buy custom Negros Oriental State University essay

purchase custom Negros Oriental State University paper This article has been composed by four writers. Madeleine Gregg is teacher at the University of Alabama, Tuscaloosa. Marcia L. Rock is partner teacher in the branch of Specialized Education Services, University of North Carolina, Greensboro. Naomi P. Zigmond is recognized educator in the Department of Instruction and Learning, University of Pittsburgh, Pennsylvania. Robert A. Peak is Constance F. what's more, Colgate W. Darden educator at Old Dominion University, Norfolk, Virginia. The crowds focused on are the virtual mentors and educators. The article in fact centers around presenting, clarifying and empowering the utilization of Bug-In-Ear (virtual training) as a technique for instructing educators. It portrays a virtual mentor as a steady partner who motivates and develops educators and should offer all the more reassuring, supporting articulations than restorative or educational ones. The article plainly plots great characteristics and abilities required for a decent mentor inst ructor relationship. It tends to be a decent reference material for the individuals who might want to find out about virtual training and its focal points over the conventional one next to the other instructing. The writer of the article is an examination partner at the University of Kansas Center for Research on Learning and the leader of the Instructional Coaching Group. He is likewise the creator of Unmistakable Impact: A Partnership Approach for Dramatcally Improving Instruction (Corwin, 2010). In his work, he targets mentors as his crowd, with a point of delineating what great mentors are required to do. The creator underlines on the advantages of a decent cooperation between the mentor and the educator. It likewise clarifies seven association standards of instructing and the activities of good mentors. It traces association as a demonstration of shared learning as much for what it's worth about shared force. The article additionally clarifies the exercises where mentors who follow up on the organization standards ought to take part in. It delineates a mentor as a suspecting accomplice for instructors, and training as a gathering of brains. By and large, the article is valuable and stru ctures a solid counsel for mentors henceforth improves their presentation. The site manages structuring an expert advancement program for a school or area. It clarifies the attributes of a successful expert turn of events. It takes note of that the substance of expert improvement programs depends on authoritative requirements. The site likewise gives the classifications and associations that schools should concentrate on in order to guarantee ceaseless improvement. A possibility for taking a study is likewise allowed in order to gather sentiment, perspectives and realities. Its crowds are directors of a school, locale or both. It is intentionally offers fitting guidance and direction to them. It gives the tips that guarantee that schools and areas stay on an improvement plane. It maainly weights on legitimately helping the understudies accomplish their objectives and supporting understudy adapting needs. Besides, it expresses that participation is required among educators and the heads in arranging and execution procedure to guarantee the smooth running of the organization. This site can shape a decent reference for chairmen, however it doesn't give clear administration aptitudes. EDC Science Foundation. Assets for Teacher Leadership: Mentoring and Coaching The site benefits assets that help to improve instructor administration. It contains a rundown of connections to other creative locales which expounds further about tutoring and training. The connections gives progressively nitty gritty and more clear notes about the different issues identified with tutoring and instructing. Notwithstanding that it offers assets for helping a partner who might be new to instructing, the school, the control, or to an adjustment in the practices or educational plan as of late organized by the area, school, or office. The site portrays the parts of an excellent tutor program. The site targets guides particularly the individuals who are new to educating, a school, office, or educational program change. The site may likewise be a wellspring of references to training staffs. The site gives extremely valuable data to the focused on crowds. It enough empowers them to manage vital issues nearby sufficiently and with incredible aptitude. Purchase custom Negros Oriental State University article

Study notes on Metaphysical Poetry. Essay Example For Students

Study notes on Metaphysical Poetry. Article Magical Poetry Metaphysical verse emerged as a response to the limits of Patriarchies; one issue with Patriarchate sonnets is a sort of consistency the arrogance is found, introduced, expounded, yet there are barely any ensuing astonishments. Done and his adherents like to find us napping, alter course, and so forth , to thwart desires. Magical verse is, when all is said in done, described by its creativity, intelligence, and successive lack of definition. Regarding topic, powerful reject Patriarchate talk as well as he posture of contemptible love of the fancy woman which consenters had acquired by means of Patriarch from the troubadours; in its place they put sexual authenticity and an enthusiasm for reflective mental examination of the feelings of affection and religion (in some cases communicating the one as far as the other, and some of the time really being supernatural in topic as well). These writers indicated an affinity for the novel and the stunning, and savored lack of clarity, unpleasant stanza, stressed symbolism, and at their best can be startlingly compelling. We will compose a custom exposition on Study notes on Metaphysical Poetry. explicitly for you for just $16.38 $13.9/page Request now Done set the example by writing in a word usage meter doodled on the harsh give-and-take of genuine discourse, and typically sorted out his sonnets in the emotional and expository type of an earnest or warmed contention (with hesitant fancy woman, barging in companion, God, Death, himself). Utilized an inconspicuous and regularly purposely incredible rationale; reasonable, unexpected, and in some cases pessimistic in his treatment of the unpredictability of human intentions, regardless of whether in issues of affection or religion. Notoriety decrease in eighteenth nineteenth hundreds of years during which time they were viewed as intriguing yet unreasonably quick and darken unconventionalities. Enormous upsurge in the twentieth uh to the ideal press from any semblance of T. S. Eliot and Dylan Thomas. Otherworldly Conceit->a profoundly smart sort of pride broadly utilized by the magical artists, who investigated all subject matters to discover, in the startlingly elusive or the inc redibly ordinary, telling and irregular analogies for their thoughts. Powerful vanities regularly misuse verbal rationale to the point of the peculiar and here and there accomplish such lavish turns on implying that they become crazy (e. G. Richard Crashers depiction of Mary Magdalene eyes as Two strolling showers; charm sobbing insufferable and succinct seas). These vanities work best when the peruser is given a view of a genuine however already unsuspected comparability that is illuminating; at that point they may address our brains and feelings with power. Instances of potential otherworldly arrogances >love resembles an oil change; love resembles a postage stamp; love resembles a couple of compasses; the spirit of a heathen resembles a harmed pot. As should be obvious, the impulse to be just sharp should be difficult to oppose, while the trouble in making such an arrogance really powerful is very significant.

10 Scams That Target the Elderly

10 Scams That Target the Elderly 10 Scams That Target the Elderly 10 Scams That Target the ElderlyDont let yourself or anyone you love get taken in by all the scammers and con artists out there that just love targeting the elderly.It’s Older Americans Month. That’s why we’re drawing attention to different kinds of financial problems that the elderly often face. Recently, we published an article concerning financial elder abuse: specifically, how to spot it and how to stop it.Because the elderly tend to need assistance in managing their finances, they’re especially vulnerable to being taken advantage of. For this post, we spoke to the experts to find out the most common scams that target the elderly so you can be on the lookout and protect yourself and those you love.1. The grandkid scam.Many grandparents would do anything for their grandkids, whether it’s slipping them an extra cookie behind their parent’s back or freeing them from a foreign prison. Scammers are aware of this and won’t hesitate to try and take advantage of it.“I us ed to work in a bank and was trained on the newest scams so I could help prevent customers, primarily elderly customers, from falling victim to these scams,” recounted Ian Dolan, president of Crank 11 Marketing. “One of the biggest ones that is still prevalent and targets the elderly involves a phone call with the scammer pretending to be the grandchild of the elderly victim.“Basically, the scammers call and say ‘Grandma/Grandpa, its your grandson. Im down in Mexico and am in jail. I need you to send me a money order for $1,000 so I can get out. I lost all of my debit cards and have no way to pay.’“They then wait for the victim to suggest a name, then the scammer says they are that person. Then the scammer typically tells the victim to not tell anyone because its embarrassing or they can get in trouble with their job or school. They do this to try to prevent the victim from telling anyone else who may know about this scam or know that their grandson with that name is not in Mexico.“I have seen several elderly people come into the bank to purchase a money order. We are trained to ask nosy questions if this is a customer we dont know or recognize that this is not common for a familiar customer. I have stopped several elderly people from falling victim to this scam and typically convinced them to reach out to the named grandchild or their own child to verify their location before they make the money order or cash withdrawal. One woman was fully convinced that the voice was her grandson and we had to give her the cash, and she sent money via Western Union.“To avoid this scam, simply reach out to any family members to verify this story. It is far more likely that someone is trying to scam you than the likelihood of your grandchild being in prison. If you are unsure, try calling back, and ask a question, such as ‘What is my dogs name?.’ This type of open-ended question will allow you to verify that the scammer is indeed not your grandchild.”2. Website scams.Most scams these days have some sort of online component. And the elderly, as a group, tend to be less capable online.“I find that the most pernicious scams that affect my clients are those that are out in the open,” explained personal injury attorney Brad Biren. “Many baby boomers want to demonstrate that they are capable and tech-savvy, so they will try and do things online by themselves. This demographic will go to Google and then type in the name of the site they want to go to rather than the actual URL. The first links that populate their results are usually not the company they actually want to engage with online.“For example, they may want to go to Citibank. Rather than typing in www.citibank.com, they will just type in the name citibank into the Google browser. They then erroneously click on one of the first search results and they are taken to a nefarious site which was not their intended destination. I usually get involved trying to fix their errors.â €3. Email scams.Even if an elderly person knows not to go to suspicious sites, scammers may still reach out to them directly.“There are many cyber threats to be aware of in today’s digital age, but here I’ll aim to discuss one of the most frequent culpritsâ€"email,” warned Brian Gill, co-founder of Gillware Data Recovery (@gwdatarecovery). “Fraudulent emails come in all shapes and sizes, but I’d like to share some tips to help an elderly person, or anyone for that matter, easily defend against them.“If you receive an email where the ‘To’ field is left blank, it’s a clear signal that it didn’t come from the perceived sender. When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct. Also, if the email begins with ‘Hello’ but doesn’t actually state your name, that’s another red flag.“When checking your emai l, stay suspicious and on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on the links from your email, just go directly to the actual website and sign in how you normally would. You should also have some form of internet security installed. Norton AntiVirus or McAfee SiteAdvisor are two helpful tools that can prevent disaster in the event you do open a malicious email.”4. Home scams.Many elderly people choose to move to warmer states to spend their retirement. There’s a reason why we have a trope about Florida as a retirement home state (even though it might not be the best state to retire to). That means a retiree may be looking to sell their house. And that’s where the scammers come in.“Elderly homeowners who are trying to sell their house need to be aware of potential ‘We Buy Houses’ scams,” urged Shawn Breyer, owner of Breyer Home Buyers. “Real estate investors do not h ave to obtain a license to practice and are not held to any ethical standards. If you come across the wrong investment company, you could be exposed to high-pressure tactics and super low offers.“We met a lady who owed $139,000 that sold her house to an investor for $53,000. She thought that she was being offered $153,000, not $53,000. Since it was a binding contract, and per the mortgage verbiage, she had to come out of pocket $86,000 to pay off the remaining loan.“Its important that a family member help the elderly when selling their house to make sure that you are dealing with a reputable company. A good way to initially verify their credibility is to read their Google Reviews. These are real people giving real feedback about a company.”5. Phone scams.Not every “scam” is necessarily illegal. Many businesses will try to take advantage of their customers in every way they can and, as we’ve said, the elderly make easier targets.“It is more than just individual bad acto rs that are scamming the elderly,” warned Jacqueline Hugo, CTO of Hugomatica. “With the complexity of cell phone plans, especially data plans, the elderly are at a disadvantage. They often do not understand the difference between using WiFi (typically free) and cellular data (which can have a per MB charge, if they dont have an unlimited plan). And they can easily end up paying $200 a month for extra cell data usage.“So they probably should upgrade to an unlimited plan if they are going over their domestic cellular data allotment on a regular basis. And they should try to use WiFi whenever possible.“Additionally, for international travel, most carriers offer a $10 per day plan that covers a large number of countries. However, the elderly may not understand that there will be extra charges.”6. Medicare scams.Pretending that you’re working for the government is a tried and true scammer tactic. That tactic is often applied against the elderly.“Scammers targeting older adu lts often use Medicare as an opportunity to commit fraud,” advised Kathryn Casna, a Medicare specialist from Eligibility.com (@eligibilitycom). “Some scammers pose as officials from the Medicare program, insisting that people give them personal information such as a Social Security number or birth date over the phone. The goal here is identity theft.“Although Medicare is sending out new Medicare cards that dont contain the beneficiarys Social Security number, scammers are using this as an opportunity for identity theft. These criminals ask for personal information and threaten to add fees or stop coverage. They say they need this information in order to send out a new Medicare card, so if a beneficiary Googled whether they should be getting a new Medicare card, the call seems legitimate.“The recent $1.2 billion fraud in which seemingly legitimate companies prescribed unnecessary medical equipment is an example of another type of scam. These (and many other) scams require vic tims to give their personal information to impersonators over the phone. Since Medicare never calls beneficiaries to ask for such information, the easiest way to avoid these scams is to simply hang up.“If youre concerned about your Medicare coverage in any way, call Medicare yourself (so you know youre reaching official government employees) and check on it. Finally, report all suspected scams to the Federal Trade Commission (FTC).”7. IRS scams.While pretending you’re working for Medicare is an effective means to scam the elderly, pretending you’re working for the IRS might have an even greater impact. After all, the IRS can send you to jail, and no one, including the elderly, wants to hang out in jail.“In recent years, there has been a significant increase in tax scams targeting thousands of Americans and costing them millions of dollars,” explained David Cawley, CFO at Micah Fraim, CPA (@MFraim89). “From my experience, it seems that many of these scams are starting t o skew towards targeting the elderly. While social media scams are certainly on the rise, the ‘old-school’ scams via traditional means like mail, telephone, and email, are ever more increasing.“According to the FBI, telemarketing fraud is one of the mostâ€"if not the mostâ€"common ways the elderly are targeted. The most important piece of advice I can give to any taxpayer is that the IRS initiates most contact with taxpayers through regular mail via the United States Postal Service. What the IRS does not do is contact taxpayers by email, text message, or social media. Speaking specifically to seniors, it’s important to keep in mind that it’s very rare for the IRS to contact anyone via the phone. If you’re ever contacted through one of those mediums by someone representing themselves as the IRS, it’s most likely a scam.“In some circumstances, such as having an overdue tax bill or getting audited, the IRS may call or visit a taxpayer in person, but even then, taxpayers should have received several IRS notices through regular mail beforehand. Also, according to the IRS, over 70 percent of audits in 2017 were done via regular mail correspondence, so even if you do get audited it’s most likely to happen via regular mail and not in person.”8. Medication scams.Many elderly people need medication. Medication can be very expensive. The elderly struggle with the internet. These are all facts, and scammers are aware of them.“If you find an ad or website on the internet claiming to sell prescription drugs for very cheap, it is a scam,” warned Justin Lavelle, Chief Communications Director for BeenVerified.com (@BeenVerified). “Usually, they take your money and end up sending you fake or harmful drugs instead of true medications. For your safety, only accept prescriptions from your personal, trusted doctor.”9. Charity scams.Most people want to help others. Scammers want to help themselves by making you think you’re helping others.“Generally, this happens after some kind of natural disaster,” advised Lavelle. “You will get a phone call asking for donations to help the victims of the event. If you want to help, only donate to well-known charities and organizations. Do your research before you donate money to anyone you do not knowâ€"even it seems to be for a good cause.”10. Sweepstakes scams.Everyone likes winning money! Unfortunately, many sweepstakes are actually scamstakes.“This scam tells you that you have won a significant amount of money, but you need to pay a fee to receive it,” advised Lavelle. “Once you’ve sent your money, you get a check in the mail that will bounce after a few days. To keep this from happening to you, know that if you really win something, you never have to pay to get it. Another thing to keep in mind is that if you do not remember entering a contest, you probably did not. Always confirm the info before sending money to any kind of ‘contest.’”Whether you’re old or planning to be old one day, be sure to keep an eye out for these scams. You weren’t born yesterday, after all.  To learn more about how you and your loved ones can keep yourselves safe from scams and fraudsters, check out these other posts and articles from OppLoans:Expert Roundup: 13 Signs You’re Being Scammed5 Steps You Can Take to Prevent Identity TheftDating App Dangers: 7 Tips to Avoid Getting Scammed by a Fake RomanceHow to Tell if a “Business Opportunity” is Really a ScamDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsBrad Biren is the newest addition to  Johnston Martineau, joining as a senior associate in the fall of 2017. He holds an undergraduate degree from Cornell University in Ithaca, New York, and his law degree from the University of Iowa. His broad and varied experience with the law and work in the public sector includes assisting with prosecutions at the US Attorney ’s Office in Davenport, project management at the Pennsylvania Board of Probation and Parole, and nonprofit management throughout the United States.Shawn Breyer started Breyer Home Buyers with a mission to empower people to enjoy life by simplifying and solving their property issues. He and his wife flip 35+ homes in the metro Atlanta area every year.Kathryn Casna is a Medicare specialist from Eligibility.com (@eligibilitycom).David Cawley is the Chief Financial Officer for  Micah Fraim, CPA (@MFraim89) and is a CPA licensed in the state of Virginia. He holds an MBA and Masters’ in Accounting and Finance. David and his firm specialize in business development and have worked with hundreds of entrepreneurs, helping advise them on how to attain the best results for their businesses.Ian Dolan is the President of the digital marketing agency Crank 11 and manages campaigns for local and national companies to increase lead generation results. He also makes it a priority in helping his community learn the newest strategies in digital marketing and serves on the Board of Directors for two marketing education non-profits.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.As a Founder and Chief Technology officer for Hugomatica, Jacqueline Hugo is the lead technical designer for 6 apps that are currently available in the App Store. Her goal for Hugomatica is to create fun, useful apps for life and learning. Since all of the App code is built using Swift, the Hugomatica apps are robust, current and optimized. She utilizes the scrum agile software development framework throughout the process for product development. In that way, Hugomatica is able to adapt to the fast-changing market and take advantage of new ideas and inspiration on a regular basis.Justin Lavelle  is a Scams Prevention Exper t and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.

The Death Penalty Is A Humane Or Inhumane Form Of Justice

Throughout time our world has experienced many forms of crime. Crime will continue in our society no matter what steps we take to prevent it. Many people wonder what they could do to decrease the crime around the world, especially the violent crimes. This is where the death penalty issue comes into play. The death penalty has been around for thousands of years and, compared to the past, has changed dramatically. For example, people used to be publically tortured and then executed in front of anyone who wanted to see unlike today, the most common practice used is the lethal injection. Yet, many people wonder whether capital punishment is a humane or inhumane form of justice. So, should all states implement the death penalty to reduce violent crimes? Having states enforce the death penalty can reduce violent criminals going back out into society to commit more violent crimes. There are many different laws concerning the use of the death penalty so not just any criminal can be given the death penalty. According to Robert Grant, people were trying to find compromises â€Å"from the time of the American Revolution through the Civil War †¦ Between those who wanted to abolish the death penalty entirely and those who wished to keep the law essentially unchanged† (The Humanist Press 2004). Certain laws had to be placed as far as what category a certain kind of murder would fall under. Grant writes, â€Å"Degrees of murder were developed, dividing the crime into first degree murder, to whichShow MoreRelatedThe Death Penalty Is Cruel And Unusual Punishment988 Words   |  4 PagesThe death penalty has been around for centuries. It dates back to when Hammurabi had his laws codified; it was â€Å"an eye for an eye, a tooth for a tooth†. Capital punishment in America started when spies were caught, put on trial and hung. In the past and still tod ay people argue that, the death penalty is cruel, unusual punishment and should be illegal. Yet many people argue that it is in fact justifiable and it is not cruel and unusual. Capital punishment is not cruel and unusual; the death penaltyRead MoreTo Kill or Not to Kill, That is the Question Essay1153 Words   |  5 Pagestimes, nations all around the world have been imposing the death penalty for a wide variety of crimes such as rape, adultery, incest, murder, espionage, treason, military desertion, corruption, human trafficking, and even drug trafficking. Execution has been becoming less and less popular each year, but it is still a very controversial subject in today’s society. Some say that execution is unconstitutional, inhumane, or otherwise unfair. Death is feared widely above all other punishment. Capital punishmentRead MoreThe Death Penalty Should Be An Option916 Words   |  4 Pagesdeserved to be tried with the death penalty as an option. He held no remorse, bef ore he went to the elementary school and slaughtered 20 kids; he murdered his 52 year old mother while she was sleeping in her bedroom. These are characteristics of a man who deserved the death penalty as punishment for the murder of 26 people and suffering inflicted on the families. This man was neither innocent nor deserving of sympathy. In cases similar to Sandy Hook, the death penalty should be an option. The strongestRead MoreCase Analysis : Three Hot s And Cot 1589 Words   |  7 Pagesothers truly believe death is the one and only answer. In the United States only thirty two out of the fifty states still use capital punishment as an option (â€Å"Death Penalty Information Center†). Over the years for one reason or another a lot of states have made their own decision based on personal reasoning and what is best for them as a whole. The first argument that one hears is that the death penalty is in humane. There are also other aspects of utilizing the death penalty that may persuade onesRead MoreThe Issue With The Death Penalty1555 Words   |  7 PagesThe Issues with the Death Penalty The death penalty is a very controversial subject for everyone, especially in the US. Some people think that it should be abolished and others think that it should stay a part of the government’s form of punishment. People think that the death penalty is a good way to deter crime because it should scare the person who is committing the crime. Some also feel that keeping the death penalty will cut down on government costs. The opposing side believes that the crimesRead MoreIntroduction Of The Death Penalty Debate1523 Words   |  7 PagesIntroduction to the Death Penalty Debate It was said by an Iowa State Supreme Court justice in the 1840s, â€Å"Crime indicates a diseased mind in the same manner that sickness and pain do a diseased body. And as in the one case we provide hospitals for the treatment of severe and contagious diseases, so in the other, prisons and asylums should be provided for similar reasons† (Banner, 2002, p.118). Individuals who have committed crimes serve their sentences and punishments, or are â€Å"treated†, in prisonsRead MoreThe Death Penalty As A Form Of Punishment1491 Words   |  6 Pages The Death Penalty Elizabeth del Rio San Jose State University Abstract This paper will propose all the arguments for and against the use of the death penalty as a form of punishment. The death penalty, also known as Capital Punishment, is a punishmentRead More The Banning of Capital Punishment Essay1058 Words   |  5 Pagescivilized society. A humane culture cannot abide the organized extermination of human beings in the name of justice. In the United States, dozens of people are put to death every year like stray animals, only perhaps in less humane ways. The methods of capital punishment vary greatly, but none are publicly accepted as humane. Societys support for the death penalty is waning, but there is still enough support in the United States to keep it legal in many states. The death penalty exercises only theRead MoreShould There be a Capital Punishment in Kazakhstan?862 Words   |  3 Pages Capital punishment or execution is the legal process of putting a person to death as a punishment for committed crime. The death penalty is legal in m any countries as Iran, USA, China, India and Sudan. However, other countries, including Kazakhstan, find it cruel and violent. This essay indicates are there more benefits or drawbacks in using capital punishment in Kazakhstan. This research will begin by evaluating the social factors of capital punishment then it will proceed to investigate theRead MoreCapital Punishment and Life Without Parole Essay897 Words   |  4 PagesThe first death sentence that has been historically recorded was as far back as 16th century BC. This occurred in Egypt, the wrongdoer was accused of magic and he was then ordered to take his own life. In present day the death penalty has changed drastically. The death penalty has undergone many changes since then. In medieval times the methods used to kill people were inhumane and often times cruel. In modern times the methods to kill people are much more humane. The death penalty has been used

Essay on Cognitive Science and Its Link to Artificial...

Cognitive Science and Its Link to Artificial Intelligence In recent years, researchers in the field of psychology have turned their collective attention to the developing field of cognition. The term comes from the Latin word cognoscere, meaning â€Å"to come to know†, and today is defined by the Merriam-Webster dictionary as â€Å"the act or process of knowing, including both awareness and judgment†. Cognitive psychology seeks to identify and examine the elements composing human intelligence. This includes the study of human learning or intellectual development, problem solving, memory, the human language, and the processing and comprehension of information. These functions are often taken for granted as part of human existence. Yet,†¦show more content†¦A world without language seems inconceivable. But how is language connected to our thoughts? A central controversy in linguistics surrounds the relationship between our language and our thoughts. Does thought determine language, or does language determine tho ught? To analyze this question, linguists have first examined the structure of human language. Language can be broken down into several layers of linguistic elements. Phonetics is the most elementary. Phones are the sounds produced by the human articulatory system. All humans can articulate the same set of phones, but languages differ in their individual use of this set. [1] The two main categories of phones are consonants and vowels. These phones differ greatly in the place of articulation a human makes in producing them, as well as manner of articulation, tongue height and tongue position. Phonetics leads to phonology, which specifies how different phonetic sounds produce word differentiation. A phoneme is a collection of similar sounding phones that are perceived by the human ear as a single distinctive sound in the language. These units of speech are then combined into meaning with morphology. A morpheme is a word that cannot be broken down into a smaller word or unit. Morphemes can be free (an independent word such as â€Å"bird† or â€Å"leg†), or bound. Bound morphemes are dependent upon free morphemes for standing in a language (such as prefixes likeShow MoreRelatedDefinition : Intelligence, Artificial Intelligence )1099 Words   |  5 PagesDefinition (intelligence, Artificial Intelligence) American psychologist Lewis M. Terman and Edward L. Thorndike differed over the definition of intelligence, Terman stressing the ability to think abstractly and Thorndike emphasizing learning and the ability to give good responses to questions. More recently, however, psychologists have generally agreed that adaptation to the environment is the key to understanding both what intelligence is and what it does. Effective adaptation draws upon a numberRead MoreComputer Science And Artificial Intelligence1712 Words   |  7 PagesComputer Science Computer science can be defined as a many number of technological variables, but is primarily defined as the science and processes of information processing in computer hardware and software, as well as its applications within. Computer science is comprised of many aspects that form a larger whole, that take a practical and theoretical approach to the capabilities of computers and how they process input and output information. With computers being conceived as early as the 1830’sRead MoreHow The Society Values Computer Technology1716 Words   |  7 PagesNS160014. Computer and the Society How the Society values Computer Technology Question: Google SDK/Artificial-Intelligence: Is it Good or bad? Table of Content 1.0 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦1 1.1 My theory†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦2 1.2 Respondents opinions†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦5 2.0 Summary and Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..10 Figures Fig 1.2.0 Do you interact with artificial intelligent systems? ........................................5 Fig 1.2.1 is it possible for human thinkingRead MoreArtificial Intelligence Concepts : The Future Of AI1711 Words   |  7 Pagessupporter of symbol manipulation. 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Fiction coursework final draft Mollie Coucill Free Essays

The moon shone hauntingly over the harsh pine trees protruding from the stiff ground like a stake from the heart of a vampire. New layers of snow fell on the cold, hard ground of the forest, covering prints that had been created there earlier that day. In the centre of Newgrove Forest a river ran fiercely and deeply, splitting the fearsome forest in half. We will write a custom essay sample on Fiction coursework final draft Mollie Coucill or any similar topic only for you Order Now Beyond the eastern section of the river stood a great manor-house, some what out of place in the eighteenth century Albanian woodland surrounding it. The house was humongous and daunting, a charcoal-burned monstrosity towering over its extensive graveyard, with hundreds of memorials and tombstones protruding from the ground at various angles. Of all the various windows lining the stone walls of the house, only one was lit; and through it was a collection of the most curious and fearsome creatures that human eyes had ever witnessed. There were twelve gathered in that room – eleven of them daemons clothed in nothing but their thick skin and lusting for flesh. Every one of the monstrous beasts was different from the next, with various differing characteristics; some bore horns and piercing crimson skin, others with a mucus colouring, and several limbs more than was normal. These eleven were gathered around a twelfth, who was clothed in hooded grey robes. Seemingly human, the twelfth member of this estranged committee appeared to be preaching to the impatient creatures around him. â€Å"Daemons of the vortex, too long have you been imprisoned within these walls! Too long have you been prevented from wreaking havoc in this world of man! And too long you have had to wait in dear anticipation for your next kill.† The man spoke in a harsh rasping voice that echoed throughout the room. â€Å"There is one who can help you; one whose death would bring forth the dawn of the new age- the age of the daemon.† The surrounding daemons began to holler and scream in excitement: they knew that this man was talking of freeing them from the house forever. â€Å"Who is this man?† asked a repulsive purple daemon, who seemed to be the leader of the daemons present. â€Å"Why, the only offspring of the long-dead monarchy of Albania,† commented the hooded figure, smugly. â€Å"Impossible!† muttered the head-daemon. â€Å"We wiped out those scum long before we were imprisoned here! You had better not lie to me, Broc!† â€Å"Well you missed one – didn’t you?† replied the man called Broc, now starting to become impatient. â€Å"All I know is that there is a boy, close to seventeen years of age, who has been branded. I saw him with my very eyes.† â€Å"Why haven’t I been informed of this?† screamed the head-daemon. â€Å"The Remok- they tracked down my enemies sixteen years ago! How could they have missed a child? I will see the end of this. Bring them forth! They will bring the boy.† â€Å"No! I mean†¦ I will see to it that the boy is brought here as soon as possible.† Broc, for the first time, showed a hint of fear; the Remok were not to be messed with. â€Å"Very well – I expect him by full moon. Three days Broc.† Replied the daemon. This marked the end of the conference, and he and his minions left, allowing Broc to show himself out. Meanwhile, beyond the western side of the river, perhaps twenty miles away from the water lay a small village within a clearing, consisting of twenty sawdust huts, held together with mud. In a hut much like any other slept a teenage boy on a mattress made of straw. Visible on the boy’s left wrist was a black tattoo- resembling an eye, impaled upon a spear. The detailing of the tattoo showed that the artist must have been of a superb standard. For now, the boy slept on. Later, when the sun was at its prime, the boy’s eyes shot open. The light was slicing through holes in the thick fibres of the wall. He screwed up his eyes, stood from his bed, and stepped from the hut. Today marked an important occasion for the boy, as it was his seventeenth birthday. He was now permitted to leave the village to search for a livelihood for himself. However, the boy had already vowed that he would leave- not to find a job- but to find his family. When he was a month or so old, the boy had been found outside the hut of the local healer, Theo, who raised the boy and called him Yan. For the next seventeen years Theo brought up Yan as his own son. He was honest with the boy; letting him know of his mysterious heritage, but Yan had always been curious, and there was no stopping him leaving the village. Now that day had arrived, Yan could not leave soon enough. When Yan had collected his belongings and retrieved his mule from the village stables, he set off on his journey, which would take him through the woods, and ultimately to the river-city of Hoelra – the city of the water. Yan travelled for three solid hours through the dense cluster of trees that had formed between his village and the river before reaching the town of Glaera, where he would stop for the night. Yan wandered through the town increasingly warily- there were dead and dying people cluttering the streets of the town, many of the dead had weeping relatives draped over their lifeless corpses. Something had happened there the previous night. Yan lowered himself from his mule as a woman collapsed at his feet, howling with pain and despair. Yan put a hand forward to lift her face and quickly recoiled. Where the left side of her face would have been, was a great bloody hole, with various brains dripping from it How to cite Fiction coursework final draft Mollie Coucill, Papers

Low Demand for Life Insurance Among Common People of Bangladesh free essay sample

The most significant measure of an industry or an activity is its contribution towards employment generation, strengthening linkages with other sectors of the economy in promoting growth and stability, and creating a sizeable impact on the national income of a country. In developed countries, the Insurance industry is a necessary part of daily life and serves all the above mentioned purposes as opposed to developing countries where insurance is still dependent upon an individual’s net disposable income, religious beliefs and government policies. Hence the economic significance of insurance as measured by the total gross premiums to GDP is very high in developed countries in contrast to developing countries. Generally, insurance companies help businesses and individuals in managing risks which can severely impact their economic well-being. Moreover, insurance companies are also termed as the largest investors in capital markets, in addition to being characterized as the sole suppliers of insurance business to reinsurance companies. We will write a custom essay sample on Low Demand for Life Insurance Among Common People of Bangladesh or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Life insurance in Bangladesh is very small in comparison to the economy of Bangladeshi Bangladesh the average revenue generated by life insurance constitute only a small (nearly . 23%) of the GDP. Bangladesh has also a low per capita income in life insurance business compared to the other countries in the south Asia region. However the market has been steadily growing but not in a rate as it should be. Economic growth, expansion of infrastructure, industries, trade and commerce is leading to the expansion of the insurance market. Although Bangladesh has opened up its economy considerably in recent years with various reforms aimed at creating favorable investment environment, there are many barriers to encourage both foreign and domestic investment in the insurance sector. In Bangladesh the social security system or simply the security system is not so strong and life is highly in threat for many reasons including natural and man made reason. But it is found that life insurance demand is low in Bangladesh and people are fond to be indifference about life insurance. This is the area of research. 1. 1Brief discussion on the secondary Research Factors affecting the life insurance purchase have been the focus of insurance research for many studies. Studies have looked at numerous variables that might be significant in explaining the demand for life insurance. Many studies find conflicting result with previous research. Life insurance consumption is complex because country’s social structure, consumer attitude toward insurance and social security system play significant roles Demand for life insurance (Hwang Greenford, 2005). In many studies it is found that the relationship between income and life insurance demand is positively related (Browne Kim, 1993; Outreville, 1996) . There is no consistent finding concerning the effect of the level of education on the demand for life insurance (Browne Kim, 1993; Outreville, 1996). Several studies suggested that highly educated people are willing to accept that life insurance provides economic security for the family and thus tend to spend more on life insurance (Truett Truett, 1990; Browne Kim, 1993). On the other hand Anderson Nevin, 1975; found that income and life insurance demand are negatively related for middle income families and positively related for low and high income families. The effect of social security on the life insurance demand varies from country to country due to social security system (Hwang Greenford, 2005). It is found that the more the social security the less the need for the life insurance (Anderson Nevin, 1975). Industrialization and social structural transformation are directly related to shift in the concentration of the population to the urban area. The decline in the mutual support resulting from decline in the agricultural sector and the decline in the number of children per family industrialization make people financially independent and this increase the demand for life insurance (Hwang Greenford, 2005). The price of the life insurance and the demand for it are negatively related (Browne Kim, 1993). In the study of Browne and Kim (1993), average life expectancy is found to be an insignificant factor affecting the demand for life insurance. However, Outreville (1996) shows that longer life expectancy has a positive effect on the life insurance demand as it result in a reduction of price of the life insurance. Age is found to be inconsistent effect on the life insurance consumption as Truett Truett, 1990; found it is positively related to demand on the other hand Anderson Nevin, 1975 mentioned age is not significant in life nsurance demand. Marital status, family sizes are found to have positive, negative and no impact on the demand for life insurance (Zietz, 2003). Browne and Kim (1993) and Outreville (1996) reveal that inflation has a significant negative relationship with life insurance demand). Lim Haberman (2004) indicated that savings deposits rate and the price of insurance are two important macroeconomic variables associated with the demand for life insurance in Malaysi a. They measure the demand for life insurance in terms of the amount of sums insured rather than the number of policies and macroeconomic variable that was the consideration of the study were the level of financial development, income per capita, inflation rate, savings deposits rate, the price of insurance, stock market return and demographic variables –crude live-birth rate, crude death rate, fertility rate, life expectancy at birth . Religion may cause a cultural opposition to life insurance (Browne Kim, 1993). Life insurance industry in Bangladesh is very small to its economy and it has a very low per capita income in life insurance business compared to other countries of the South Asian region (Islam Mamun, 2005). Ahmad Khanal (2007) found that Bangladesh ranks 78th in the world and has world market share of 0. 01%. Per capita spending on insurance is only US dollar 2. 30. Insurance premia as a percentage of GDP remains low at 0. 57% where life insurance contribution is 0. 37%. So, Life insurance has a great impact in the economy of Bangladesh but it is not growing as fast as should be. Economic growth, expansion of infrastructure, industries, trade and commerce will lead to the expansion of insurance market. They also expect that the present low insurance penetration in the country points to the potential for future expansion. In Bangladesh there are 18 private and only one public life insurance company in Bangladesh. The private and public sector arrangement are simply inadequate to provide life insurance services to 140 million people of Bangladesh (BIA, 2000; Ahmed, 1997). The number of life insurance policy holder is not increasing satisfactorily (Uddin Uddin 1999). Lack of confidence, poor service quality and innovations in the product development in life insurance from the service provider side for the lack of interest in Bangladeshi people to buy life insurance (Solaiman Haque, 1999). Islam Mamun, 2005 identified fourteen factors which are responsible for poor demand for life insurance in Bangladesh of them most important factors are ifficulty in continuation of life insurance policy, claim settlement hurdle. Given the growing competition from various investment products as well as growing competition from non traditional insurance markets such as bank, the position within the financial industry of current insurance product must be carefully examined and however the change in technology demographic factors, economic environment, many of the significant findings from studies conducted in previous years may likely be considered obsolete (Zietz ,20 03). 1. Brief Discussion on the Primary Qualitative Study Primary qualitative research is very important stage in research since the findings create the basis for further studies and also opens up new arenas that might not have been discussed in the secondary research. During the research many different people holding different positions were met and each of them came up with opinions of their own. In certain cases the concerned people were completely in disagreement with each other’s opinions while in other cases they did agree on many issues. Therefore based on what was collected during the research it can be stated that even with diverse opinions there are agreements on many different issues concerning Liquidation of the insurance policies. This section of the report attempts to summarize the findings of the research. The insurance companies do not put ample importance to choose proper marketing strategy. The overall industry image is not positive and very nominal care has been taken to overcome that. The communication by the field representative is very limited and to be more precise only bounded around close relatives and known persons which hinder the growth of the sector. Representatives are not well educated, trained, or smart to impress a learned person. Insurance policy provides a very low return on the investment compared with the same amount of investment in other sectors like share market or banks. The premium once deposited can not be withdrawn at the time of emergency which creates a negative impact by providing constraints over liquidity of the instrument. Religion is a factor for not buying life insurance policy because most of the people of Bangladesh are Muslim and the Muslim has a negative mindset regarding life insurance. People of Bangladesh does not perceive value of their life to be of importance to attain a life insurance (They think that Allah will take care of everything after death) The legal structure of the country has failed to provide protection against any fraud done on part of the company. Once a premium is lapsed it becomes very difficult to get the previously deposited money back or restart the policy. Bureaucracy of the system and hazards faced by the people to realize claim is considered an important factor of low demand for life insurance in Bangladesh. The policy terms and condition is vague and difficult for people to understand which may be real or caused by the misrepresentation of the field worker. Most of the people of Bangladesh are financially insolvent. A large portion of people live in rural area with financial crisis. So, they don’t even think about to buy a policy of life insurance. Very little portion of our total population is financially solvent enough to buy life insurance. Very small percentage of our total population is educated and the percentage is even lower who thinks like an educated person. So, the consciousness about life insurance is very low. Job security in Bangladesh is not up to the standard level. People with low job security don’t even think about life insurance which would put more pressure on them as they perceived. Common people especially in rural areas perceive insurance companies as NGOs or Co-operative Society. Many of them have bad experience about NGOs or Co-operative Society. So, they lost their interest and confidence to open a new policy. Insurance policies provide a low return compared to the same amount of investment in stock, bonds, or savings therefore people are reluctant to opt for insurance policies. Insurance policies does not cover the scenario of inflation hence decreases the demand to obtain a life insurance. The whole industry was state owned for a very long period (1971-1984), during which there was no door to door activity or any effective development program that hindered the growth of the industry and the perception of a weak industry among people created a low demand. During the period of state ownership there were a large number of fraud cases that deprived the insured or the nominee to attain the benefits. The situation created a long lasting bad impression among the people and resulted in lost faith among the people. The social structure of Bangladesh is not favorable for life insurance in Bangladesh . because in Bangladesh family is still dominant by the joint family and when one people die other members of the family supports the family which was depended on the people died. There is absence of proper coordination of life insurance Company and bank in Bangladesh. There is no direct relation between a clients account with the bank and insurance company which make a people enable to debit their account to pay life insurance premium automatically. The absence of local reinsurance company is one of the most predominant indirect factors of low demand of life insurance in Bangladesh . in Bangladesh there is now no local reinsurance company. If there is local reinsurance company in Bangladesh the claim settlement in much case would be easier and faster which will give people idea and impression about life insurance. 1. 3Gap Analysis There were mainly a few gaps between the secondary and the findings of the quail research. The main areas of irrelevancy can be summarized as: †¢During qualitative we found that inefficient marketing and communication strategy is one of the main reason of low demand which was absent in the secondary review. †¢Proper training and education of field representatives was a highlighted factor of the qualitative research but was not found during the secondary research. †¢The low rate of return is another factor that results in low demand. †¢The absence of local reinsurance company is a factor that is very crucial. From secondary survey we identified that marital status as a factor but in the qualitative part we found that the family structure is more important. †¢From qualitative research we found in Bangladesh the bank and insurance companies are not integrated which is a common scenario in many of the European countries that is one of the reason for lapse.