Tuesday, December 31, 2019

Phrasal Verbs About Speaking for ESL Learners

This phrasal verb feature focuses on phrasal verbs we use when talking about speaking and conversation. Obviously, using tell or say or speak, etc. is absolutely correct when relating conversations. However, if you want to stress HOW the person said something, phrasal verbs come in handy (idiombe useful). Phrasal Verbs About Speaking Negative Speaking go on: to continue to talk about a subject after the interest of the listener has been exhausted.harp on :Â  inf. to repeatedly talk about a certain subjectramble on: to talk for a long time about something which is not very interesting to the other people in the conversationrabbit on (British):Â  as aboverun on (American):Â  as above Speaking Quickly rattle off: to say a list or impressive number of facts very quicklyreel off inf.:Â  as abovewhip off inf. (American):Â  as above Interrupting butt in: to rudely enter another conversationchip in: to add a specific point to a conversation Speaking suddenly blurt out: to say something suddenly, usually without thinkingcome out with: to say something suddenly Contributing come up with: to add a new idea to a conversationto go along with: to agree with someone else Not Speaking shut up: to stop talking, often used as an imperative (very rude)break off: suddenly stop speakingclam up: to refuse to speak or become silent during a conversationdry up: run out of ideas of interesting comments, finish speaking because you dont know what to say next or have forgotten what you would like to say Speaking Rudely talk at: to talk to someone without listening to what they have to saytalk down to: to verbally treat someone in an inferior mannergo off: to speak angrily about somethingput down: to criticize someone or something Sample Paragraph WithPhrasal Verbs Last week I went to visit my friend Fred. Fred is a great guy but at times he can really go on about things. We were speaking about some of our friends and he came out with this incredible story about Jane. It seems she had butted in while he was harping on his favorite complaint: Service in restaurants. Apparently, he had been running on for quite a while putting down almost every restaurant he had been to by rattling off a list of his visits to different restaurants in town. I guess Jane felt that he was talking at her and was fed up with it. She went off about what a rude person he was which shut him up pretty quickly! I thought about blurting out that maybe she was right, but decided to clam up in order to not upset him.As you can see by using these phrasal verbs the reader gets a much better idea of the dynamics of the conversation. If the above story was reported by saying she told him, he said etc., it would be pretty boring indeed. In this way, the reader gets a real sense of the personalities of the speakers.

Monday, December 23, 2019

Descartes First Meditation - 2099 Words

Descartes First Meditation Descartes believes that knowledge comes from within the mind, a single indisputable fact to build on that can be gained through individual reflection. While seeking true knowledge, Descartes writes his Six Meditations. In these meditations, Descartes tries to develop a strong foundation, which all knowledge can be built upon. In the First Meditation, Descartes begins developing this foundation through the method of doubt. He casts doubt upon all his previous beliefs, including matters which are not entirely certain and indubitable [and] those which appear to be manifestly false. (Descartes, p.75, par.3) Once Descartes clears away all beliefs that can be called into doubt, he can then build a strong†¦show more content†¦4) This thought experiment leads Descartes to another method in doubt. Descartes then goes on to assume that there is a God, who is all powerful, and created this world; yet he asks, How do I know that He has not brought it to pass that there is no ear th, no heaven, no extended body, no magnitude, no place, and that nevertheless they seem to me to exist just exactly as I know see them? (Descartes, p.76, par.5) Without a guarantee of reality, maybe all of his previous beliefs are false. Descartes doubts the supreme goodness of a God that would let him be deceived even occasionally. Moreover, if a perfect God does not exist then it becomes probable that Descartes himself is increasingly imperfect and therefore is constantly being misled. If, however, it is contrary to His goodness to have made me such that I constantly deceive myself, it would also appear contrary to His goodness to permit me to be sometimes deceived, and nevertheless I cannot doubt that he does permit this. (Descartes, p.76, par.5) Descartes assumes the scenario that God is really an evil demon. I will suppose therefore that not God, who is supremely good and the source of truth, but rather some malicious demon of the utmost power and cunning has employed al l his energies in order to deceive me. I shall think the sky, the air, the earth, colours, shapes, sounds and all external things are merely the delusions of dreams, which he has devised to ensnare myShow MoreRelatedDescartes Meditations On First Philosophy1318 Words   |  6 PagesPhilosophical Questions November 2, 2017 Cogito Ergo Sum Descartes Meditations on First Philosophy and his questioning of our existence in reality is a question which philosophers have tackled throughout time. Cogito ergo sum or I think therefore I am, a phrase brought about by Descartes is the backbone of his whole philosophy of our existence in reality. As long as we are thinking things, we exist. 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John Locke, Immanuel Kant, and countless other philosophers wrote largely in response to Descartes. Yet there are serious doubts related to the treatises major argument. In the Objections and Replies, a collection of objections to the work along with Descartes personal and often very detailed replies to said objections, the philosopher Antoine Arnauld raises the question of whetherRead MoreDescartes Meditations On First Philosophy807 Words   |  4 PagesConner Ruhl Professor Copley Philosophy 1000C 4 May 2015 Descartes, Meditations on First Philosophy Rene Descartes was the first great philosopher of the modern era, He had a new approach which was focused on scientific and mathematical truths. Descartes came to reject the scholastic tradition, one of which he was educated, due to his pursuit of mathematical and scientific truth. 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Descartes’ purpose in his First Meditations is to define knowledge by placing doubt on the sceptical arguments capacity to provide truth. In this essay, I will focus on the argument from dreaming. There are many objections against the argument; therefore I will assess the soundness of the argument and whether it establishes universal doubt based on the plausibility

Sunday, December 15, 2019

Analytical and Empirical Method Free Essays

string(32) " use and significant knowledge\." How to conduct heuristic evaluation? 5 Advantages5 Disadvantages6 Empirical Method (Usability Testing)7 What is Usability Testing? 7 How to conduct a usability testing? 7 Advantages of Usability Testing8 Disadvantages of Usability Testing9 Conclusion10 Task 211 Introduction11 Description of the problem11 Description of the difficulties11 Conclusion:14 References:15 Task 1 Introduction There are 4 ways mostly to evaluate user interface.Heuristic Evaluation (heuristically) by just looking at the interface and passing judgement according to one’s own view. Cognitive Walkthrough (analytical method) by some analysis procedure, Pluralistic Walkthroughs (empirically) by experiments with trial users, Feature, Consistency amp; Standards Inspection (automatically),by a programmed procedure. We will write a custom essay sample on Analytical and Empirical Method or any similar topic only for you Order Now For this assignment I have choose the usability testing for empirical method where else for analytical method I have choose heuristic method. [1] Analytical Method (Heuristic usability) What is heuristic? Heuristic evaluation is a discount usability engineering method for quick, cheap, and easy evaluation of a user interface design. † [3] In heuristic evaluation the usability issues covered are effectiveness and efficiency but do not considered the satisfaction. Quantitative Data is not collected. this method also can be conducted remotely also can be used on any system. Several evaluators independently evaluate the interface amp; come up with potential usability problems. It is important that there be several of these evaluators and that the evaluations be done independently.Nielsen’s experience indicates that around 5 evaluators usually results in about 75% of the overall usability problems being discovered. Heuristic Usability Principals Here I am going to explain more and have a closer look at what condition are needed to evaluate interfaces. Basically the evaluation is easier than design. The principles are the basic points that drive design and drive evaluation as well. The principals are: 1. Visibility of system status The application should always keep user on track and well known on which section of the application they are.This can avoid confusion and user can get the information easily without consuming more time. 2. Match between system and the real world. The relationship between two things, in most cases the mapping from digital world to real world. Metaphors and analogies 3. User control and freedom User should be informed what the system is doing and is the user on the right track, does it work the way it is suppose to work. This can prevent the user to do their activity correctly on path without having to redo all again. The application also should support undo and redo.The system should confirm with the user before take any action on the application, so user can exit immediately from new actions that risk them. 4. Consistency and standards An application should have a standard platform convention like the symmetry of the interface. Is it symmetrical? (Left-Right, Top-Bottom, Center). This includes also the wording to access the application example for navigation bar. The â€Å"Home† button should be same for all pages. It should not been changed to other type of looks (symbol or font) at other page when user access to it. 5. Error prevention The text message for error prevention should convey a message to user while they are currently on the application and risky to faulty. User can understand what the error message is about and prevent the faulty happen before they proceed to the next step. 6. Recognition rather than recall Using symbols that make user feel ease to recognize, remember and think what is the use of the button. The colour contrast also effect attention and focus where the user has been explored on the application. It also is to make user more focus and remember what they did.User also might convey the color for pink †¦ it’s a girl and blue †¦ it’s a boy. This would not affect user memory load. 7. Flexibility and efficiency of use This refers to the perceived and actual properties of the â€Å"thing† that determine just how the â€Å"thing† could be used for new user that never been using that application. The appearance of the â€Å"thing† tells them how to use it. If the system is understandable, neither expert nor inexperienced can easily use the application. 8. Aesthetic and minimalist design The application should display the important and description for the point it is focusing on. The application should not display unnecessary information which will only cause the information traffic on the application. A special consideration for standards graphics and design are enough to make user comfortable when using the application. 9. Help users recognize, diagnose, and recover from errors The error text must not be too long or too short. It should be simple and precisely organized to make sure the user understand the faulty they have done and they can correct the error based on the solution given in the error message. 10. Help and documentationThere might be possibilities that user don’t need any help and documentation while or after using an application, but there is the chances for user to document the information and get the help if there are lost. This should be considered to ensure user get fully access and satisfied after exit the application. The application must make the user easy to find the information they are looking for focusing on their task and help should provide the step they should pursue. How to conduct heuristic evaluation? Heuristic evaluation by Nielson is a method used by researchers to find usability problems in interfaces designed for use by public.The heuristic evaluation process starts from questions a small number of users, called evaluators, to complete a set of pre-programmed tasks usually related with using the interface. As summary basically the evaluation will be : * Obtain the service of 4, 5 or 6 usability experts, questions a set of pre-programmed tasks usually related with using the interface. * Each expert will perform an independent evaluation, answer question related to interface * Give experts a heuristics inspection guide, is followed from Nielsen’s ten usability principles (Nielse n, Jakob 1994). Collect the individual evaluations, which are answered in subsequent iterative sketch of the interface for better simplicity of use and significant knowledge. You read "Analytical and Empirical Method" in category "Papers" * Bring the experts together and do a group heuristic evaluation. (Optional) Advantages Quick and relatively inexpensive feedback to designers can be provided by this method. Response can be obtained early in the design process. Conveying the correct heuristic can help suggest the best corrective measures to designers. * Cheaper comparative to other assessment method. * Spontaneous and simple to encourage potential evaluators to use the method * No advance planning required Formal usability training is not required for evaluators. Professional computer programmers and computer science students are used in Nielsen and Molich * Can be used early in the growth process * Quicker revolve time than laboratory testing Disadvantages Applying heuristics effectively need a good knowledge and skill. Usability experts sometime hard to find and can be pricey. Multiple evaluators are recommended and results must be aggregated. Minor issues and fewer major issues can be detected through these evaluations. * Evaluators maybe just have the understanding of usability design principles, but not for usability experts.Usability experts would recognize more issues than non-experts, experts are the people who have the skill with the type of interface being evaluated, they can identified the most issues was according to Nielson. * The results from multiple evaluators must be aggregated. This is because the evaluator only can detect few issues, but if the issues combined the more precise result outcome they can gain. * Heuristic evaluations only identify lesser usability issues compare to and other discount methods may not identify as many usability issues as other usability engineering methods, for example, usability testing. Complex interfaces may not scale well for heuristic reviews. Evaluators may not find the major or serious problem the interface had if the interfaces are complex. * All the issues identified may not willingly suggest solutions for the usability issues * The evaluators are just pretend to be the user but they are not the real user. * The entire problem identified may not be the actual problem in real interface. Empirical Method (Usability Testing) What is Usability Testing? We need to use usability testing method to produce tasks professionally, efficiently and pleasingly for the user benefit.It is better to produce a pre-programme application to ensure so that any important issues can identify. Usability testing can be done at any stages of the design process. Usability testing is not an alternative for a human centred design process and appropriate techniques such as walkthroughs also can be use. Test host or the user who is going to represent for usability testing session should attend. The attendance should be at least one observer one developer and one business representative. Observers should strictly be in a separate observation room.Density of the system, the number of intended users, and budgetary constraints should be considered when doing the session. Even one test session is better than none, but if its more it will tend to discover the majority of important issues. There are two major factor should be considered when conducting a usability testing. The first is to ensure that the best possible method for testing is used. The second major consideration is to ensure that an iterative approach is used. How to conduct a usability testing? To prepare for a usability test we must identify delegate tasks.Ideally, these should derive from scenarios or use cases developed earlier in the design process. Have a clear definition of when a task is complete. We also must prepare a test schedule, book the required room, and identify representative users and invite them to attend. We will need the following materials: †¢ A formal script so that all participants are treated in the same way. †¢ A pre-evaluation questionnaire to check that your participants match the required profile. †¢ A list of tasks, together with criteria for measuring whether they have been successfully completed. Logging sheets to record timing, events, participant actions, concerns and comments. The guidelines should be followed: †¢ Run a pilot test. †¢ Ensure that participants have the option to abandon any tasks which they are unable to complete. †¢ Do not prompt participants unless it is clearly necessary to do so. †¢ Record events in as much detail as possible to the level of keystrokes and mouse clicks if necessary. †¢ If there are observers, ensure that they do not interrupt in any way. Observers formally prior to test. †¢ Be sensitive to the fact that developers may be upset by what they observe or what you report.Advantages of Usability Testing The advantages of usability testing are [5]: * Reply direct from the board audience to spot the project group * Private conversation can be done by testing the issue to see how users response to the different options being discussed * Problem and possible difficulties are stated clearly before the product is launched. The business advantages of usability testing can be seen at the end of the project: * Probability of usage and frequent usage increase * Risk of the product fault is reduce * Users are able to get what they expect, which makes business meeting its targets achievable.Benefits of using usability testing are [6]: * Reduce maintenance costs, increase user fulfilment, and save on development effort cost. * Relevance feedback helps to increase the quality experience. * Measures activities, not preference. Users like to insist what they want, but by observing and measuring behaviour, we can understand what the best for their needs and support is. * Get a competitive benefit. User with no experience can give negative impact to a website. A systematic website is expected by users, especially when the competitors of websites developer are a lot now. Focus to the major needs and the aim of the application. Disadvantages of Usability Testing Usability testing provides many benefits, but there are the disadvantages in using this methodology, which should be noted. Firstly, testing is not 100% representative of the real life scenario. Also, usability testing is mainly qualitative, so does not provide the large samples of response that a questionnaire may, but the response can be far more precise and understandable. It requires a certain level of knowledge and experience to apply the heuristics effectively. Trained usability experts are sometimes hard to find and can be expensive.Multiple evaluators are recommended and results must be aggregated. The evaluation may identify more minor issues and fewer major issues. [9] Conclusion Two common usability evaluation methods, heuristic evaluation and usability testing were analayse. Results found that heuristic evaluation performed by HCI experts revealed more general problems, while usability testing is a way to see how easy to use something is by testing it with real users. To provide the most effective and thorough usability evaluation results, a combination of usability evaluation techniques from both expert and system user perspectives is recommended. Task 2Introduction For task 2, I am going to evaluate a website from a bank which is OCBC bank. Description of the problem 1. The first problem i notice when I start to evaluate the website was the layout. the layout is merely merge to left side of the webpage. 2. The navigation bar size. It is too small. 3. The application do not provide â€Å"search† function for user to search information. 4. I didnt notice the login function,no idea where to login. The homepage there is no official login space. 5. No language selection option. 6. No register new user and login specific space at main page. 7. No sitemap to track location in application page. . The process option button and link appearance are not interesting and recognizable. 9. Once the user click any options from main page to proceed the next step,the application open new window. Description of the difficulties 1. User need to focus on the left side of the webpage whereelse it should be in the center for user to feel more comfortable when viewing webpage. The view is not standard as normal webpage. 2. The navigation bar font is too small and situated at the upper right corner of the webpage. It is not standard. These two diffrent navigation bar makes user confuse to choose which function to move in the application.Furthermore,when user click to login page,another window open and it does not have a standard navigation bar as the previous page. User will feel confuse,with diffrent thing appears. 3. The login function is not standard. There are several option to login to application. It suppose to have a official login space then allows user to choose the service they want to involve. the login space looks like advertistment and not noticable. 4. Language. User supposed can select the language they are prefereable for. But this application dont allow user to choose the language they understand.If the user dont understand,how they want to use the application. There is just the selection list of country only but not for language. 5. The application does not provide sitemap to track location of user that use the application at current time. Sitemap used to make user easy to navigate along the pages gone through. user can eesayly get back to the pages prevoiously without wasting time to find pages that they want. 6. The hyperlink should be as buttons or symbol button to make user easy to recognize and remember the direction to use the application for the next visit. . Once the user click any options from main page to proceed the next step,the application open new window.User cannot go back to the previous page because noâ€Å"back†function at the web page neither at the browser. If user want go back,user must exit the new window and restore the main page again. If user did some errors user need to repeat all the steps again. Heuristic and explanation 1. The small and not standard navigation bar is link to consistency and standards. * It suppose to gathered and user should select from a line of navigation bar. when user click to login page,another window open and it does not have a standard navigation bar as the previous page. * User feels a diffrent environment,diffrent situation word. 2. The no option for language is match between system and real world. * The system should speaks user language,word or phrase which familliar with the user. This will make user more comfortable and understand what they are doing. 3. Layout of the web which go to left side is a aesthetic and minimalist design. * User should not wonder the blank space of the webpage. It should be used to put any related information. 4. No sitemap for user location is equal with flexibility and efficiency of use. * Sitemap can help the inexperience user to go back to previous page they were to make sure they are on the correct path to do their job. 5. Error prevention which dont have â€Å"back† button,is link with user control and freedom. * This sytem dont allow users to go back. It do no support undo and redo. * User need to navigate away from the page directly and go back to main page and access again the application. 6. Uninteresting link and button to continue using the application is a recognition rather than recall heuristic. The links navigation dont give the user idea when they first see the webpage. User need to read the links and then click to continue. * The link should suppose to be icons so that whenever the user come for next visit,they will recognize the buttons and save their memory load and time. Summary A heuristic evaluation is a usability inspection helps to identify usability problems in the user interface (UI) design, As I find in the OCBC Bank website, it specifically involves me examine the interface and judge its compliance with recognized usability principles (the â€Å"heuristics†).I independently examine a user interface and judge its compliance with a set of usability principles. The result of this analysis is a list of potential usability issues or problems. The usability principles, also referred to as usability heuristics, are taken from published lists. Ideally, each potential usability problem is assigned to one or more heuristics to help facilitate fixing the problem. As more evaluators are involved, more true problems are found.But as from my view, I can list out only these usability problems and I also have stated the reasons and why it is a problem to me and also what is lacking at the webpage. How to cite Analytical and Empirical Method, Papers

Saturday, December 7, 2019

Banning of Ivory Sales

Question: Discuss about banning on killing elephants? Answer: Introduction: The articles provided herein, deals with one of the most relevant topics of todays world BANNING OF IVORY SALES. Ivory obtained from elephant tasks are being sold in the market illegally and to meet this sort of illegal businesses, elephant killing is increasing day by day thereby endangering the life of the largest living mammal on land. The articles have been published by the editorial board of two leading newspapers in United States of America. The first Article has been published by the editorial board of The New York Times. It provides a brief report on the Banning of the Ivory Sales in America. Herein the Editorial Board provides that a briefing of the killing rates of elephant in Africa and the need for framing a strict law against the people who are doing offence. The second Article have been published by the Editorial Board of The Los Angeles Times. It provides a general briefing on the grounds and basic needs of Approving the bill on Ivory Sales. The Editorial Board herein speaks about the requirements for passing of the bill that would completely ban the export and import of the ivory tusk within the whole world, that is being practiced rigorously by people without any fear of being caught for doing such an offence. According to my point of view, I would like to put forward Article 1 i.e Article issued by the New York Times Editorial Board as a more eloquent and efficacious among the two for the Banning of Elephant Killing in Africa and putting a bar to the Export/Import of Ivory tusk. This Editorial Report says that the killing of elephants are increasing day by day and now the recent statics of that at least 30000 to 35000 of elephants are being killed day by day, thereby endangering the life of this species. It also herein provides that there should be a total banning of the sale of ivory tusks whether new or old, so as to completely reduce the rate of killing the elephants in Africa Review of Article 1: The Article has been published in the New York Times by the Editorial Board of the daily and was published on 17th February, 2014. The Article is titled Banning Ivory Sales in America. The author in the Article has highlighted the dwindling problem related to ivory sales and the illegal poaching on elephants to boost up their sales. In order to save the African elephants, various steps have been taken by the Government as well as the International Bodies, yet no fruitful gain has been made in this regard (The New York Times). In the inception of the Article, the author has very lucidly explained that because a widespread black market persists in the world, the poachers find it very beneficial for their financial conditions. Concrete figures have been pointed by the Author that directly point to the fact that the market rate of ivory is too high and hence, the rate at which elephants are being hunted is also rising for which it is very likely that the species shall soon become extinct if this continues. The author has also very appropriately used certain numeric figures in the Article to pin point the amount of damage that has already been done or the amount of damage that is likely to be done. Considering the number of poaching activities, and the concern it has caused to the ecological balance, steps have been taken by the Obama Administration as well. It has banned virtually all imports of ivory in any form (The New York Times). The Interior Departments Fish and Wildlife Service clearly pointed that all the imports shall be banned so that no amount of ivory that has been received after the year 1990 enters into the market of USA. The main points that the editorial board has tried to highlight is that if ivory import obtained after 1990 is stopped, then, it shall have an effect on the business strategy and may be as a result, the illegal poaching of the elephants might come to a stop. The elephants are regularly being killed so that the ivory can be sent to the international market and USA being one of the leading importers of ivory products, it is very likely that if USA stops buying products obtained after 1990, then the market shall go through a set back and hence the poaching will come down to a great extent (The New York Times). The purpose of this is to cut down the rate at which elephants are being poached simply to get benefits. Review of Article 2: The second Article has been published in The Los Angeles Times by The Times Editorial Board on 7th June, 2015. The Article is titled Editorial Assembly Bill on Ivory Sales is Worth Approving. In this Article, the researchers and the authors have maintained the view as expressed by the authors of the previous article. They also have pointed that elephants are poached mercilessly in various parts of Africa just in order to obtain the ivory and result in the species becoming endangered (Los Angeles Times). The states of California, New York, New Jersey etc have banned the business dealings with any products related to ivory. Even then, the rate of poaching has not come down considerably and the elephants are still being killed for their tusks. The Article points that the US government had passed a law that prohibited the import of ivory procures after 1990 (as stated in the previous article). But presently, focus has been shifted to stop all kinds of imports as many forgeries are being done by the traders to mark the ivory to be an old one. Statistical data has been shown by the authors who provide that in various instances, traders have resorted to stain the new ivory to give it the look of an antique (Los Angeles Times). The innocent customers under the falsified impression buy the ivory and enter into illegal dealings. There have been certain exemptions that have been planned by the Government agencies. These exemptions extend to musical instruments which have proper documentation which represents that the same was not obtained after 1975 and other exemptions relate to antique objects which have an ivory content of less than 5%. A threshold limit of six months is proposed by the bill to ensure that all dealings that are going on get finalized before July 2016. Rhetorical Analysis: In the first Article, the authors have pointed the audience to be the public at large who might be interested in ivory products and to let them know of the regulations so that they refrain from getting close to the products. But it has also been pointed that the poachers will forge the documents to prove that none of the ivory is new and that all was obtained prior to 1990. There are several exigencies associated with this. While on the one hand, there will be forged documents; there can also be a situation that illegal imports shall start taking place. Thus, it might prove to be a fatal step rather than being beneficial. On the other hand, there are positive aspects as well. The move seems to have been taken on a correct point when the number of these animals has still not entered in to the endangered category. There have been steps to ban trading with ivory to any extent within the state of New York. Thus, there shall be no confusion regarding the date on which the product is obtained. This way, control can be brought down to a larger extent. In the second Article, it has been pointed that this new measure also has certain advantages as well as certain loopholes. There were times when constitutional claims were put forth by the traders when California had planned to outlaw dealings related to shark fins. Similar claims can appear in this instance as well. But generally, the judiciary does not extend benefits in these matters (Los Angeles Times). It has been pointed by the authors that this Bill if turned into a law can help to a great extent to control the situation. But because of the exemptions, chances do not fade away that the law shall not be misused. Evaluation: On evaluating both the articles herein provided, Article 1 is more compelling and credible than Article 2. There are quite a few reasons behind choosing Article 1 as the more eloquent one in this matter. If we properly go through both the articles attached, we would find out that though article speaks of banning of ivory sales, it doesnt provides for the complete banning of it entirely within the country. It states that educational institutions and scientific research centers can be allowed to purchase ivory tusk with certain restrictions as well as owners can hold ivory tusk legally and if wishes can give it away or bequeath as there no such rules prohibiting it. Such a rule means that would completely stop the killing of the elephants. It also provides that if the bill is passed during this time, it will not be having effect before 2016, which means till then killing of elephants will continue and by that time elephants will almost reach to the number of being treated as extinct species. Article 1 is more preferable in my eyes for it claims for complete dissolution of killing of elephants thereby protecting them from being called as extinct group of animals. Article 1 says that there would be a complete ban as to the purchasing or selling of ivory tusk within the states. There should be an enforced law that would provide for complete ban unless it is seen that the holder holds an ivory tusk which is more than 100years old i.e the burden of proving that the tusk has been obtained before 1990 depends on the tusk holder and if he cannot prove it, he will be charged with an offence and will be penalized for such offence. Conclusion: The conclusion that can be drawn from the topic, BANNING ON KILLING ELEPHANTS, may be summed up in this manner. If immediate measures are not taken in respect of the business of ivory tusk that is being practiced all over the world, then it is not to far when we would get to hear that the largest land mammal have become extinct. The thesis that have been provided by article 1 should be reflected as early as possible so that we can make sure that there is no more killing of elephants in future. And strict laws should be enforced against the offenders so that people fear to kill an elephant and that they exist on this earth with no fear of being endangered. References Los Angeles Times,. 'Editorial Assembly Bill On Ivory Sales In Worth Approving'. 2015: n. pag. Print. The New York Times,. 'Banning Ivory Sales In America'. 2014: The Opinion Pages. Print.

Friday, November 29, 2019

Types of poetry and example Analysis Essay Example For Students

Types of poetry and example Analysis Essay Narrative Poem Narrative poetry is a form of poetry that tells a story, often making use of the voices of a narrator and characters as well; the entire story is usually written in metered verse. The poems that make up this genre may be short or long, and the story it relates to may be complex. It is usually dramatic, with objectives, diverse characters, and meter. Narrative poems include epics, ballads, idylls, and lays. Some narrative poetry takes the form of a novel in verse. An example of this is The Ring and the Book by Robert Browning. In terms of narrative poetry, a romance is a narrative poem that tells a story of chivalry. Examples include the Romance of the Rose or Tennyson Idylls of the King. Although these examples use medieval and Arthur materials, romances may also tell stories from classical mythology. Examples: you Fill MY Days -Jack Ellison You fill my days with happiness With Joy I never knew There is no greater love my dear Than the love I feel for you You fill my days with kindness You set my poor heart free I cant begin to tell you How much you mean to me You fill my days with friendship The kind that lasts and lasts The purest kind of friendship What more could one man ask You fill my days with total Joy Like when I was Just a child The first time I could ride a bicycle The clown that made me smile You fill my days with quiet peace That blows my cares away With simple words of tenderness You brighten up my day But most of all sweet lady You fill my days with spice Im never bored when you are near My love its been a slice Peace Can Only Happen Bernard Barclay I cant change the way I feel But yes you can Go and watch a comedian And they will make an audience laugh l am not responsible for your emotions But yes you are Yell and scream at me and that will create anger Every action has a reaction A family that spends their lives Screaming at their children Teach their children to scream at other people A family that spends their time in anger Teach their children to be angry The family that teach their children to fight Put them on the road to fighting Each statement is true and yet is also false With life the child is also an actor in the play A child taught to hate can learn to love A child taught to fight can learn to care A child taught to play can learn to hate We live in a world where we can build peace But if you teach your child to fight Then we must teach ours to fight as well Peace can only happen when we all agree to peace. Little Moments Madison Imminently Do you ever have these thoughts? These scenarios that play on in your mind? They havent exactly happened yet but in your heart you wish they would Could Just be a simple conversation back and forth A glance across the table when our eyes seem to meet The way you gently place your hand on the small of my back as we enter the restaurant Driving down a road with no destination with music up high We will write a custom essay on Types of poetry and example Analysis specifically for you for only $16.38 $13.9/page Order now The windows down low When Im in the middle of saying something and you stop me in my tracks and kiss Its always these little movie clips These small moments that may be simple gestures but seem to leave the most impact and make you feel weightless Then reality hits and I find that a smile of pure joy has appeared on my face Descriptive Poem Descriptive poetry is the name given to a class of literature that belongs mainly to the 16th, 17th and 18th centuries in Europe. From the earliest times, all poetry not subjectively lyrical was apt to indulge in ornament which might be named secretive. But the critics of the 17th century formed a distinction between the representations of the ancients and those of the moderns. .udb214e051695c74d1fe927370fdd996b , .udb214e051695c74d1fe927370fdd996b .postImageUrl , .udb214e051695c74d1fe927370fdd996b .centered-text-area { min-height: 80px; position: relative; } .udb214e051695c74d1fe927370fdd996b , .udb214e051695c74d1fe927370fdd996b:hover , .udb214e051695c74d1fe927370fdd996b:visited , .udb214e051695c74d1fe927370fdd996b:active { border:0!important; } .udb214e051695c74d1fe927370fdd996b .clearfix:after { content: ""; display: table; clear: both; } .udb214e051695c74d1fe927370fdd996b { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .udb214e051695c74d1fe927370fdd996b:active , .udb214e051695c74d1fe927370fdd996b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .udb214e051695c74d1fe927370fdd996b .centered-text-area { width: 100%; position: relative ; } .udb214e051695c74d1fe927370fdd996b .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .udb214e051695c74d1fe927370fdd996b .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .udb214e051695c74d1fe927370fdd996b .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .udb214e051695c74d1fe927370fdd996b:hover .ctaButton { background-color: #34495E!important; } .udb214e051695c74d1fe927370fdd996b .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .udb214e051695c74d1fe927370fdd996b .udb214e051695c74d1fe927370fdd996b-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .udb214e051695c74d1fe927370fdd996b:after { content: ""; display: block; clear: both; } READ: Dead Poets Society EssayBoiler stated that, while Virgil paints, Toast describes. This may be a useful indication in defining not what should, but what in practice has been called descriptive poetry. Descriptive poetry is poetry in which it is not imaginative passion that prevails, but a didactic purpose or even something of the instinct of a sublimated auctioneer. In other words, the landscape, architecture, still life or whatever may be the object of he poets attention, is not used as an accessory, but is itself the centre of interest. In this sense, it is not correct to call poetry in which description is only the occasional ornament of a poem and not its central subjec t, descriptive poetry. The landscape or still life must fill the canvas or, if human interest is introduced, that must be treated as an accessory Smoke -Henry David Thoreau Light-winged Smoke, Caring bird, Melting thy pinions in thy upward flight, Lark without song, and messenger of dawn, Circling above the hamlets as thy nest; Or else, departing dream, and shadowy form Of midnight vision, gathering up thy skirts; By night star-veiling, and by day Darkening the light and blotting out the sun; Go thou my incense upward from this hearth, And ask the gods to pardon this clear flame. Summer Shower -Emily Dickinson A drop fell on the apple tree, Another on the roof; A half a dozen kissed the eaves, And made the gables laugh. A few went out to help the brook, That went to help the sea. Myself conjectured, Were they pearls, What necklaces could be! The dust replaced in hoisted roads, The birds Josser sung; The sunshine threw his hat away, The orchards spangles hung. The breezes brought dejected lutes, And bathed them in the glee; The East put out a single flag, And signed the fete away. Perfect Woman -Henry Headwords Longfellow SHE was a phantom of delight When first she gleamed upon my sight; A lovely apparition, sent To be a moments ornament; Her eyes as stars of twilight fair; Like twilights, too, her dusky hair; But all things else about her drawn From May-time and the cheerful dawn; A dancing shape, an image gay, To haunt, to startle, and waylay. I saw her upon nearer view, A Spirit, yet a Woman too! Her household motions light and free, And steps of virgin liberty; A countenance in which did meet Sweet records, promises as sweet; A creature not too bright or good For human natures daily food; For transient sorrows, simple wiles, Praise, blame, love, kisses, tears, and smiles. And now I see with eye serene The very pulse of the machine; A being breathing thoughtful breath, A traveler between life and death; The reason firm, the temperate will, Endurance, foresight, strength, and skill; A perfect Woman, nobly planned, To warn, to comfort, and command; And yet a Spirit still, and bright With something of angelic light. Lyric Poetry Lyric poems typically express personal (often emotional) feelings and are traditionally spoken in the present tense. Modern examples often have specific rhyming schemes. Greek lyric poetry was defined by its musical accompaniment, and modern forms are sometimes also set to music or a beat Lyric Poetry consists of a poem, such as a sonnet or an ode that expresses the thoughts and feelings of the poet. The term lyric is now commonly referred to as the words to a song. Lyric poetry does not tell a story which portrays characters and actions. The lyric poet addresses the reader erectly, portraying his or her own feeling, state of mind, and perceptions. Dying I heard a fly buzz when I died; The stillness round my form Was like the stillness in the air Between the heaves of storm. The eyes beside had wrung them dry, And breaths were gathering sure For that last onset, when the king Be witnessed in his power. I willed my keepsakes, signed away What portion of me I Could make assignable,-and then There interposed a fly, With blue, uncertain, stumbling buzz, Between the light and me; And then the windows failed, and then I could not see to see. Part of Sonnet Number 18, William Shakespeare: Shall I compare thee to a summers day? Thou art lovelier and more temperate. Rough winds do shake the darling buds of May, And summers lease hath all too short a date. Sometime too hot the eye of heaven shines, And often is his gold complexion dimmed, And every fair from fair sometime declines, By chance, or natures changing course untrimmed. I Felt a Funeral in my Brain I felt a Funeral, in my Brain, And Mourners to and fro Kept treading treading till it seemed That Sense was breaking through And when they all were seated, A Service, like a .uf3ca8a4effecce03e5d94e206ebbc514 , .uf3ca8a4effecce03e5d94e206ebbc514 .postImageUrl , .uf3ca8a4effecce03e5d94e206ebbc514 .centered-text-area { min-height: 80px; position: relative; } .uf3ca8a4effecce03e5d94e206ebbc514 , .uf3ca8a4effecce03e5d94e206ebbc514:hover , .uf3ca8a4effecce03e5d94e206ebbc514:visited , .uf3ca8a4effecce03e5d94e206ebbc514:active { border:0!important; } .uf3ca8a4effecce03e5d94e206ebbc514 .clearfix:after { content: ""; display: table; clear: both; } .uf3ca8a4effecce03e5d94e206ebbc514 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uf3ca8a4effecce03e5d94e206ebbc514:active , .uf3ca8a4effecce03e5d94e206ebbc514:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uf3ca8a4effecce03e5d94e206ebbc514 .centered-text-area { width: 100%; position: relative ; } .uf3ca8a4effecce03e5d94e206ebbc514 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uf3ca8a4effecce03e5d94e206ebbc514 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uf3ca8a4effecce03e5d94e206ebbc514 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uf3ca8a4effecce03e5d94e206ebbc514:hover .ctaButton { background-color: #34495E!important; } .uf3ca8a4effecce03e5d94e206ebbc514 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uf3ca8a4effecce03e5d94e206ebbc514 .uf3ca8a4effecce03e5d94e206ebbc514-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uf3ca8a4effecce03e5d94e206ebbc514:after { content: ""; display: block; clear: both; } READ: Comparing Poetry EssayDrum -Kept beating beating till I thought My Mind was going numb And then I heard them lift a Box And creak across my Soul With those same Boots of Lead, again, Then Space began to toll, As all the Heavens were a Bell, And Being, but an Ear, And l, and Silence, some strange Race Wrecked, solitary, here And then a Plank in Reason, broke, And I dropped down, and down And hit a World, at every plunge, And Finished knowing then Epic Poetry Traditionally, an epic poem is a long, serious, poetic narrative about a significant event, often featuring a hero. Before the development of writing, epic poems were memorize and played an important part in main taining a record of the great deeds and history of a culture. Later, they were written down and the tradition for this kind of poem continued. Epics often feature the following: a hero who embodies the values of a culture or ethnic group; something vital that depends on the success of the heros actions; a broad setting, sometimes encompassing the entire world; intervention by supernatural beings. Examples of epics include Galoshes, the Odyssey, and Beowulf. Odyssey The opening book of the Homers Odyssey foreshadows what will happen in the next 23 books. Starting in the middle (after the invocation of the Muse), Book I quickly summarizes events leading to Ethanes appearance before the council of the gods to ask for help bringing Odysseus safely back to his kingdom of Ithaca: After the fall of Troy, the Greeks tried to sail home, but most of them, cursed by the gods, failed or met death upon their return. Not so Odysseus. Between the ten years of the Trojan War and the years Poseidon has spent blocking Odysseus homecoming, Telemeters, the infant son Odysseus left behind, has become a man, faced with the difficult task of staving off his mothers suitors. Now that Poseidon is on vacation, so to speak: But now that god Had gone off among the sunburns races, Most remote of men, at earths two verges, In sunset lands and lands of the rising sun, To be regaled by smoke of thighbones burning, Haunches of rams and bulls, a hundred fold. (From Fitzgerald translation. ) All the other gods support Athena. Jupiter dispatches the gods messenger, Hermes, to instruct the nymph Calypso to give up the man she has detained seven years. Meanwhile, Athena contrives to persuade Telemeters to take action. Disguising herself as a trusted family friend, Mentis, she descends to Ithaca to persuade Telemeters to hold an assembly, rebuke the suitors, and commission a boat with crew to travel throughout Heals seeking news of his father. Besides establishing the direction of the story and briefing the listener on recent events, the first book of the Odyssey presents a series of contrasts between the divine and mortal worlds and a parallel between Odysseus family and that of the leader of the Achaean forces at Troy, Agamemnon. The gods had warned Augustus against taking what was not his, but Augustus wouldnt listen. While the Achaeans fought the Trojan, Augustus took Agamemnon fife and kingdom of Mycenae for his own. He got his desserts when Agamemnon son Rooster killed him for murdering his father. Rooster revenge marks his transition to manhood and wins him his patrimony. It is important that Telemeters be willing to do the same: keep his mother safe for his father and kill the men who would steal his patrimony, should it become necessary. Just as Athena had to convene a meeting of the gods before putting her plan to work, so it is important for Telemeters to gain the backing of the Ithacan elders. Proper procedure must be followed.

Monday, November 25, 2019

Essay The Dress Essay Example

Essay The Dress Essay Example Essay The Dress Paper Essay The Dress Paper When she is finished from work, she wants to be the loved person, and In fact she cant go on with the Job. She Is considering to quit it and start making Jewelry instead. She wants her birthday dinner to be quiet and neat and not with big emoticon showings, and she wants her two daughters Flora and Rachel to get on more well, since they are not getting on well at all. Rachel and Flora are sisters and it would seem that Rachel is the oldest of the two. She Is tall, brave and clever, and Flora is Jealous at her for being that. It seems that Flora Is always trying to be better than Rachel In any way, but without success. Flora and Rachel does not get on well. Communication between them is always in an angry tone of voice (barbed and dangerous). Flora has got an extreme need of being superior to her sister, and as a result of this, Rachel always keeps her stuff locked up. Generally Rachel hates Flora especially after Flora has taken Earaches dress. The story starts in medias rest. The events in it are almost represented in a chronological order, but there are flashbacks. Furthermore you could say, that this story Is written opposite the cosmos-chaos-cosmos-model. At first we read about Rachel screaming and she has got a huge problem with the fact, that her sister has taken her dress. Later on we read about the crime itself and then the dinner and at last the fatal occasion and confession. In the end both girls leave their mother. Rachel to live apart from her sister and Flora to not face her mothers disappointment. It is total chaos, and Flora Is In a state of mind, where she would think of doing something stupid. There Is a lot of symbolism In the text. First of all the dress could symbolize the mothers love. Rachel has got it, and she will not give it away, even though Flora ants it very badly. When Flora then steals the dress, it could symbolize the friendship between the two girls. Flora abuses their friendship, and then she ruins it totally and try to forget that it ever existed. The noise in the restaurant could symbolize the mind activity of Rachel especially but also the mother and Flora. Rachel and Floras minds are In disorder because of the dress, the mothers mind Is In disorder because of her job and daughters. Alberta, the Italian, could symbolize an inner voice of Floras, telling her that she in fact did look as wonderful as she had always wanted to. The icy autumn weather could symbolize the mind of Flora. It is without hope, without happiness. It is cold since all of her opportunities for regaining the love of her sister and mother has been blown. At last the father could symbolize a lifeboat to rescue people from a sinking boat. The family would be the sinking boat n w c ten mother stay, Hoar leaves to crown on near own, Ana Rachel seeks lifeboat, her father. In the text there are themes such as family problems, stealing, Jealousy, growing up, celebration, inability to show love and inability to forgive, hitch leads us back to he topic question: When should you forgive, and when should you not forgive? I think it seems like Rachel and her mother has never really been able to contain Flora. She is not as pretty and smart, so they feel different from her. When Flora then make mistakes, they cant really forgive her and that probably led to Flora becoming more and more obsessed with surpassing Rachel. I think you should always forgive people their mistakes for if you dont you really have a problem at the time when you make a mistake. And I think that you are always capable of forgiving anyone. Its a matter of will.

Friday, November 22, 2019

Annotated bibliography Term Paper Example | Topics and Well Written Essays - 1750 words

Annotated bibliography - Term Paper Example All over the world, most students are heartbroken by their peers, tutors or even parents by being told that they can’t make or they are typically not good enough. Teaching is an extremely exhausting profession but I have come to realize that it requires understanding, patience enthusiasm and compassion. These things are among the many am ready to provide daily. My hope is that you find is that you find practically everything you wish to about my views on education, my teaching style, my philosophy and many of learning aspects that I have achieved so far. Hopefully, by going through this portfolio you will come to comprehend the teacher in me. My goal and vision is to elaborate strengths that make me efficient, passionate and useful part of any teaching team out there. I strongly believe in treating all students respectfully and equally (this implies treating students differently as per their needs and giving each student a chance to succeed on their own terms), group works, fi eld-trips and extra-curriculum activities, fairness, making learning meaningful to the students, student-centered learning and realization that teaching and learning is a continuous process therefore to help generate and improve my ideas and teaching strategies I have to undertake researches and study widely (Crookes 72). In the sense that different students are gifted with different abilities and capabilities, different students should in the same sense be subjected to different learning speed, work load and attention.

Wednesday, November 20, 2019

The Personal Application Assignment Essay Example | Topics and Well Written Essays - 1250 words - 1

The Personal Application Assignment - Essay Example We fight all the time over petty matter like who will pay the bill and who will take the car front seat, what we wonder about is when wars will end. The people we meet on an everyday basis on the campus are either groups of natives or groups of non-natives. No mixes of non-ordinary type. People who try to form such groups either fall out in some semester over cultural differences or over religious matters. People who are hardliners, somehow find excuses to impose ‘my way or the highway’ sort of values on the group. That is when the group starts to fall apart. I always think and always have thought that our group of friends is the most awkward type. We were all sitting in a coffee house once when I said it out loud. I was seconded and even laughed at, especially by Jerry. Sabrina the smart one as she calls herself said that she thought it was a rare thing and not many people were gifted. I agreed with her. Isaid I felt at home with was everybody, even though none of them spoke mynative language. That stunned my friends a bit. Silence at the table brought home a realization which we never actually thought of earlier. I was the only guy who actually was of Asian origins while all others were either Europeans or Americans. For us it has never been about rules, it has always been about discovering new things together.My friends had come to love anIndonesian dessert which is I make at home. We went with Arthur on his religious trip, met with Matilda’s guy and discovered that they will marry soon enough, learnt about law and congratulated Sabrina on picking such a boring subject.Together we went to see the Grand Canyons which was my idea and the Disney World which was the girls’ idea during the term break; driving from one place to the other. I think of our group and our mischiefs often. Not that we were into serious kind of stuff. We were just the naughty kind of

Monday, November 18, 2019

Business Communications Assignment Example | Topics and Well Written Essays - 750 words

Business Communications - Assignment Example Requirements include: Bachelors Degree in Accounting/Finance; Sound knowledge of accounting policies and procedures and of basic financial techniques for planning, forecasting, and related analyses; Strong analytical skills required; CPA a plus. To apply for this exciting position, please contact me at timothy.ponzio@parkerlynch.com Job Experience: 1-3 Years http://jobview.monster.com/Financial-Analyst-Team-Environment-Job-Parsippany-NJ-US-112781073.aspx The job is appealing because it is totally related to my interest. I want to build my career in the research. The job posting and the requirements are interesting and can help me build my career in the financial market. Additionally it is the job posting of Parker & Lynch, which is located in New Jersey. The NJ is considered as one of the most appealing place of the world to build career in finance. Moreover, Parker & Lynch is a firm totally focused in financial services. Therefore, it is more convincing and appealing to work with hi ghly professional financial analysts that can help me learn a lot regarding the Financial Market. Cover Letter: Dear Sir/Madam, I’m a candidate for Level-III June-13 Chartered Financial Analyst (CFA) program from CFA Institute, Virginia, USA. I've fairly detailed understanding of professional and ethical standards regarding investment management. I’ve done MBA (Finance) from highly recognized University. During my studies my core modules were Financial Statement Analysis, Corporate Finance, and Fixed Income, Portfolio Management, Quantitative Techniques, Equity, Money Market and Capital Market. I grasped a holistic view of the functions and practice of the financial planning. I have got deep attention to detail and that always helps me in all my analytical tasks. I am fully focused on my career. I am looking for a job that gives me a space to accomplish meaningful and worthy achievements for the company in such a way that I can also grow along with the organizational o utcomes. I have a crystal clear vision about my possible placement and that is achieving quick results individually and as a part of a team. I have got good ability to interpret situations and I am strongly focused on activities that generate value to the company and its customers. This is a brief overview of my studies, my professional experience & personality. I hope if given a chance, I will definitely be an asset for your Institution. Looking forward to hearing you soon. Kind Regards; XYZ. xyz@yahoo.com Curriculum Vitae ABC Address: Tel: Email: Objective education work experience Uiversity Projects other skills INTErests rEFERENCES To obtain a distinct position in the global financial industry where I can play my role in analysing financial instruments and get to the top while enhancing my analytical skills. CFA Level III Candidate MBA Finance MTO at an Investment Boutique Intern at Walls Fargo Work Cited "Financial Analyst/ Team Environment Jobs in Parsippany, New Jersey - Park er & Lynch

Saturday, November 16, 2019

Rent-A-Captive Insurance Company Development

Rent-A-Captive Insurance Company Development A Critical Analysis of the Benefits, Risks and  Implications of Creating an Off-shore  Rent-a-Captive Insurance Company in Bermuda. Contents (Jump to) Abstract Chapter 1    Methodology Chapter 2 –   Research Process Chapter 3 – Findings and Evaluation of Findings 3.1 Captive 3.2   Analysis of Benefits, Risks and Implications 3.3 Rent-A-Captive 3.4 Pestle Analysis 3.5 Porter’s Five Forces Abstract The potential for utilizing a rent-a-captive facility in Bermuda represents a method that is a business proposition to examination the risks, benefits and implications of utilizing this as a viable strategy. Inherent in equating any strategy are its suitability, ease of entry and exit as well as costs and weighing these against the learning curve and relative benefits that will accrue in best and worst case scenarios. To reach such a determination, the examination will employ a number of strategic as well as financial tools, along with the advantages and disadvantages of the methodology to determine its viability in a general, specific and overall sense. The use of any business strategy has either direct and or indirect implications which represent variables that must prove their worth in their ability to further the overall aims, objectives and purpose of the entity and to be particularly of benefit in adverse economic conditions and or unforeseen occurances. The preceding tough evaluative climate represents the acid test via which to effectively prove or disprove its potential worth to the enterprise. A ‘captive insurance company’ represents an entity that is set up for the limited purpose by parent insurance companies to finance risks from the main organization and or its subsidiaries (Bawcutt, 1997, pp. 8-9). Rather than representing a new concept, captive insurance companies have been around since the mid 1870s, borne out of ‘protection and indemnity’ clubs of that period which offered marine insurance in coverage of third party liabilities as well as expenses emanating from either operating or owning ships as a principle (Braithwaite and Drahos, 2000, p. 157). The preceding was a result of the passage of the Lord Campbell Act of 1846 (Alabama Law Review, 2004, p. 884), which â€Å"†¦ was enacted by the English Parliament †¦Ã¢â‚¬  and titled the ‘Fatal Accidents Act of 1846’ whose purpose was â€Å"†¦ to alleviate the harsh results †¦Ã¢â‚¬  from either serious injury or death on ships during that period (Alabama Law Review, 2004, p. 884). Claim liability potential was increased as a result of the flood of immigrants traveling to the United States as well as the higher value of cargos and injuries to crew members. The Protection and Liability Clubs pooled resources to cover claims arising from the passage of the act and minimize exposure for the primary insurance carriers such as Lloyd’s of London (Alabama Law Review, 2004, p. 884). Captive insurance companies can be utilized to provide insurance coverage for commercial purposes, as well as industrial and governmental entities to insure either all or part of the risks facing an organization (Geisel, 2004). Captive insurance companies also can be formed as a result of companies that have similar business risks joining together to pool said risks in a cost effective manner to have the needed insurance coverage for these types of areas (Geisel, 2004). The increased growth in this industry segment is a result of the change in the way businesses and organizations see the way to finance their risks as it represents a more flexible approach against potential losses, augmenting catastrophic risk that is covered via conventional means (Sammer, 2001). Critical to the preceding is understanding that insurance represents â€Å"coverage by a contract binding †¦Ã¢â‚¬  one party to â€Å"†¦ indemnify another against specified loss †¦Ã¢â‚¬  as a return for pr emiums paid covering said insurance (Houghton Mifflin, 2006). It, insurance, represents a form of ‘risk management’ that is a hedge against some type of financial loss that has a probable incidence of occurring, thus insurance represents the transfer of this risk from one entity to another as a result of the exchange of premiums calculated based upon the potential of occurrence. The preceding summary will provide an understanding of the purpose and niche regarding captive insurance companies as well as how they fit into the overall realm of the insurance industry represents important background information that is germane to the topic of ‘a critical analysis of the benefits, risks and implications of creating an off-shore rent-a-captive insurance company in Bermuda’. Chapter 1 – Methodology The methodology that will be utilized in this examination will consist of understanding the nuances involved in the process of single parent captives as well as rent-a-captives to determine the subtle and or obvious differences that represent either positive or negative factors which a company would need to be aware of as well as consider to have a full understanding of the process. Inherent in such is the understanding of the legal, business, regulatory, financial, operational and administrative facets of the process and how these impact upon each other in the utilization of a rent-a-captive facility. The preceding represents a broad based understanding as well as in depth with regard to the benefits, risks, implications and related factors. In equating such this examination will employ such tools as Porter’s Five Forces framework, a SWOT analysis, as well as a Pestle Analysis and a discussion of the Balanced Scorecard to aid in reaching a determination of the foregoing. The limitations to the methodology may be in that the tools of analysis are not directly suitable to analyze the process, and or they may be too many business, operational and or industry variables to enable equating if the process is or will be effective in all or most instances. The methodology is limited by the complexity of the problem in that the decision branch tree factor may be too large to adequately cover all of the potential nuances and aspects which might be important. As the basis for the study is the suitability of a certain structure for potential utilization, the methodology is thus simplified into gathering and comparison as a means to uncover the basics and related detail factors which appear in multiple sources. Chapter 2 Research Process The research process will consist of secondary measures utilizing books, journals and online sources to provide a wide cross section of ideas, viewpoints, concepts, theories and practices to ensure that the salient foundational information is based upon the true and actual conditions present. Through a comparative analysis entailing systematic methodologies of collecting, review and analysis of data, the foregoing will provide for such an outcome. Yin (1994) advises that in conducting research, one should seek to equate the positioning of such against real life phenomenon by virtue of gathering a number of viewpoints to reach a balanced understanding. Yin (1994) also adds that the broader the examination, the better will be the grasp of the information and thus conclusions reached. Maxwell (1996) supports Yin’s (1994) approach and cautions that quality is more important than quantity, thus the research process will seek to weed out lesser sources in favor of more established ones through a comparative process. The preceding represents the suggested approach as put forth by Lieberson (1991), as well as King et al (1994). As the subject represents a pragmatic consideration whereby theory is less important, the comparative analysis of sources is easier as the base information should be relatively close, if not identical, depending upon the jurisdictional locale. Said variable renders the research process as relatively straight forward. Chapter 3 – Findings and Evaluation of Findings In examining the subject matter, background information as well as facts, details and information pertaining to the field of captive insurance companies is an important foundation to understanding the benefits of a rent-a-captive as a comparison. The forgoing includes an understanding of the jurisdiction in which the rent-a-captive is located. 3.1 Captive 3.1.1 Bermuda Bermuda’s entrance into the international insurance market got its start in 1947 when it was selected by C.V. Starr â€Å"†¦ as the location for his American International Company, Limited (Bermuda Market Solutions, 2005, p. 3). The captive concept was promulgated by Fred Reiss in the mid 1960s as â€Å"†¦ an insurer owned by a non-insurance parent †¦Ã¢â‚¬  (Bermuda Market Solutions, 2005, p. 3) which was established to finance the insurable exposures of the parent. Bermuda is the global leader in the captive insurance market, growing dramatically during the 1980s as a result of group captives that were created to permit smaller companies to align with those of similar interests to thus gain greater control over their insurance through the pooling of risks (Bermuda Market Solutions, 2005, p. 3). One of the largest of these was the OIL Insurance Ltd. that was formed by petroleum companies in the early 1970’s as a result of difficulties they were facing in the property insurance market. Table 1 – Total Insurance Assets for all International Insured’s (in billions) (Bermuda Market Solutions, 2005, p. 3) Bermuda, is the premier domicile for captive insurance companies as well as rent-a-captives with in excess of 1700 insurers (Lowtax.net, 2004). The captive insurance market has slowed over the last couple of years in contrast to its rapid growth pace of the late 1980s and 1990s with other locales offering similar advantages thus effectively bringing its share of the global market down to approximately one third of all captives from a high of 40% in the mid 1990s (Crombie, 2005). Locations such as the Cayman Islands, British Virgin Islands, Hawaii, Guernsey, and Barbados as well as Dublin, along with an addition 45 other jurisdiction as well as a number of states in the U.S. have slowed Bermuda’s growth and market share as a result (Crombie, 2005). Other factors in this trend have been (Crombie, 2005): the increased popularity of risk retention groups whose small size, in general, does not make them really suitable for location in Bermuda, increased marketing by new jurisdictions such as Hawaii and Vermont which have the advantage of being American states, developments in the varied types of corporate vehicles that are available, notably segregated account companies, and lastly, the ways in which some jurisdictions count their captives, including those that have formed and not removing them once they have been dissolved. Another important consideration is cost. Bermuda is expensive and thus since cost does matter to smaller captives as well as those operating on slimmer margins, there selection of locale takes this facet into account. Bermuda’s client base primarily consists of large U.S., European and South American companies whose presence has been in that location for some time (Crombie, 2005). The cost is offset by Bermuda’s reputation, quality of professional expertise as well as the ease of access thus minimizing the cost variable over the long term as a result of the foregoing and the locale’s stability. Another factor that must be considered with respect to Bermuda’s global positioning in terms of the attraction of new captives is the limited infrastructure on the island for residences, schools and traffic. Bermuda is basically more of an exclusive club which is based upon quality as opposed to quantity (Crombie, 2005). As the third largest insurance local after Ne w York and London, Bermuda’s new business formations in 2004 saw approximately 50% in the form of captives (Lowtax.net, 2004). The country is the number one location for segregated account companies with 83 that include 6,234 cells within cells as compared to 126 protected cell companies in all other locations as of 2003 (Lowtax.net, 2004). Table 2 – Captives by Domicile Year End 2002 (Towers Perrin, 2004) Table 3 – Leading Captive Domiciles (Elliott, 2005) The preceding represents data on captives as of year end 2002, thus accounting for the higher figures indicated above, showing captive numbers for domiciles mentioned as a comparison. 3.1.2 Rent-a-Captive Insurance Companies A rent-a-captive insurance company provides ‘captive’ insurance facilities to other companies for a fee and protects itself from any losses via individual programs that are further isolated from losses via other programs in the same company (Banham, 2001). Banham (2001) provides the analogy of thinking of a rent-a-captive insurance company â€Å"†¦ as a mall of stores †¦Ã¢â‚¬  and each store represents â€Å"†¦ the self insurance program of a particular company†. The rent-a-captive concept represents the fact that a company does not have to go through the procedures and regulations entailed with incorporating its own captive as it is able to lease one instead. The preceding represents a business rationale for creating an off-shore rent-a-captive insurance company, leasing out its existence. The concept of the rent-a-captive provides much of the same benefits that corporate owned captives do in that it provides (Banham, 2001): increased control regarding losses as a result of improved claims management, the ability to derive a profit from underwriting along with investment income from the funds that are set aside for claim reserves, various tax benefits, and avoidance of accounting and audit issues, which are the responsibility of the rent-a-captive sponsor. The advantages of the establishment of a rent-a-captive insurance company depend upon a number of factors on the part of the interested company. These aspects shall be discussed in the analysis of the benefits, risks, and implications of a rent-a-captive. 3.2 Analysis of Benefits, Risks and Implications In equating the reasons, as well as benefits, risks and implications of forming a rent-a-captive it is important to have an understanding of the reasons as to why captives are formed, thus providing an understanding of the benefits of a rent-a-captive. The following represent the foregoing (Elliott, 2005): To reduce and or stabilize cost Generally, the financing of risk under a captive lowers overall cost and aids in stabilizes costs long term as a result of being less susceptible to changes in the insurance market. Examples of cost savings are represented by the fact there is: no profit load, the reduction and or elimination of commissions to brokers, lower costs for administration, the owners in a captive share in all of the earnings through policyholder or shareholder dividends, a captive avoids costly insurance regulations as well as the exclusion of payments into residual market pools and premium taxes, savings in loss – cost is another area as captives serve to increase the awareness of risk management as well as cost awareness among top management. The savings benefits, in general, exceed the expense of both setting up the captive as well as administering it. Increase capacity and provide access to reinsurance A captive can access the capacity of reinsurance markets and might be able to provide more coverage limits than available within the retail market. An example of the preceding is whereby multiple insurers participate in what is termed as a slip to offer millions in added capacity which would not otherwise be available. A ‘slip’ is a binder that often includes more than one insurer. An example of the preceding is provided by Lloyd’s of London whereby the slip is passed from underwriting to underwriter to initial and subscribe to specific parts of a risk (captive.com, 2006). Control One of the reasons for the origin of captives is due to insurance buyers that were tired of the vagaries of the market regarding insurance and looked for more control concerning underwriting, rates, investments and claim settlements. Captives provided them with these benefits. Coverage An advantage of captives is that they can provide coverage to subsidiaries and other firms that might not otherwise be possible or available for such areas as professional liability, certain business risks and punitive damages. Rate and form freedom The benefits of special constructed wording can be written by captives as a guide for reinsurers to follow to thus provide coverage’s for obscure areas. Establishment of better than average claim experience As the claim history for a captive insured may be improved or batter than the overall class of business for an insurer in the commercial category, this aspect makes a sound argument for retention of that risk in this framework as opposed to the broader and poorer claims experience as a whole. Recapture of investment income and to accelerate and or manage cash flow The investment income derived from a captive may be completely or partially retained by the captive as opposed to staying with commercial insurers thus providing revenues that would otherwise be lost. Insurance accounting Special tax treatment accrues to insurance companies, such as tax deductible reserves for claims not paid and in the instance of life insurance reserves no taxes are paid on the internal build up of interest income. Tax deductibility Other tax advantages are possible such as in the case of multiple owners or insured as well as in the cases where the insured and shareholders are not the same. Another area is in the deductibility of premiums along with the deferred taxation of insurance income. Careful consideration of tax benefits need to be investigated prior to adding such advantages to the list of benefits. Perceived safety of formalized services As the books and records of captives are audited along with the claim reserves being under constant review by actuaries, investments managed by professionals and accounts that are maintained by managers that are independent, these services represent checks and balances with so many differing external factors checking the books and accounts that the system has extra measures of safety that in most cases is superior to other means whereby a number of these functions is performed in-house or by the same company. Favorable regulations Many captives are formed offshore to avoid certain unnecessary regulations concerning solvency. However, just as in onshore solvency regulations, offshore captive solvency regulations are designed to protect policyholders. In some instances this regulation is weak in offshore locales, which is not the case for Bermuda as well as the state of Vermont in the United States. Administrative tool for funding retentions In many instances, large organizations create captives to fund differences between their large corporate deductibles or retention and smaller deductibles or retention of its individual business units. Under the captive format the main organization is able to offer fixed cost rates that are above the smaller deductibles and balance the equation of as a result overall larger rate, thus spreading the deductible or retention and achieving savings. Risk management Captives provide the risk manager with more leverage than the annual cost allocation process. Innovative deals Captives can increase the access to certain deals, such as more creative loss portfolio transfers achieved by transferring liabilities from one balance sheet to another. Warehouse data Being in a captive can provide a tool for the collection of better as well as more data in support of its cost management efforts. An example of this is that a captive can be the central repository for what is termed common disability cost management for instances when an organization elects to finance certain employee risk benefits as well as worker compensation risks. Strategic partner support Coverage can be made available by organizations for their various business partners as represented by key suppliers and or customers, as well as independent contractors, etc. when the normal market pricing and or terms are not favorable. The preceding may very well provide tax management as well as profit advantages. Profit In some instances captives are created to underwrite the risks of a customer or to provide third party insurance. Such undertakings can provide and or add value to an organization as a result of tying the customer to the owner. Some of the preceding areas represent clear financial aspects as well as non financial operating areas which can in certain instances turn out to be as important or more important than the financial considerations in creating or utilizing a captive. The understanding of the benefits, advantages and implications of a captive are integral in the discussion of a rent-a-captive in that the reasons and rationales that are found in the former also apply to the latter. As such, a discussion of the structuring of captives is an important aspect to be considered in this context, as such aids in the understanding of a rent-a-captive. There are three primary aspects of captives, the financial, operational and of course personnel. Captive financial resources consist of premiums along with capital and investment income. The premiums and or capital can consist of non-investment instruments such as a letter of credit and these financial resources must be sufficient to accomplish three tasks (Geisel , 2004). First is the facet of financing the legal obligation as part of the insurance and or reinsurance agreements. Secondly, the financial resources must be sufficient to finance a reasonable level attributed to adverse development, and lastly, the financial resources needed to fund the expenses of operating the captive. It is important to understand that captives, as well as rent-a-captives operate in a somewhat similar fashion as traditional insurers. It, the captive, directly issues policies to insured’s, and or reinsurers via a fronting insurance company (Geisel, 2004). It also collects the premiums and pays claims as well as setting reserves aside to pay for legal obligations stemming from its insurance and or reinsurance agreements, and pay for the captive’s operating expenses, and dividends (Geisel, 2004). One of the advantages is that captives usually utilize a captive management company to run the day to day operations, maintain books and serve as the liaison with the regulators and Board of Directors (Towers Perrin, 2004). Captives also can and often do utilize specialty service providers, accountants, legal council and actuaries to aid in the operational aspects thus eliminating the need for finding, retaining, and setting up office space to house these aspects, which represent a considerable cost savings in internal administration. In terms of managing costs, captives have the following benefits and or advantages (Elliott, 2005): Actuarial Bermuda requires an actuarial analysis as an aspect of the feasibility study concerning the area(s) of insurance and or reinsurance being contemplated for setting up a captive. The premiums as well as losses are thus based upon this information and when the actuarial review has established a level of confidence in these figures, the captive will thus make a better impression on regulators, tax advisors and reinsurers. Bermuda requires ongoing actuarial analysis. Expenses In most circumstances a captive should be able to operate in a more efficient manner than commercial insurance companies. The captive’s expenses should be in the area of below twenty percent of premiums, unless loss control dictates a higher ratio. Investment It is a general practice among captives to set premiums to reflect the time value of cash in the assumption that the investment returns will closely approximate the amortization of the premium discount over time. The captive investment policy should thus be in keeping with the assumptions that are utilized to set premiums. 3.3 Rent-A-Captive The foregoing analysis and details concerning captive insurance companies provides the needed foundational and structural information to better understand the nature of the entity and thus the implications, benefits and other facets associated with electing to utilize a rent-a-captive format. Given the preceding, the reasons and rationales for electing to choose a rent-a-captive format takes on increased meaning. Rent-a-captives represent the fastest growing segment of the captive category and the indications are that they will continue this trend and become even more broadly utilized in the future (International Risk Management Institute, 2004). Large corporations usually establish a captive to aid in the underwriting of its risk as well as to assume portions of its losses based upon the prospect of making or deriving a profit from these operations (Elliott, 2005). In essence, the corporation enters the business of insurance in an attempt to gain control over its losses as well as t o lower the cost of its insurance as a result of deriving a return of profit from underwriting and or investment income. Smaller companies lacking the financial resources to cover the costs of setting up and meeting requirements for a captive can derive much the same benefits through renting a captive as the alternative to receiving the indicated benefits from their insurance program(s). Rent-a-captive insurance companies are in general funded, created and â€Å"†¦ rented by insurers, brokers or groups of affiliated businesses† (International Risk Management Institute, 2004). The determination as to whether a rent-a-captive represents a viable as well as sound proposition is dependent upon a number of facets that can be summarized as follows (Geisel, 2004): size of the company considering utilizing a captive, or rent-a-captive, the amount of losses it ha

Thursday, November 14, 2019

Hip Hops Effect on American Culture Essay -- Rap Music and Pop Cultur

Hip hop has permeated popular culture in an unprecedented fashion. Because of its crossover appeal, it is a great unifier of diverse populations. Although created by black youth on the streets, hip hop's influence has become well received by a number of different races in this country. A large number of the rap and hip hop audience is non-black. It has gone from the fringes, to the suburbs, and into the corporate boardrooms. Because it has become the fastest growing music genre in the U.S., companies and corporate giants have used its appeal to capitalize on it. Although critics of rap music and hip hop seem to be fixated on the messages of sex, violence, and harsh language, this genre offers a new paradigm of what can be (Lewis, 1998.) The potential of this art form to mend ethnic relations is substantial. Hip hop has challenged the system in ways that have unified individuals across a rich ethnic spectrum. This art form was once considered a fad has kept going strong for more than three decades. Generations consisting of Blacks, Whites, Latinos, and Asians have grown up immersed in hip-hop. Hip hop represents a realignment of America?s cultural aesthetics. Rap songs deliver a message, again and again, to keep it real. It has influenced young people of all races to search for excitement, artistic fulfillment, and a sense of identity by exploring the black underclass (Foreman, 2002). Though it is music, many people do not realize that it is much more than that. Hip hop is a form of art and culture, style, and language, and extension of commerce, and for many, a natural means of living. The purpose of this paper is to examine hip hop and its effect on American culture. Different aspects of hip hop will also be examined to shed some light that helps readers to what hip hop actually is. In order to see hip hop as a cultural influence we need to take a look at its history. Throughout American history there has always been some form of verbal acrobatics or jousting involving rhymes within the Afro-American community. Signifying, testifying, shining of the Titanic, the Dozens, school yard rhymes, prison ?jail house? rhymes and double Dutch jump rope rhymes, are some of the names and ways that various forms of raps have manifested. Modern day rap music finds its immediate roots in the toasting and dub talk over elements of reggae music (George, 1998).... ... 3. Fernando, S.H., (1994). The New Beats. New York: Anchor Books Doubleday. 4. Foreman, (2002). The Hood Comes First: Race, Space, and Place in Rap and Hip hop. Middletown, Conn.: Wesleyan University Press. 5. Rose, Patricia (1991, Summer). ?Fear of a Black Planet: Rap Music and Black Cultural Politics in the 1990s,?. The Journal of Negro Education, 60 (3). 6. Potter, (1996, Jan.). ?Black by Popular Demand,? Premiere, 9, 39. 7. Kakutani, (1998, Feb.) ?Common Threads: Why Are Homeboys and Surbanites Wearing Each Other?s Clothes The New York Times Magazine, 18. 8. Lewis, (1998, Dec.). ?Hip Hop Gives Birth to Its Own Black Economy,? The San Francisco Examiner. , 1998. 9. Hilburn, Robert (1998). Year in Review/ Pop Music; in the shadow of Hip Hop; Rap is Where the Action is, and its Popularity Still Hasn?t Peaked. Could Rock ?N? Roll Be Finally Dead The Los Angeles Times, December 27, 1998, 6. 10. Chideya, Farai (1997, Mar. 4). ?All Eyez on US Time, 147 (10). 11. Farley, C. (1996, Feb. 8). ?Hip Hop Nation Time, 153. 12. Hip Hop Nation Is Exhibit A For America?s Latest Cultural Revolution, (2004), Time, 201.

Monday, November 11, 2019

Advances in Technologies that impacted on Policing

The police have originated from many years ago coming up with new technology to make the people the serve safe. Police officers made a change to patrol on foot to actual patrol cars. They have made it so nobody has to wait for a call to no were crimes is , they have two way radios always strapped around them. And they also made it to where as though they have lab tops in every patrol car to look up any information when ever they need to. So the police have came from a lot to be able to increase a way to make there jobs easier. The patrol car has been an excellent use to the police officers with catching suspects. Due to patrol car there are more eyes around the area that we live in, they are able to drive to the crime scene quicker to help someone who may be in serious danger. Without the patrol cars a lot of people would be getting away with all types of crime. Due to the fact that not every cop out there is fit or in shape so people could take the cops on foot and get away because they know the streets so well. That’s another reason why the patrol cars have been a good source to pick up crimes. Two way radios have been a major impact on how the patrol officers know where there any type of disturbance in the area that they are patrolling; due to the two ways radio an operator can specifically call on the patrol unit that is around the area where there is disturbance or were anyone is breaking the law. Without the radios a police officers wouldn’t be able to call for back up whenever they need it or some assistance. They also wouldn’t be able to call in if someone is dying and in need of an ambulance or a fire. One of the most brilliant technologies that the police officers have in the patrol cars is the lab tops. The lab tops are basically another operator for them when patrol officers want to look up information for themselves, they can also write out there police reports on there so that all grammar can the on point. On the lab tops they can also look at anyone’s file to see if they need to be taken when being pulled over or any outside action for example if a cop looks up your profile and if you have a warrant out for your arrest. They can arrest you right there in your presence because the lab tops have that type of information on them. Technology has been a major impact on how crimes have went down in the past years. Due to these three new enforces criminals are off the street on the patrol is on the watch more. If it weren’t for these new gadgets the criminal and civil laws would be broken, and a lot of things going bad. The arrest rate would go down and the criminals in the streets would take over and do as they please.