with these stories of trick... Free Essays on Salem Witchcraft Trials Free Essays on Salem Witchcraft Trials â€Å"There is more to be said then hath been for the clearing up of difficulties about the matter of witchcraft† (Sutler 23). The Salem witchcraft trials were one of the last outbreaks of witchcraft hysteria, certainly the largest in the new world, occurred from 1692-1693. 141 people were arrested as suspects and 20 were hung or pressed to death. This was a morbid fact about the founding of the first colonies and the beginning of America. But it happened and the damage was done, thus we cannot try to ignore it and we cannot try to glamorize the subject. We can only present facts and draw our own conclusions. One often states that if he or she was alive at the time then things would have been handled differently, but these are the ones that speak out of order and are the same ones that are oblivious to the facts and the harsh reality of the events that occurred. When a community looks only for evidence of guilt and ignores or suppresses all contradictory evidence, the results are a witch-hunt. And a witch-hunt was developing in Salem as the community felt itself so beset by evil that it was no longer capable of perceiving the good. Although numerous witch craft accusations had occurred in New England prior to 1692 several factors made this outbreak so profound; as Indian attacked the colonists feared for their life, there were deadly cold winters, and there was a small pox epidemic that had been circulating for over a decade. So many of the colonists were wary and growing superstitious about their god abandoning them. â€Å"In some ways Reverend Parris began the witch craft hysteria. Before becoming a minister Parris vacationed to Barbados and returned home with two slaves named John and Tituba Indian† (Guily 293). Tituba cared for Parris’s eleven and nine year old girls. When there was bad weather Tituba would enthrall the girls with tales of voodoo from her homeland. The young girls soon became fascinated with these stories of trick...

10 Facts About Frogs

10 Facts About Frogs Frogs are the most familiar group of amphibians. They have worldwide distribution with the exception of the polar regions, some oceanic islands, and the driest of deserts. 10 Facts About Frogs Frogs belong to the Order Anura, the largest of the three groups of amphibians. There are three groups of amphibians. Newts and salamanders (Order Caudata), Caecilians (Order Gymnopiona), and frogs and toads (Order Anura). Frogs and toads, also referred to as anurans, represent the largest of the three amphibian groups. Of the approximately 6,000 species of amphibians, about 4,380 belong to the Order Anura.There is no taxonomic distinction between frogs and toads. The terms frog and toad are informal and do not reflect any underlying taxonomic differences. In general, the term toad is used to apply to anuran species that have rough, warty skin. The term frog is used to refer to anuran species that have smooth, moist skin.Frogs have four digits on their front feet and five on their rear feet. The feet of frogs varies depending on their habitat. Frogs that inhabit wetter environments have webbed feet while tree frogs have discs on their toes that help them grasp to vertical surfaces. S ome species have claw-like structures on their back feet that they use for burrowing. Leaping or jumping is used as a means for evading predators, not for normal movement. Many frogs have large, muscular back limbs that enable them to launch themselves into the air. Such leaping is rarely used for normal locomotion but instead provides frogs with a way of escaping predators. Some species lack these long muscular back limbs and instead have legs better adapted to climbing, swimming, or even gliding.Frogs are carnivores. Frogs feed on feed on insects and other invertebrates. Some species also feed on small animals such as birds, mice, and snakes. Many frogs wait for their prey to come within range and then lunge after them. A few species are more active and follow in pursuit of their prey.The life cycle of a frog consists of three stages: egg, larva, and adult. As the frog grows it moves through these stages in a process known as metamorphosis. Frogs are not the only animals to undergo metamorphosis, most other amphibians also undergo remarkable changes throughout their life cycles, as do many species of invertebrates. Most species of frogs have a large visible ear drum on each side of their head called a tympanum. The tympanum is located behind the frogs eye and serves to transmit sound waves to the inner ear and thereby keep the inner ear protected from water and debris.Each species of frog has a unique call. Frogs make vocalizations, or calls, by forcing air through their larynx. Such vocalizations usually function as mating calls. Males often call together in a loud chorus.The largest living species of frog in the world is the Goliath frog. The Goliath frog (Conraua goliath) can grow to lengths of 13 inches (33 cm) and can weigh as much as 8 lb (3 kg).Many frogs are at risk of extinction. Many frog species are at risk of extinction due to habitat destruction and infectious diseases such as chytridiomycosis.

Enrons Collapse and Ethical Framework Essay Example | Topics and Well Written Essays - 2250 words

Enrons Collapse and Ethical Framework - Essay Example This essay discusses the collapse of Enron company, that presented the social scientists, media and business professionals with several other ethical issues that are prevailing in the business world. The collapse of Enron meant that many employees who were working really hard would also lose their job. The investors or the owners of the company were faced with the ethical dilemma of whether to hold on to the stock and lose their money or to support the company for the sake of hardworking employees who had nothing to do with these frauds. The increase in power of auditors was another source of concern. The Laws that were legislated in response to the corporate failure were a fair attempt to institutionalize the ethical behavior. The harsh laws were implemented for executives trying to mislead using wrong or far-fetched financial figures. It also increased the terms jail sentences for executives that were found to have been involved in any abuse of their power. Auditors can now blackma il the accountants or people working in finance and abuse their power. This will lead to further problem for the companies and create further ethical issues. Both of these issues are related to truthfulness. The employees who are being fair in their work are losing their job despite being truthful and that is something iron. Similarly, auditors require to be truthful the shareholder and the committee that oversees their work. If they are loyal to them then no ethical issues will occur from the increase in power of auditors.