Attention Deficit Hyperactive Disorder Essay -- essays research papers

Consideration Deficit Hyperactive Disorder (ADHD), is the most widely recognized mental issue among kids today. It’s indications are not really clear and start at different occasions. A few kids give sign of having the confusion before they are conceived, others are not determined to have having it until their preteen years. ADHD covers with a few different conditions, further confounding doctors and emotional well-being experts who endeavor to give a finding.      Hyperactive kids, who are frequently misdiagnosed as "emotionally disturbed," make a ton of confusion in the home and at school. The number, seriousness, and sorts of side effects contrast starting with one kid then onto the next, every one of whom show an alternate example of conduct and character. There are, be that as it may, certain similitudes among ADHD youngsters.      ADHD was depicted as right on time as 1845 by the German doctor Henrich Hoffman in his great Der Struwelpeter (Slovenly Peter), an assortment of comical good stories for kids. The saints were taken from his perceptions of youngsters. In 1902, Dr. G. F. All things considered, depicted the conduct of a gathering of hyperactive kids. He knew about no clinical explanations behind their conduct and made no notice of their instructive needs or social abilities. He said that piece of the issue with ADHD youngsters was "deficient preparing in the home." In 1923, analyst, F. G. Ebaugh, was one of the first to distribute an expert paper perceiving ADHD as a drawn out issue requiring collaboration and intercession by a few expert orders.      Over the previous four decades, many marks have been utilized for an assortment of attributes that has come to be known as Attention Deficit Hyperactivity Disorder. Youngsters who have a portion of these characteristics show them more often than not; the sorts, number, and level change inside every kid from second to second and from circumstance to circumstance.      Research contemplates point to a 5 to 10% number of youngsters who have the disorder. A few specialists accept the genuine number is nearer to 20% of everybody. In an ongoing investigation of more than 9000 kids in the Midwest, the quantity of kids who have been restoratively analyzed as hyperactive was about 3%. The quantity of undiscovered kids, in view of information from instructors and guardians, was assessed at... ...D kids additionally have resting issues, coordination issues, are egotistical, eager, careless, and have extraordinary passionate issues.      Some signs that a kid will be ADHD are, evident hyperactivity in the belly, poor maternal wellbeing, mother under 20 years old, first pregnancy, hypertension during pregnancy, maternal liquor misuse, substantial maternal smoking, and medication misuse.      Research now demonstrates that hyperactive kids keep on having various issues as young people, however the hyperactivity has diminished. Issues with hostility, poor self-idea, debilitated companion connections, and poor school execution become unmistakable. The ADHD juvenile is frequently dismal and discouraged.      Children whose obseverable side effects proceed into teenagers have higher paces of wrongdoing and lead issue and lower IQ’s and scholarly accomplishment scores than those whose side effects stop at early puberty. There are numerous useful and sucessful projects for kids and teenagers who have this issue. With the correct assistance and medicine, numerous ADHD youngsters can grow up to have an ordinary existence.

Survival Essays (3060 words) - Camping, Firelighting, Tinder

Endurance Endurance List of chapters Part PAGE NUMBER 1. DEFINITIONS 2 2. Safe houses 2-3 3. FIRE 3-6 4. FOOD 6-7 5. WATER 7 6. Devices 8 7. Endurance KITS 9-10 DEFINITIONS Endurance ? Endurance is rising up out of regular or artificial catastrophe in a superior situation than the normal individual. Readiness ? Readiness is making arrangements before debacle or calamities strike to improve your odds of endurance. Safe house Safe houses are made to avoid the breeze, downpour, and sun. Safe houses are additionally used to live in and get a lot of rest. There are numerous kinds of safe houses. The havens are arranged in to two classifications, normal and man made. Normal safe houses are covers that you can discover normally made or not man made. There are numerous common havens. Here are a few instances of normal safe houses, caverns, rough shades, shrubberies, and some more. You can likewise locate some different kinds of normal asylums. Man made havens are cover that you make. You might be fortunate and locate a surrendered building or some sort of safe house. There are numerous kinds of man made safe houses as to lean, igloos, block covers and some more. Here are a few models underneath that you can make. You can likewise make and make your own one of a kind safe house for your particular needs. Lean - To covers are covers that you lean branches or some thing onto another. You simply need branches or trees, leaves and greeneries. Plants will help waterproof the rooftop and whatever other territories that you need waterproofed. Mud block covers are sturdier however may take more time to construct. You slice the turf in to the size of blocks you need. At that point you can fabricate the dividers for the sanctuary. Next you have to manufacture a rooftop (greeneries would function admirably). Igloos can be made if there is day off. You need a snow heap. First put a rucksack or some item in snow at top. At that point, uncover a passage that is large enough for you to get in and out. Next, burrow until you discover knapsack or item, at that point haul it out cautiously. At long last, uncover or shape within. Here are a few thoughts of haven that you might have the option to assemble. FIRE To assemble a fire you need three kinds of materials. The three sorts of material are tinder, fuel and fuel. Tinder Birch Bark Fine wood shavings Dead grass, leaves Straw Sawdust Dead evergreen needles Totally established pieces of dead logs Fowl down(fine quills) Milkweed, dry cattails, bulrush Fine, dried vegetable strands Build up from pocket and creases Waxed paper Explosive Cotton Fuel Little twigs Little pieces of wood Split wood Overwhelming cardboard Bits of wood expelled from within bigger parts Wood that has been splashed with exceptionally combustible materials, for example, gas, oil, or wax Fuel Dry, standing wood and dry, dead branches Dry inside (heart) of fallen tree trunks and huge branches Green wood that is finely part Dry grasses curved into bundles Peat sufficiently dry to consume (this might be found at the highest point of undercut banks) Dried creature waste Creature fats Coal, oil shale, or oil lying on a superficial level BUILDING THE FIRE Building a fire may take some time, yet at long last it is justified, despite all the trouble. There are for fundamental approaches to construct or lay a fire. They are Teepee, Lean ? To, Pyramid, and Cross ? Dump. Teepee ? Organize the tinder and a couple of sticks of fuel into the state of a teepee or cone. Light the middle and the outside logs will fall internal, taking care of the fire. Shelter - Push a stick into the ground at a 30 edge, with the finish of the stick pointing into the breeze. Put tinder far under the shelter stick. Lean some fuel against the shelter stick. As the fuel bursts into flames include more wood or fuel. Pyramid-Place two bigger logs equal on the ground. Spot a strong layer of littler logs over the two logs. Add 3 to 4 additional layers, each layer littler than the last. Make a little starter fire on top, as it consumes it will light the logs beneath it. Cross-Ditch-Scratch a cross around 12 crawls in size on the ground, and around 3 inches down. Put

College Essay Advisors Infographic, As Seen in NY Mag - College Essay Advisors Admissions Essay Experts

College Essay Advisors Infographic, As Seen in NY Mag - College Essay Advisors Admissions Essay Experts College Essay Advisors Infographic, As Seen in NY Mag College Essay Advisors Infographic, As Seen in NY Mag Have you seen our awesome infographic about The Power of the Modern College Essay in New York Magazine? Check it out in the latest issue: Sources: School selectivity:  Statistics by Christian Termont at Economics of Education Research Associates. (2004-2014) Significant determinants to college acceptance: National Association of College Admissions Counseling report State of College Admission 2014. (2014) How is your essay evaluated?: Published  Interviews with Stacey Milton, Boston University, and Brown University admissions board. (2013-2014) Number of applicants who use consultants: Independent Educational Consultants Association State of the Profession:  Results of the Latest Research. (2012) and Ruth Starkman, Stanford University. (2013) CEA Statistics: Self reported via CEA poll of all clients in 2012  and 2013.   Find out more about College Essay Advisors. Questions?  Contact us  here! About CEA HQView all posts by CEA HQ »

The Cheapest Farm Fair Money Can Rent - 1134 Words

â€Å"There she is, Rachel.† Grunkle Rob said. â€Å"The cheapest farm fair money can rent. I spared every expense.† There was a clicking sound and a yell, and Rachel’s twin brother, Garrett, crashed down next to Grunkle Rob in a cheap Sky Tram carriage. â€Å"I think the Sky Tram is broken,† he said. â€Å"Also most of my bones.† â€Å"Ha ha! This guy.† Grunkle Rob chuckled. â€Å"Alright, alright. I got a job for you two. I printed up a bunch of fake safety inspection certificates. Go slap one on anything that looks anything like a lawsuit.† â€Å"Grunkle Rob, is that legal?† Mable asked. â€Å"When there’s no cops around, anything is legal.† He turned around and walked away. â€Å"Soos! How’s that Dunk Tank coming along?† Soos flipped up his safety visor. â€Å"Almost ready to go,†¦show more content†¦Ã¢â‚¬Å"Oh†¦ Boo. I’ll be right back.† â€Å"I’ll be right here.† Garrett laughed nervously. When Wendy was a fair distance away, he whispered: â€Å"I love you.† â€Å"Look at you two, getting all romantic at the fair.† Garrett saw Rachel appear with a huge cone of candy floss in each hand. â€Å"Come on, it’s no big deal.† â€Å"Yeah it is!† â€Å"Ok, you’re right, it is! Isn’t it amazing? I just dove in; I said ‘Hey, want to hang out at the fair’ and you know what she said?† â€Å"What?† â€Å"’Yeah, I guess so.’ It totally worked! All your advice about just going for it; it has finally paid off!† â€Å"When are you going to learn, Garrett? I’m always right about everything.† Suddenly, she frowned. â€Å"Hey, do you smell a gallon of body spray?† â€Å"Hey, have any of you dorks seen Wendy around?† asked a voice behind them. At once, the twins knew it was Garrett’s rival, Robbie. They turned around to see a stereotypical moody teenager with shaggy black hair in a typical eye-covering emo style hairdo, pale skin and several piercings in his ears. â€Å"And why do you want to know?† Garrett asked agitatedly. Robbie plucked a generous amount of candy floss from one of Rachel’s cones. â€Å"Hey!† Rachel protested. â€Å"I got some super-tight jeans. I just though she might want to check them out.† He stretched and so did his jeans. â€Å"I think I saw her in the Bottomless Pit,† Garrett said. â€Å"You should really jump in there.† â€Å"Maybe I will, smart guy.† He glared and barged

Natural Disasters Challenges And Strategies - 1993 Words

Volunteer Management in Response to Natural Disasters: Challenges and Strategies Cameron P. Beilly Florida Atlantic University On August 29, 2005, just after 9:00 am, Hurricane Katrina made landfall just east of New Orleans, Louisiana (Drye, 2010). Winds near the downtown area were upwards of 125 mph, causing intense wind gusts and 40-foot high tidal surges (Drye, 2010). At 11:00 am, a major levee in the city failed, causing walls of water to come pouring into New Orleans proper (Drye, 2010). Throughout the day, other levies failed leading to a vast citywide flood (Drye, 2010). At least 1,836 people lost their lives as a result of Hurricane Katrina. For days, New Orleans was unrecognizable. Eighty percent of the city was left†¦show more content†¦In order to respond to these devastating events and provide aid to those left in the aftermath, humanitarian relief organizations have to quickly prepare and implement large-scale relief activities, with only a short period of time to do so (Lassiter et al., 2015). To do this efficiently, relief organizations look to the volunteer base. However, because of the limited resources available after natural disasters and the unstable, often dangerous conditions in affected areas, volunteer management is a difficult problem (Lassiter et al., 2015). Moreover, often times due to the large-scale nature of these disasters, relief organizations need to train additional, otherwise unqualified volunteers in order to utilize them in the various tasks of their relief effort, further complicating an already complex relief coordination system (Lassiter et al., 2015). This essay first describes the existing framework present in the United States to coordinate volunteers to assist in the aftermath of a natural disaster and the role nongovernmental organizations have in its implementation, then analyzes the key factors and challenges that affect volunteer management during such extraordinary times, before finally presenting additional strategies for managing the issues described throughout the analysis. The Robert T. Stafford Disaster Relief and Emergency Assistance Act (StaffordShow MoreRelatedThe Total Contribution Of Travel And Tourism Essay1677 Words   |  7 PagesEach Caribbean country is diverse and has its own natural resources and industries. 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According to the UNISDR or the United Nations International Strategy for Disaster Reduction, â€Å"The conceptual framework of elements considered with the possibilities to minimize vulnerabilities and disaster risks throughout the society, to avoid or to limit the adverse impacts of hazards, within the broad context of sustainable development.† The capital of the Kingdom of Bahrain, Manama is where theRead MoreHomeland Security1085 Words   |  5 Pagesout to be frequently and generally identified as both a word and as a Federal department. However, a large amount has been learned since 9/11 concerning the array of further challenges we face. Hurricane Katrina strongly illustrates the general impact of weak preparedness and response in the face of severe natural disasters. 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The hurricane that hit Jacksonville town in Florida crippled the city’s infrastructure. The destroyed power and telephone lines stopped all the communication and transportation systems in the city. The copper wires were left hanging precariously along the charred roads. Looters took the opportunity to steal the expensive copper wires and motorists drove around

Was Public Health Better in the Roman Era or the Middle Ages Free Essays

In my opinion, the Romans had superior public health, as they had much better sanitation and plumbing systems, which were in the Middle Ages available solely in monasteries, rather than entire towns. This was due to the fact that the Romans’ infrastructure and methods of treatment were more developed than Medieval ones, as well as the fact that the Roman government were far more involved in the health of their citizens than later rulers, who found war and developing trade far more important, and viewed civilians’ health as their own responsibility. The Roman towns were also much better planned and built than those in the Middle Ages, which often placed wells and sources of drinking and bathing water in close proximity to cesspits and sewers, which led to infected water and cholera and typhoid outbreaks. We will write a custom essay sample on Was Public Health Better in the Roman Era or the Middle Ages? or any similar topic only for you Order Now Furthermore, many Medieval streets were filled with filth, such as animal carcasses, human and animal excrement, waste from butchers and tanners, and many more sources of disease, as bacteria could grow freely and infect people very easily. As well as this, there were also very poor food standards, and it was not unusual for dishonest meat sellers to sell low-quality meat which could have caused disease, although a law was instated, decreeing that distributors of bad meat would be locked in the pillory. The Romans also had better waste disposal and water transportation systems, which allowed people to obtain clean drinking water, although there may still have been a risk of illness, as most pipes were made of lead, which is toxic. Their medical skills were also slightly better than those of Medieval doctors, as most Roman doctors were much better trained and taught about natural causes of disease, which gave them a considerable advantage over the mostly Church-educated doctors of the Middle Ages, who believed more extensively in supernatural ideas and religion-based methods of prevention and treatment of disease. An example of this is the Black Death, which killed 50 000 people in Europe, and was spread very quickly due to poor sanitation, ineffective cures, which would in many cases have made the patient worse, such as ingesting bile or faeces, or relying solely on prayers or religious ideas, rather than actively seeking a reliable cure, which was impossible without a knowledge of the true cause of diseases, although they did attempt to limit its spread by locking up houses which were infected with the disease. However, the Roman Empire was also poorly quipped to deal with plagues, such as the one which occurred in AD 80, and claimed hundreds of lives. However, public health in the Middle Ages did have some benefits: the towns often employed people such as gong farmers and muck rakers to survey and clean the streets to prevent disease, and remove sewage, although it was not possible to employ enough to maintain the cleanliness. The Romans had a similar system which worked to much greater adv antage. Medieval towns also developed regulations and fines for littering and dirtying the streets, although these could not be easily enforced. As well as this, the rich were happy to pay the fines and continue to deposit refuse in the streets. Moreover, near the end of the Dark Ages, butchers were banned from working in the inner city, which prevented pollution and assisted in keeping the streets clean. In conclusion, I believe that public health was much better under Roman rule, although the Medieval government did endeavour to improve the situation (albeit without much success. ) This is further evidenced by the average life expectancy in each era: it fell from 42 in the Roman era to 35, proving that standards had dropped dramatically since the Roman period. How to cite Was Public Health Better in the Roman Era or the Middle Ages?, Papers

Baking and Other Kitchen Tools and Equipment free essay sample

Roasting or Broiling pan Muffin pan or Cup cake pan Custard cups Baking Tools and Equipment and their Use A. Baking Tools and Equipment 1. Spatula – small spatulas are used to remove muffins and molded cookies from pans which is five to six inches long and about one inch wide. Large spatulas are used to apply icing or frosting cakes. The flexible blade of the spatula is used for various purposes. 2. Flour Sifter–one form of sifter has several sieves for sifting flour. Another form is used to sift flour directly into the measuring cup. 3. Wooden Spoon – this is known as the mixing spoon. Remove food particles and burnt sediment by using a clean damp cloth. Clean the steel shelves very ell. 3. Use a dry cloth to clean the thermometer. 4. Clean the entire oven very well. Cleaning the Mixer 1. Remove the detachable parts. Wash the beaters and bowls immediately after use. Wipe the parts with a dry cloth thoroughly before storing. We will write a custom essay sample on Baking and Other Kitchen Tools and Equipment or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 2. Remove the bowls and wash with cold water after using them for egg and batter mixtures and mashed potatoes. Then wash with warm water.

The Most Important Soft Skill You Might Not Be Developing

The Most Important Soft Skill You Might Not Be Developing The most important skill people  attempting to address the â€Å"skills gap† tend to miss is actually problem solving! Employees: Improve Your Skills!As many as 77%   of employers are determining their new hires based on soft skills like problem solving, communication, and ethics. They know that without these kinds of skills, on-the-job training is more difficult for managers  and colleagues alike.If you are good at problem-solving, then you know how to learn independently- you’ll improve and develop as an employee no matter what context you’re working in. When you get frustrated, you turn that into motivation to find the answer instead of giving up. You know how to maintain  your problem-solving â€Å"muscles† so that they that kick in whenever the going gets tough.In order to improve your abilities, Tim Murphy, founder of ApplyMate, recommends exercise books that give you brainteasers or word problems to solve- these are  low stakes opportuniti es to build your skill set.Employers:  Find and Nurture  this Important SkillAs an employer, Pomeroy recommends developing screening protocols for job applicants, like  tests that ask prospective hires to solve real problems they’re likely to face on the job. Hiring managers  could even build in a collaborative component by asking them to talk through issues with current employees.If you’re looking at your current employees and noticing crucial deficits, consider offering employee training with personal coaches or monthly professional development presentations. You can give your employees agency to identify and address their own areas for improvement. In addition, allowing them to give presentations in groups or alone will build their sense of self-sufficiency. Prioritize problem solving, and you’ll cultivate a workforce that knows how to work together and independently; eventually they’ll solve problems before they happen.How to Identify and Trai n the Skill That Matters MostRead More at TalentCulture World of Work

The Complete Anatomy of a Fish

The Complete Anatomy of a Fish Fish come in many shapes, colors and sizes. There are thought to be over 20,000 species of marine fish. But all bony fish (fish that have a bony skeleton, as opposed to sharks and rays, whose skeleton is made of cartilage) have the same basic body plan.   In general, fish have the same  vertebrate body as all vertebrates. This includes a notochord, head, tail, and rudimentary vertebrae. Most often, the fish body is fusiform, so it is fast-moving, but it can also be known as filiform (or eel-shaped) and vermiform (or worm-shaped). Fish are either depressed and flat or compressed to be laterally thin. Fish Anatomy Explained Fins: Fish have several types of fins, and they may have stiff rays in them to keep them upright. Here are the types of fish fins and where they are located: Dorsal fin: This fin is on the fishs back.Anal fin: This fin is located near the tail, on the underside of the fish.Pectoral fins: This fin is on each side of the fish, near its head.Pelvic fins: This fin is found on each side of the fish, on the underside near its head.Caudal fin: This is the tail. Depending on where they are located, a fishs fins may be used for stability and hydrodynamics (e.g., the dorsal fin and anal fin), propulsion (e.g., caudal fin), or steering with occasional propulsion (e.g., the pectoral fins). Gills:  Fish have gills for breathing. This involves inhaling water through its mouth and then closing the mouth, forcing water over the gills where hemoglobin in the blood circulating in the gills absorbs dissolved oxygen in the water. The gills have a gill cover, or operculum, through which the water flows out. Scales:  Most fish have scales covered with a slimy mucus that helps protect them. There are different scale types: Ctenoid scales have a rough, comb-like edgeCycloid scales, which have a smooth edgeGanoid scales are thick and made of bone covered with an enamel-like substancePlacoid scales, which are like modified teeth and give the skin of elasmobranchs a rough feel. Lateral Line System:  Some fish have a lateral line system, which is a series of sensory cells that detect water currents and depth changes. In some fish, this lateral line is visible as a line that runs from behind the fishs gills to its tail. Swim Bladder:  Many fish have a swim bladder, which is used for buoyancy. The swim bladder is a sac filled with gas that is located inside the fish. The fish can inflate or deflate the swim bladder so that it is neutrally buoyant in the water, allowing it to be at the optimal water depth.

Marketing in a regulated market Essay Example | Topics and Well Written Essays - 1250 words

Marketing in a regulated market - Essay Example Although it is a regulated market, the government decides on the production practices it realizes the tobacco monopoly and does not try to implement measures that would eventually curb the business out of operation (Pampel, 2009:89). The script outlines the basis at which producers deceive buyers, market the product against the wish of ethics and morals, and ignore the constraints issued by the world health organizations to amass profits at the long run, and a documented inclusion of defiant states to the constraints. Further, the script entails the marketing mix variables and the ethical concerns of tobacco. Ethical issues pertaining GBT’s practices The company advertises the Gold brand uniformly through social networks and media, and this aspect catches the public equally, but fails to warn possible buyers on the consequences of smoking. Another ethical concern arises from the untamed advertising that, tobacco contains medicinal value, which is an ancient belief, and the com pany expresses it to increase demand on the output (Smith, 2003:42). The third ethical dilemma arises from the product design and packaging of the cigarettes since there are no warning signs on the Gold brand depicting the possible health hazards of smoking. Distribution of the GBT’s Gold Brand (Place) Tobacco market decline would adversely affect a nation that grows, processes, produces, and sells the cigarettes. The economy of Malu produces tobacco and depends upon it for economic growth and change in the people’s lifestyles. The government allows distribution of tobacco product brands in different channels to reach a wide range of consumer effectively. The famous homemade cigarette brand of â€Å"Gold† sells among all ages in Malu, despite the constraints to refrain from the practice, this practice is unethical to the extent that it will harm the health of the citizens. The product reaches the market via proper distribution and adequate creation of awareness throughout the potential market segments in the south Asian country (Mani and Sandhu, 2006:69). Promotion marketing mix strategy of the GBT’s Gold Brand The various promotion practices of the Gold brand cigarettes are deceptive and meant to retain buyers, entice new ones, recall old consumers, and increase the marginal consumptions. The idea of deception enables the GBT firm to survive in the market since buyers tend to retain the â€Å"value† they derive from consumption of cigarettes and avoid quitting altogether, as they feel affiliated to the product. Therefore, Fiona’s practices are unethical and morally bend to lure citizens in promoting economic growth through consumption of cigarettes and, at the expense of their general welfare and health (Weightman, 2011:87). Pricing strategy of the GBT’s Gold brand The international Tobacco products Manager at GBT, Fiona Fuller defines the best practices that the company intents to take in the process of wedgin g out possible threats that may injure the company’s operations and the desire to acquire the set goals profitably in the next decade. Fiona adapts to penetration pricing in acquiring the market that guarantees the company that the new venture is profitable (Pampel, 2009:95). She understands the presence of strong brands in the market from European nations that currently dominate 20% of market. Therefore, she strategically prices the

Impact of trade unions on firm performance Essay

Impact of trade unions on firm performance - Essay Example They use this power to reach a compromise with the employers (Bennett & Kaufman, 2007). In spite of the outcome, the members of unions must adhere to the solution at which the two parties arrive. The history of trade or labor unions dates back to 1860’s when workers created labor unions that included a vast range of workers (Currie, 2001). However, the unions did not accomplish any notable achievements and they ended up closing their doors. Over time, worker's  approach to trade unions has changed drastically, and they have accomplished commendable results for their members. They have banded a lot of employees from various industries so as to enhance their experience in the workplace (Bennett & Kaufman, 2007). The key function of these unions is to push for improved working conditions and reasonable wages for their members. The leaders hold negotiations with employers regarding issues such as wage increments, better benefits and working hours and more vacation time among oth ers. The decision that the union arrives at is binding for all its members. The leaders also hold regular meetings to handle complains, concerns and recommendations, as well as vote on key decisions before negotiating with employers. In the case where a trade union does not reach a decision with an employer, it may result in a strike (Currie, 2001). A strike is a decision that all members must respect. Trade unions include employees from a given industry such as the agriculture industry, or a specific agency such as local or state government. Furthermore, there are some minimum requirements that unions require from their members in order to get official membership. Some unions require their new members to pay a registration fee while other requires them to have certification in order to join. The unions may include both blue color employees and professional. Different unions vary in terms of the features and qualifications since they operate in different industries and have diverse memberships. In addition to their role in enhancing the conditions of employees, the unions also take part in political activism. During the formulation of legislations especially laws that touch on the lives of workers directly, they send their representatives to influence the outcome. Although the key objective of these unions is to push for improved wages and working conditions in the workplace, this objective also includes political activism. This paper discusses how trade unions impact on performance, as well as outline how employees can best handle trade unions. Impact of trade unions on performance The key goal of the unions is to ensure that their members have the best working conditions, reasonable wages, are not mistreated by employers and get vacations as necessary (Bennett & Kaufman, 2007). However, the impact of trade unions does not only influence these factors. They affect other areas such as performance of employees among others. This can be either in a positive or a negative manner. Trade unions can either result in increased performance or decreased performance depending on the outcome. Increased performance The impact of a trade union can have positive effects on a firm’s performance. Among the key roles of a human resource manager is to motivate employees to perform in a better way. HR managers can motivate employees in a number of ways. These are better wages and working

Marketing Strategies Of Insurance Sector Commerce Essay

Marketing Strategies Of Insurance Sector Commerce Essay The new detarotted pricing regime requires an altogether different underwriting model. None exists now. A new model has to be put in place with no prior experience. Underwriting, that was done by the tariff book till now, needs the application of a sharp human mind, professional expertise, keen knowledge of a particular risk, a sensitive analysis of risk factors and their evaluation, a reflection of the insurers own past claim experience in respect to similar risks accepted to predict the future loss potential of the risk assumed and a cultivated ability to build a rate model that provides a margin to the insurer. With no past experience to guide their efforts, how will the insurers now pick-up these underwriting skills, expertise and knowledge base in a short time? How can the employee mindset, that looked to tariffs for the premium rates be persuaded to look at and collect the vast data that is required to price risks to fit the perceived risk factors? What are insurers doing to make their specialized underwriters acquire these levels of skills, expertise and knowledge? It takes time to build expertise and experience but a beginning has to be made. An insurer is also forced now to redefine his identity either as a low-cost insurer and cut premium rates to stay in business or consciously build price differentiators, because he provides and delivers superior customer-perceived value. Such delivered value may not be financial, but it is highly efficient effective and convenient to an insured, due to the insurers specialized expertise, his particularized. PLACE OR DISTRIBUTION CHANNELS Distribution refers to the arrangements by which the product after manufacturing is moved till it reaches the customer. There are various intermediaries in every business like wholesalers, retailers, etc. In the service business, agents and brokers are intermediaries in the transaction. Insurance business is sold through agents as intermediaries. In India, the regulation provide that an insurance agent can represent only on life and one non-life insurer. An agent has to obtain a licence from the IRDA. Brokers also act as insurance intermediaries. But they are different from agents in the sense that they are independent businessmen either working alone or in partnership. Brokers may be found in the non-life insurance business helping customers whose insurance requirements are complex. They handle big risks and need superior financial and analytical skills. Intermediaries play a very significant role when the claim has to be settled. They have to see that the legitimate claim is duly paid without delays. The other intermediaries at the stage of the claim are: In the case of general insurance, surveyors and loss assessors, who are independent professionals, who are called upon to inspect the damages and losses claimed against. Motor accident claims tribunal to adjudicate on the quantum of compensation that should be paid to the victims of motor accidents. Lok Adalats consisting of judges, to enable expeditious summary disposal of long-pending disputes regarding claims. Review committees (in the LIC) at different levels, the top most being headed by a high court judge, to review claims which have been repudiated on grounds of misrepresentation of fraud. Other organizations like hospitals (for healthcare and medical insurances) or garages (for motor repairs) who facilitate the claims settlements. Direct Marketing Marketing of insurance products can also be done directly. The media used for direct marketing are: Direct mail. Letters sent to consumers on the basis of addresses available from sources like telephone directory, membership lists of clubs and professional associations, stock exchange brokers or registrars to companies. Telephone contacts Television programmes of relatively longer duration Advertisements and loose insertion in main line as well as professional and trade journals. Displays in conferences, services for specialized products linked to the themes of the seminars. Direct contact from the Insurers salaried staff. Stalls in exhibitions and sole exhibitions in remote areas. Call centres or Service centres Kiosks with touch technology Over the counter in big stores. In India, direct marketing is done by the LIC for its group gratuity and superannuation business. In non-life insurance business, almost the entire business from corporate bodies had been done through direct marketing. This business was solicited by the officers of the insurers and not through agents. The internet has opened up new possibilities in direct marketing. Insurance is being used for the following purposes. To provide basic information about available plans to prospects. To provide answers to frequently asked questions about insurance. To provide details of nearest location of insureds representative To provide quotations for premium and for loans To provide information to policyholders about policy status, pending requirements, etc. For premium collection To sell simple policies like personal accident, medical householders pure endowment, annuities, etc. Work Site Marketing This area needs to be tapped, as in any country one of the biggest markets is through the work site. With changes in human resources management policies and compensation packages, group products or work site products do have a definite market that cannot be ignored. Here the advantages would be: Captive customer base Potential to sell individual insurance and group insurance High trust factor High hit ratio for the intermediaries The challenges would be the cost effectiveness, product customization and efficient post-sales servicing, which would determine continued business. Technology has a key role to play in work site marketing to ensure cost benefits. Banks and financial institutions have been successfully marketing credit cards and other financial products using this channel. If not an identical model a similar approach can be used for selling insurance. Internet Through India is joining the fast growing breed of net users, using net for transactions has not yet caught up. Though a few banks provide online banking the usage is still a small fragment. The insecurity associated with transactions over the net is still an inhibiting factor. At present, most of the insurance companies have product information and/or illustrative tools on the Web. We do not see the web evolving into a means for direct selling of insurance in the current scenario. In the Indian market, where insurance is sold after considerable persuasion even after face-to-face selling, the selling over the net, which must be initiated by the client, would take some more time. While the technology capability is there, improvements in bandwidth and infrastructure are needed. Also needed are simpler products where auto-underwriting is possible. Automobile insurance, one of the segments of insurance purchased off the shelf in India, would be the ideal segment to start with. On the life side, term assurance for standard lives with simplified underwriting is a possibility. These channels by themselves will not be able to overcome the mindset of the people, but rather can only be enablers for the human channels. Invisible Insurer In this model, the insurance company or its representative is not the entity marketing the products. The insurance cover is sold by an automobile/credit card company as an add-on product leveraging the brand of the retailer. The risk is carried by the insurance company, which underwrites it. Products like creditor insurance, automobile insurance, and credit card related insurance could be distributed using this channel. This model can be adopted in all market segments for the lines of business mentioned. It is already prevalent in some areas like credit card insurance and crop insurance for agriculture loans. The new players are also attempting this model. The venture of Maruti9 into insurance by setting up two subsidiaries MIDS10 and MIBL11 to sell automobile insurance is a case in point. These firms will largely arrange insurance cover for Marutis captive base. MIDS has been registered as a corporate agent with an exclusive arrangement with Bajaj Allianz General Insurance, while MIBL has linked up with state-owned National Insurance Company Limited. What makes these arrangements attractive is the low distribution cost and captive customer base. However, repeat business or renewal business cannot be assured. In the life segment, group creditor insurance may be the most suitable product for this channel. The postal department started selling life insurance policies way back in 1884 to people working in public sector undertakings and government departments. In 1995, postal department was allowed to sell policies to the general public living in rural areas. The postal life insurance ranks second only to LIC in transacting life insurance business. Last year, business of postal department was higher than of all private life insurers put together. On an all India basis, they sold 27 lakh policies and earned a premium income of Rs. 650 crores. USP is a lower premium and higher bonus, but what is unique is that they dont have any insurance agents selling postal life insurance policies. The business is promoted by a few designated staff and is managed by a separate directorate. PROMOTION The purpose of promotion is to communicate with the market. Promotion tries to influence attitudes and receptivity to eliminate misconceptions and thus to more sales. The IRDA has issued guidelines about advertisements by insurers and the agents or brokers in newspapers, magazines, sales talks, bill boards, hoardings, panels, radio, television, websites, e-mail, portals, leaflets, literature, circulars, sales and flyers, telephone solicitation, business cards, videos, faxes or other communication with a prospect or policyholder urging him to purchase, renew, increase or modify a policy of insurance. The main requirements are: The advertisement programme has to be overseen by an officer responsible for compliance with the regulations. A copy of every advertisement should be filled with the IRDA. Advertisements should disclose the full particulars of the insurer, as well as the form number and type of coverage of the policy referred to. Display the registration/licence numbers on their websites. No third party, other than insurer or authorized intermediary can distribute information or recommended purchase of specific insurance products. Advertisements should not be unfair or misleading. Along with the advertisements, publicity is also an equally strong medium of promotion. In the case of services, the most effective form of publicity is the word of mouth. But both advertisements and publicity can create awareness and also arouse curiosity or interest. These are not powerful enough to generate desire or to provoke action. Thus public relations become important. Public relations refer to separate, planned and sustained efforts made with a view to establish and maintain mutually beneficial relationships between an organization and its prospective customers. PR tools include; all the tools of publicity, lobbying, journals/newsletters, sponsorship of sports and other activities, special drives, entertainment, lunches and dinners, etc. PEOPLE People are the most critical resource in any organization. Without people, no other resource can perform. An employee, who is dissatisfied or worried, may not apply himself fully at work. At the same of interaction with the customer, the employee is alone. The insurance service is judiciary in nature. Thus credibility or trustworthiness, in the perception of the customer, is crucial. The employee can strengthen or erode this. Critical Success Factors for Insurance Change in the Attitude of the Population. There is need for a change in the attitude of the people towards insurance. Insurance is taken just as a tool for tax-saving. But insurance can be taken as shield around their families and business for any unknown calamity and also now-a-days insurance provides good investment opportunity. Thus people have to be made aware about the risk coverage and investment part of the insurance. Open and Transparent Environment created under the IRDA. Insurance as a sector requires players who are financially strong and are willing to wait for returns. Their confidence can only be boosted only if there are open and transparent policy guidelines. This will also help the consumers feel stage that the regulatory is an active one and cares to do everything possible to keep things under control and help the insurance environment grow maturely. Well-established Distribution Network. Bancassurance is becoming more and more popular. Public sector banks like SBI, PNB, etc. have huge network because of their long existence. Therefore they can be successful. Trained Professionals. Initially only insurance agents were considered to be the best salesmen for insurance products. But now with Privatisation and Globalisation more and more professionalism is required in sales efforts. Private players have professional qualified sales force. Rationale Approach to the Investment Criteria. IRDA has guidelines for the investment pattern of the insurance companies to meet its social obligations. But the players feel this compulsion to be unjust and it affects their return on investments. The more the people insured, better the revenue, better the security and ultimately better the morale and productivity. Stringent Accounting Practice to Prevent Failures amongst the Insurers. Insurer has the hard-earned money of the masses. Failure of any of the insurer for any reason can have disastrous effects. To prevent such possibility, a stringent accounting practice is imperative. Level Playing Field for all Insurers. Government should provide unbiased environment to all the insurance players, so that everybody has equal opportunities. With coming of private players, LIC is also focusing on advertising and has become one of the biggest advertisers of its products via using wide range of products, i.e., print and electronic media, sponsoring events, road shows, etc. LIC is focusing both on mass marketing and segmentation strategy. Main focus of promotion activities is one tax benefit and returns from insurance. LIC is focusing on CRM. Challenges for Public and Private Sector Companies Public Sector Companies Private Sector Companies Identity is well established, but the perception of poor service providers is a stigma. Products are not attractive and flexible enough but expensive. To retain their creamy layer clientele who are the most likely to be wooed by the new companies Retain and attract good intermediaries. Match the aura created by the new companies in the urban market. Have to build their identity in a market where the public does not distinguish them. Remove the perception that anything that looks good as expensive. Work against the peoples mindset that they are not here for the long term. Attract intermediaries especially agents with the requisite qualifications and attributes who can market the company and the product. Run the risk of tapping an already insured market for repeat insurance instead of tapping new virgin pockets in the market. MARKETING STRATEGIES OF INSURANCE PLAYERS IN INDIA Introduction of innovative products and services focusing on targeted customer segment. Use the concept of CRM and develop relationship with customers to retain the existing customer and make new customers. Availing the products and services at low cost and with short times. Insurance players have to focus on employees by focusing on their skills and motivating them for continuous improvements in process capabilities, quality and response times. Taking the help of information technology, database and systems in an optimum manner. Punch Line of Some Players Life Insurance corporation of India ICICI Prudential ING Vyasa Birla Sun Life HDFC Standard OM Kotak Mahindra Tata AIG Max New York Bajaj Allianz AMP Sanmar Life is Beautiful. Zindegi ke sath bhi, Zindegi ke bad bhi. We cover you at every step in life. Adding life to insurance Your dreams, our commitment Making life easier for you Jeene ki Azaadi With you always Your Partner for Life We cover almost everything Creating better futures Marketing Strategies of Prominent Insurance Players Life Insurance Corporation of India : LIC is the leader in the insurance sector with around 83% market share. LIC has tied up with corporation bank and Vijaya Bank for distribution of its product. LIC has computerized and linked all 2,048 branches. LIC was the first to introduce online premium payment facilities. LIC is focusing on rural market because of its established brand name. ICICI Pru Life. ICICI Pru is the major competitor of LIC. It has the maximum market share among private players. Companies using tools like workstation marketing, corporate marketing, road shows and stall in trade fair, loading, etc. Its strategy is to achieve scale in premium income and distribution force in shortest time. Focus is more on direct selling apart from communication and building personal relations. Company is marketing at worksite and for corporate customers ha adopted a multichannel distribution model. Company is selling its products as long-term investment plans. Max New York Life (MNYL). Max New York Life is operating with 2,500 agents spread in activities in India. It is using individual agents as its primary source of distribution. It offers flexible products with many options, and riders. The company is using various methods like media advertising, event sponsorship, etc. and tools like direct marketing relationship building to generate awareness and build customer base. The company focuses on the quality of its first sales personnel, i.e., agents. MetLife. MetLife is a global leader in the financial services and it has tied up with Geojet Infolin technologies for marketing and distribution of its products in India. It has followed the strategy of phase-wise introduction of products in the market. It has Bundle method of offering products which includes investment options ranging from insurance, equities, derivatives, mutual funds and TPOs. The market segment on which MetLife is focusing is South India and JK. Tata AIG. The company is following mass marketing to cover as many as lives as possible in the initial years of its operation. It has expertise in assessing the risk covered. Bajaj-Allianz. It is giving competition to public sector general insurance companies. Its main focus is on automobile. Its advertisements are appearing in local newspapers, television and hoarding. Birla-Sun Life. It is focusing mainly on high net worth people so that higher sum assured can be taken up. SBI Standard Life Its products are simple. It is doing branch-wise segmentation. Average size of the policies is smaller. HDFC Standard Life. HDFC is the leader in housing finance in India and Standard Life is the UK market leader. The company is using direct marketing tactics to build HDFC brand and convincing the customers insurance as a protection tool. The insurance sector has gained momentum with the entry of private players. Rather than taking away the market share of existing players, the new players have actually helped expand the insurance market. Their ability to offer innovative products aggressive marketing, as well as the general uptrend in economic growth, have given a boost to the industry. In fact, more players, with public sector banks and leading industrialists jumping into the fray. We take a look at the two major segments life and general to see how the major players are faring.

Explain The Mechanism Referred To In The Above Statement Using The Heckscher-Ohlin Model

â€Å"Trade between advanced countries that are abundant in capital and skill and NIEs (Newly Industrialising Economies) with their abundant supply of unskilled labour was raising the wages of highly skilled workers and lowering the wages of less-skilled workers in the skill- and capital-abundant countries † (Krugman, Obstfeld and Melitz). Explain the mechanism referred to in the above statement using the Heckscher-Ohlin model. The Heckscher-Ohlin model is extremely useful when illustrating how endowments of a particular resource can influence trade between economies.The model shows us how comparative advantage is explained somewhat by the relative abundance of certain resources, such as land, labour or capital. The Heckscher-Ohlin (HO) model predicts that if a country is abundant in a factor of production then it will export the good whose production is intensive in that factor. For instance, if a country has an abundance of land relative to labour, then it will export goods that require land-intensive production, such as crop farming. Abundance, in this sense is defined as a ratio rather than an absolute value, and is therefore a ‘relative’ term when comparing a two country model.To illustrate the above statement, I will use a two country, two good, two factor model. I will name the advanced country, which has an abundance of skilled labour, ‘Foreign’ and will name the newly industrialising economy, which has an abundance of unskilled labour, ‘Home’. The foreign country produces only cars and the home country produces only shoes. Since producing cars requires a lot of skilled labour, Foreign’s production possibility frontier relative to Home’s is shifted more in the direction of cars relative to shoes.This leads to Foreign producing more cars relative to shoes. The ratio of the price of cars relative to shoes is assumed to be constant due to trade resulting in the convergence of prices. If this is co nstant, then the relative supply of cars must be greater in Foreign than in Home. That is, the relative supply schedule for cars in Foreign lies to the right of that in Home, illustrated below. Assuming the demand schedule is identical in both countries, then without trade, Foreign’s own market equilibrium is at ‘1’ and Home’s equilibrium for cars is at ‘2’.When the two countries trade, the relative ‘world’ price converges to a point somewhere in between these two points at ‘3’. We can see from the above illustration that trade leads to a convergence of world prices at point 3. The Foreign economy will therefore export the good that has seen an increase in its relative price. Now that we have seen how prices change under the assumptions of the HO model, I will now explain how these changes have an impact on the distribution of income in countries open to trade.A rise in the prices of cars increases the purchasing powe r of skilled labour (the abundant factor) in the foreign country in terms of both goods. At the same time it decreases the purchasing power of unskilled labour (the scarce factor) in terms of both goods. So by opening up to trade, the owners of the abundant factor become better off, whilst owners of the scarce factor become worse off. Theoretically, opening to trade should increase the consumption possibilities for the whole economy, allowing everyone to gain a higher utility. So why do some people become worse off, post-trade under the HO model?The underlying issue is that trade only changes relative prices of factors, which has a direct effect on the relative earnings of those who possess those factors. Particular industries require a particular composition of inputs, which in most cases is only a temporary problem, but a problem nonetheless. For instance, the shoemaker in the above example cannot simply start producing cars with their limited skill set. This immobility of factors means that those who possess the scarce factor cannot quickly or easily substitute their factor for an abundant factor.This widens the earnings gap between these two groups, which in many cases increases economic inequality. The Heckscher-Ohlin model, unlike the Ricardian model, predicts that factor prices equalise after trade. This is because of the direct relationship between relative prices and factor prices, and due to the fact that relative prices equalise. However, it is important to state that this is a model and does have its limitations when it comes to testing the theory. The model predicts that the two countries produce the same goods, but in reality, countries may produce different goods and may trade with more than one other country.The model also assumes that all countries have the same technology and the same productivity of factors. Again, in reality, economies will have differing levels of technology and will have different productivity levels, which will affect th e rates and wages paid to these factors. Transport costs and trade barriers may also prevent the prices of factors and goods equalising. The effect of trade on the widening of inequality has been a topic of interest among economists in recent years. Empirical evidence seems to support the Heckscher-Ohlin model.Income inequality has risen in the U. S. considerably from the period 1967 to 2007. For this period the Gini coefficient, a measure of income inequality, has risen from 0. 39 to 0. 47. 1 This is a significant increase and does imply that inequality in the U. S. has risen during this period. But this measure does not explain the cause of the increase. Many economists feel that the effect due to trade is relatively small as there are a huge number of other factors that contribute to this statistic, such as domestic policy.Support of the HO model through empirical evidence is weak. However, the evidence was stronger for manufacturing data between low/middle income countries and h igh-income countries. 2 Trefler (1995) suggested that the lack of support of the model might be due to differences in technology and productivity. His findings stated that the HO theory was an excellent model for international trade when, and only when, many of the initial assumptions are relaxed, such as the homogeneity of technology endowment.

Essay Scholarships Samples Free Reviews & Tips

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William Shakespeare s The Elizabethan Era - 1478 Words

William Shakespeare is one of the most famous poets, dramatists, and actors of his time, let alone all of all of history. Though many details of many aspects of his life are uncertain, it is evident through the popularity of his works that he forever remain a distinguished individual of the Elizabethan era. The stability of England under Queen Elizabeth I allowed artists to flourish as the populations attention turned from that of the political and religious scene to more interest based endeavors, including and arguably most importantly, the theater. Though his actual birth date is unknown, William Shakespeare was born in Stratford-upon-Avon and baptized on April 23, 1564. Born to John Shakespeare and Mary Arden, William had seven†¦show more content†¦However, it is known that after whatever education he experienced in his childhood and adolescence came to a halt as he did not continue his education at the university level. Because of this detail, there is speculation conce rning the authorship of Shakespeare’s works. At age eighteen, Shakespeare married twenty-six year-old Anne Hathaway on November 28, 1582. At the time of their wedding Anne was pregnant with the couple’s first child, a girl, named Susanna. The newlyweds produced two more children, a set of twins named Hamnet and Judith, in February of 1585. It is known that Hamnet died at the age of eleven. Following the birth of the twins begins a period in Shakespeare’s life often referred to as the â€Å"Lost Years.† It is known by this name as the author seemingly disappeared from all records for approximately seven years. He was later found in London in the year 1592. It is commonly believed that Shakespeare may have had to leave his hometown, Stratford-upon-Avon, due to theft and poaching related incidents. Though it is only theorized, Shakespeare came to London in the year 1588. It is at this time that the prodigy began to establish himself as the writer and actor w e know him as today. In 1594, Shakespeare was not only working as an actor and writer for the prominent theater company titled Lord Chamberlain s Men, but was a managing partner in the business as well. The company’s name was later