Thursday, August 27, 2020
Health Care Case Study: Financial Statements Essay
Conceptual ââ¬Å"An engaged association is one in which people have the information, aptitude, want, and chance to by and by prevail such that prompts aggregate authoritative success,â⬠(Covey. 2011). Money related administration inside a social insurance association is essential to the achievement and soundness of the association. In this rundown monetary data on Patten Fuller Hospital will be uncovered. In particular, the contrasts among inspected and unaudited articulations and covering the hospitalââ¬â¢s proportions will be incorporated. Data identified with the relationship on income sources and costs will incorporate how the emergency clinic incomes and costs are gathered for arranging and control. Inspected and Unaudited Differences During the long stretches of 2008 and 2009 the Patton-Fuller Community Hospitalââ¬â¢s asset report had a few contrasts with the patient records of about $1,000,000. The disparities between the two added up to $1,000,000; these inconsistencies would be the reviewed explanation that approached to $58,787,000 and the unaudited articulation in 2009 that added up to $59,787,000 (Patton-Fuller Community Hospital, 2011). At that point there were errors on the Statement of Revenue and Expenses of around 1,000,000 during 2009. The inconsistencies between the two that added up to $1,000,000 would be the reviewed articulation that rose to $14,797,000 and the unaudited proclamation in 2009 that added up to $13,797,000 (Patton-Fuller Community Hospital, 2011). The total compensation for the inspected proclamation is 373,000 and, the unaudited is 627,000. Effectââ¬â¢s of Revenue Sources on Financial Reporting A companyââ¬â¢s income originates from an assortment of sources, including the deals of merchandise interests on advances, and pay from leasing or renting. Accountantââ¬â¢s first record income in casual bookkeeping records to follow capital as it comes into the organization. Data records are moved to more formal,â official fiscal reports. The pay explanations, accounting reports, held profit articulations and proclamations of incomes are the four fundamental kinds of budget summaries influenced by income sources. Incomes and Expenses Grouped for Planning and Control The clinics incomes and consumptions are plans and strongly to follow incomes and uses proficiently. The two principle classes of income are, nonrevenue creating, and income delivering. The nonrevenue creating administrations have two developments, general administrations, and bolster administrations. General administrations are administrations, for example, upkeep, and dietary. The help administrations are regulatory expenses identify with representative administrations, for example, pay rates, and worker government assistance administrations. Income creating has two gatherings: nursing administrations and other expert administrations. Nursing administrations has five cost habitats extending from the concentrated consideration units to the working room. Proficient administrations have 15 cost places, for example, crisis room and drug store. These cost communities associate to explicit consumption classes. Consumption gathering is isolated into two classifications, determinations, and systems. Most income in social insurance associations is either findings or methodology. Major symptomatic classes (MDCs) bunch costs with a 27-order framework for determination related gatherings (DRGs). Each DRG speaks to a class of the administrations for patients. This grouping doles out methodology gave to patients current procedural wording (CPT) codes. ââ¬Å"CPT codes speak to a posting of distinct terms and recognizing codes for distinguishing clinical administrations and techniques performedâ⬠(Baker and Baker, 2011, p. 44). End Disparities were found in three zones between the examined and unaudited proclamations. The contrasts between the announcements were immense with understanding records indicating a $1,000,000 distinction, the announcement of income and costs demonstrating a $1,000,000 distinction, and a net gain contrast of $254,000. Corporate income originates from numerous sources. Income is accounted for on different money related structures like salary articulations, asset reports, retainedâ earnings explanations, and income proclamations, which are the four fundamental kinds of budget reports influenced by income. Various classes and administrations exist to aggregate incomes and consumptions into cost focuses that connect to various DRGââ¬â¢s. DRGââ¬â¢s separate the strategies into CPT codes distinguishing the administrations and methods for remuneration. Reference: Bread cook, J.J., and Baker, R.W. (2011). Human services account: Basic devices for nonfinancial chiefs (third ed.).Jones and Bartlett. Group, S. (2011). Helpful Quotes for Business: Empowerment and Delegation. Recovered from http://humanresources.about.com/od/workrelationships/a/quotes_empower.htm Patton-Fuller Community Hospital, (2011). Yearly Report 2009. Virtual Organization Portal. Recovered May 27, 2011 from University of Phoenix
Saturday, August 22, 2020
Human Resources (Healthcare) - Case Study Example | Topics and Well Written Essays - 1000 words
HR (Healthcare) - Case Study Example Thirdly the choice procedure includes comprehension or assessment of an individualââ¬â¢s potential in dealing with dubious or standing up to issues and to work amicably in a pressurized activity setting. So also in the fourth case the choice procedure ought to likewise will in general assess the level of development fused in rendering new activities in a proactive style by the administrative candidates in investigating issues. At long last the determination procedure of the administrators ought to likewise will in general watch the nimbleness in the administration staffs to improve their specialized and procedure ability through learning. Alongside the above parameters explicit apparatuses can be fused like ââ¬ËRole Playingââ¬â¢ that thusly adds to the decrease of the occasion of Role Ambiguity in the working environment. So also separated from leading ââ¬ËPersonal Interviewsââ¬â¢ scales can be satisfactorily intended to rate the conduct properties of the various candi dates dependent on ââ¬ËBehavioral Anchored Rating Scalesââ¬â¢. The scales can be made on a Five Point premise from ââ¬ËVery Goodââ¬â¢ to ââ¬ËVery Poorââ¬â¢ rating the various parameters like ââ¬ËInterpersonal Skillsââ¬â¢, ââ¬ËInitiativeââ¬â¢, ââ¬ËWorking under Pressureââ¬â¢, ââ¬ËLeadershipââ¬â¢, ââ¬ËPrompt Decision Making Potentialââ¬â¢ and others to along these lines present a compelling evaluation of the individual potencies engaged with coordinating the prerequisites of the job set (Rice and Burnett, n.d., p.2-5). The determination procedure for the administrators can be additionally upgraded through the joining of the 360 degree examination program. Fuse of the 360 degree examination contributes in the picking up of successful input from subordinate and friends of the candidates included with the end goal that a powerful choice strategy can be actualized. The manager to be chosen would work to pick up progress for the worry not in a disconnected manner. Or maybe the individual would be require to attract the help of the staffs included whether along a similar level or subordinates to support him
Friday, August 21, 2020
Persuasive Essay Topics Related to Nature
Persuasive Essay Topics Related to NatureIn this day and age, it is important to understand the importance of persuasive essay topics that relate to nature. Most essays are written on several subjects; however, most people are not aware of the importance of writing a good one that connects with nature and people. Why is this?The truth is that everyone is connected to nature. It is apparent that people are happy when they do. People spend their free time outside the house just enjoying the outdoors, relaxing under the sun or watching the rain fall down. Some people like to go fishing or play golf and others would rather enjoy the water sports by swimming, snorkeling or scuba diving.For people who love nature, nothing can beat reading about animals and birds. Nature offers them lots of opportunities to read about the behavior of various animals. Aside from reading about the living creatures, they can also play games in which they learn more about the animals and their habitat. These ac tivities can really help people become more knowledgeable. All these reasons show that people need to write a persuasive essay that relates to nature.However, many people are not aware of how they can apply these ideas. Why is it that these people do not appreciate writing a persuasive essay on nature? They feel that writing a persuasive essay on nature will only be useless since the topics can be related to other things. As a result, they never even bother to write anything at all.There are many persuasive essay topics that relate to nature. When it comes to writing such topics, the goal is to allow the reader to connect to the subject and to learn more about it. People should be able to know what the topic is all about, why it is interesting and why it is so important to people.One important note before you proceed: if the subject is related to biology, there is no need to write about it as it is already included in the entire course. Otherwise, you need to include your relevant e xperiences, especially experiences from nature. You can also include your other experiences of reading.An example of a persuasive essay that relates to nature is 'Nature: An Explanation.' The topic is about ecology and evolution and it helps people understand about their connection to nature. If you want to make your essay more meaningful, include all relevant information that is from nature. If you have some exciting experiences you have had while having fun in nature, it will surely add something new for your readers.So, now you have an idea about the importance of a persuasive essay on nature. Try to include your information from nature to make your essay more successful.
Monday, May 25, 2020
bottled water case Essay - 1418 Words
Bottled Water Case: Industrial Evolution 1. Describe the bottled water industry as presented in the case a. Size in sales: In 2001, bottled water was among the worldââ¬â¢s most attractive beverage categories, with global sales exceeding 32 billion gallons and annual growth averaging nearly 9 percent between 1996 and 2001. b. Projected growth: U.S. per capita consumption had grown to nearly 20 gallons a year by 2001 and was expected to grow to 26 gallons a year by 2005 c. Number of Competitors: Both the global and U.S. bottled water markets had become dominated by a few international food and beverage producers like Coca-Cola, PepsiCo, Nestlà ©, and Groupe Danone, but they also included many small regional sellers that were required toâ⬠¦show more contentâ⬠¦Bottled water consumption and sales have been increasing exponentially since its emergence as a widely-accepted commercial beverage category. The bottled water industry is now growing at 8% to 10% annually ââ¬â about twice as fast as other beverages. In fact, in 2003 bottled water became the second largest commercial beverage category by volume in the United States, surpassing milk, coffee, beer, and is now second only to carbonated soft drinks. d. Demographics (what is the industryââ¬â¢s focus customer) Another significant trend is product marketing and packaging. Realizing that consumers cite taste, quality, and purity as the top reasons for drinking bottled water, bottlers market and design bottles to display their purity. Other manufacturers seek to carve out a new level in the bottled water industry introducing high-end products. Another packaging trend in the bottled water industry is multi-packs. As current bottled water consumption grows, more consumers are turning to multi-packs to save time and money. e. Governmental rule (tightly restricted, loose enough to give industry room to grow/compete.) Bottled water producers in the United States were required to meet the standards of both the EPA and the U.S. Food and Drug Administration (FDA). Like all food and beverage products sold in the United States, bottled water was subject to such food safety and labeling requirements as nutritional labeling provisions and general GoodShow MoreRelatedBattling Over Bottled Water Case Essay1821 Words à |à 8 Pagesââ¬Å"Battling over Bottled Waterâ⬠is the case study I chose to converge on. It focuses on the state of Michigan, which boasts more than 11,000 lakes and almost 36,000 miles of streams. The great thing about Michigan is lakes are present no more then six miles away, as some of the biggest lakes such as Lake Michigan, Huron, Superior and Ernie contributes to the outdoor adventures for many. However; Nestle, a corporation known to many, has been battling a case with Michigan Citi zens for Water ConservationRead MoreSelling Bottled Water By Peter Gleick1577 Words à |à 7 PagesThe chapter ââ¬Å"Selling Bottled Waterâ⬠, by Peter Gleick, works within the argument of Cynthia Barnettââ¬â¢s ââ¬Å"Business in a Bottleâ⬠, which illustrates the superficial and deceptive image of bottled water, due to false advertising and pseudoscientific claims by greedy bottling companies. The companies take advantage of a free resource and make millions in profit. Although utilizing different styles, Gleick and Barnettââ¬â¢s grounds intertwine, exposing bottling companiesââ¬â¢ manipulative tricks while opening theRead MoreHow Harmful Can Bottled Water Be?1031 Words à |à 5 PagesBottled water has become a controversial topic as of late. There are always two sides to every argument, some think that bottled water is beneficial to society, whereas some people think that it is detrimental to society as a whole. Bottled water is detrimental to society because i t costs the country an abundance of money. It is also harmful to society because it is damaging to the environment. A lack of sanitation in bottled water has also been connected to illnesses among people who drink it. BottledRead MoreBottled Water And Drinking Water757 Words à |à 4 Pagesdeal of water, in fact, the average American uses 90 gallons a day (Henshaw). So it is not surprising America has one of the cleanest water reserves in the world (ââ¬Å"Water Qualityâ⬠). A surprising statistic, however, is one-third of the American population drinks bottled water on a regular basis when the majority has clean drinking water at home (Olsen). This might be due to the fact that the bottled water industry has promoted itself as a healthier and more portable alternative to tap water. HoweverRead MoreWater Quality And Contamination. Introduction. Background:.1405 Words à |à 6 PagesWater Quality and Contamination Introduction Background: Drinking water is vital to the health and well-being of human life, without it, life does not exist. Human bodies are composed of 60 percent water. Drinking healthy water is important to maintain a healthy balance of body fluids. Tap water and bottled water in general are safe to drink, the question is how safe and what are you willing to pay to consume healthy, safe water. Most Americans assume the Environmental Protection Agency is protectingRead MoreThe Benefits Of Bottled Water1449 Words à |à 6 PagesWater to Go Water is crucial to life. Every human being needs water to survive. Water helps the body by nourishing the body, makes up most of our body, and helps with a healthy diet. However, people get water in different ways. One way to get this healthy drink is through bottled water. There is a huge debate whether or not bottled water is the way to go. The benefits of bottled water do outweigh the costs by several reasons. Bottled water is often more available. For example, when going on vacationRead More`` Bottled Insanity, By Michael I1448 Words à |à 6 PagesState College. In his article ââ¬Å"Bottled Insanity, Niman claims that the rage for imported bottled water is unnecessary. Niman argues that people in America are ââ¬Å"madâ⬠for Fiji Water because they are ââ¬Å"being sold a fantasy. A moment in Fiji. A taste of Fijiâ⬠. The author describes how this craze for ââ¬Å"designer waterâ⬠is negatively effecting our environment. According to the Niman, to transport a bottle of water from Fiji to Western New York State requires packing the water into cardboard boxes made fromRead MoreThe Benefits Of Bottled Water1483 Words à |à 6 PagesWater is crucial to life; every human being needs water to survive. Water helps the body by nourishing it, making up most of our body, and helping with a healthy diet. However, people get water in different ways. One way to get this healthy drin k is through bottled water. There is a huge debate whether or not bottled water is the way to go. The benefits of bottled water do outweigh the costs by several reasons. Bottled water is commonly more available to the people. For example, when going on vacationRead MoreThe Benefits Of Bottled Water Essay1476 Words à |à 6 PagesEven though bottled water has many disadvantages, there are still some benefits. Bottled water is convenient. Almost everywhere a person goes there are bottled waters being sold. The water is sold at grocery stores, convenience stores, vending machines, and many other places. People can also buy many bottles of water at a time. Some grocery stores sell bottled water that come with twenty or more bottles in the case. Bottled water is a convenient on-the-go hydration solution. For example, people carryRead MoreWater Quality Of Drinking Water1629 Words à |à 7 Pagesdrinking water.â⬠This may not seem serious, but it is Water quality is sometimes unseen, it is a serious issue yet often ignored by many. Most people are convinced that bottle water is the best solution therefore no one really questions the quality of tap w ater. As a result, tap water is rarely investigated, and this leads to a detrimental issues. A three-year study was conducted, for the testing of water quality, as a result the report has found more than 200 unregulated chemicals in the tap water of
Friday, May 15, 2020
How Did The French Revolution Undermine Democracy
Qianying Sui Global 10D 1.23.16 PBA Essay: How did the French Revolution Undermine Democracy Since 1789, increasing discontent for food shortage and dire living conditions in France triggered massive protests against the Old Regime. By overthrowing Louis XVI and absolute monarchy, French citizens began to march toward democracy. However, the desire for participating in political decisions became so radical that fueled by internal and external conflicts, people shifted away from the principles they drew up. To restore stability and enforce laws, the government turned more centralized. Unlike what the revolution intended initially, its ending with Napoleonââ¬â¢s dictatorship totally resembled what it was like before. Such turmoil throughout the revolution merely undermined democracy despite its original aim to increase the public voice in politics. The establishment of the National Assembly that integrated different classes of people into one government signifies the growing public voice in political arena as citizens urged an end to hunger and unfair taxation system. Ever since King XVI summoned the Estates General to tackle the problems of food shortage and economic crisis, the Third Estate, who represented every French except the clergies and the nobles, has been constantly demanding for more voting rights to make peopleââ¬â¢s hardship known to the king and the other two estates. They thus assembled lists of grievances from citizens throughout France which called for a limit toShow MoreRelatedThe Declaration Of Rights Of Women And A Public Speech By Frederick Douglass933 Words à |à 4 PagesThe French Revolution produced many changes both in France and in Europe as a whole. The most evident change brought by the French Revolution was the move from absolutism to republicanism that represents a shift towards democracy. The Declaration of the Rights of Man and Citizen, which was announced in 1789, was arguably the foundations of the human rights and many constitutions in democratic countries like the Britain and America. The concept is based on the ââ¬Å"natural rightsâ⬠that were establishedRead MoreDemocracy in Egypt1073 Words à |à 5 PagesEgypt, in terms of democracy, is limited. Superficially it contains all the basic requirements of a democracy: a parliament, a president and regular elections. However, elections do not a democracy make. In Egypts sordid past it has been occupied, reoccupied and moreover controlled by external forces unique in the Arab world. Strong nationalism has led Egypt through social experiments that failed. Imitation has brought about a parliamentary monarchy cut short by a coup. In the end, Rule fromRead MorePolitical Parties And The American Political System1657 Words à |à 7 PagesThese partiesââ¬â¢ dissenting ideas seem to create non-stop conflict as each party relentlessly competes for the support and votes of the American people. However, over two hundred years ago in the early days of our countryââ¬â¢s government, political parties did not even exist. Early leaders, such as the revered George Washington, feared that political parties would split our country into warring factions that would not only subvert our delicate notion of patriotism, but also weaken public support for the newRead MoreRole of Political Clubs on Frnech Revolution1664 Words à |à 7 Pagesthe course of the French Revolution The revolution begun in 1789 with the meeting of the states general. Soon later the Bastille was stormed (till this day French celebrate it as their national holiday), the king was executed and a new constitution was written up. By 1799, end of the revolution, a new time had come not just for the French government, but for all. The revolution was to have an astonishing impact on world affairs, and its effect can be directly seen today. What french political clubsRead MorePlatos Criticism of Democracy Essay897 Words à |à 4 PagesPlatos Criticism of Democracy Plato, having defined his perfect society, now seeks to compare contemporary imperfect societies with his ideal standard. He initially criticises the imperfect society as a whole, before leading onto a criticism of any given individual within that society; the imperfect character. He has already dealt with the Oligarchic society and character and now moves onto Democracy and the democratic character. Plato states that the Oligarchy, where the ultimate desireRead MoreAPWH Ch1306 Words à |à 7 Pageshistorical periodization. How do the authorââ¬â¢s dates and titles compare to the College Boardââ¬â¢s? What explains the similarities and the differences? Why do you suppose the periodization in world history can be so controversial? UNIT 1 CHAPTER 1: Historical Thinking Skill Exercise: Historical Argumentation: On pages 26-43 of this text, how does the author explain the emergence of agriculture? What inferences does he make? Big Picture Question (BPQ) #2: The Agricultural Revolution marked a decisive turningRead MoreMarxism Midterm Essay : State And Revolution2918 Words à |à 12 PagesMarxism Midterm Essay: State and Revolution Sarah Elberling University of Denver State and Revolution The early 20th century socialist revolutionary theorists Vladimir Lenin, Rosa Luxembourg and Leon Trotsky believed that the withering away of the state and the removal of the capitalist mode of production was a necessary outcome if the individual was to ever realize their true nature as being free, equal and self-determining. This, however, could only be achieved throughRead MoreCivil Right Essay1598 Words à |à 7 Pages1. Discuss when, why and how the Cold War began. Then cite at least one factor that perpetuated the Cold War in each decade from the 1950s-1980s and discuss how the item you selected affected America at home as well. Last, discuss when and why the Cold War ended. 2. Discuss the origins of the Vietnam War, the course of the war over thirty years in the 1940s, and wars impact on the United States, both at home and in terms of foreign policy. 3. Write an essay on the civil rights movement since 1953Read MoreA Questionnaire on the American Samoan Society960 Words à |à 4 Pagesdeference to their elders and hereditary rulers, rather than the more modern (post-French Revolution) concept of equal citizenship for all. Chiefs controlled all exchanges and the distribution of wealth and land, which is also quite different from the capitalistic individualism that lies at the core of modern American culture, and naturally the U.S. colonizers attempted to undermine this traditional system. How did the traditional system of chiefly power reinforce the close knit social system ofRead MoreVarious Topics incomplete1893 Words à |à 8 Pagesand traditional medieval views. How did standards for ascertaining the ââ¬Å"truthâ⬠differ between these two perspectives? Medieval techniques for ascertaining truth differed greatly from scientific views, mostly in part to what was taught in the Middle Ages by the church. Medieval traditional views put more faith in made up truths to fit their own religious dogmas or referring to long trusted authorities. Widely held by the populace in medieval times their views did come from some scientific origin
Wednesday, May 6, 2020
The Gothic Elements in the Picture of Dorian Gray
Abstract In an attempt to find out the purposes of the gothic elements in The Picture of Dorian Gray, this essay takes a close look at the three most prevailing gothic elements in the novel: the portrait, decadence, and the gothic villain by first exploring their presence and development throughout, and then examining their contributions to the characters, the plot development and the themes. First of all, the unique properties and symbolic meanings of the portrait in this novel are discussed. The purpose of the portrait is then analyzed in terms of its effect on Dorian Gray. Then, the theme of decadence is identified in the personality of the protagonist. Its purpose is then investigated by comparing and analyzing the opinions of theâ⬠¦show more contentâ⬠¦Ã¢â¬ , was clearly reflected in his portrait. Under Lord Henryââ¬â¢s influence, Dorianââ¬â¢s change in his mental state and moral values was dramatic. He learned to appreciate decadent art, to conform to the philoso phy of ââ¬Å"to cure the soul by means of senses â⬠by going to opium dens and eventually to completely submit to sin by murdering Basil Hallward. Although Dorianââ¬â¢s decay was hard to observe because his beauty remained intact and thus created an innocent image of him, the portrait recorded his inner change by altering his appearances, as we observe for the first time in the novel ââ¬Å"the touch of cruelty round the warped lips â⬠in the painting after the death of Sybil Vane. The painting provided Dorian a double life, as remarked in Into the Demon Universe: A Literary Exploration of Oscar Wilde: ââ¬Å"The picture of his soul was locked safely away in a dark room while the innocent face he presented to respectable society was only a mask. â⬠Indeed, the portrait became the spokesperson of Dorianââ¬â¢s true personality by altering his appearances according to his corruption of the mind. A more convincing evidence of the portrait being a reflection of Dorianââ¬â¢s moral decadence lies moments before the death of Dorian. At the night of his death, Dorian attempted to convince himself that he had indeed changed and had started committingShow MoreRelatedThe Picture Of Dorian Gray965 Words à |à 4 Pages When looking at Frankenstein and The Picture of Dorian Gray, it is clear that Frankenstein is a novel that can be placed into both the gothic and horror genre, although it is a gothic novel secondary to it being a horror novel; The picture of Dorian Gray isnââ¬â¢t so clear in this regard. On a first reading, one may assume the story to be gothic literature and only gothic literature because of the sheer amount of gothic characteristics and elements that the text presents that include, but are not limitedRead MoreFrankenstein And The Picture Of Dorian Gray As British Gothic Literature1837 Words à |à 8 PagesEnglish 4 AP 27 May 2015 Frankenstein and The Picture of Dorian Gray as British Gothic Literature ââ¬Å"There is something at work in my soul, which I do not understand.â⬠This quote from Mary Shelley s classic gothic novel Frankenstein is very representative of the functional importance of gothic literature to humanity. Gothic literature can be viewed as the dark side of the human soul, as good usually triumphs over evil in storytelling; gothic literature is the release of all the darkness ofRead MoreThe Picture of Dorian Gray and the Turn of the Screw in the Gothic Genre4189 Words à |à 17 PagesOscar Wildes The Picture of Dorian Gray and Henry James The Turn Of the Screw are key examples of the way in which gothic texts use and adapt the conventions of the genre. These changes occur due to the authors own personal context and values. The inexorable link between text, context and values is expressed through the way in which both authors choose to manipulate, redefine and introduce new conventions to the gothic. Oscar Wildes first and only novel, The Picture of Dorian Gray, was writtenRead MoreArt And Art In Oscar Wildes The Picture Of Dorian Gray835 Words à |à 4 Pageslike Plato, Aristotle, Matthew Arnold, to name a few, have made their significant contributions to the study. Challenging much of the set outlooks on art and artists are the views of Oscar Wilde. In the preface to his scandalous novel The Picture of Dorian Gray, Wilde professes his views on art and artist. The preface to the novel starts with the line, ââ¬Å"the artist is the creator of beautiful things.â⬠Oscar Wilde was deeply inspired by the movement of Aestheticism which went by the propagandaRead MoreGothic Literature and Romantic Literature2607 Words à |à 11 Pagesfrom Gothic literature to express their thoughts. Although the novels are unique and valued for their distinctiveness, the borrowed traits remain a parallel between the two genres. Traits such as deterioration of characters, love combating sin, return to animalistic priorities, and alienation of human emotion are all depicted in characters in Romantic literature. These traits are the cornerstones of Gothic literature. Characters from the Romanticism era have been profoundly impacted by Gothic LiteratureRead MoreAn Analysis of Freuds Uncanny4369 Words à |à 17 Pagesof repression and dark secrets was one of the most prominent ones. Linked with these ideas were various elements like coincidences, supernatural powers and spooky settings that set the stage for a mysterious tale. Many authors have made use of these elements of literature to make the readers stay on the edge of their seat. Two books that will be discussed in detail are The Picture of Dorian Gray by Oscar Wilde and The Signalman by Charles Dickens. Uncanny is a concept and theory which covers allRead MorePursuit of Individualism in The Picture of Dorian Gray by Oscar Wilde655 Words à |à 3 Pages In chapter 20 of The Picture of Dorian Gray by Oscar Wilde, Dorian reflects on his past crimes and wonders whether he will ever change and retrieve his innocence again. Throughout the final chapter of the novel, the elements of Gothic novel that Wilde explores conveys the idea of the pursuit of individualism. Dorianââ¬â¢s wild, racing emotions clearly show how much he is driven by his readiness to fulfill his desires under any circumstance. Through this, the use of specific words and punctuation markingsRead Moreââ¬Å"The picture of Dorian Grayâ⬠Oscar Wilde- Born on 16th of October in 1854, Oscar Wilde would700 Words à |à 3 Pagesââ¬Å"The picture of Dorian Grayâ⬠Oscar Wilde- Born on 16th of October in 1854, Oscar Wilde would become one of Londons most famous playwrights of his time. Wilde is remembered by much of his work, including his epigrams, which were brief statements, and his most prominent novel The picture of Dorian Gray, and the conditions of his imprisonment. Wilde is known for being one of the best-personalities of his time because of his ââ¬Å"glittering conversationsâ⬠, flamboyant dresses, and his lip biting wit. WhileRead MoreThe Uncensored Picture Of Dorian Gray Analysis823 Words à |à 4 PagesIn The Uncensored Picture of Dorian Gray, Oscar Wilde presents the theme of good versus evil side of human nature. The depths of what it means to be human is explored by Wilde with the three characters of Basil Hallward, Henry Wotton and Dorian Gary. Each character represents a different side of the conflict between morality and giving into temptation. The three characters equally represent the difference in the class structure of society. The character of Henry Wotton represents the wealthy, properRead MoreGap Between Literary Gothic and Pornography1719 Words à |à 7 Pagesus to depictions of violence and sex, but has it also disabled us in being able to see the difference between what is carefully constructed satire and what is merely pornography? There is probably no text this discussion embraces more in modern gothic literature than that of Brett Easton Ellisââ¬â¢ American Psycho. The novel was surrounded with controversy, ecen before its publication in 1991. Originally, cited to be published by Simon Schuster, the company forfeited from the engagement, including
Tuesday, May 5, 2020
Teenage Depression Essay Sample free essay sample
Throughout America. the rate of teenage is increasing each twelvemonth. About 20 per centum of teens will see adolescent depression before they reach maturity. Adolescent depression can impact a adolescent regardless of gender. societal background. income degree. race. or school or other accomplishments. though adolescent misss study enduring from depression more frequently than adolescent male childs. Teenage depression is a serious subject and it is of import to understand what it is. the symptoms of teenage depression and how it can be solved. Teenage depression isnââ¬â¢t merely bad tempers and the occasional melancholyââ¬âitââ¬â¢s a serious job that impacts every facet of a teenââ¬â¢s life. Adolescent depression can take to drug and intoxicant maltreatment. selfââ¬âloathing and selfââ¬âmutilation. gestation. force. and even suicide. Depression is more than on occasion experiencing blue. sad. or down in the mopess. Depression is a strong temper affecting unhap piness. disheartenment. desperation. or hopelessness that lasts for hebdomads. We will write a custom essay sample on Teenage Depression Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page months. or even longer. Depression affects more than a personââ¬â¢s temper. It drains the energy. motive. and concentration a individual needs for normal activities. It interferes with the ability to notice or bask the good things in life. Of class. most teens feel unhappy at times and when you add endocrines and emphasis to the many other alterations go oning in a teenââ¬â¢s life. itââ¬â¢s easy to see why they have mood swings like loony. Often. teens with depression will hold a noticeable alteration in their thought and behaviour. They may hold no motive and even go withdrawn. shuting their sleeping room door after school and remaining in their room for hours. Teenss with depression may kip overly. hold a alteration in eating wonts. school problem and may even exhibit condemnable behaviours such as DUI or shrinkage. Those are merely a few illustrations of symptoms that may originate when looking for depression in adolescents. Even though depression affects 1000000s of adolescents. it is treatable. Though. there is no one-size-fits-all attack for adolescents who are depressed. I would state that bar is ever better than remedy. If we could forestall adolescent depression so there would be no demand to bring around a down adolescent. As a parent or grownup that recognizes the warning marks before they become terrible so you may be able to assist that adolescent prevent going down and seek aid before the depression boots in. If in fact the depression has already affected the kid so it is really improtant to seek medical aid every bit shortly as possible before it becomes excessively late. Depression is the worldââ¬â¢s figure one psychological upset and self-destruction is the 3rd prima cause of decease amongst adolescents. It has been known for down adolescents to turn to suicide if they dont recieve the proper medical attending that is needed to handle depression. Some parents are even traveling to reding with their kids to make an unfastened forum where a adolescent feels like they can open up and portion their feelings. Teenage depression is a serious issue. but it can be helped when you know the symptoms. Depression is a existent and serious status that can derail lives and set a kid at hazard. No 1 needs to be left entirely to conflict depression. Acknowledge the marks and symptoms and you may do a difference in somoneââ¬â¢s life.
Saturday, April 11, 2020
Gay Rights Speech Essay Research Paper Speech free essay sample
Gay Rights Speech Essay, Research Paper Address in the Gay Rights Convention Prejudice against homophiles is like warfare, in which there is no shelter and everyone is involved. The job with bias and hatred offenses is that many people are incognizant of what they are. Many people today are disgusted with the construct of bondage and racism towards inkinesss. But one impression that people fail to grok is that they are emulating the Puritan? s straightlaced beliefs and are prejudice against homosexuals and tribades. Many people are unmindful of the Torahs that prohibit homophiles the rights that characterize them as human existences. Most of you do non believe about your rights and they are often taken for granted. Besides, legion sums of people have preconceived impressions of how homophiles behave. ? Attitudes toward homosexualism were overpoweringly negative. Homosexual activities were hidden and spoken of merely in susurrations, and homosexual behaviour? was a condemnable discourtesy in most of the United States. We will write a custom essay sample on Gay Rights Speech Essay Research Paper Speech or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Homosexuals were capable to stereotypes and bias. Gay work forces were viewed as effeminate, tribades were portrayed as mannish, and both were seen as being obsessed with sex, with small self-control or morality. ? All I ask of you is to look around. Gays and tribades are portion of society. Peoples, such as your neighbours, hairstylist, relations, friends, and people you have known all your life could be cheery! Does that do them different? Many people say that homosexualism is non natural. But I ask you, what is natural? They are a constituent of society, and we must allow them equal rights. Homosexuals and tribades encounter spiritual unfavorable judgment and societal unfairness everyday of their lives. Homosexuals suffer unfavorable judgment from spiritual groups because some spiritual texts discriminate against diversified life manners, civilization, tegument colour, and beliefs. Many people support the thought of legal and societal acknowledgment of rights between people of the same gender. Some Christians claim that their resistance to homosexualism and homosexual matrimonies is non in the Bible. But do we non hold the freedom of faith in this state? Most of your ascendants ran off and traveled to this state to get away the wrath of some faiths. Why must we make this to other people? Most heterosexual Americans feel that their life style is being threatened by anything that is different. The book of Genesis does non even mention homosexualism in a negative intension. ? The Genesis history does non prohibit homosexualism ; it merely does non mention to it # 8230 ; A cheery twosome could barely get down the population procedure. But these poetries can non be seen as a theoretical account for all twosomes: many heterosexual twosomes are childless, or unable to hold sexual dealingss. Are they in wickedness because they do non conform to the Genesis history? ? 2 ( n pag ) . So when person asks you if you support cheery rights, are you traveling to state that you disagree because you are racist? Equally good as spiritual unfavorable judgment, homosexuals and tribades has to digest societal unfairness. Imagine falling in love with the individual of your dreams and you are be aftering to acquire married and pass the balance of your lives together. But what if this individual is a different race? Generations ago, this would hold neer been acknowledged, but in today? s society it does non look to be a job. Does the colour of a individual? s tegument alteration who they are on the interior? Most people do non know apart against minorities because of the colour of their tegument, so why do people know apart against homosexuals and tribades because of what is in their Black Marias? Would you allow the authorities to command you on whom to love ; how to populate ; and how to experience? Since homophiles can non acquire married, they work harder for relationships. They travel far and acquire marr ied, and divorce is really uncommon amongst twosomes. Harmonizing to the Americans Civil Liberties Union, many benefits that homophiles are denied include ; societal security, Medicare, infirmary trial rights, particular rates, freedom on revenue enhancement returns, joint kid detention, joint insurance policies, automatic heritage from a will, doing medical determinations on the spouses behalf, and taking a concluding resting topographic point for a asleep spouse. Most heterosexual Americans believe that their manner of life is being threatened by anything that is different. Society is terrified of the unknown, and it is this difference amongst people that spread rumours and misgiving. Distrust leads to detest offenses such as when? A 20-year-old Gay University of Arizona pupil was sitting at a caf? when a adult male came up behind him and punched and stabbed him with big knife. Witnesses heard the culprit stating that he had? killed a fââ¬âing fagot, ? ? this is what gays deser ve, ? and? allow this be a warning to the homosexual community. ? â⬠3 ( n pag. ) Hopefully one twenty-four hours we will recognize the favoritism involved with denying rights to groups of people. Unless people open their heads and terminate spiritual and societal quandary towards homosexuals and tribades, the bias will non abstain. Unless we begin taking action and helping world to come to clasps with who they are, we can non discontinue the bias towards homophiles. Peoples grow up ashamed of their gender and seek to transformation into something they are non! If you want assist halt bias and hate offenses against homosexuals and tribades, write to your congresswoman and allow him cognize your sentiments. Be a bigger individual than most of society ; accept mankind the manner it is. Mankind has been given a gift, it allows us to see past different faiths, civilization, beliefs, and more of import, life styles. Be directly ; non contract. # 8220 ; Homosexuality, # 8221 ; Microsoft? Encarta? 98 Encyclopedia. ? 1993-1997 Microsoft Corporation. All rights reserved. Encarta goes into deepness to explicate the history and the functions that homosexualism has played in the yesteryear. Besides, it describes the attitudes directed towards homosexuals and tribades. Encarta besides illustrates the activism and currents issues in the universe today. 2 Dallas, Joe. ? Reacting to Pro-Gay Theology? Internet * hypertext transfer protocol: //www.leaderu.com/jhs/dallas.html* Mr. Dallas is a spiritual, cheery adult male who speaks around the state and enlightens people about the bible and homosexualism. He finds that the Bible does non proclaim any negative comments toward homosexualism. In contrast, spiritual citations are give that opposes Mr. Dallas statement. The citations are analyzed for the true significance of the text. Besides, this three-part series will turn to the pro-gay divinity by spliting its statements into three classs: societal justness statements, general spiritual statements, and biblical statements. 3? February 6, 2000, Tuscon, Arizona? . A Chronology of Hate Crimes? 2000. Human Rights Campaign. Internet. * hypertext transfer protocol: //www.hrc.org/issues/hate/chronologyHC_2000.asp* The human rights run ( HRC ) lists some of the hate offenses against homophiles, every bit good as other minorities. The HRC depicts the how the hatred offenses reported on the footing of sexual orientation are increasing. In 1998, there was an 14.3 per centum addition in reported hate offenses against homosexuals and tribades harmonizing to the Federal Bureau of Investigation # 8217 ; s ( FBI ) Uniform Crime Reporting Program, doing them the 3rd highest class reported to the FBI. This addition is peculiarly distressing since, overall, serious offense continues to diminish nationally. Since the FBI began roll uping statistics in 1991, hate offenses based on sexual orientation have about tripled
Tuesday, March 10, 2020
Financial Inclusion Essays
Financial Inclusion Essays Financial Inclusion Essay Financial Inclusion Essay CONCEPT OF FINANCIAL INCLUSION Financial inclusion denotes the provision of affordable financial services, (viz. , access to payments and remittance facilities, savings, loans and insurance services) by the formal financial system to those who tend to be excluded. The various formal financial services include credit, savings, insurance, pension and payments and remittance facilities. The most commonly understood objective of financial inclusion is to extend the scope of activities of the organized financial system of banking services mostly, to include within its ambit people with low incomes. In India the emphasis of the financial inclusion programmes at present is restricted to ensuring a bare minimum access to a savings bank account without frills, to all. Globally, financial exclusion has been observed in a much wider perspective. Merely having a current account/savings account on its own, is not regarded as an accurate indicator of financial inclusion. Narrowly, financial exclusion denotes a situation where people do not possess either a saving account or a loan account with a formal banking institution. Though this explanation is useful to recognize the unbanked individuals uickly, it does not seem to be appropriate to undertake an in depth study on the nature and drivers of financial exclusion. A more comprehensive definition of financial exclusion endeavours to relate it to the exclusion from the main stream financial system, comprising of banks and other financial institutions, insurance companies etc encompassing other ideas of financial illiteracy, financial discrimination and financial exploitation. Financial literacy tends to be associated more with numeracy skills and also the ability to understand more complicated products. : Financial awareness on the other hand would indicate a cursory nderstanding of what instruments are out there and which one can take advantage of. The low level of financial literacy is sometimes blamed on the failure of many government initiatives to increase financial inclusion. However, in many cases, the lack of information that the target beneficiaries display may be the result of lack of information or lack of financial awareness. While studies show mixed results in the long term impact of financial literacy training, lack of financial awareness should be much easier to correct. Specifically in the context of the financial inclusion drive, media reports have pointed owards the low levels of financial literacy as one of the reasons why the drive has failed. While ensuring that the entire unbanked population of India becomes financially literate seems like a formidable task, ensuring that the unbanked population hears about the drive, the benefits of a savings account and how to use one seems much more achievable. Absolute financial exclusion results in poverty and this consequently leads to social exclusion. The outcome of social exclusion is again financial exclusion and thus a vicious cycle is shaped. This also causes financial iscrimination and even worse, financial exploitation of the poorer sections of the society. At a micro level, the division between haves and have-nots keeps broadening, while at a macro level, this shakes national and economic growth. Markets exclude people on the grounds of lack of sufficient income which can be translated into purchasing power, lack of assets whether physical or financial, lack of capabilities acquired through education, training or experience which are translatable into labor, and those sections of people that have no market values such as tribal populations. In India, most authors have categorised these causes based on atterns in deifferent case studies as: 1. Most frequent including low income, nil or low savings, lack of assets, unemployment and use of inappropriate products. 2. Less frequent including psychological/disability issues, feeling of being excluded, indigenous/ethnic issues, geographical remoteness, lack of pc/internet access etc. 3. Personal factors such as cultural norms, gender, age and legal identity VARIOUS DIMENSIONS OF FINANCIAL EXCLUSION 1. Access Exclusion People may be monetarily excluded either by denying a savings account or a loan or credit account to them by the banks. Banks appear to be contented in offering saving ccount to people as it does not implicate any risk, except for verifying the identity of the customer. But, banks are very often unwilling in opening loan or credit account as they have to make some risk valuation in respect of the prospective borrower. Thus some individuals do not get access to credit account as they are expected to be assessed credit unworthy by the banks. . Condition Exclusion Sometimes certain conditions attached to financial products make improper to the disadvantaged people. The most common instance being prescribing margins and asking collateral securities, a problem that was addressed recently by the Ministry of Finance, Govt. of India by directing the banks to sanction education loans up to 4 lakhs without any collateral security. 3. Price Exclusion The prices (mainly interest rates) and service charges of selected financial products are not attractive to the prospective borrowers. If the banks are reluctant to offer these products at reasonable rates, people particularly living on low income may find themselves excluded from the conventional banking system. 4. Marketing Exclusion Since the advent of financial reforms in 1991, banks both Public Sector Banks and New Generation Private and Foreign Banks have been in a cut throat competition to ntice high worth customers. They seem to have been implementing marketing tactics for their products targeting at the high valued customers. This customer categorisation in practice excludes the poor and vulnerable from the banking system. The opening up of large number of NRI branches is enough to exemplify this issue. 5. Geographical Exclusion People living in far-flung and geographically terrain places are at the risk of being financially excluded. Bank closures in a specific geographical area may even lead to the financial desertification of that area. 6. Technological Exclusion In the recent technological era banks have undergone a transformation from the Brick mortar infrastructure staffed banks to internet and mobile banking. Such new generation banking techniques cannot be practiced by people having no basic understanding in computer related processes. Hence such people are likely to be excluded from the contemporary banking operations. Financial inclusion has many benefits. Following are some of the benefitssummed up. It paves the way for establishment of an account relationship which helps thepoor to avai a variety of savings products and loan products for housing ,consumption, etc. An inclusive financial system facilitates efficient allocation of productiveresources and thus can potentially reduce the cost of capital. This also enables the customer to remit funds at low cost. The government canutilize such bank accounts for social security services like health and calamityinsurance under various schemes for disadvantaged. From the banks point of view, having such social security cover makes the financing of such personsless risky. Reduced risk means more flow of funds at better rates. Access to approp riate financial services can significantly improve the day-to-day management of finances. For example, bills for daily utilities(municipality, water, electricity, telephone) can be more easily paid by usingcheques or through internet banking, rather than standing in the queue in theoffices of the service. Transfer of money can be done more safely and easily by using the cheque,demand draft or through internet banking. A bank account also provides a passport to a range of other financial productsand services such as short term credit facilities, overdraft facilities and creditcard. Further, a number of other financial products, such as insurance andpension products, necessarily require the ccess to a bank account Lastly, the Employment Guarantee Scheme of the Government which is beingrolled out in200 districts in the country would bring in large number of peoplethrough their savings accounts into the banking system. Cross country experience t has been estimated by Consultative Group to Assist the Poor (CGAP) that about2. 5 to 3billion people around the world are still excluded from basic financialservices. The situation is particularly dire in the Least Developed countries. In mostof the developing countries like India China the extent of exclusion is in the rangeof 25%-65%. So, taking into cognizance the importance of financial inclusion, theinternational community has taken a number of measures to mitigate the hiatusbetween the financially excluded non- excluded. The following analysis describesthe extent measures taken by different countries to mitigate financial exclusion. USA In USA of total households 22% of the low income households gowithout the banks there to provide banking services to all the needy. Some stateslike New York made it mandatory for the banks to provide accounts to all citizens. U. K. Nearly 12 percent of Englands households are unbanked. Free face to face moneyadvice to targeted groups in the areas of high exclusion is in vogue. The govt has setup a Financial Inclusion fund of 120 mn pounds to support initiatives to tacklefinancial exclusion.. An enhanced legislative environment for credit unions hasbeen established, accompanied by tighter regulations to ensure greater protectionforinvestors. A Post Office Card Account (POCA) has been created for those who areunable or unwilling to access a basic bank account. The concept of a SavingsGateway has been piloted. This offers those on low-income employments El fromthe state for very El they invest, up to a maximum of E25 per month. In additionthe Community Finance Learning Initiatives (CFLls) were also introduced with aview to promoting basic financial literacy among housing association tenants. Australia Only 3% of adults lacked bank account in Australia till 2002-03. This has been theresult of continuous Joint efforts by government the banks in educating the peopleabout the benefits of financial products. France In 1984 the bank of France through Banking Act made access to bank accounts alegal right in France. In 1992 the banking industry in France signed a charter oprovide bank account to all. Bangladesh. Grameen bank of Bangladesh under the stalwartship of Md. Yunus hasrevolutionized the movement of financial inclusion. It targeted low income peopleespecially the women (97% of total borrowers) who were denied credit by othercom. Banks. It has successfully posted a recovery rate of 98. 85%. It has also recentlyincluded the beggars within its credit network under a special program i. e. Struggling Members programmed. Approximately 81000 beggars have already beenbenefited by the programme. South Africa. More than half of the population here are below poverty line. Only 4% of otalpopulace has bank accounts 1% only avail credit from formal sources. To dealwith the situation Dakar Conference ha been organized under the banner of U. N. ln2004, UNDP UNCDF Jointly lunched a program called Building Financialsecurity in Africa. MF, U. N. World Bank have extended very good support for building an inclusivesociety in the world. U. N. has framed Blue Book in consultation with thedeveloped underdeveloped countries as a tool guide for policy makers whoseek to build inclusive financial growt Calculation of financial inclusion index Several factors have been used to determine the extent of financial inclusion in ifferent calcul ations across the globe. The most commonly accepted indicator has been the number of bank accounts (per 1000 adult persons) yet this has been regarded as not being the sole indicator in India . Some other indicators are the number of bank branches (per million people), total number of ATMs (per million people), amount of bank credit and amount of bank deposit. Banking sector outreach penetration, loan and deposit accounts per capita, loan-income and deposit-income ratios and so on. All these indicators offer significant and valuable evidence on outreach of the financial system of an economy. However, when used individually, each of these factors provide only fractional information on the inclusiveness of the financial system. A new index on financial inclusion released by ratings firm CRISIL reveals that the number of loan accounts per lakh of population in the southern States stands at 17,142. However, this healthy fgure can be easily offset by the under-penetration of formal banking facilities in most parts of the country Just one in two Indians has a savings account, and only one in seven Indians have access to banking credit! CRISIL used bank branch, credit and deposit penetration (per lakh opulation) to assign scores to each district and then arrived at a score for every State and Union Territory. RBI policy initiatives to foster financial inclusion The Indian economy switched gears in the early part of thiscentury and has been growing at a healthy pace since then. Asbehemoth in the next few years, the average level of prosperityattained by its populace and the degree of equitable distribution of wealth will, in no small measure, be determined by the scaleof inclusive growth that would have been achieved. Financial inclusion is certainly not Just a recent phenomenon. n India, the earliest effort at financial inclusion can be traced back to 1904, when the co-operative movement began in thecountry. A focal event in its evolution was the banknationalisation programme in 1969, when 14 major commercialbanks were nationalised, and the lead bank scheme was, subsequently, introduced. As a consequence, branches wereopened in large numbers across the nation, even in areas thatwere until then unreached by banks. The agenda for financial inclusion was galvanised in the early2000s in India following the publication of a spate of findings about financial exclusion and its direct correlation to overty. Varied studies have proved that xclusion from the bankingsystem results in a loss of 1 per cent to the countrys grossdomestic product (GDP). Policymakers in India are acutely aware that, in a phase of highgrowth, the ramifications of leaving a huge section of the peopleout of the development process could be disastrous and arehence designing appropriate policies for financial inclusion. Complementing the governments efforts, the Reserve Bank oflndia (RBI) has, over the years, undertaken numerous initiativessuch as introduction of priority sector lending requirements for anks, establishment of regional rural banks (RRBs), and selfhelpgroup-bank linkage programmes to augment theavailability of financial services to the poor and marginalisedsegments of society. In the last few years, RBI also initiated the requirement thatbanks provide no-frills accounts, improve the outreach ofbanking services through the business facilitator and business correspondent models, and set up the goal for banks to provideaccess to formal banking to all 74,414 villages with a populationover 2000. This target of covering villages with a population ofover 2000 was largely achieved as of end March 2012 (99. 7 percent). The goal towards financial inclusion has accordingly beenrefined in June 2012; in the next Financial unbanked villages with population of less than 2000 withbanking services. n February 2011, the Government of India and the Indian Banks Association (IBA) Jointly launched Swabhimaan, anationwide programme on financial inclusion, to bring thedeprived sections of society under the banking network, andensure that the benefits of economic growth percolate to alllevels. This programme targets facilitating opening of banks accounts, providing need-based cre dit, remittance facilities andpromoting financial literacy in rural India. Although the target groups may differ from country to country orregion to region, financial inclusion refers, in its broadest sense,to the delivery of financial services at affordable costs to allsections, including the disadvantaged and low-income groups RBI has come up a number of policy initiatives to expand financial inclusion in the country . It has focussed on four aspects of reach, access, transactions and products. It has been successful to some extent in achieveing the objective of inclusion but the result of these policy initiatives are yet to be checked on the touchstone of statistical reality. Reach a. Branch expansion in rural areas Branch authorisation has been relaxed to the extent that banks do not require prior permission to open branches in centres with population less than 1 lakh, which is subject to reporting. To further step up the opening of branches in rural areas, banks have been mandated to open at least 25 per cent of their new branches in unbanked rural cen tres. In the Annual Policy Statement for 2013-14, banks have been advised to consider frontloading (prioritizing) the opening of branches in unbanked rural centres over a three year cycle co-terminus with their FIPs. This is expected to facilitate the branch expansion in unbanked rural centres. b. Agent Banking Business Correspondent/ Business Facilitator Model In January 2006, the Reserve Bank permitted banks to utilise the services of intermediaries in providing banking services through the use of business facilitators and business correspondents. The BC model allows banks to do cash in cash out transactions at a location much closer to the rural population, thus addressing the last mile problem. c. Combination of Branch and BC Structure to deliver Financial Inclusion The idea is to ave a combination of physical branch network and BCs for extending financial inclusion, especially in geographically dispersed areas. To ensure increased banking penetration and control over operations of BCs, banks have been advised to establish low cost branches in the form of intermediate brick and mortar structures in rural centres between the present base branch and BC locations, so as to provide support to a cluster of BCs (about 8-10 BCs) at a reasonable distance of about 3-4 kilometers. II. Access a. Relaxed KYC norms Know Your Customer (KYC) requirements have been simplified to such an extent that mall accounts can be opened with self certification in the presence of bank officials. RBI has allowed Aadhaar to be used as one of the eligible documents for meeting the KYC requirement for opening a bank account. b. Roadmap for Banking Services in unbanked Villages In the first phase, banks were advised to draw up a roadmap for providing banking services in every village having a population of over 2,000 by March 2010. Banks have phase, Roadmap has been prepared for covering remaining unbanked villages i. e. with population less than 2000 in a time bound manner. About 490,000 unbanked illages with less than 2000 population across the country have been identified and allotted to various banks. The idea behind allocating villages to banks was to ensure availability of at least one banking outlet in each village. Ill. Products Bouquet of Financial services In order to ensure that all the financial needs of the customers are met, we have advised banks to offer a minimum of four basic products, viz. A savings cum overdraft account A pure savings account, ideally a recurring or variable recurring deposit A remittance product to facilitate EBT and other remittances, and Entrepreneurial redit products like a General Purpose Credit Card (GCC) or a Kisan Credit Card (KCC) V. Transactions Direct Benefit Transfer The recent introduction of direct benefit transfer, leveraging the Aadhaar platform, will help f acilitate delivery of social welfare benefits by direct credit to the bank accounts of beneficiaries. The government, in future, has plans to route all social security payments through the banking network, using the Aadhaar based platform as a unique identifier of beneficiaries. In order to ensure smooth roll out of the Governments Direct Benefit Transfer (DBT) initiative, banks have been advised to: Open accounts of all eligible individuals in camp mode with the support of local Government authorities. Seed the existing and new accounts with Aadhaar numbers. Put in place an effective mechanism to monitor and review the progress in implementation of DBT. MEASURES TAKEN TO IMPROVE FINANCIAL INCLUSION Few of the factors listed above have already been addressed by the RBI and other banks. KYC Know Your Customer norms has been simplified. Credit cards are made available at an affordable price. The community-bank linkage programme has been initiated. The Indian financial system which is effectively controlled by the GOI and RBI has een reacting positively in order to solve the problems of FE. Detailed study has been conducted by various committees and they have suggested several STEPS to be taken by the RBI AND GO. These steps were RECOMMENDATIONS given by expert committees. Steps or recommendations were : BRANCH EXPANSION PROGRAMMES were given a thrust. Incentives were given to those who willingly managed RURAL BRANCES. SHG-Self Help Groups-Bank Linkage programme Support to MFI Micro Finance Institutions Establishing Kiosks in rural locations Kisan Credit Card GCC SBI has been very active in introducing tiny credit cards and other related benefits. Money Management: How to proactively manage money Debt Management: How to control debt and avoid over-indebtedness [1 5] Managing Savings: How to save regularly and in a safe location Financial Negotiations: How to strengthen clients bargaining position vis-?Ã ¤-vis input suppliers, other household members, and financial institutions Use of Bank Services: How banks work and impose charges; How clients can maximize bank services, interact with banks, and effectively use ATMS COMMITTEES ON FINANCIAL INCLUSION 0 Dr. Nachiket Mor Committee To develop a comprehensive monitoring framework to track the progress of financial nclusion and deepening efforts on a nationwide basis 0 Sambamurthy Committee A technical committee on mobile banking to examine the options and alternatives including the feasibility of using encrypted SMS based funds transfer using an application that can run on any type of handset for expansion of mobile banking in the country. CONCLUSION 0 Drift from objective of social impact to profit maximisation 0 Rates of interest 0 No scientific evidence or statistics on strategies and products. 0 Minimal level of education required. 0 Cost of small value transactions. 0 Psychological facts still persist. The issue of financial exclusion is widespread in India. The existing financial inclusion strategies are not seemed to be effective in creating an inclusive financial system which is very important in attaining inclusive growth. Opening no frill accounts does not seem to be the only panacea for solving this problem. Measures will have to be taken by the government to economically activate the people so that the demand for financial product arises, leading to the effective financial inclusion of people. In countries with diverse social and economic profile like India, financial ducation is particularly relevant for people who have poor resources and who operate at the margin and are vulnerable to persistent downward financial pressures. With no established banking relationship, the un-banked poor are pushed towards expensive alternatives. The challenges of household cash management under difficult circumstances with few resources to fall back upon could be accentuated by the lack of skills or knowledge to make well informed financial decisions. Financial education can help them prepare ahead of time for life cycle needs and deal with unexpected emergencies without assuming unnecessary debt
Sunday, February 23, 2020
Volunteering with Hancock Christian Clearing House (HCCH) Essay
Volunteering with Hancock Christian Clearing House (HCCH) - Essay Example HCCH is a cooperative effort involving 42 Churches in Hancock County with a mission to help those who, under ordinary circumstances, may not qualify for the assistance from regular charitable and other social organizations. HCCH is mostly run by the volunteers like me who interact with the clients in order to determine their needs and assist them in finding proper solution for their needs. HCCH also provides training to its volunteers who need it. The main sources of funding for HCCH come in the shape of donations and contributions made by the members of the Churches and other individuals. According to one estimate, approximately $13000 is disbursed monthly to those in need. These funds are disbursed in terms of fulfilling the needs of needy for their housing rentals, medical aid, food support, transportation as well as fulfilling other needs. HCCH is a small organization but its efforts and endeavors are much bigger in their scope and impact on those who are rejected or refused help . My volunteer work with HCCH was based on different assignments which were given to me, or which I believed I could do to the best of my abilities and with highest efficiency. I participated in preparing a dinner at HCCH as a part of its efforts to provide food to its clients. I almost participated in every activity. First of all, I started with arranging the tables for dinner so that food when ready can be readily served to the people coming for dinner. After that I helped prepared the cakes which were going to be served besides helping other volunteers to label the cakes made by me and others. After the dinner was finished, I helped other volunteers to clean the tables as well as throwing the garbage also. Further, I helped the senile people, who came to dinner, to carry their dinner dishes so that a positive and healthy attitude can be developed in them. I also helped other staff members by
Thursday, February 6, 2020
Affordable Health Care Act without sovereignty to native Americans Essay
Affordable Health Care Act without sovereignty to native Americans - Essay Example But as the Act is remarked by experts to be rigid with concern to the citizensââ¬â¢ need, it is ought to face different consequences (ProCon.org, 2010). This paper reviews the difficulties faced by the act as well as the citizens of the U.S. with respect to the implementation of the act. Literature Review On October 29 2009, the Affordable Health Care Act was introduced in the United States House of Representatives. Through the implementation of this act, the government intended to serve the citizens of Native American nations with efficient healthcare services and that too in a minimum expense. But the implementation of health care act has provided for various contradictions to itself which has been stated by various authors (H. R. 3962, 2009). First (2005) states that inconsistency practices in US health care system are a result of insufficient consideration to the quality systems which also caused other disadvantages related to its sole purpose. One of the major reasons for the drawback is that the policies concerning healthcare system in US was tangled with issues faced in the early experiences. The practices in relation to health inconsistencies involve the social and the technical facts as significant aspects. It is very essential to identify the problems associated with the implementation of the Act by the authority responsible, so that the outcome delivers the sole purpose widely concerned on the health securities of the citizens without or with minimum social or economic consequences. So, the U.S. governmentââ¬â¢s effort should be on eliminating the drawbacks and it should also focus on improving the quality of care provided to the patients (First, 2005). Background of the Act It has been depicted in the article of Health Policy Brief (2011) that approximately 30 lawsuits have been filed by private citizens, law makers, organizations and the state governments challenging the features of the Affordable Care Act 2009 (Health Policy Brief, 2011). In the article, it has been mentioned that sec 1501 of the Affordable Care Act identifies the ââ¬Ëindividual responsibility requirementââ¬â¢, also known as Individual Mandate. By the year 2014, the provision specifies that US citizens and nationals need to maintain ââ¬Ëminimum essential health insurance coverageââ¬â¢ or else are required to pay a penalty allotted. Coverage can be available through an employer or individuals or even through public programmes such as Medicaid and Medicare among others. This policy measure, as mentioned in the Act, can be of adverse affect as the penalty has been sanctioned. Citizens who are below the poverty line are forced to purchase the health care policy which might result into difficult prospective. Therefore, the healthcare act should not be entitled to penalise rather the act should be implemented with great care as it is a need rather than demand (Health Policy Brief, 2011). A dilemma has often aroused regarding Health Care Act. For instance the action of federal government to impose the Act was argued to be subjected to their limitations to participate in such social development issues. Danner (2011) opposes the provision mentioned in the Act, i.e. the Patient Protection and Affordable Care Act, which states the Individual Mandate. The policy of Individual Mandate states that each and every American must buy the Health Insurance or else will be penalised. According to Danner (2011), this is overextending usage of government power. Providing the health care by violating the freedom of the citizen is of no good and is also unconstitutional (Danner, 2011). Complaints by the associated states The Attorney Generals
Tuesday, January 28, 2020
Verdi Requiem Essay Example for Free
Verdi Requiem Essay All but one of Guiseppe Verdis masterworks are operas. This poses a problem for those of us who arent opera buffs. Fortunately, though, that one exception is his stunning Requiem, into which he poured the same vibrant emotion that thrills opera fans, but without the trite plots, simplistic characters and dull narrative stretches that tend to alienate others. Indeed, more than a few critics have hailed the Requiem as Verdis finest opera. Verdis inspiration was neither religious, egotistical nor fiscal. Rather, his gesture was one of national pride. He considered the opera composer Gioacchino Rossini one of the two greatest Italian artists of his time. Four days after Rossinis death on November 13, 1868, Verdi wrote his publisher Ricordi to propose a requiem mass to be given one year later in Rossinis heartland of Bologna. Each of the twelve sections was to be written by an Italian composer, so that the result would compensate for any lack of unity with a variety of universal veneration. Verdi himself would supply the concluding section. There was to be no foreign hand, nor hand foreign to art, no matter how powerful, to help us. To avoid petty vanity, all composers and performers were to contribute their services. To avoid exploitation, the score was to be sealed in the city archives and presented only on subsequent anniversaries of Rossinis death. While all the assignments were completed in ample time, the performance never materialized, the organizing committee was disbanded, Verdi refused to allow publication or performance of his portion, and in 1873 his score was returned. He soon found another appropriate use for it. Verdis other idol was Alessandro Manzoni. Although Manzoni had written only a single novel, I promessi sposi (The Betrothed), it was so popular that the author became the leading Italian literary figure of the century. A sprawling historical tale of peasant lovers buffeted by and triumphing over the repression of society, religion and injustice, it emerged as the driving literary force of the Risorgimento movement for Italian unification. Originally published in 1827, in 1840 Manzoni rewrote it in Tuscan, which he considered the pure indigenous Italian language. William Manning notes that beneath its plot and characters, it served as a kind of stylebook of theà language of a country which though politically united was linguistically chaotic. Alessandro Manzoni (1785-1873) As a teenager, Verdi had read the book following its initial publication and came to view it as serving two complementary and ideal uses of art for social ends not only did it transcend politics to rally people by appealing to their collective roots, but its popularity served as a cultural emissary to attract the worlds attention and admiration. When he finally met Manzoni in 1868, Verdi revered him as a saint. Although Manzonis death in his 89th year was hardly unexpected, Verdi was deeply grieved. The next day he wrote to his publisher Ricordi that although he wouldnt attend the funeral, I will come in a little while to visit his tomb, alone and without being seen, and perhaps (after further meditation and after having gauged my strength) to suggest something to honor his memory. The next week Verdi made his pilgrimage, condemned the many published tributes as superficial and resolved to write a requiem, but this time without the political snags and bickering that had thwarted his Rossini project. His proposal ââ¬â to write the entire mass himself if Milan would fund its first performance. Despite opposition from the city council which already had funded a lavish funeral, the mayor accepted, the San Marco church in Venice was selected as the venue for its acoustics, the convention of using a priest to recite liturgy between musical numbers was bypassed, and the Archbishop gave special permission to use female performers on condition that they be veiled, dressed in black and hidden behind a grating. Verdis project was officially titled Messa da Requiem per lanniversario della morte de Manzoni, 22 Maggio 1874 (Requiem mass for the anniversary of Manzonis death, May 22, 1874). The resulting work was indeed as dramatic as any Verdi opera. George Marek calls it a prayer for peace by a man who had devoted his music to conflict. As George Martin has noted, it is suffused with Verdis personal doubts as to the efficacy of prayer, a concern perhaps heightened by hisà advancing age and fear of what lay ahead. Indeed, the Requiems very strength lies in its exploration of Verdis ambivalent views toward religion, given reign through the unparalleled sense of theatre he had developed. Guiseppi Verdi (1813 ââ¬â 1901) As Cecilia Porter notes, death is a complex character in the Requiem, playing multiple roles ââ¬â an object of terror, a comforter, an emancipator ââ¬â fully reflecting Verdis penchant toward intensely human drama rather than a staid presentation of liturgical dogma or an intellectual effort at theological exploration (a task which Verdi, a very plain man, could never have abided). Its indeed ironic that from this simple man, with no pretension of philosophical insight, arose a work that presents a far more potent sense of sophisticated (and quite modern) theology than the religious works of most of his predecessors. Martin further notes that since a requiem is an assortment of responses and prayers without a rigidly prescribed text, and since Verdi never intended his work to be sung as part of an actual church service, he could select and emphasize portions that ran the gamut of human experience, ranging from sadness to joy, simplicity to majesty, reflection to apocalypse. As a man of the theatre, Verdi chose to fashion these disparate elements into a drama from which solos would emerge as true individuals, rather than as offshoots of the massed choir. Indeed, his use of solo voices is daringly intricate ââ¬â not the decorative figures of Haydn, nor the schematic personas in Bach cantatas, but multi-faceted roles that often complicate the texture to subtly question the apparent meaning of the wording presented by the underlying choral forces. The soprano, in particular, seems to voice Verdis own ambivalent skepticism, adding emotional intensity at odds with the faith-based text and affording a wide latitude for interpretation ââ¬â indeed. in their respective recordings, Elizabeth Schwartzkopf whispers the final libera me, Galina Vishnevskaya nearly chokes on those words, and Herva Nelli snarls the passage as a stern defiant demand. Of Verdis primary models, Mozart had couched his Requiem in classical order, Cherubini had dwelled on the Offeratoriums hope for deliverance and Berlioz had deployed his massive performing forces only in the intensely powerful and vivid Dies irae, Lachrymosa and Sanctus sections, projecting throughout the remaining movements a somewhat meandering overall sense of peace and contentment amid ingenious sonic effects (including quadraphonic placement of voices and brass). In contrast, Verdis score is intensely melodic, tightly focused and bristles throughout with surging passion and challenging discomfort. Why did Verdi choose a mass, rather than an oratorio of Manzonis own words, to honor his hero? After all, although severely moral, Verdi was anti-clerical and an agnostic; his wife considered him an atheist and recalled that he would laugh and call her mad when she spoke of religion. Martin suggests historical and practical motivations ââ¬â masses had been used by Cherubini and Rossini to honor departed public figures and thus a work in that genre was more likely to be welcomed elsewhere. Besides, Verdi already had a large emotional investment in his contribution to the aborted Rossini venture. Perhaps on a more personal level, Verdi found an outlet in the varied text of the requiem to explore his own ambivalent faith through his inherent sense of drama.
Monday, January 20, 2020
The Hobbit :: Free Essay Writer
The Hobbit The Hobbit by J.R.R. Tolkien is set in a fantasy world that has differences, as well as similarities, to our own world. The author has created the novel's world, Middle Earth, not only by using imagination, but by also adding details from the modern world. Realistic elements in the book enable readers to relate to the setting, yet have the ability to "imagine" exciting events and organisms not found on Earth. The majority of differences between Middle Earth and today's world are found in objects and the actions of characters that can not be carried out or created in our world. The most abundant example of this in The Hobbit is the presence of magic. Gandalf, the wizard, is able to help the adventurers out of a number of dangerous situations by using his magical powers to harm their enemies. He set Wargs afire while he was trapped in a tree and created a bolt of lightening to kill many of the Goblins who had surrounded the group in a cave. The magical ring, which was a key to helping the groups succeed in the book, allowed he who was wearing it to become invisible to others. Also, there was a black stream in Mirkwood that made he who drank out of it suddenly very drowsy and forgetful of previous events. All of these examples of happenings and objects found in Middle Earth are physically impossible in a world such as ours. Several of the organisms in the book are not known to exist on Earth. Hobbits, of course, are fictional characters, as are dwarves, elves, goblins, and trolls. Many species of animals are able to vocally communicate with humans and dwarves in the novel, which is not possible on our planet. Beorn, a human who is able to morph into other creatures at an instant, is an excellent example of such fiction. The dragon, Smaug, is the main adversary of the fourteen adventurers and is a type of creature that has long been used in fantasy writing. Although most of the characters' species are merely creations of the author, they all exhibit a sense of realism that causes them to seem almost human. There is a vast difference between Middle Earth and the modern world, but there are also several similarities. In Middle Earth, there live humans, and hobbits, which are very much similar to miniature people.
Sunday, January 12, 2020
Law as A Social Institution Essay
What does it mean to say that law is a social institution? In the light of a legal positivist view, law embodies and is contingent to the social construct within our society. Legal positivism is the notion that law depends on social fact and that its merits do not and should not reflect its intrinsic nature1. Law is simply not a set of rules and regulations that govern the way in which our society should be, but rather, an exhibition of how our society exists as it is2. That being said, a social institution is a pattern of beliefs and behaviors over time, as defined by Nicosia and Mayer as ââ¬Ëa set of activities performed by specific people in specific places through time3. Therefore, law encompasses numerous social institutions such as family, homosexuals, or more specifically the Indigenous community etc. ââ¬â an exhibition of how society exists as it is. The concept that law is a social institution will be discussed in the legal positivist framework particularly in close regard to homosexuality. Traditionally, homosexuality was seen as an immoral act, it was encoded under the Criminal Law Amendment Act 1885 Section 11 that an act of ââ¬Ëgross indecencyââ¬â¢ between two males led to a term of 2 years imprisonment. In the last century same-sex relationships have been considered acceptable in society. Harsh amendments in legislation against homosexuality grew unacceptable and argument arose that it was an ââ¬Ëoverreachââ¬â¢ in criminal law concerning homosexual behaviour4. As aforementioned, a social institution is the ââ¬Ëinteraction among activities, people, and places over timeââ¬â¢5. The law essentially is a product of these institutionââ¬â¢s morals, ideas and standards. The idea that law is a social institution is illustrated by the changes in law over time and the changes in attitudes towards homosexuality that arise simultaneously. There has been a gradual acceptance and legal recognition of same-sex relationships. This is evident in the evolving attitudes towards homosexuality reflected in various cases and legislation, in which the law has responded positively to the changes in these social standards. As seen in the case of Hope & Brown v NIB (1995)6, where the couple, Andrew Hope and William Brown attested to the Equal Opportunity Tribunal (EQT), arguing that NIB Health Fund Ltd had denied them access to a family health insurance policy on the basis of their sexual orientation. The EQT coercedà the insurance company to recognise the couple as a family in order for them to receive insurance. It was acknowledged that the policy was in fact discriminatory. A year later, the federal government recognised homosexual couples as a family unit in the 1996 consensus7. Additionally, amendments to the Health Insurance Act 1973 were carried through to recognise same-sex couples and their children as a family. In relation to the theory of legal positivism, these social standards have molded the law, reinforcing that law is dependent on a social construct. One of the most significant legislative changes was the passing of the Property (Relationships) Legislation Amendment Act 1999 (NSW)8, which granted rights to same-sex couples for the division of property and claiming finances, as well as access to the District Court in a relationship break down. This Act also gave same-sex couples inheritance rights in line with heterosexual couples. However, bearing in mind the theory of positivism, where law depends on social fact, there are other institutions such as religious groups, like the Australia Lobby Group that curb the acceptance of homosexuality in light of their own social standards. This is evident where the law does not encompass every aspect in the recognition and protection of same-sex couples. In addition, the Howard government passed the Marriage Amendment Act 2004 (Cwlth) consolidating that marriage in Australia is the union between man and woman only9. In effect, this governance affirmed their social institutional beliefs: opposition to same-sex marriages. Thus, demonstrating that law is a social institution because the law directly reflects the beliefs of the social institution, namely the government. We can infer that although the issue of marriage equality is shelved, it does not equate to the idea that the whole of society disapproves of marriage amongst same-sex couples, but that certain structured governances limit the extent to which these ideas are legislated. Law is based upon our morals and therefore should be an exact carbon copy of the beliefs and ideas of social institutions. However external systems, for example, law systems and governments, can limit the degree to which the law wholly represents socialà institution, in this case, homosexuality. The fact that a policy may be seen as discriminatory, unjust, inefficient does not mean that policy is the law, or the fact that the policy is fair, just and efficient also does not make it law. By taking these authoritative systems out of the equation, law is intrinsically a social institution. In 2006, the Human Rights Commission published a report titled ââ¬ËSame-sex: Same Entitlementsââ¬â¢, which found that 58 federal laws discriminated against same-sex couples in areas of financial and work-related entitlements10. This caused social upheaval amongst the homosexual community. The law responded and shaped into these morals, by means of the Family Law Amendment Act 2008 (Cwlth)11. Changes and alterations were made in federal laws to remove the provisions discriminating against homosexual couples, and thus, they were granted rights pertaining to financial matters. The theory of legal positivism is demonstrated here, where the Amendment mirrors the social fact that there is no sufficient reason for same-sex couples to be discriminated based on sexual orientation and should receive the same benefits, as heterosexual couples. Homosexuality is now a greatly accepted institution12 whereby the law embraces same-sex couples as equals with heterosexual couples. The Family Law Amendment Act 200813 and the Miscellaneous Acts Amendment (Same Sex Relationships) Act 200814 is significant in the sense that same-sex marriage is now the point of legislative inequality between heterosexual couples and same-sex couples15. In essence, legal positivism is a construct that gives a greater understanding of law as a social institution. It is inextricably linked to the social order of society. Homosexuality exemplifies the positivist model through the alignment of developing attitudes and legislation amendments over time. This demonstrates the notion that the morals of our society set ideals for law to abide by. The way law and social construct interconnects means that law is man-made and built upon on patterns of beliefs and behaviour over a period of time. Word Count: 1318 References: Primary Sources of law: Family Law Amendment (De Facto Financial Matter and other Measures) Act 2008 (Cwlth) Hope & Brown v NIB Health Fund Ltd [1995] 8 ANZ Insurance Cases 61-269 Marriage Amendment Act 2004 Section 88EA Miscellaneous Acts Amendment (Same Sex Relationships) Act 2008 Secondary Sources of law: Austin, John (1832). The Province of Jurisprudence Determined. Ed. W.E. Rumble, 1995. Cambridge: Cambridge University Press. Anthony, T. Sanson, M. Worswick, D (2010) Connecting with Law (2nd Edition), Chapter 1: Introduction: Overview of the Book, 4. Baker, MJ and Saren, M. (2010). Marketing Theory: A Student Text (2nd Edition). 154 Wilson, P and Brown J.W. 1973. Crime and the Community. St Lucia: University of Queensland Press. Boesenberg, J, Derwent, B, Hamper, D, Hayes, M, Thiering, N. Legal Studies HSC (Third Edition), Chapter 18: Contemporary issues concerning family law. 278 -297 ââ¬Å"Marriage Equality and Public Opinionâ⬠Fact Sheet: http://www.australianmarriageequality.com/wp/wp-content/uploads/2010/10/AMEpollfactsheet@Jun11.pdf
Saturday, January 4, 2020
Sleep Deprivation And Its Effects On Children Essay
Richard Simmons once said, ââ¬Å"There is no such thing as sleep deprivation, there is only caffeine deficiency.â⬠College students everywhere have claimed this as their motto. From art majors who stay up late practicing charcoal and shading, to nursing majors who are stressing all night studying for their exams and practicums, to engineering majors who think a good nightââ¬â¢s sleep is three or four hours, sleep has rarely been prioritised in college. Psychology Professors at the University of Hong Kong, Cheung and Chung are correct in their claim that, ââ¬Å"insufficient sleep and irregular sleep-wake schedules among adolescents has become a major international health concernâ⬠(185). Through a personal survey taken of around 200 incoming students at George Fox University, the majority (48%) allowed for six to seven hours of sleep a night, and only three of the students claimed to hit the necessary nine of hours or more of sleep a night for functionality and growth in teenagers (Thomas). Sleep deprivation is a major dilemma among college and university students, and it has been proven to specifically impair moods and affect memory, subsequently resulting in lower grade point averages and academic participation. This cumulatively results in the deterioration of quality of learning due to stress and increased risk of academic failure. The goal of this study is to help provide the public with statistical information to raise awareness of the seriousness of sleep deprivation and sleep debtShow MoreRelatedSleep Deprivation And Its Effects On Children Essay1511 Words à |à 7 Pagesthe Sleepless in America (American Academy of Sleep Medicine, 2014), the documentary which co-produced by the National Geographic Channel, almost forty percent of Americans get less than five hours of sleep per night. Sleep deprivation often results in depression-like symptoms. Thus we heard suggestions that we should have at least eight hours of sleep a night. In fact, the duration of sleep affected by multiple factors, such as human has different sleep needs at the different age, and according toRead MoreThe Effects Of Sleep Deprivation On Children1996 Words à |à 8 Pagesleast 9 hours of sleep each night, but nearly 10 out of every 15 students get under 8 hours of sleep and 6 out of every 15 get under 6 hours of sleep. Students and teachers that get enough sleep wake up feeling confident and ready to start their day off right with good work ethic. Not getting enough sleep will cause several different physical, mental, and emotional health issues for a teen that is forced to wake up early in order to get ready for their school day. Sleep deprivation is a huge issueRead MoreThe Effects Of Sleep Deprivation On Children1182 Words à |à 5 PagesFor those who work long shifts; For those who try to compensate for their lack of sleep during the weekends; For those who simply like to stay up all night: lack of sleep could cause irreparable brain dam age. Deprivation of long-term sleep hours could weaken brain energy even after days of sleep recovery. And it could be a sign of permanent brain damage. The consequences of not sleeping or not sleeping enough are serious, not only for the person who is not resting enough, but also for the peopleRead MoreThe Effects Of Sleep Deprivation On Children974 Words à |à 4 PagesIntroduction 1. My opening/attention getting material is as follows: Sleep deprivation was a factor in some of the biggest disasters for example the 1979 nuclear accident at Three Mile Island, the massive Exxon oil spill, and the 1986 nuclear meltdown at Chernobyl. Sleep deprivation is affecting many Americans today especially college students. ââ¬Å"A study in the Journal of Adolescent Health found that only 30 percent of students sleep at least eight hours a night, which is the average requirement forRead MoreThe Effects Of Sleep Deprivation On Children1427 Words à |à 6 Pagesor substances and people suffering from sleep deprivation. Effects of fatigue are thought to play a part in between 16% and 60% of road accidents and in the United states were estimated to cost in vicinity of $50 billion. This essay will argue just how dangerous driving under the influence of sleep deprivation really is. This essays argument will be supported by two major papers the first one is ââ¬Å"Impairment of D riving Performance Caused by Sleep Deprivation or Alcohol: A Comparative Studyâ⬠which wasRead MoreThe Effects Of Sleep Deprivation On Children1994 Words à |à 8 PagesThe Effect Of Sleep Deprivation Sleep deprivation has been an increasing problem with people of all age, specifically young adults. Many young adults in todayââ¬â¢s society fights to stay awake and consume in cups of coffee. Sleep deprivation has not only affected many young adults life-style, but also their health. Some research shows that sleep deprivation ââ¬Å"affect onesââ¬â¢ cognitive performanceâ⬠(Grundgeiger et al). People with sleep deprivation performance are lower with the more resource-demanding prospectiveRead MoreThe Effects Of Lack Of Sleep Deprivation On Children1315 Words à |à 6 Pages Do teens know how many problems can come with the lack of sleep? with sleep deprivation comes many long term effects on people s mental and physical health.lacking sleep is a cause of depression, obesity ,and makes it hard to function in school. School shouldnââ¬â¢t start as early as it does.because, it s unhealthy and lowers academic scores. Lack of sleep puts teens at risk for mental and physical issues.Less amounts of sleep put teens at a higher risk for depression,obesity,and motor-Read MoreThe Effects Of Sleep Deprivation On Children s Routine Performance And Interaction Skills979 Words à |à 4 PagesSleep deprivation has likely harmed most peopleââ¬â¢s routine performance and interaction skills at least enough to alarm them of its profound impairment to their mental and physical state. Everyone knows the feeling of being short-tempered and irritable because they didnââ¬â¢t get enough sleep the night before, but many also know the feeling of delirium and decreased cognitive abilities associated with many frightening consequences such as surmountable drops in their ability to communicate well with othersRead MoreSleep Deprivation : Symptoms And Treatments1417 Words à |à 6 Pagesexperiencing sleep deprivation or not having enough sleep will cause one to be frustrated. It is not a decent experience to have. Whenever we have sleep deprivation or have little sleep, we become less productive and not concentrated the next day. As these things happen, bosses will scold us or we will fail our tasks. While we fail, or get scolded, the mood at that moment is always annoying and unsatisfying. People who encounter with lack of sleep will know that having not enough sleep is the mainRead MoreSleep Deprivation Essay684 Words à |à 3 PagesSleep Deprivation Itââ¬â¢s seven thirty in the morning, the time that most American high schools begin class. Instead of being chipper and ready to learn, most teenagers, at this time of the morning, can barely remain awake. These puffy eyed pupils are by no means ready to learn. Sixty percent children under 18 reported being sleepy during the day, with another fifteen percent reporting that they had fallen asleep during the school day within the past year (National Sleep Foundation, Dozing)
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