6 things you need to do before applying to your dream job

6 things you have to do before applying to your fantasy work Any of us who have invested energy in the quest for new employment trail have been here previously: While looking at work sheets and inquiring about organizations who are recruiting in our industry, you run over the desired dream work a posting that’s so entirely adjusted to what you’re searching for in your next vocation step that you can nearly persuade yourself that it was custom-made absolutely for you. Every little thing about it appears to be perfect a situation with an industry-driving organization who has an extraordinary notoriety and culture, work obligations that truly coordinate what you’re hoping to take on, and open doors for enduring development and achievement. In total, what has all the earmarks of being the ideal employment. At the point when we unearth the fantasy work, we as a whole recognize what occurs straightaway. An influx of tension washes over you like an unavoidable wave, with considerations of all the extraordinary applicants who may have beaten you to the application punch, and fears that your window for applying might be shutting and that your odds of landing the position might be sneaking away with each passing moment.Yeah, we’ve all been here previously, and now, you’re going to be hit with the inclination to hysterically race to go after the position before it’s past the point of no return. This is absolutely where indiscreet and ill-equipped competitors slip up and commit the kind of errors that keep them from being paid attention to by employing administrators. Don’t be one of these people.If you’re extremely plan on getting your fantasy work or any activity besides then it’s to your greatest advantage to back off, ensure you deal with these 6 significant things before applying.Review the postingMany up-and-comers get so energized in the wake of perusing an incredible employment posting that they ignore key subtleties, which regularly incorporate explicit directio ns for how to apply. New kid on the block botch neglecting to consent to all application guidelines can destroy your odds of being genuinely considered for the position. Peruse the presenting more than once on ensure that you have the entirety of the subtleties down cold.Review your application materialsSure, you need to get your resume and introductory letter in for thought before it’s past the point of no return, yet off base, mistake loaded, or deficient application materials are practically difficult to recuperate from. Trust us, setting aside the effort to back off and affirm, a few times, that your materials are great and mistake free is time well spent.Tailor your approachHaving a canned introductory letter and resume for each activity posting you run over isn't your best methodology, and insightful employing staff are going to take note. Making your resume and introductory letter for each position you apply for and featuring why you’re the perfect contender for every particular organization is a greatly improved procedure for catching eye and getting your foot in the entryway for interviews.Answer the inquiry â€Å"Why you?†The startling truth of the activity world is that there are huge amounts of qualified possibility for each vacant position, and competitors who don’t plainly show why they ought to be considered from each one of those among the up-and-comer group have minimal potential for success of having out from the group. Ensure your application materials exhibit your maximum capacity worth and detail why you’re a possibility to be dealt with and taken seriously.Mind your social mediaMany competitors become so laser-concentrated on getting their application and materials on the money that they neglect to mind different subtleties like creation sure their open web based life doesn’t contain whatever may hurt their odds. Checking a candidate’s online networking impression is industry-standard today , so ensure that anything employing supervisors and staff can see thinks about as emphatically you like your introductory letters and continues do.Don’t neglect to re-reviewIt’s never an ill-conceived notion to set aside a little effort to re-survey your whole application bundle before sending it off to ensure it’s fit as a fiddle. On the off chance that you can get an individual you trust to survey it with a new arrangement of eyes, far better. Think of it as some additional protection towards ensuring that you’re doing all that you can to land an interview.If you’re hot hands on chase trail and anxious to get your fantasy work, ensure you deal with the 6 key things referenced here before clicking â€Å"Send† for any application you submit.

Henrician Reformation Free Essays

What exactly Extent Was The Henrician Reformation Inspired By The Political And Dynastic Consideration Rather Than Religious Ideology? The Henrician Reformation acted numerous strictly propelled belief system like well as both political and dynastic contemplations. Proof shows every one of the three had their specific impact in effectively motivating the Henrician Reformation. From different acts being passed in 1533 and 1534, with one of them being The Act of Supremacy, where Henry’s line turns out to be more remarkable than it was previously. We will compose a custom exposition test on Henrician Reformation or then again any comparative point just for you Request Now In any case, strictly the reconstruction was enlivened by such things as, the break from Rome and the Pope due to Henry’s requirement for a separation structure Catherine of Aragon. Additionally the denominational confidence of England being changed to the new ‘Church of England’ confidence. Henry’s tradition was in consideration straight up to the point where he passed on. This was because of, The Supremacy Act. He got what he needed as far as riches, separate, and so forth and the individuals approved of his influence as it didn’t per state influence until he started shutting the cloisters. Henry utilized parliament and legislative issues to make known his developing matchless quality over the Church of England confidence. He did at first do this to permit the abrogation of his union with Catherine of Aragon. During the 1540s, as Henry’s wellbeing go down slope and was not exceptionally considerable, William Paget and Co. mobilized an effective oust against the moderates. This thusly permitted them to control the king’s will as well as hold onto power in the following rule. The Henrician Reformation did anyway get propelled by strict belief system. The pregnancy of Anne Boleyn touched off Henry’s effectively earnest supplication to be conceded a separation from his present spouse, Catherine of Aragon. The pregnancy itself was a social fake standard and id not please the Pope and the separation procedures would just aggravate the issue. This was the primary strict motivation, which could be said to have enlivened the Henrician Reformation, which in the long run brought about the break from Rome and the Pope, giving England its new Protestant confidence, The Church of England. When Henry had surrendered to the unavoidable loss of his cash he and Thomas Cromwell formulated an arrangement to close the religious communities. This would permit Henry to pick up cash structure the tithes and annates. In 1536 the Ten Articles were distributed. The Ten Articles pronounced that ‘Christ’s body and blood were really present ‘substantially’. This announcement implied that it could be utilized by Catholics or Lutherans also. It was done in the reasoning that it would legitimize the articles which announced that ‘sinners accomplish the legitimization by humility and confidence got together with chanty’. This was a Catholic obsession. after 3 years, in 1539, The Act of Six Articles was distributed. It was distributed as it became visible that England was not as protestant as trusted and still remained generously Catholic. Forswearing of transubstantiation was made deserving of consuming. Strategically and dynastically the reconstruction was roused yet proof shows that without the strict philosophy, it wouldn’t have become such a celebrated change. Strict belief system at first began the reorganization, with Henry needing a male beneficiary to the seat of England. Dynastic and political contemplations just back-up the underlying actuality. The Henrician Reformation started with religion and in spite of the fact that it was enlivened by governmental issues and line, this can’t detract from the way that religion profoundly affected the Henrician Reformation. Step by step instructions to refer to Henrician Reformation, Essay models

New Student Photo Series 2010 Entry #18 COLUMBIA UNIVERSITY - SIPA Admissions Blog

New Student Photo Series 2010 â€" Entry #18 COLUMBIA UNIVERSITY - SIPA Admissions Blog New students click here for information on how to submit your own photos for posting on the blog. ____________________________ This set of photos comes from Andrea Bustard, an incoming MIA student. ___________________________ West Java, Indonesia. The newlywed, shown center, in a semi-traditional Batak wedding as guests take their last look before the couple leaves. The bride carries a live chicken and a basket of rice representing future prosperity. West Java, Indonesia. A young boy gets a chance to walk on water in the parking lot of a department store promotion. Astoria, Oregon. Passing through on a road trip to Seattle, I took this photo of a bridge that borders Oregon and Washington.

George Washington Father of a Nation Essay - 1190 Words

George Washington: Father of a Nation A desolate wind swept over the American encampment at Valley Forge. Freezing temperatures and blinding snow storms accompanied by heartbreaking defeats had taken their toll on these young freedom fighters. The cry for freedom could no longer be heard over hunger pains and the freezing wind. One lone figure could be seen walking through the camp trying to re-ignite that fire in his dwindling troops who were huddled together for warmth. We can only wonder what words of encouragement George Washington told his men to keep their hopes alive that long hard winter of 1778. Whatever they were, they held an army together and inspired a young nation to go on and defeat the greatest power in the†¦show more content†¦Incidentally, his surveying knowledge came in handy much later when he was President. When George was nineteen he was made a Major in charge of one of the military districts into which the colony of Virginia was divided from handling attacks on the frontier by French and Indians. This was the real beginning of the seven-year French and Indian War. Two years later he was sent on a mission to the French, to find out just what their intentions were and to warn them off. This meant six hundred miles alone through the wilderness. However, for a young fellow of his build, experience, and aptitudes this was all in the days work and probably very enjoyable. In 1754 he commanded a regiment against the French, who had established themselves at Fort Duquesne (now Pittsburgh): but he was driven back by superior forces to Fort Necessity, the American stronghold, which he held as long as humanly possible before surrendering. Washington then accompanied General Braddock and led two regiments of volunteers against Fort Duquesne. In this campaign he received four bullet holes in his coat and had two horses shot under him. Perhaps he was being saved for another time. Even though Braddock was killed, Washington was able to lead the rest of the Virg inia troops to defeat the French troops. For doingShow MoreRelatedGeorge Washington : The Founding Fathers901 Words   |  4 PagesGeorge Washington was the president whose ideals where the most coveted among the founding fathers. It is difficult to pinpoint a general idea of what the founding fathers wanted for the future of the United States. Some did not want banks just as Jackson did and some wanted to allow a central to making funding of the government much easier. In many ways leaders in Antebellum American were almost just as divided as the founding fathers but more visibly so. 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What Makes An Athlete Successful Essay - 1360 Words

What makes an athlete successful? Most would say it is the dedication an athlete has to their sport, or their physical ability and talent, but what most people don’t think of is the communication that the athlete has been surrounded by while playing their game. Interpersonal communication in sport plays a large role in the success of an athlete, and the impact of it starts as soon as we get involved in sport. For some of us that involvement begins when we are toddlers, and for others it may come later in life. The interpersonal relationships athletes develop through sport are coach to player, parent to player, and player to player. Within these relationships are factors that can positively or negatively impact an athlete in their involvement with sport, their attitude towards sport, and their emotional well being. This essay offers a combination of researches done on interpersonal communication in sport between athletes and their coaches, parents, and teammates, and will help conclude the importance of interpersonal communication in sport and it’s effect on athletes. Of the different interpersonal relationships that athletes develop through sport, the coach and player relationship has the biggest impact on athletes and their involvement, attitude, and emotional well being. Cote and Gilbert (2009) define coaching as â€Å"the consistent application of integrated professional, interpersonal, and intrapersonal knowledge to improve athletes’ competence, confidence, connection andShow MoreRelatedCommunicating With Your Athletes : An Important Aspect When Becoming A Successful Coach1311 Words   |  6 Pages Communicating with your athletes is an important aspect when becoming a successful coach. 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The Concept of Death in Edgar Allan Poe’s Poems Free Essays

string(100) " is been showcased as he tries to forgo his fear and establishes himself adamantly for the visitor\." Chapter 03 Analysis â€Å"Works of art or literature profoundly reveal their creator’s psychology† Marle Bonaparte In this chapter, the detailed analysis would focus on the aspect on different attitudes adopted by Edgar Allan Poe to portray his conception of death in selected poems. Poe himself sees death in various experiences and his transformation of death from one poem to another is noteworthy. The bedrock of analysis would be The Raven, Annabel Lee, Lenore, The City in the Sea, Eldorado, and The Conqueror Worm. We will write a custom essay sample on The Concept of Death in Edgar Allan Poe’s Poems or any similar topic only for you Order Now Although the theme in these poems is the same, the attitudes and the nature of description are entirely different in all of them. The chapter is allocated to three subtitles, man’s attitude towards death of the beloved, man’s description of death and the third corresponds to the reasons behind these attitudes adopted based on Poe’s biography. Man’s attitude towards the death of the beloved: The Raven The poem follows an unnamed narrator who is also a lamenting lover of his dead beloved Lenore. Lenore is thought to be the deceased wife of Poe and holds the central element in this poem. The narrative poem begins on a dreary night of December, where the lover is seen as tired and weak. Remembering his dead beloved he experiences ennui and tries to overcome this by diverting his attention to an old book. As the narrator is seen feeling at unease and weak, he hears a tapping on his chamber door. He consoles himself that a visitor may have tapped the door to seek asylum and nothing else. Once upon a midnight dreary, while I pondered, weak and weary, Over many a quaint and curious volume of forgotten lore,— While I nodded, nearly napping, suddenly there came a tapping, As of someone gently rapping, rapping at my chamber door. â€Å"‘T is some visitor,† I muttered, â€Å"tapping at my chamber door; Only this and nothing more.† (The Raven 112) Since the beginning of the poem, reader can feel the ambience of death surrounding the narrator. The use of â€Å"I† is the poem indicates unnamed narrator being fearful and irritated as he describes the sound in rather negative term â€Å"rapping†. According to TheFreeDictionary, the word corresponds to a series of rapid audible blows in order to attract attention. This rapping sound generated which is described is making the narrator aware of his surroundings more and he begins to fear for himself. Narrator also uses â€Å"gentle† which portrays yet another descriptive aspect, the gentle tap made the narrator aware of his situation and was able to respond to it. The narrator also shows his irritated nature: â€Å"Tis some visitor,† I muttered, â€Å"tapping at my chamber door / Only this and nothing more.† Narrator now moves on to remembering his lost beloved Lenore. He can be evidently seen to showcase his unconscious through a moment of flashback, a specific time that he is reliving again in that chamber. The use of words â€Å"dying embers† showcases a trigger generated in the narrator about his lost Lenore. It is said that â€Å"we unconsciously tend to run away from our distressing thoughts and painful experiences by believing and convincing ourselves to forget them.† These repressed thoughts and experiences remain in our unconscious in a dormant phase, and as soon as similar situation occurs, these recurring experiences surfaces. The past has surfaced again when the narrator moves into flashback, feeling sorrow for having lost his beloved forever: Ah, distinctly I remember it was in the bleak December And each separate dying ember wrought its ghost upon the floor. Eagerly I wished the morrow;—vainly I had sought to borrow From my books surcease of sorrow—sorrow for the lost Lenore, For the rare and radiant maiden whom the angels name Lenore: Nameless here for evermore. (The Raven 112-113) Here, narrator uses â€Å"bleak December† to signify cold, and consequently death. The very first line creates a conception of death as cold and unwavering in the reader’s eyes. Nothing lives in the winter, for those who live goes into hibernation till the winter surpasses. December is the month of winter. This symbolizes death as cold, unforgiving and larger in magnitude. The cold of winter wipes out the warmth effortlessly as the narrator explains it as â€Å"dying ember†. This dying ember generated the flashback of his beloved and this in turn instils the narrator to think about his beloved’s death. He calls her the â€Å"fair maiden† whom the angels took away, leaving narrator sorrowful and mournful in attribute. To surpass his sorrow, he sought refuge in books: â€Å"Eagerly I wished the morrow; – vainly I had sought to borrow / From my books surcease of sorrow-sorrow for the lost Lenore. Now narrator moves to open the door, fearing, grieving, and contemplating that it might be Lenore that seeks entrance in his chamber. The depiction of this fear is uncanny as narrator shows his inner fear which enthralls in him terrible yet fantastic horrors that he has never felt before. This uncanny attitude towards death is evident of the nature of Poe. Poe regards death as an inevitable concept in this narrative poem. The horrors that the narrator faces are portrayed through the musical effect of silken purple curtain, sad, uncertain rustling of purple curtain, narrator is now terrified of this sound and reassures himself that it might be some visitor who seeks entrance at his chamber door. From the initial concept of death as an inevitable phenomena, the transformation has made death generating fear inside narrator. The narrator is now fearful of the ambience around him as it generates the flashback of his lost love. And the silken sad uncertain rustling of each purple curtain Thrilled me—filled me with fantastic terrors never felt before; So that now, to still the beating of my heart, I stood repeating â€Å"‘T is some visitor entreating entrance at my chamber door, Some late visitor entreating entrance at my chamber door: This it is and nothing more.† (The Raven 113) The narrator’s state is been showcased as he tries to forgo his fear and establishes himself adamantly for the visitor. You read "The Concept of Death in Edgar Allan Poe’s Poems" in category "Papers" He converses with the person on the other side of the door. Narrator, completely unknown of the visitor, tries to communicate his thoughts by saying that he was nearly napping, and the visitor’s tapping was so distinct and clear that he was able to hear it, therefore, asks for their apology for he was napping and opens the door wide. However, the narrator meets nothing but darkness on the other side. Presently my soul grew stronger; hesitating then no longer, â€Å"Sir,† said I, â€Å"or Madam, truly your forgiveness I implore; But the fact is I was napping, and so gently you came rapping, And so faintly you came tapping, tapping at my chamber door, That I scarce was sure I heard you†Ã¢â‚¬â€here I opened wide the door:— Darkness there and nothing more. (The Raven 113-114) The narrator now resonates with his fear again, wondering, fearing â€Å"dreaming dreams no mortals ever dared to dream before. In absolute fear, the only word that narrator could think of was of Lenore and as he speaks it, it reverberates back to him. This can also be subjected as his inner loneliness, the narrator, weak from his mourning of his beloved feels alone and forgotten, and as he hears the tapping, thinks of his lost love coming back to him. According to Freud, the fear of death dominates us more often than we know. This fear of death allowed the narrator to recollect his memories of Lenore and call her out when he opens the door. Later a loud tapping is again heard and when he checks again finds a stately Raven of saintly days of yore entering his chamber.it sought bust of Pallas just above his chamber door to settle on and gave no attention to the narrator. The Raven plays a crucial role in this poem. This Raven not only acts as a simple animal doing its bidding but acts as a pivot to unleash the emotions narrator carries with him. Now the conception of death has yet again transformed. Death has now materialized in the form of The Raven. The raven is first and foremost, considered a bird of evil. This bird has long since been associated with different mythologies. In Norse mythology, for instance, Raven signifies as a messenger. Odin’s two ravens, Hugin and Munin, Thought and Memory; flew across the world to collect news of the day and report back to Odin. It is also associated to be a harbinger of death and doom, with strong associations with storms and floods. Narrator now fascinated and excited of the entrance of the Raven â€Å"ebony bird beguiling my sad fancy into smiling† (Raven 43) asks the creature of its name. The raven surprises the speaker by saying â€Å"Nevermore†. Narrator curious to know more starts inquiring the Raven of its whereabouts. He thinks for a minute as to what can he ask from the bird when his mind starts to wander back to his lost Lenore. The speaker feels the air becoming dense around him and scented with perfume from some heavenly being Seraphim. According to Christian angelology, Seraphim mean â€Å"burning ones† or in other words, nobles. They are also known as â€Å"ones of love†. Here the narrator believes Raven to be a messenger, a prophet which could predict if he could meet his beloved Lenore in Heaven to which he replies â€Å"Nevermore†. A constant to and fro is showcased between the narrator and the Raven. By saying nevermore, the Raven suggests that the narrator would never be able to let go of his beloved’s memories and they would haunt him till the end of times. Narrator, enraged, calls the raven â€Å"thing of evil†, â€Å"devil†, and commands the devil to return to the â€Å"Night’s Plutonian shore†. Pluto is the god of the underworld; Hades. It is presumed that the Raven has the knowledge of the dead and therefore its response â€Å"Nevermore† is deemed relevant. Through this, narrator realizes that death is the ultimate end to everything and he will never meet with his beloved again. This makes him even more melancholic and depressed and commands the raven to leave his chamber, Leave my loneliness unbroken!—quit the bust above my door / Take thy beak from out my heart, and take thy form from off my door!† And the Raven, never flitting, still is sitting, still is sitting On the pallid bust of Pallas just above my chamber door; And his eyes have all the seeming of a demon’s that is dreaming, And the lamp-light o’er him streaming throws his shadow on the floor; And my soul from out that shadow that lies floating on the floor Shall be lifted—nevermore! These lines clearly indicate the perception of the narrator. Despite the constant name calling and ordering the Raven to leave his chambers, the creature doesn’t move. This can be linked back to Death itself. No matter how one individual tries to make it go away, the course of nature undertaken by death would never shift from its original path. The Raven does not move as is â€Å"still sitting on the bust of Pallas just above my chamber door†. The repetition of the word â€Å"Nevermore† adds to the mood of the poem. Nevermore is a negative word, which means never again, which evokes emotions of helplessness and despair, sadness and melancholy; all the attributes concerning the death of someone. In this poem, this word evokes emotion concerning the death of a beloved. According to Freud’s theory on death, the speaker attitude towards the death of his beloved is unconsciously portrayed. The speaker travels in flashbacks, remembering the past encounters with his love and reliving those emotions unconsciously. He could not sever his dependence from his lover’s memories. Even if he tries to keep himself occupied with reading old volumes of books, he still somehow, retracts back to her memory that is infused in his unconscious forever. As a result, his attitude towards the raven and his answers are the manifestation of his unconscious mind’s needs. â€Å"Unconscious motivations and needs have a role in determining our behavior†. How to cite The Concept of Death in Edgar Allan Poe’s Poems, Papers

Through the eyes of the Blind Essay Example For Students

Through the eyes of the Blind Essay You can never seem to know what’s going on in another ones life, unless you put your feet in there shoes, so to judge, is simply ignorance. Raymond Carver’s â€Å"Cathedral† is a story about how the narrator is uncomfortable with having his wife’s blind friend, Robert, over. Roger has lost his wife, and to cope with her death, he planned to visit the narrator’s wife. Without any knowledge whatsoever on how to act in accompany towards a blind man, the narrator seems to get a glimpse of what it is to truly fit into the blind mans shoe. We will write a custom essay on Through the eyes of the Blind specifically for you for only $16.38 $13.9/page Order now The narrator starts his story very unenthusiastic about Roger’s visit. He based his ideas mainly from movies he remembered watching, â€Å"In the movies, the blind moves slowly and never laughs. Sometimes they are led by seeing-eye dogs.† (209). With these ideas, it made it clear on how unaware he was towards blind people. It seemed as though he believed that blind people didn’t have much to do with their lives. He felt sorry for Robert, and basically pitied Robert’s wife. The Narrator comments, â€Å"Imagine a woman who could never see herself as she was seen in the eyes of her loved one. A woman who could go on day after day and never receive the smallest compliment from her beloved. A woman whose husband could never read the expression on her face, be it misery or something better.† (213). These were such shallow words to say to someone you have never even met yet, face to face. How can he forget that these were two people who fell in love with each other for who they are, for better or for worse. Beauty is only skin deep. The narrator then anxiously awaits the arrival of Robert as he sips back his drink and watches television. They meet on a high note as the narrator’s wife introduces the both of them to each other. As they find there selves having small talk, the narrator’s wife seems to find herself being embarrassed as the narrator asks Robert, â€Å"Which side of the train did you sit on, by the way?† The wife then angrily responded â€Å"What a question, which side! What’s it matter which side† as if she weren’t sure that her husband was mature enough to handle company who supposedly is blind (215). As the night fled by Robert and the narrator’s wife caught up on old times. Time passed and the narrator’s wife had left the room, getting ready for bed. The narrator seemed to feel uncomfortable as he was left alone with Robert. He then offered another drink, and also offered to smoke some dope, and Robert accepted the offer. I guess this was th e narrator’s way to lighten up the air, for the narrator to sort of loosen up. His wife comes back, and they all participate in having a little smoke session. The narrator’s wife ends up falling asleep and Robert suggests staying up late with the narrator. With the television on, the narrator chitchat’s with Robert. â€Å"They’re showing the outside of this cathedral now†, as he explains to Robert what can’t be heard on television (223). As the television was airing this cathedral, the narrator wondered whether Robert actually knew what a cathedral really is. The narrator asks him and finds out that he only knows what he has just been informed through the television. Robert tries desperately to describe what a cathedral really is, â€Å"To begin with, they’re very tall†, he says, and then continuing on with as though his life was dependent on this (224). It seems as though the narrator wanted to give Robert a vision, he wanted to put Robert in his shoes for a change. The narrator then seemed to realize how bad he was doing, â€Å"I’m not doing so good, am I?† he tells Robert as if to see whether or not he really wasn’t doing too good of a job or what (225). Robert urges him on, and he continued with which seemed to be a great amount of effort. Robert then suggests a different approach. He gets the narrator to draw the cathedral on a construction paper like shopping bag. Robert follows through the motions of the narrator and seemingly tries to make out the cathedral. The narrator gets all into it and tries hard to draw a picture that will give at least a hint of what a cathedral is like. The narrator finishes up the drawing and Robert suggests that the narrator closes his eyes and continue to draw. The narrator agrees as if to try to see if he could be able to still draw the cathedral with his eyes shut. â€Å"I think you got it, take a look. What do you think?† Robert asked (22 8). But the narrator decided not to open his eyes, for I believe he has just seen how remarkable it is to be blind. .ucd18cde056ff8c8f488331bbcaf5a815 , .ucd18cde056ff8c8f488331bbcaf5a815 .postImageUrl , .ucd18cde056ff8c8f488331bbcaf5a815 .centered-text-area { min-height: 80px; position: relative; } .ucd18cde056ff8c8f488331bbcaf5a815 , .ucd18cde056ff8c8f488331bbcaf5a815:hover , .ucd18cde056ff8c8f488331bbcaf5a815:visited , .ucd18cde056ff8c8f488331bbcaf5a815:active { border:0!important; } .ucd18cde056ff8c8f488331bbcaf5a815 .clearfix:after { content: ""; display: table; clear: both; } .ucd18cde056ff8c8f488331bbcaf5a815 { 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; } .ucd18cde056ff8c8f488331bbcaf5a815:active , .ucd18cde056ff8c8f488331bbcaf5a815:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ucd18cde056ff8c8f488331bbcaf5a815 .centered-text-area { width: 100%; position: relative ; } .ucd18cde056ff8c8f488331bbcaf5a815 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ucd18cde056ff8c8f488331bbcaf5a815 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ucd18cde056ff8c8f488331bbcaf5a815 .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; } .ucd18cde056ff8c8f488331bbcaf5a815:hover .ctaButton { background-color: #34495E!important; } .ucd18cde056ff8c8f488331bbcaf5a815 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ucd18cde056ff8c8f488331bbcaf5a815 .ucd18cde056ff8c8f488331bbcaf5a815-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ucd18cde056ff8c8f488331bbcaf5a815:after { content: ""; display: block; clear: both; } READ: 3 goals EssayIn conclusion I believe the narrator went through a life learning experience. He was afraid of the unfamiliar. He judged another being that he had never even met. He then got to be familiar with the unfamiliar. He then made a friend. I believe this story took the reader through the narrator’s eyes, the eyes of the blind. Bibliography:

The Silver Chair Essays - Fiction, Literature, Narnia, Aslan

The Silver Chair Essays - Fiction, Literature, Narnia, Aslan The Silver Chair Imagine that you are in a different world from earth, time is different, and all living things around you can talk. While in this world you will go through the most amazing adventure that you could ever think of. That is just what happens in the novel The Silver Chair. It is an action packed, and keeps you wanting to read the whole way through. The author of the novel The Silver Chair is C.S. Lewis. The most well known novels that C.S. Lewis has written are The Chronicles of Narnia, which is made up of seven novels. This story takes place in the present time. The adventure in Narnia that these children go on takes about 12 days, however on earth it is like you had never left as time is different in Narnia. For example, if you left to Narnia while shooting hoops you would return to earth at that exact day and time when you were shooting hoops. This story starts out on a dull autumn day at a special school called the Experiment house. As the story goes on they are transferred to a knew magical world called Narnia. While in Narnia the children travel around a lot and go to several different places, they include: The Wild Waste Lands of the North, The Hill of the Strange Trenches, The House of Harfang, and The Underland. The main characters of this story are: Jill Pole, Eustace Scrubb, Puddleglum, Aslan, Prince Rilian, and The Queen of Underland. Jill Pole is a wimpy girl that gets picked on at the Experiment House who meets a unpopular boy named Eustace Scrubb, and the two of them travel to the magical world Narnia. Here they meet Aslan, Lord of the whole wood, and son of the Emperor across the sea. Aslan is the Lion, the Great Lion. He comes and goes as and when he pleases; he comes to help guide Jill and Eustace on their great adventure. They also get help on their travels from a Marsh-wiggle named Puddleglum, who helps guide the children as they do not know this knew world well. Prince Rilian disappeared when riding his horse in the woods about 10 years ago. The Queen of Underland is a bad green witch that is up to no good, living in the Underland of Narnia. This story starts out at the children's school (The Experiment House) where Jill and Eustace meet each other. They are both unpopular children who were hiding behind the gym from the other kinds when they noticed a hole in the wall. The hole seemed to be some sort of passage way, and at the end of this passage was a great lion. By now the teacher's and students were looking for the children, Jill and Eustace did not want to stay so they traveled down this tunnel to meet this great lion Aslan. Eustace is sent to Narnia right away but Jill is left behind, Aslan explains that he let them come to Narnia because he needs their help. What had happened was that the resent king of Narnia was very old and needed a replacement, the king has a son (Prince Rilian) but he mysteriously disappeared about 10 years ago. It was the two children's job to find Prince Rilian, and to do this they must follow the steps that the lion tells Jill. Eustace and Jill meet up in Narnia and set out on their journe y, early on they meet a marsh-wiggle(Puddgelum) who joins them on there great journey. First they must travel to the Wild Waste Lands of the North or the Land of the Giants. It is very rough terrain and very cold, Jill and Eustace are dying for a warm place to stay. The three travelers bump in to a beautiful lady dressed in green and a mysterious knight dressed in black, the lady explain that they could stay with the giants. They would provide food, cloths, and a warm place to stay, because Jill and Eustace are so hungry and tired they decide to go to the castle(The House of Harfang). Puddgelum explains that this might be a bad idea but they still end up going, while staying

Negotiating for Writers

Negotiating for Writers Spelling and proper grammar are essential skills for a writer. Negotiating and business sense are too, but those are the ones many people overlook. Here’s how to get higher rates, better jobs and walk out on top when it’s time to negotiate a deal. Spotting Room for Negotiation Some jobs offer terrible pay – and no amount of negotiating will get you more than $10 for 1,000 words. Other times a client states a set budget for the job and that’s it. But sometimes a client asks to discuss your rates for one or several articles. Right there’s your negotiation room. Diff’rent Strokes Your negotiation technique with a corporate blogger is going to differ from that with a self-published fiction author.   Each have different needs, and when negotiating, you’re speaking to those needs directly. There are five main negotiation styles – see Negotiations.com. Ask your client about their proposed budget and see how close it falls to what you would have normally quoted them. Don’t Agree Too Soon When you spot negotiation room, don’t agree to the first deal. Propose a counter-offer – one which offers a better deal for both of you. This can be quicker delivery at a higher rate for rush jobs, an extra blog post, a higher per-word rate when you have other projects in-between.   You have experience, and people will pay more for it. Higher Rates You can tell a new client, â€Å"I’m not okay with this rate. How about this?† You will lose some jobs, and that’s okay – you gain more in the long run. Higher rates can also be negotiated when jobs have a tight deadline or need very specialized research done. Work out the charge hourly and per word too: Which is better? (AllFreelanceWriting.com). Fatal Negotiating Mistakes Going in too high can scare potential clients off to a â€Å"no,† and so can going in too low – industry standard rates exist to minimize this (See: SAFREA, the EFA and the WGGB). Seeming desperate in negotiation will either scare clients off or teach them that you are to be taken advantage of: Never show outright desperation Swinging the Deal When several hopeful writers are negotiating, offer something others don’t in order to swing it your way. Often, this comes down to sending strong, relevant writing clips that tells the client, â€Å"This is the writer I want.† You can also swing the deal with the right counter-offer that says, â€Å"If you agree to my terms, here’s what I can do for you in return.† For one regular ghostwriting job, I offered the client two posts per week instead of one, and my rate was accepted. Compromising The whole point of negotiating is reaching the point where both parties walk away satisfied. This can also mean meeting in the middle – compromising. Always be willing to consider compromising. It can be summed up with a short, imaginary dialogue: â€Å"$500?† â€Å"$350?† â€Å"$480.† â€Å"Deal.†

Questions Exercise Assignment Example | Topics and Well Written Essays - 750 words

Questions Exercise - Assignment Example The borrower has to take the decision either to go with the higher fixed-rate mortgage or to borrow the money on lower but fluctuating rate. This decision of the borrower must be backed by the know-how of the interest rates (stability of the market rates) of the market. The duration of the mortgage is also a key factor to determine the borrowing decision. A fixed-payment loan allows the borrower an amount of principal. The amount of the principal and the interest are paid on equal payments (annual, semi-annually, monthly, weekly or daily). The equal payment consists a portion of the interest rate and the principal. On the other hand the coupon bonds are acquired by paying some money initially. The owner is entitled to receive coupon payments (annually, semi-annually or others, as defined by the owner) and a face value for the coupon at the end. The coupon payment is derived by multiplying the "Face Value and Coupon Rate (FV*r)". Option 1 is same as 80,000 at both interest rates. The total present value (PV) of option 2 is decreased by (81,911-74,840=7071) and the decrease in PV of option 3 can also be observed by comparing values at interest rate of 5% and 12%. At higher interest rates the present value received every year decreases (increase in interest rates causes the PV to decrease). The best possible way to minimize the risk would be to invest in B and C (as there lie a perfect negative correlation). The expected value is also same for both B & C. If investment in B does not perform well the investment C will perform well. The expected value is guaranteed and the element of risk is negligible. (b) By adding in your investment an additional $1,000, the Expected Value will be doubled (EV= .5*(1600-1000) + .5*(2800-1000) =1200 or 20%). The SD is also doubled [(.5*(600-1200)^2 + .5*(1800-1200)^2]^1/2 =600). If the borrowed amount is increased to $2,000 and the total investment is now $3,000 the

Phenomenological, ground theory and ethnographic differences Essay

Phenomenological, ground theory and ethnographic differences - Essay Example Despite the strong similarities, grounded theory and phenomenology have several differences. One of the differences is based on sources of data and method of data collection. Grounded theory utilizes any data and explanations that contribute to knowledge acquisition in a particular study. In essence, grounded theory admits any information that is relevant to the study. Methods used in data collection include interviews, observations, and secondary sources. On the other hand, a phenomenological approach uses data from people who have real life experience with the question at hand (Grove, Burns & Gray, 2012). The approach discriminates data from other sources. This means that the approach uses historical facts. Thus, data is often extracted using interviews. The discussion shows that the two approaches have a high similarity index. The similarity is visible in data collection and analysis in that both methods seek to make conclusions based on descriptions from the raw information. However, the approaches are different in terms of sources of data. Grounded theory utilizes data from any sources whereas phenomenological data uses data from persons who have experience with the aspect under

Determinants of Health Insurance Choices

Determinants of Health Insurance Choices CHAPTER ONE INTRODUCTION Background to the Problem Health care financing in developing countries remain a policy issue with few countries able to spend the $34 per capita recommended by the World Health Organisation as minimum requirement for basic health care. Lack of financial resources to adequately meet the increasing demand for health care needs of the African population remain a persistent problem, and is becoming more critical in the context of increasing incidences of non- communicable diseases. Consequently, there have been attempts by African governments to explore different methods of health care financing. The 2005 World Health Assembly encouraged its member states to move towards achieving universal coverage. Universal coverage does not only relate to generation of health care funds but implies equity in access and guaranteed financial risk protection. As it is the desire of all countries to move towards a system of universal coverage,6 it is argued that irrespective of the source of financing for the health system selected, prepayment and pooling of resources and risks arbasic principles in financial-risk protection. Further recognition of the importance of universal coverage for countries led to the WHO proposing the 2010 World Health Report to address financing for universal health coverage (UHC). Since independence, one of the overall objectives of the government of Kenya has been to promote and improve the health status of Kenyans. This objective is motivated by the evidence that investing in health produces positive outcomes in human capital that have long term impacts in the overall socio-economic development of a country (World Bank 1993; Mwabu 1998). In a number of government policy documents and in successive National Development Plans, the government has set forth that the provision of health services should be available, accessible and affordable to those in most need of healthcare (sessional paper No. 10 of 1965; KHPFP, various Development Plans). Different health financing policy initiatives have been undertaken in Kenya, all aimed largely at addressing affordability and access to health care services. Universalist free health for all policy saw a rapid expansion of the healthcare infrastructure, particularly in the 1970s and 1980s, and advances in health and social indicators. During this period, health financing system was supported primarily via general tax revenue. With the growing population and worsening socio-economic and political factors, a severe crisis of health and social development unraveled in the 1990s (UNDP 2002). As a result of the crisis, the governments objectives and commitments to free healthcare provision for all eroded dramatically forcing it to implement a cost-sharing scheme in 1989. User fees were abolished for outpatient care in 1990, inspired by concerns about social justice, but re-introduced in 1992 because of budgetary constraints. Today, these fees have remained, with their impact on access to health care the subject of several empirical studies. The user fee system was significantly altered in June 2004, when the Ministry of Health stipulated that health care at dispensary and health centre level be free for all citizens, except for a minimal registration fee in government health facilities. Health financing in Kenya is characterized by a high out of pocket expenditure. The Annual Health Sector Statistics Report (2008), indicate that the out of pocket expenditure as a proportion of total expenditure stands at 36% while public expenditure as a proportion of total health expenditure is 29% per cent. 31 per cent of the total health expenditure comes from the development partners while the private companies contribute 3%. This kind of scenario makes access to health a big problem for the majority of the people below the poverty line that constitute about 45.9 per cent of the population. According to the 2007 Kenya Household Expenditure Survey, 37.7% of Kenyans who were ill and did not seek care were hindered by cost. Health insurance is emerging as the most preferred form of health financing mechanism in situations where private out-of-pocket expenditures on health are significantly high and cost recovery strategies affect the access to healthcare. The need for health insura nce in Kenya has been recognized by policymakers for quite some time now, as exemplified by the establishment of NHIF in 1966 through an Act of Parliament. The most significant event in the recent past has been the governments interest in social health insurance as a health financing method and its possible implementation in Kenya. The aim is to ensure equity and access to healthcare services by all Kenyans. Despite the recognition of the importance of health insurance by the government, the number of people in Kenya enrolled in health insurance schemes is low (KNBS, 2009). In view of this, there is need to carry out a study on factors determining choice of health insurance. Overview of Health Insurance in Kenya Kimani et al (2004) put forward that health insurance in Kenya has been provided by both private and public systems. The main objective of the health systems has been to insure Kenyans against health risks that they may encounter in future. The broad categories of health insurance in Kenya are as discussed below: Private Healthcare Insurance Health insurance is considered private when the third party (insurer) is a profit organisation (Republic of Kenya, 2003a). In private insurance, people pay premiums related to the expected cost of providing services to them, that is, people who are in high health risk groups pay more, and those at low risk pay less. Cross-subsidy between people with different risks of ill health is limited. Membership of a private insurance scheme is usually voluntary. Private health insurance has been offered by general insurance firms, which offer healthcare insurance as one of their portfolio of products. Therefore, their intention may be driven by the profit motive as business enterprises rather that the pursuit to promote the general health of Kenyans. Wangombe et al (1994) identify two categories of private health insurance in Kenya: direct private health insurance and, employment based insurance. Nderitu (2002) notes that direct private health insurance is very expensive and only the middle and high-income groups afford it In the employment-based plans, the employer provides care directly through employer-owned on site health facility, or through employer contracts with health facilities or healthcare organisations. These are both voluntary health schemes and are not legislated by the government. According to Techlink International Report (1999), few firms provide healthcare insurance in the strict sense of insurance in private healthcare insurance in Kenya. The general insurance firms offering healthcare insurance as one of their portfolio of products include American Life Insurance Company (ALICO), Apollo Insurance, GMD Kenya, Kenya Alliance Insurance Company Ltd, and UAP Provincial Insurance. Other firms run medical schemes and they are in two categories: the first category provides healthcare through own clinics and hospitals (these include AAR Health Services, Avenue Healthcare Ltd, Comprehensive Medical Services, Health Plan Services), while the other category provides healthcare through third party facilities (examples are Bupa International, Health Management Services and Health First International). These medical schemes are also known as Health Management Organisations (HMOs). HMOs are registered as companies under the Companies Act. The concept originated in the US , where HMOs also help the government to disseminate preventive messages to the public. They were introduced in Kenya a decade ago in response to a 1994 Government call on the private sector to assist in medical care. HMOs are filling a vacuum left by the public health insurance scheme. In HMOs, the patient pays a fixed annual fee, called a capitation fee, to cover the medical costs. Members of a HMO must go to the doctors of that HMO. In addition, to see a specialist, their HMO family doctor must refer them. HMOs have grown rapidly especially in the last few years, especially among those who are covered by employer-provided health plans, mainly because they have helped contain cost increases. National Hospital Insurance Fund (NHIF) The NHIF was established by an Act of Parliament in 1966 as a department in the Ministry of Health, which oversaw its operations, but responsible to the government Treasury for fiscal matters. The Fund was set up to provide for a national contributory hospital insurance scheme for all residents in Kenya. The Act establishing the NHIF provided for the enrolment in the NHIF of all Kenyans between the ages of 18 and 65 and mandates employers to deduct premium from wages and salaries. Contributions and membership are compulsory for all salaried employees earning a net salary of Kshs. 1000 per month and above. The level of contribution is graduated according to income, ranging from Ksh 30 to Ksh 320 per month. The Fund covers up to 180 inpatient hospital days per member and his/her beneficiaries per year. Besides being self-financing and self-administering, the Fund monitors its own collections and distributes benefits to providers. The NHIF Act also provides for the Fund to make loans from its reserves to hospitals for service improvement. Over the years, the original Act of Parliament has been reviewed to accommodate the changing healthcare needs of the Kenyan population, employment and restructuring in the health sector. The government restructured the NHIF Act in 1998 to make the Fund an autonomous parastatal. The apex of NHIF is no longer the Ministry but a Board of Directors. The Fund was given the task of enabling as many Kenyans as possible to have access to quality and affordable healthcare against a background of rising medical costs and a dwindling share of resources. According to the amended NHIF Act, beneficiaries are both in-patients and outpatients (section 22 of NHIF Act, 1998), but outpatient services are not yet operational. NHIF Management Board pays benefits to declared hospitals for expenses incurred at those hospitals by any contributor, his/her named spouse, child or other named dependant. According to the NHIF Act, the benefits payable from the Fund are limited to expenses incurred in respect of drugs, laboratory tests and diagnostic services, surgical, dental, or medical procedures or equipment, physiotherapy care and doctors fees, food and boarding costs (Republic of Kenya, 1999). Though the NHIF is meant to be a health insurance scheme after the amendment of the NHIF Act in 1998, it is still a hospital insurance scheme since it only pays for inpatient services only. Currently, NHIF pays more than half of a typical inpatient bill in private-for-profit sector in urban areas. Although benefit rates have been increased since the onset of the cost-sharing programme, the Funds reimbursement levels remain a small proportion of the total costs of care in many for-profit facilities The relevance of NHIF has been questioned in the light of access and affordability of healthcare for the poor, together with its coverage. It is for this reason that the Kenyan Government has proposed a scheme that is supposed to address fundamental concerns regarding equity, access, affordability and quality in the provision of health services in Kenya. National Social Health Insurance Fund The proposed mandatory social health insurance scheme, seeks to transform the NHIF into a National Social Health Insurance Fund (NSHIF) to provide health insurance cover to both outpatients and inpatients. The main objective of the Fund is to facilitate the provision of accessible, affordable and quality healthcare services to all its members irrespective of their age, economic or social status (Republic of Kenya, 2003b). It will be compulsory for every Kenyan and every permanent resident to become a member through enrolment and payment of a subscription either monthly or annually, or as may be deemed convenient to different socio-economic groups. Subscriptions for the poor will be paid for with funds from the government and other sources. The current cost sharing fees will be replaced by pre-paid contribution into the new scheme. Some of the services that the members will enjoy under the new outpatient cover include: general consultation with general practitioners; prescribed laboratory tests/investigations; drugs/medicines; prescribed X-rays and ultra sound diagnosis; treatment of Sexually Transmitted Infections (STIs); Treatment, dressing or diagnostic testing; family planning; ante-natal and post-natal care; clinical counseling services; health and wellness education (Ministry of Health, 2004a) Statement of the Problem Health insurance is an institutional and financial mechanism which is seen as one option of obtaining additional resources for the financing of health care without deterring the poor and the vulnerable group from seeking care when they need it. It has the potential of generating substantial funds for equitable health care. Governments funds so saved could then be diverted to the development and expansion of primary health care services and other infrastructure. It is a way of improving quality and access to health care as well as managing resources more efficiently. Health insurance helps households and private individuals to set aside financial resources to meet costs of medical care in event of illness. It is based on the principle of pooling funds and entrusting management of such funds to a third party (government, employer or insurance company or a provider) that pays for healthcare costs of members who contribute to the pool. Lack of health insurance promotes deferment in seeking care, non-compliance of the treatment regime and results in an overall poor health outcome (Hadley, 2002). Tropical diseases, especially malaria and tuberculosis have long been a public problem in Kenya. However, Beyond grappling with a persistent high burden of infectious disease, including malaria, HIV/AIDS, and tuberculosis, Kenya faces an emerging chronic diseases problem characterized by increasing rates of cardiovascular disease, cancers, and diabetes.   Since the 1990s some of Kenyas early achievements in health have begun to reverse: Over the past two decades life expectancy has declined to 53 years, and mortality among children under the age of five has risen slightly. In Kenya, only about 10% of the population has some form of health insurance (KNBS, 2010; Republic of Kenya, 2009; Kinuthia, 2002). Coverage has remained the same since 2003. This implies that a huge segment of Kenyans are still not covered hence the burden of paying bills lies with themselves or through fund raising. In addition, most of the insurance firms are located in urban areas where a substantial number of population can afford as compared to rural areas. With the current debate on the introduction of National Social Health insurance, there is need to examine the factors which affect individuals decisions of enrolling in health insurance scheme. Purpose of the Study The purpose of this study is to identify the factors that influence choice of health insurance among Kenyans. Specific Objectives To evaluate socio-economic factors influencing choice of health insurance in Kenya. To determine the role of information on the choice factors of health insurance in Kenya. To determine how location factor influences the choice of health insurance in Kenya. Make policy recommendations Chapter two LITERATURE REVIEW Theoretical framework The theory of demand for health insurance is based on expected utility theory of The standard economic theory of behavior under uncertainty is well known; risk  averse individuals will pay to avoid severe financial consequences of the unfortunate  state of the world. In some markets, that willingness to pay to avoid risk leads to the  existence of contingent contracts, or insurance markets. In the health insurance context,  the unfortunate state of the world can be described as the event of illness or fear of  illness serious enough to require an individual or family to pay the full cost of necessary  and efficacious medical care solely out of current income or wealth. Risk averse  individuals facing actuarially fair prices will fully insure, but with unavoidable loading  costs in the real world, individuals prefer incomplete insurance. The optimal degree of  coverage in the face of loading costs is increasing in the degree of risk aversion. Ones degree or intensity of risk aversion to not having health insurance can be  reasonably posited to depend upon wealth (W), because the potential financial loss from  catastrophic illness is increasing in wealth, although after a very high threshold level of  wealth is reached, risk aversion may decline again; education (ED), because more  educated people know the consequences of not having insurance, they know the  likelihood of appropriate health care being efficacious, and they also may have more  confidence that they can obtain efficacious care within any insurance and delivery  system; income (Y), because financial protection both of wealth and of current income or consumption streams is a normal good; family status (FS), since parents and  married partners may be more likely to seek coverage for family members whom they  care about and/or for whom they feel responsible; other access to insurance  (OTHER_ESI, ELIG), since the value placed on any particul ar insurance option may be  different if one is married to a worker whose employer offers coverage, or if some family  member(s) is(are) eligible for public insurance; health status (HS) of everyone in the  family; perceived risk (RISK) to health status, increasing in age and other sometimes  observable clinical factors which we summarize with _, so that RISK = RISK(age,_);  gender (SEX), since men and women have different health use profiles; and then,  contingent on a health shock that requires an intervention, ones aversion to the risk of  illness also depends upon expected expenditures (EX) and the variance of possible  expenditures (_EX). These expenditure functions depend upon the quantity (C) and  quality (q) of medical care that may be necessary (and efficacious) as well as the  expected price of each unit of that medical care (PC). Note, when it comes to risk  aversion and demand for health insurance, the expected value of necessary medical care  is not more important than the variance of that potential demand or need for medical care,  i.e., the upper bound of potentially required medical care affects demand. In other words,  the first two moments of the health services utilization and expenditure distribution  matter, a priori, to insurance demand. We find it useful to think about an individuals demand for health insurance  having two classes of arguments: those that reflect influences on the subjective value of  insurance coverage per se, and those that determine the net price to the consumer. From  the above, one may summarize the value of a particular package of health benefits, V(Bi),  ERIU Working Paper 3 6 as: V(Bi) = V(W, ED, Y, FS, OTHER_ESI, ELIG, HS, RISK, SEX, EX(C,q,PC), _EX). Let the price of health insurance (to the individual) be P*. Health insurance demand for a  particular package of benefits is then: HId = 0 if V(Bi) HId > 0 if V(Bi) _ P*. Thus we have the truism, people will be uninsured if the value to them of the insurance  benefit package they can buy is less than the price they have to pay. We also note the  obvious that those which value health insurance the most are likely to buy the most of it,  conditional on a given price. This concept of V(B) is similar to Pauly and Herrings  notion of reservation price for health insurance (Pauly and Herring, 2002, forthcoming),  and V(B) P* is similar to consumer surplus. An interesting feature of health insurance markets is that some of those with the  highest V(B) are also those most likely to make choices such as seeking jobs from  employers that offer health insurance that lead them to find the lowest prices of health  insurance (P*). Thus purchasers of insurance are likely to obtain substantial consumer  surplus. Other people with high demand say those who expect to be very sick are  unable to work. They often either qualify for public programs or end up facing very high  prices in the private non-group insurance market, and sometimes can find no one willing  to sell insurance to them at any actuarially fair price.3 Therefore, it is difficult to sustain  the interpretation that observed prices paid in health insurance markets reflect  equilibrium marginal subjective values of having health insurance.{my argument is that  3Pollitz K, R Sorian, and K Thomas, How Accessible is Individual Health Insurance for Consumers in  L ess-Than-Perfect Health? Report to the Henry J. Kaiser Family Foundation, June 2001.  buyers have CS, so nobodys marginal utility is revealed in these markets. I inserted a  new CS sentence above}. The arguments in our expressions of health insurance demand are useful for  general expressions of demand, but we also need to make clear that some eligible people  do not enroll in insurance even though the monetary cost is zero . This would not seem  possible from our characterization of health insurance demand. The important point is  that P* in our framework represents more than just monetary cost. P* includes time cost  and any disutility from an enrollment process that is perceived as burdensome or  embarrassing (e.g. some say a kind of stigma is associated with Medicaid since it was for  so long associated with people on cash assistance). We explain more in section 4 what is  known about the ways P* exceeds zero for various public insurance programs with zero  nominal fees. 2.2 Socially Empirical Literature Kirigia et al (2005), using data from the 1994 South African Health Inequalities Survey (SANHIS) examined the relationship between health insurance ownership and the demographic, economic and educational characteristics of South African women. Applying binary logistic regression technique, they found out that environmental rating, residence, smoking and marital status variables determined health insurance coverage. The 2002 Jamaican Survey of Living Conditions was used to model the determinants of private health insurance coverage. Bourne and Kerr-Campbell (2010), using logistic regression to estimate the determinants of health insurance coverage, found out that social standing, durable goods, income, marital status, area of residence, education, social support, crowding, psychological conditions, retirement benefits, living arrangements, the number of males in the household and good health determined health insurance coverage. Nketiah-Amponsah (2009) investigated the determinants of public health insurance among women aged 15-49 in Ghana using primary data collected in three districts in Ghana in 2008. Using the logit model the paper concludes that marital status, income, age, religion and access to television and newspapers are the most significant determinants of womens insurance coverage. In addition, health inputs like medical personnel and health infrastructure increase demand for health insurance and health care. Another study using primary data was conducted in Ghana by Sarpong et al (2010) to explore the association between socio-economic status and subscription to the Ghanaian National Health Insurance Scheme (NHIS). Applying logistic regression, they concluded that economic well being and distance to the closest health facility were important determinants of National health insurance coverage. Gius (2010), using data from the 2008 National Health Interview Survey (NHIS) estimated the logistic model for determinants of health insurance coverage for young adults. They posit that socioeconomic factors among them, age, sex, race, employment, area of residence, cost of insurance and beliefs held about health insurance are important in determining the health insurance coverage. In Malawi, Makoka et al (2007), based on a logistic regression found income and education as significant determinants of private health care where public health services are free. This study used primary data collected from Blantyre and Zomba cities in 2003. A working paper study by Bhat and Jain (2006) examined factors affecting the demand for health insurance in a micro health insurance scheme setting. Estimating Takeuchi et al (1998) estimating the logistic model for factors associated with health insurance coverage among Chinese Americans in Los Angeles county found out that marital status, length of stay in the United States, education, employment and household income were important factors determining health insurance coverage. Hopkins and Kidd (1992), utilizing data from the 1989-90 National Health Survey examined the socio-economic variables which influence the demand for health insurance under medicare in Australia using the binary logit model. They conclude that age, income, health status, material wellbeing and geographical location are important determinants of decision to purchase insurance. Owando (2006) carried out a study on factors influencing the demand for health insurance in Kenya. Using the probit model, they found out that age, self evaluated health status, marital status, income, level of educational attainment, household size, risk behavior and employment status were important determinants of health insurance ownership in Kenya. CHAPTER 3 METHODOLOGY Theoretical Framework This study borrows heavily from the demand theory. Health Insurance is treated just like any other good. Hence, demand for health insurance should be affected by variables such as price of the commodity, price of related commodities, income, tastes and preferences among others. The demand equation for health insurance is modeled as follows: Model Specification The decision to buy health insurance will be formulated in two interrelated choices. First, the choice is related to the decision to buy or not the health insurance. Since the dependent variable takes two forms, will use binary logit model to study this choice. Theory and previous empirical work (Kirigia et al ,2005; Bourne and Kerr-Campbell, 2010) suggest that the probability that an individual owns a health insurance is conditional on several socio economic variables including age, education, area of residence, household size, occupation, marital status, health status among others. In this study, the relationship between the binary status variable and its determinants is specified as follows: Where are the following independent variables: age, sex, marital status, area of residence, level of education, proxy measures for economic welfare (land ownership availability of electricity, characteristics of dwelling place), knowledge (access to radio, television and newspaper), household size, occupation, health status (HIV and Tuberclosis), cigarette smoking. The second step, if the decision to buy insurance is positive is to focus attention to the types of health insurance, that is, community based health insurance, health insurance trough employer, social security and private health insurance. This can be handled by applying a polychotomous model, more in particular a multinomial logit model. This approach is justifiable because the categories refer to choices being made that are mutually exclusive. The regression model is expressed as follows: Data Sources and Variables The study will utilize survey methodology in which secondary data relating to the issue under investigation will be obtained from the 2008-09 Kenya Demographic Health Survey (KDHS). This is a nationally representative sample survey of 8,444 women aged between 18-44 years and 3465 men aged between 15 and 54 years of age selected from 400 sample points (clusters) throughout Kenya. Data collection was done from the month of November, 2008 and February, 2009. Dependent and Independent variable The dependent variable will be health insurance ownership. For purposes of coding the health insurance ownership outcome

Thesis Researched by Rose

Rose's thesis states that â€Å"Students will float to the mark you set. † † Vocational education has aimed at increasing the economic opportunities of students who do not do well in our schools. Some serious programs succeed in doing that, and through exceptional teachers – like Mr. Gross in Horace's Compromise – students learn to develop hypotheses and trouble shoot, reason through a problem, and communicate effectively – the true job skills. The vocational track, however, is most often a place for those who are just not making it, a dumping ground for the disaffected.† Rose attempts to persuade his readers by showing how dysfunctional the vocational students are and how mediocre or unchallenging their studies are. He also persuades the readers by exemplifying the instructor's poor attempts to care about the quality of learning the vocational education students are receiving. His argument is that the instructors are not inventive in their teaching methods and do not work hard at education through use of their imaginations. â€Å"The teachers have no idea of how to engage the imaginations of kids who were at the bottom of the pond.† I agree with Rose's point stating that † You're defined by your school as â€Å"slow†; you're placed in a curriculum that isn't designed to liberate you but to occupy you, or, if you're lucky, train you, though the training is for work the society does not esteem.† This seems to be the norm at all schools. But, I think at all levels, be it high school or college, the instructors teaching these types of programs should be trained to use more imaginative methods of teaching the vocational level students. Obviously, these students each learn at a different pace, but their minds still need to be challenged. They should receive education that stimulates their minds so they do not lose interest. The vocational education system is used as simply as Rose put it, as a â€Å"dumping ground for the disaffected.† I also understand the point Rose made referring to the fact that if a student is trained in a mediocre way he will do nothing but turn into a mediocre student. Resulting in boredom, indifference, tuning out, ignorance, and finally a lack of job skills society deems necessary. I think Rose was correct in the comment â€Å"Champion the average.† Although that is assuming that every vocational student has the courage to rely on his/her own good sense and put the fear behind him or her. Only most of them lack the courage or self-esteem to stand up for themselves, be it only in their own mind. Moreover, many would not take themselves seriously if they did so.

What Is the Ideal Gas Law Definition and Equation

The ideal gas law is also known as the general gas equation. It is an equation of state of an ideal gas that relates pressure, volume, quantity of gas, and temperature. While the law describes the behavior of a hypothetical gas, it approximates the behavior of real gases in many situations. The law was first stated by Émile Clapeyron in 1834. The law combines Boyles law, Avogadros law, Gay-Lussacs law, and Charles law. Equation The ideal gas law is the relationship described by the equation PV nRT where P is pressure, V is volume, n is the number of moles of an ideal gas, R is the ideal gas constant, and T is the temperature. Sources Clapeyron, E. (1834). MÃ ©moire sur la puissance motrice de la chaleur. Journal de lÉcole Polytechnique (in French). XIV: 153–90.Davis; Masten (2002). Principles of Environmental Engineering and Science. New York: McGraw-Hill. ISBN 0-07-235053-9.

How intermittent fasting can help you live healthier; benefits of intermittent fasting Free Essay Example, 2250 words

The benefit of intermittent fasting Individuals should be aware that intermittent fasting has more benefits than just fat loss by the body. Intermittent fasting approach is easier to implement and maintain. The approach reduces stress and simplicity. An eating schedule that comprises of intermittent fasting can help fight obesity and many other related disease of modern life for example heart diseases, type two diabetes, Alzheimer’s and cancer. Although the advice based on fighting obesity have mainly focused on exercise and consumption of fewer calories, The benefits of such foods as nuts, vegetables, fish, fiber and fruits and the value of eliminating and reducing consumption of snacks are often touted. Moreover, most studies have revealed that other essential aspects of diet, how and when often people eat can play a critical role in enhancing the health of different individuals (Collier, 364) In fact, the most common eating habits of three meals in a day plus snacks in the modern world are abnormal from human evolution perspective. Studies reveal that fasting alone is more potent in reversing and preventing diseases when compared to drugs. Ancient hunters and gatherers are believed to have only eaten intermittently. We will write a custom essay sample on How intermittent fasting can help you live healthier; benefits of intermittent fasting or any topic specifically for you Only $17.96 $11.86/page A research conducted two years ago revealed that eating meals earlier in the day improved weight loss in obese and overweight people. When compared with dieting, intermittent fasting is much easier.