Public School vs. Private School Education

Introduction The choice of the best school is the eternal problem for all parents. Many debates have occurred on this basis. Public and private schools vary in numerous aspects. Nevertheless, the most significant reason for parents’ choice of public schools is the cost of studying at private schools. Although public schools are free for all students, private schools are better for pupils because of the profound approach to studying and the effective environment for education.Advertising We will write a custom essay sample on Public School vs. Private School Education specifically for you for only $16.05 $11/page Learn More The comparison of public and private schools The determination of the best type of school can be rather a challenging task. There are both advantages and disadvantages in the public and private sector of education. It is necessary to compare the schools on the basis of several significant factors. Quality of education The school program and teachers’ qualifications predetermine the quality of teaching. Thus, public schools should follow the standards defined by the national curriculum. Private schools can offer a wider choice of subjects to be taught. For instance, some schools include specific topics in their programs such as sexual or religious education of children. Some parents may choose the particular school because its basis meets their principles and understanding of the world. Besides, the teacher in private schools is free to choose thy ways of presenting new material. However, some subjects such as mathematics, history, and science are obligatory in both types of schools. Private schools demonstrate the better quality of education because of their admission standards. Private schools accept students who pass necessary tests and prove that they have the desired level of knowledge. Such a selection enhances the quality expectations. Public schools have to accept all students regardless of t he level of their knowledge. Very often, this fact impedes the achievement of good academic results (Kennedy par. 6). Exposure to violence The level of violence in public schools is of primary concern to principals. There have been many cases of shooting in public schools. Consequently, public schools have to work on their security measures. It is also difficult to monitor the intentions and activities of all students in public schools. On the contrary, private schools are considered to be safer than public. It can be explained by several facts. As far as private schools do not have to accept all students, the risk for dangerous behaviors is lower. Also, it is easier to supervise pupils in private schools because they are less in number.Advertising Looking for essay on education? Let's see if we can help you! Get your first paper with 15% OFF Learn More Class size The number of students who are taught is significant for the efficiency of education. In public schools, a lmost thirty students go to one class. Teachers face difficulty in approaching and engaging every student. The time devoted to the lesson is not enough for providing all pupils with opportunities to express themselves and answer. In private schools, the class is comprised of no more than twenty students. Thus, teachers have the possibility to monitor the academic achievements of every pupil in the class. During the lesson, the teacher can approach every student and evaluate his or her knowledge. Consequently, the teacher notices students who need more attention and can help them to catch up with others. Social development The school environment influences the social and moral development of students drastically. This environment includes the social support, the educational programs, relations with other peers, and teachers’ approaches to the presentation of new material. Strong relationships are essential for the efficient social development of the child. Thus, students are m ore likely to greet each other or help with different activities when they have positive feelings (National School Climate Center 1). It is rather difficult to define the type of school that is the best for the appropriate social development of children. The social development of children depends on the school environment. One cannot say that positive school environments are typical for private or public schools only. Public schools can be helpful because pupils have the possibility to communicate with many people. They can find many friends and develop positively. However, there is a risk that the students may find friends who will influence them negatively. Also, an enormous diversity of public schools’ society provides the opportunity to learn how to behave and communicate effectively in society. Private schools, at the same time, may have the better environment for the social development because of the limited number of learners. Administrators and school personnel can do their best to create the most efficient environment for pupils while it is not always possible in public schools. Cost The primary disadvantage of private school is their cost. They are much more expensive than public schools. The necessity to pay for private education limits the number of students whose parents can afford paying annual fees. Public schools are funded by local authorities and provide all students with the equal opportunity for studying.Advertising We will write a custom essay sample on Public School vs. Private School Education specifically for you for only $16.05 $11/page Learn More Conclusion A variety of aspects influences the choice of school. Private schools provide students with better academic opportunities in comparison to public one. Despite the fact that public schools require no tuition fees and can be useful for the development of social skills, private schools are better because of the high quality of education, a limited class size, and a low level of violence. Works Cited Kennedy, Robert. Comparison of Private and Public Schools. n.d. Web. National School Climate Center. School Climate and Moral and Social Development. 2013. Web. This essay on Public School vs. Private School Education was written and submitted by user Matthias Hansen to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

How to Get Started on a Literature Review

How to Get Started on a Literature Review If you are an undergraduate or graduate student, there is a good chance that you will be asked to conduct at least one literature review during your coursework. A literature review is a paper, or a part of a larger research paper, that reviews the critical points of current knowledge on a particular topic. It includes substantive findings as well as theoretical and methodological contributions that others bring to the subject. Its ultimate goal is to bring the reader up to date with current literature on a topic and usually forms the basis for another goal, such as future research that needs to be done in the area or serves as part of a thesis or dissertation. A literature review should be unbiased and does not report any new or original work. Starting the process of conducting and writing a literature review can be overwhelming. Here are a few tips on how to get started that will hopefully make the process a little less daunting. Determine Your Topic When choosing a topic to research, it helps to have a clear understanding of what it is you want to research before setting out on your literature search. If you have a very broad and general topic, your literature search is likely to be very lengthy and time-consuming. For example, if your topic was simply â€Å"self-esteem among adolescents,† you will find hundreds of journal articles and it would be nearly impossible to read, comprehend, and summarize every one of them. If you refine the topic, however, to â€Å"adolescent self-esteem in relation to substance abuse,† you will narrow your search result significantly. It is also important not to be so narrow and specific to where you find fewer than a dozen or so related papers. Conduct Your Search One good place to start your literature search is online. Google Scholar is one resource that I think is a great place to start. Choose several keywords that relate to your topic and do a search using each term separately and in combination with each other. For example, if I searched for articles related to my topic above (adolescent self-esteem in relation to substance abuse), I would conduct a search for each of these words/phrases: adolescent self-esteem drug use, adolescent self-esteem drugs, adolescent self-esteem smoking, adolescent self-esteem tobacco, adolescent self-esteem cigarettes, adolescent self-esteem cigars, adolescent self-esteem chewing tobacco, adolescent self-esteem alcohol use, adolescent self-esteem drinking, adolescent self-esteem cocaine, etc. As you start the process you will find that there are dozens of possible search terms for you to use, no matter what your topic is. Some of the articles that you find will be available through Google Scholar or whichever search engine you choose. If the full article is not available via this route, your school library is a good place to turn. Most college or university libraries have access to most or all academic journals, many of which are available online. You will likely have to go through your school’s library website to access them. If you need help, contact someone at your school’s library for assistance. In addition to Google Scholar, check your school’s library website for other online databases that you could use to search for journal articles. Also, using the reference list from articles that you gather is another great way to find articles. Organize Your Results Now that you have all of your journal articles, it is time to organize them in a way that works for you so that you don’t get overwhelmed when you sit down to write the literature review. If you have them all organized in some fashion, this will make writing a lot easier. What may work for you is to organize my articles by category (one pile for articles related to drug use, one pile for those related to alcohol use, one pile for those related to smoking, etc.). Then, after you are done reading each article, summarize that article in a table that can be used for quick reference during the writing process. Below is an example of such a table. Begin Writing You should now be ready to begin writing the literature review. The guidelines for writing will likely be determined by your professor, mentor, or the journal you are submitting to if you are writing a manuscript for publication. Example of a Literature Grid Author(s) Journal, Year Subject/Keywords Sample Methodology Statistical Method Main Findings Finding Relevant to My Research Question Abernathy, Massad, and Dwyer Adolescence, 1995 Self-esteem, smoking 6,530 students; 3 waves (6th grade at w1, 9th grade at w3) Longitudinal questionnaire, 3 waves Logistic regression Among males, no association between smoking and self-esteem. Among females, low self-esteem in grade 6 led to greater risk of smoking in grade 9. Shows that self-esteem is a predictor of smoking in adolescent girls. Andrews and Duncan Journal of Behavioral Medicine, 1997 Self-esteem, marijuana use 435 adolescents 13-17 years old Questionnaires, 12-year longitudinal study (Global Self-worth subscale) Generalized estimating equations (GEE) Self-esteem mediated the relationship between academic motivation and marijuana use. Shows that decreases in self-esteem associated with increases in marijuana use.

Five factors of acceleration of globalisation Essay

Five factors of acceleration of globalisation - Essay Example These include market drivers, cost drivers, technological drivers, government or political drivers, and competitive drivers. Each of these will each be explained in detail in the following paragraphs (Campbell, Stonehouse, and Houston, 2002). There are two popular frameworks that cover the basic concepts of the drivers of globalisation. One of these is particularly relevant and will be covered here. One of the frameworks is Yip's Framework, and the other one of the frameworks is Porter's Framework. The one that will be covered in the context of this assignment is Yip's Framework, which covers four drivers of globalisation (Campbell, Stonehouse, and Houston, 2002). Yip did not believe in the two extremes that companies were either global or not global. Instead, he believed that all organizations were combinations of the two, each one being more of one than the other. His framework-or outline-allows an observer to determine specifically which parts of an organization are global and which parts have different aspects on a local level. If an organization wishes to evaluate their global strategy, analyzing Yip's Framework can play a crucial role (Campbell, Stonehouse, and Houston, 2002).. Yip argued that, "A global strategy will be global in many respects, but may also include features that are locally oriented. To achieve the benefits of globalization, the managers of a worldwide business need to recognize when industry conditions provide the opportunity to use global strategy levers (Campbell, Stonehouse, and Houston, 2002)." According to Yip, there are four drivers that that determine the extent of globalisation: market drivers, cost drivers, government drivers, and competitive drivers (Campbell, Stonehouse, and Houston, 2002). Market Globalisation Drivers The first driver of globalisation to take a look at is market drivers. "As domestic markets become more and more saturated, the opportunities for growth are limited and global expanding is a way most organizations choose to overcome this situation. Common customer needs and the opportunity to use global marketing channels and transfer marketing to some extent are also incentives to choose internationalization" (Bauernfeind, 2005, pg. 1). Market drivers have resulted in the convergence of per capita income among industrialized nations; take a look at the exchange rates across the globe for example. There has also been a convergence of lifestyles and tastes. People are demanding more high quality products and services than they ever have before, and they want them at the cheapest price, which seriously creates a problem for businesses that are attempting to make a profit. Organisations are beginning to behave as global customers. When organizations spread their operations to other countries, they have to look at finding suppliers in those areas in order to minimize their costs. There has been a notable increase in travel creating global consumers. This can perhaps be attributed to the astronomical increase in communication that came along with the growing popularity of the Internet. Regional and global channels have grown to astronomical proportions. This can be attributed once again to the growth in worldwide communication, as well as

Marketing Ethics Research Paper Example | Topics and Well Written Essays - 1500 words - 1

Marketing Ethics - Research Paper Example 104) describe marketing ethics as a dimension of social responsibility that involves principles and standards that delineate satisfactory behavior in marketing. Marketers should be careful and conscious of moral principles for tolerable behavior from numerous stand points such as the industry, company, consumers, society, and exceptional interest groups. When marketing actions diverge from the established principles, the exchange practice can collapse, resulting in consumer frustration, lack of reliance and law suits (Arnold, 2009, p. 113). An ethical issue is an identifiable dilemma that necessitates an organization or individual to decide amongst numerous procedures that must be assessed as wrong or right (Pride & Ferrell, 2011, p. 104). Any time an activity causes marketers or consumers in their target markets to feel manipulated or cheated; a marketing ethical situation exists, despite the legality of the activity. Ethical issues in marketing arise from product, distribution, pro motion, and pricing issues. The concept of segmentation and target marketing has been on the increase in the contemporary world. Market promotion and targeting can generate moral matters in a multiplicity of ways, among them forged and deceptive adverts and controlling sales advertising and targeting a market segment (Moore, 1990, p. 45). Marketers have fragmented consumer markets resulting to increased need for focused target marketing. Despite the role of recognizing and fulfilling customer wants, more target marketing has come with augmented denigration. Though target marketing is widely regarded as the embodiment of marketing conception, it has in certain cases been disparaged as unethical (Smith & Cooper-Martins, 1997, p. 1). Particularly, widespread media focus has been dedicated to the aiming of grown-up customer sections referred as susceptible with manufactured goods mulled over as damaging. This disapproval of targeting has engrossed merchandises such

The Roles of HR Managers versus Line Managers Essay

The Roles of HR Managers versus Line Managers - Essay Example 'For years, management professionals have argued whether treating workers well is good for business as well as being virtuous' (Plimmer, 2005: 9). In essence, this debate suggests that many business leaders continue to consider whether the needs of the business should be the primary goal of management or whether the employee, as a competent organisational resource, should be most important. The concept of human resources is a relatively new idea, as the establishment of a management system which actively engages and praises employees as valuable resources to organisational success is a contemporary idea much different than the historical, rigid management approach. However, many organisations still maintain a centralised leadership hierarchy, built on decision-making that is created by senior-level leadership. In this type of system, mid-level line managers are expected to coerce employees to comply with a rigid set of guidelines in the pursuit of sustaining strategic organisational goals. In such an environment, the employee is often overlooked as human capital and viewed more as merely a labourer. However, it appears that businesses are turning away from rigid controls and establishing a system of managerial professionals which act as employee champions; or those managers who actively pursue methods to establish stronger employee/business relationships and build on positive employee attributes to boost organisational performance. This might well be termed as the philosophy behind the establishment of HR policies.

Controversial Nature Of The Subject Of Sufism Religion Essay

Controversial Nature Of The Subject Of Sufism Religion Essay Before tenth century there had been started a new emphasis began to develop within the religion of Islam. This emphasis was a reaction against the prevailing impersonal and formal nature of Islam. For many Muslims the sharia, while seen as necessary, failed to satisfy their deepest spiritual longings and desires. The search for deeper meaning led to the development of the popular mystical side of Islam known as tasawwuf or Sufism. The controversial nature of the subject of Sufism becomes evident when one realizes that this short introduction already reveals a viewpoint which the Sufi would strongly disagree with. For, if the Sufi spiritual quest is to be viewed as legitimate, even within Islam itself, it must be rooted in the Quran and the Sunna of Muhammad. (p.b.u.h) In defense of Sufi legitimacy, some Muslims argue that it was simply a response to the growing materialism in the Islamic world. However, this argument skirts the basic reason for Sufism, as during early Islamic times under Muhammads (p.b.u.h) leadership, wealth was enjoyed and served as a great motivation for the military expansion of Islam. Muslims, at the time, followed a legal system allowing unbridled materialism, though they were fully observant of the present religious doctrine. The formal and legal nature of the Islamic system never addressed the issue of materialism, and as a result was seen as inadequate by those who became Sufis in their search for deeper spirituality. Sufism has inclined many Muslims, and is, especially in the West, represent and regarded as a valuable and legitimate part of the Islamic faith. Fazlur Rahman, in his work Islam, says that considerable ink has been spent by modern scholarship on the origins of Sufism in Islam, as to how far it is genuinely Islamic and how far a product, in the face of Islam, of outside influences, particularly Christian and Gnostic. Rahman seems to hint that some of this ink has been wasted, as he concludes that outside influences must have played an accessory role and these no one may deny, but they must have supervened upon an initial native tendency. However, aside from a vague reference to the ideas of trust in and love of Allah as being a result of developments within the intellectual and spiritual life of the community, In reaction to critics, Sufis argue that tasawwuf has been present from the very initial stages of Islam, and profess to find evidence for their claims in the Sunna and the Quran. On this basis they state that tasawwuf is the batin aspect of Islam. According to Sufi principle a number of verses in the Quran provide clear support for their mysticism. Perhaps the most often quoted as a proof is Surah 24:35, Allah is the Light of Heaven and Earth! His light may be compared to a niche in which there is a lamp; the lamp is in a glass; the glass is just as if it were a glittering star kindled from a blessed olive tree, {which is} neither Eastern nor Western, whose oil will almost glow though the fire has never touched it. Light upon light, Allah guides anyone He wishes to His light. Sufism does throw in in the means of spirituality to the religion of Islam. Mounting out of the weakness of the Islamic system of faith and practice, it, however, added a aspect which has varied and further destabilized the structure of Islamic belief and practice. Reflecting on the authentication presented, and ending given, we see that to suppose Sufism, with its important concepts, is a rightful part of Islam introduces definite problems for anyone who then challenge to try to defend Islam as a logically consistent set of beliefs. For Sufism not only points to a lack of spirituality in Islam, but also contradicts orthodox Muslim teachings in the process clearly opening the door to all the worlds religions There have been a lot of aspects which should be discussed and reconsidered regarding this aspect of orthodox teachings of Islam, so I can write it is to be continued Reference Notes: Sufism, Reformed Internet Ministries Andrew Rippin, Muslims: Their Religious Beliefs and Practices (New York: Routledge, 1990), 118, 119, 120 Fazlur Rahman, Islam (London: Weidenfeld and Nicholson, 1966), 131, 148,149 Seyyed Hossein Nasr, Sufi Essays (London: George Allen and Unwin Ltd., 1972), 11-12, 15, 137, 138, 139, 147, 149 Tara Charan Rastogi, Islamic Mysticism Sufism (New Delhi: Sterling Publishers Private Ltd., 1982), 1.. Titus Burckhardt, An Introduction to Sufism (Wellingborough: The Aquarian Press, 1990), 15, 16 In Arabic Inna liLlahi wa-inna ilayhi raji un. Martin Lings, What Is Sufism? (London: George Allen Unwin Ltd., 1975), 28,32 Haqiqa refers to the inner Truth or inner Reality that Sufis believe is at the heart of Islamic revelation. William Stoddart, Sufism The Mystical Doctrines and Methods of Islam (New York: Paragon House Publishers, 1986), 41, 66,67,83,74 Eisegesis, or the practice of interpreting meaning into a passage, bears a striking resemblance to Sufi methods of Quranic interpretation. Orthodox Muslims opposed to Sufism argue that Sufi interpretations are indeed eisegesis in other words the Sufis are ascribing an inner meaning which the verses themselves do not contain. Fazlur Rahman in his work Islam states, the Sufis, in order to justify their stand, formulated (ie. verbally invented) statements, sometimes quite fanciful and historically completely fictitious, which they attributed to the Prophet. Rahman, 132,133,134.. J. Spencer Trimingham, The Sufi Orders in Islam (Oxford: The Clarendon Press, 1971), 246.. Rahman, 140. Other authors also agree with Rahmans position on this point. A.J. Arberry argues that Abu Hamid al-Ghazali brought about Sufisms reconciliation and assimilation with orthodox Sunni theology and religious law, through a number of writings consolidated in the Ihyaulum al-din, which was written between 1099 and 1102 A.D. A.J. Arberry, Sufism An Account of the Mystics of Islam (London: George Allen Unwin Ltd., 1950), 74. . Ibn al-Arabi (1165-1240 A.D.) was one of the great Sufi masters of all time and is referred to as The Greatest Shaikh (al-Shaykh al-Akbar). Muslim opinion has always been split about Ibn al-Arabi: for some he is a great heretic; for others, a great saint. Ian Richard Netton, A Popular Dictionary of Islam (London: Curzon Press, 1992), 110.. Elliot Miller, Sufis The Mystical Muslims, Forward (Spring/Summer 1986), 17-23.. Martin Lings, What is Sufism? (London: George Allen Unwin Ltd., 1975), 84, 85, 99.. Dara Shikoh (also spelled Shukuh) was a Sufi of the Qadiriyyah order and a devout Muslim according to Seyyed Hossein Nasr. Shukuh believed the Upanishads to be the Hidden Books to which the Quran refers (lvi. 77-80) and wrote that they contain the essence of unity and they are secrets which have to be kept hidden. Nasr states that it is enough to read Shukuhs translation of any of the Upanishads to realize that he was not only translating words into Persian but also ideas into the framework of Sufism. However, as usual Nasr follows up with a statement denying that this is an attempt to syncretize, once again revealing a blatant disregard for the evidence presented, not to mention a complete lack of logical thought. The members of one popular order (the Mawlawiyya) begun by Jalal ad-Din Rumi (d. 1273) are the origin of the Western term whirling dervishes John Alden Williams, ed., Islam (New York: George Brazillier, 1962), 155-156.. Idries Shah, Reflections Fables in the Sufi Tradition (Baltimore: Penguin Books, 1972), 1.; Miller, 20..

Differences Between Business Strategies and Functional Tactics Essay ex

Differences Between Business Strategies and Functional Tactics 1. FUNCTIONAL TACTICS Functional tactics are the key, routine activities that must be undertaken in each functional area that is human resource management, marketing, finance, production/operations and research and development to provide the business ‘s products and services. Hence functional tactics translate thought (grand strategy) into action designed to accomplish specific short- term objectives. Every value chain activity in a company executes functional tactics that support the business’s strategy and help accomplish strategic objectives. 1.1 Differences Between Business Strategies and Functional Tactics - Functional tactics are different from business or corporate strategies in three fundamental ways: i. Time horizon. ii. Specificity. iii. Participants who develop them. Time Horizon - Functional tactics identify activities to be undertaken â€Å"now† or in the immediate future. Business strategies focus on the firm’s posture three to five years out. - The shorter time horizon of functional tactics is critical to the successful implementation of a business strategy for two reasons. i. First, it focuses the attention of functional managers on what needs to be done now to make the business strategy work. ii. Secondly, it allows functional managers to adjust to changing current conditions. Specificity Functional tactics are more specific than business strategies. Business strategies provide general direction. Functional tactics identify the specific activities that are to be undertaken in each functional area and thus allow operating managers to work out how their unit is expected to pursue short-term objectives. Specificity in functional tactics contributes to successful implementation by: - Helping ensure that functional managers know what needs to be done and can focus on accomplishing results. - Clarifying for top management how functional managers intend to accomplish the business strategy, which increases top management’s confidence in and sense of control over the business strategy. - Facilitating coordination among operating units within the firm by clarifying areas of interdependence and potential conflict. Participants Different people participate in strat... ... Beecham Kenya 2000 - 3. Flat organizations – Microsoft and dotcom companies - - 4. Increased responsiveness to customers NB. BPR requires maintenance of Key Performance Indicators on Quality, Lead time, Cost and Service. CONSEQUENCES - As BPR efforts progress, one of the first phenomena is excess capacity. As processes are re-engineered, even more capacity is discovered. The most frequent response is downsizing. - BPR suggests that old practices must be â€Å"obliterated† and new processes designed from scratch to fully leverage new technologies and business realities. In practice, few managers have the luxury of re-designing their processes or organizations from â€Å"clean sheet of paper† - people, equipment and business knowledge cannot be so easily scrapped. Furthermore, organizational change almost inevitability becomes a learning process in which unanticipated obstacles and opportunities emerge. Reference: - Pearce & Robinson – Strategic Management - Readings on bus 6020 - Henry J. Johansson – Business Processing Engineering

Career Development in Insurance Sector Essay

Potential for career development in insurance sector is most vibrant topic today. One Million plus persons are working today as an employees in Insurance sector and 5 Million plus persons are associated with this sector as Agents, Consultants, Surveyors, Loss Assessors, Underwriters, Claim Settlers, Salvage Dealers, Brokers, Sub-brokers, etc etc. The growth rate in Insurance Sector is more than 20% in last 3 years. There is huge potential for development in Insurance sector. The sector is under developed and penetration of insurance is very very low in the country compared to other developing and developed countries. India is leading towards one of the strongest economy of the world by 2020 and it is international phenomenon that insurance sector always booms along with growing economy. Insurance Services are the foundation for smooth functioning of all business & commercial activities. Insurance is the backbone of overall economy of the country. For the developing country like India where growth of the economy is at double digit rate, Insurance talent is inevitable. All Industries in this scenario can be monetarily well protected from all types of catastrophic and manmade risks. Insurance is a vehicle for growth in growing economies. The whole world is looking at India as one of the giant and Asian tiger in next 8 to 10 years. All this is true. But very interesting fact of the today is that no one is aware about the exact potential of career development and opportunities in Insurance Sector. This article is dedicated to find the facts and figures about career development opportunities in Insurance Sector in India. This is an effort to enlighten and guide the readers, employees, students, stake holders to understand the facts and facets of insurance sector and how one can develop long term career in Insurance Sector. The article will review all aspects of insurance sector and discuss †¢ Opportunities for Career Development †¢ Growth potential in Insurance Sector †¢ Changing Scenario of Insurance Sector †¢ Manpower & Skill Sets Required by Insurance Sector †¢ Regulatory Changes in Insurance Sector †¢ New trends and Developments †¢ International Impacts †¢ Present Academic Scenario †¢ Available Educational Facilities †¢ Recent Educational & Academic Developments †¢ Speed and growth cycles of career enhancement in Insurance Sector †¢ Salary Packages at Entry Levels, Middle Level and Top Level †¢ How to improve Employibility and Skill Sets †¢ Career Opportunities Outside India †¢ Subsectors in Insurance for Career Development †¢ Preparing Career Development Path in Insurance Sector †¢ Challenges & Opportunities for Career Development in Insurance Sector, †¢ FAQs i.e. Frequently Asked Questions @ Career Opportunities in Insurance Sector, etc After 25 years of experience in Insurance Sector and witnessing the changing scenario of insurance sector after IRDA, I have noticed that the present and future workforce in Insurance sector is totally puzzled about the career enhancement and confused to find a road map for growth. Thousands of Career Fairs & Exhibitions across the country are covering all sectors for career opportunities like IT, BPO, ITES, Engineering, Automobile, Management, Finance, Medical, Health Care, Accounts, Law, Company affairs, etc, nobody is talking about insurance sector for career development. People believe that insurance is a small part of finance sector and it need not be cared beyond mere selling of insurance prod ucts. Unfortunately I have to state that working employees, students, parents, media, academicians, colleges, universities, top executives of insurance sector and society as a whole are not aware about the exact potential and scope of career enhancement in Insurance Sector. Working in insurance sector is always a secondary thought and society hesitate to honour career in insurance sector. Association in insurance activity is always presumed as below status career. This prejudice attitude towards insurance sector is a great harm for new entrants and career growth of current workforce. This is ironical that due to this negative attitude, the new generation is neglecting and under estimating a golden opportunity of developing gorgeous career in insurance sector. It is more unfortunate that after more than 100 years of commencement of insurance business activity in our country, the academicians, regulators and top executives in Insurance Sector have ignored the need and importance of improving the brand image of insurance sector. Growth Potential in Insurance Sector in India * Insurance is one of the fastest growing sector in India. Hardly 6 % of the population of the country has covered by life Insurance. The penetration is as low as 0.9 % in general insurance. Health Insurance has reached to merely 3 % of the population. In country like USA, where the population is @ 35 Crores, there are more than 6000 companies are engaged in insurance business. In India, population is more than 110 crores and hardly 52 companies are working in Insurance Sector. If we assume that only 50% population is insurable, still we need 10,000 companies to cater the need of 55 Crore people. Only Life Insurance sector has grown to certain extent and people say that I wish to purchase LIC policy for my car or LIC policy for stocks in my factory. Only compulsory policies of general insurance sector have been sold like motor policies and fire and industrial policies. Large number of general insurance products are not even known to the employees of general insurance companies. Thanks to electro mechanical equipments, scientific development and commercialization of medical profession, health insurance penetration has reached to 3 % of population. Still this number is very poor comparing to developed countries. Central Government has targeted Life Insurance Penetration to 40 %, Health Insurance at 30 % and General Insurance at 15 % of the population by 2030. This will create very huge potential for development in insurance Sector. The insurance business was merely 12 Billion US $ by 2000 which has reached to approximately 100 Billion US $ by 2012 and is now expected to grow 1000 Billion US $ by 2020 and 5000 Billion US $ by 2030. * Approval of Bill of 49% FDI in Insurance sector is long awaited. Once it is enacted, the number of insurance companies may rise to @ 150 to 200 in next 7-8 years. There is immense potential for insurance industry to grow. At present there are 24 Life, 27 Non Life and 1 Reinsurance, thus total 52 Insurance companies are in insurance business. Out of this, 4 companies are working exclusively as Health Insurance Companies. 334 insurance broking companies, 800+ corporate agents and thousands of banks have entered in insurance business. Third Party Administer (TPAs) Companies in Health Sector are 29 and TPAs growing in Automobile and Legal Sector. The specialized functions in insurance sector are slowly outsourced and lot many new companies will enter in this area. International insurance surveyors, loss assessors, adjuster, underwriters, claim settlers, have already entered in India and expanding their business activities. Even the world insurance and finance giants like Warren Buffet, Lloyds, Munich Re, Swiss Re, have entered in India. * Health insurance is developing as separate branch of Insurance. It is expected that the number of health insurance companies will be equal to the number of life insurance companies in near future. Bancassurance is also developing as Separate branch of Insurance. People is India have more faith in banks than insurance agents. Many banks have already entered into insurance business and lot more in pipeline. Banks find insurance as growth vehicle. At present only GIC of India is the reinsurance company in the country. But government is now thinking over allowing many more international reinsurance companies in India. In few years, we may find 5 independent branches of insurance in India as Life, General, Health, Bancassurance & Reinsurance. * India is becoming Insurance Hub of the world. Giant insurance companies from across the globe are outsourcing core insurance functions to India. IT infrastructure in the country and new generation Indian Talent are attracting world insurance business for core functions for cost effective solutions. Indian software companies are leading in this race. Even BPO in Insurance Sector is growing very fast. All this require technical and domain skills sets of Insurance functions. This IT, ITES and BPO business in Insurance Sector from outside India is expected to rise to 1000 Billion US $ by 2025 It is believed that next boom is in insurance sector. Insurance will play key role in boosting economy further. In India, next 25 years will be dominated by Insurance Sector. The growth is expected at horizontal as well as vertical levels. It will be from inside the country and from outside the country. Changing Scenario in Insurance Business in India * Insurance was strictly dominated by Agents and Development officers till 2000. But IRDA has opened up new distribution channels such as Corporate Agent, Insurance Broker, Bancassurance, Mallasurance, Online Sale of Insurance, Direct Sale, etc. These new channels are growth engines of the insurance industry. One interesting aspect of this growth is that Insurance Sector is heading towards SERVICING from merely Selling. The mantra of â€Å"Sell it and Forget it† is now converting as â€Å"Service & Retain Client†. This requires Core insurance knowledge and not merely Selling Expertise. * The commission rates of insurance agents are slowly getting downward trend. The servicing of client is now taken care by customer servicing department. The Technology has now key role in policyholders servicing and provides better knowledge and expertise than agents. Companies are now offering new gate ways for renewal commissions like through internet banking, ATMs, ECS, Mobile banking, etc. It has reduced the dependency of policyholders on agents for timely renewal of existing policies. * Government is slowly removing the Income Tax rebates from insurance policies. It has already signaled the same and introduced few provisions in current budget by restricting the percentage of amount of premium with the sum assured of any policy. * Product Development and new innovative policies has changed the olden rules of the selling game. Merely begging for insurance or forcing a policy will not exist anymore. The 35 % commissioned policy selling dominance will be eroded. . * Insurance is Risk Cover or Investment is a matter of debate but common policyholder is now diverting to PURE Insurance products such as Term Insurance. The ULIP Story between IRDA and SEBI has focused on a need of domain insurance talent. * There is certainly reasonable improvement in policyholder’s awareness and knowledge about insurance. Government, IRDA and NGOs like FIBLI, insurance companies and related stake holders are concentrating on customer education, literacy and awareness about insurance products and services through advertisements, seminars, workshops, comics, e-literature, animated films, etc. * As Insurance need is vertical as well as horizontal, the insurance business is spreading across the country. Insurance companies are focusing and spreading network in rural markets as it has huge potential. Technological development is helping this drive of rural expansion. * Health Insurance and Bancassurance sectors will grow drastically. General Insurance Sector will also develop. In life Insurance Sector, Term Insurance Business will dominate. * In future, Online Insurance will have a key role in new business. * It will be difficult to get insurance claims in future. There will be huge scope for Claim consultants who will help people to get insurance claims. * Insurance sector will slowly dominate the economy and there will be overall developments in insurance sector. There will huge revenue generation form insurance business in India as well as outsourced insurance business from outside India. Employability Potential in Insurance Sector As insurance sector is growing with 20% rate, there will be a huge requirement of Insurance professionals in the country. * NSDC Report – National Skill Development Corporation has estimated the job creations of 2 Million persons in insurance and banking sector by 2021 in its latest report. * CII Report – The recent survey of Confederation of Indian Industries estimated that there is a need of @ 21 lakhs insurance educated employees by 2025. * ASSOCHEM Report on Insurance Sector – It has pointed out on employability potential in Insurance Sector in its latest report. The report has estimated manpower requirement to be 30 Lakhs by 2030. The job creation in insurance sector will be across the country as insurance business is spreading across the country. The innovative distribution channels will play a vital role in insurance penetration and of course, technology will be a great supportive tool for this development. The manpower is required across the country. Insurance companies, banks and financial services providers are focusing and spreading network in rural markets as it has huge potential. It will generate huge employability not only at Metro and urban areas but at semi urban and rural levels, too. At present there are 52 companies, 334 brokers, 1200 + banks, 29 TPAs, 2000 IT, ITES & BPO companies, 400 surveyor and other insurance services provider companies are working in India. The number will rise to double or triple in next 8 to 10 years. These companies will have offices across the country and will generate jobs across the country. Career Development Path in Insurance Sector Till IRDA, insurance career was dominated by selling activity. It is the assumed misconception that any career in insurance sector will have to be connected with selling of insurance products. The Insurance Agents and Development Officers community in the country has coloured insurance policy selling with either begging of insurance or forcing for insurance. The rebating in insurance premium has eroded insurance profession as under privileged one. After IRDA and entry of corporate insurance companies, the face of insurance career was always compared with the face of poor insurance agent. Career in Insurance was always neglected one and approach towards it was one of the ridiculous one. But the situation is now changing drastically. Career in Insurance is not merely a selling activity. Insurance Sector require domain technical knowledge. The employees with core insurance competency can only grow henceforth. After a decade of privatization, corporate companies have understood that insurance is not a FMCG product and one must possess technical skills and fundamental knowledge to exist & grow in this market. Servicing will be key for growth and for this, one require domain expertise. For new entrants, any graduation with specialized diploma in insurance domain like underwriting, claims, motor insurance, health insurance, bancassurance, reinsurance, liability insurance, aviation insurance, engineering insurance, agricultural insurance, marine insurance, etc will be helpful to enter in insurance sector. One has to improve his academic qualification and scope of skills by adding various diplomas from various streams of insurance. As one grows with experience, this academic excellence and expansion will improve his employibilty and scope of promotions and growth. For existing employees, one has to improve his academic position along with experience. Mere experience will not help beyond certain limit. As we expect 49 % FDI and steep increase in number of insurance companies, the existing employees will have clear advantage to grow. But for this, they must obtain domains skills and competency through academic enhancement. The present employee in insurance sector should focus on overall and multi dimensional development in his capacities, skill sets and academic qualifications. The candidate with multifaceted core skills will have better opportunities over general candidate. He should not limit himself only to underwriting or claims. He should always seek for more and more knowledge. One can select a sector of insurance like Life or general or health for developing his career path but he should be equipped with qualifications and skills of other sectors also. It will widen the scope of opportunities available to him. Salary Packages In Insurance Sector As per the present scenario in Insurance Sector, one may join insurance company at entry level with a annual package of @ Rs.1.2 lakh to 1.5 Lakh. He may be designated as Associate or Assistant. In 3-4 years, he may grow to higher position with a scale of Rs. 3 to 4 Lakhs if he has academic qualifications with experience. After 6-8 years after joining insurance, one may easily grow to annual package of 7 to 10 Lakhs. After 12 to 15 years, one may dream to annual package of Rs.15 to 20 Lakhs. Of course, this needs academic up gradation and continuous improvement of domain skills. This trend may continue for next 20 years as there is long term and inside outside country potential. The speed of career growth and expansion is smooth and fast in insurance sector than perhaps any other sector in the country. But it needs hard work, academic excellence and aggressive approach towards opportunities. I will share one practical example here. The employees who joined insurance sector in the newly entrant companies like Bajaj Allianz, HDFC, ICICI etc between 2001 to 2003 were drawing annual salary package of 1.5 to 2.5 lakhs. They are now grown to key positions in new companies after 8 to 10 years with annual packages of Rs.20 to 25 Lakhs. Some of them have even clinched packages of 40 to 50 Lakhs per annum. Skill Sets Requirements by Insurance Sector At present, man power requirements are basically skilled based. Employees with academic qualifications are encouraged for promotions. Fresher with academic qualification in insurance are preferred. At present, Insurance Companies recruit freshers and train them for 6 months or one year. But the attrition rate is so high that more than 42 % of new recruits leaves the company. Insurance companies are seriously concerned over the expenditure on training and the rate of turnout. They are looking for employees who have been already trained and having domain academic qualifications. Insurance Companies have found that domain knowledge will improve selling, servicing, operations and all other functions. New companies prefer persons with experience and academic qualifications. Skill sets required by the insurance sector are underwriting skills, claim handling skills, operational skills, servicing skills, risk assessment and classification skills, insurance product skills, distribution channel operating skills, coordination skills, IT skills with domain knowledge, insurance accountancy skills, etc.

Global Warming: Causes, Effects, and Solutions Essay

Global Warming is the rise in the average temperature of Earth’s atmosphere and oceans since the late 19th century and its projected continuation. Many people do not see this as a problem. However, it is currently a huge issue that is often talked about among scientists and many other people. Global Warming is caused by many different things. Greenhouse gases, deforestation, and solar activity are three different proven facts that cause global warming. Global warming is not something that is going to disappear; it is only going to get worse if people do not start doing something about it. The main cause of global warming is the burning of greenhouse gases. Some of the main gases are: carbon dioxide, methane, nitrous oxide, and the loss of forests. Most of the harmful gasses are emitted by humans through the combustion of fossil fuels in cars, factories, and electricity production. But why and how do these specific gases cause global warming, it is because all of these gases have very different heat-trapping abilities. A molecule of methane produces more than 20 times the warming of a molecule of CO2. Nitrous oxide is 300 times more powerful than CO2. Other gases, such as chlorofluorocarbons (which have been banned in much of the world because they also degrade the ozone layer), have heat-trapping potential thousands of times greater than CO2. But because their concentrations are much lower than CO2, none of these gases adds as much warmth to the atmosphere as CO2 does. Trees provide an important ecosystem function by storing carbon, a cause of climate change, in their biomass. Currently the world’s forests store 283 billion tons of carbon in their biomass. Half the world’s tropical forests have been cleared or degraded. Every hour, at least 4,500 acres of forest fall to chain saws, machetes, flames, or bulldozers. In 2012 three million hectares of mature forests were cut down. This is a causing effect to global warming and continues to rise every year. Something called solar activity is also reasoning behind global warming. Solar activity is simply the amount of heat that comes off of the sun. Scientists can tell that solar activity contributes to global warming because there have been recent changes in temperatures at different levels in the Earth’s atmosphere. There are models showing how the greenhouse effect is warming the lower part of the atmosphere (known as the troposphere) but cooling the upper atmosphere (known as the stratosphere). However, if the sun was responsible for the observed warming, warming of both the troposphere and stratosphere would be expected. Global warming also has countless numbers of effects in the environment. It has been proven that the increase in Earth’s average temperatures have already been causing tons of ice to melt worldwide, also causing sea levels to increase over time. It is also causing precipitation to increase worldwide on average. It is predicted that if we do not stop global warming other effects could happen later this century; such as; Hurricanes and other storms becoming stronger, floods and droughts will become more common, and ecosystems will change to the point of some becoming extinct. All of this stuff may not sound that bad, but you have to think that over centuries and centuries it is only going to keep getting worse. There are things we can do to help this, to solve this. If the human race were refrain from using greenhouse gases, or even stop using them all together, it would help immensely. Depending on our choices scientists say it can only increase by 2. 5 degrees, or increase by 10. There are also other options to reduce the gases we emit into the atmosphere. We could try to decrease them by increasing the amount of gases we take out of the atmosphere. This can be achieved by planting more trees, increasing forestlands, and changing the way we farm. All of these things would help to increase the amount of carbon dioxide we are storing. Global warming is something that is still around today and will continue to be around if we do not decide to do something about it. There are many causes of it, some to which are still unknown to scientists. For every cause there is an effect, and this unfortunately is not a good thing for Earth. However there are solutions to reverse the effect of global warming. Even though some of these ideas have fallbacks, there are a variety of options that put us on a path toward a more stable climate. Work Cited: 1. http://environment. nationalgeographic. com/environment/global-warming/gw-solutions 2. http://www. facingthefuture. org 3. http://en. wikipedia. org/wiki/Global_warming#Solar_activity Video: 1. http://www. youtube. com/watch? v=ROZJmX73FF4

Best Article Directory For Submit Your Article For Free. Essay Example

Best Article Directory For Submit Your Article For Free. Essay Example Best Article Directory For Submit Your Article For Free. Essay Best Article Directory For Submit Your Article For Free. Essay The foremost article directory on the internet, bar-room no one that I’m currently aware of, is yashveer.com. Currently, it is the immense fish in the pond. But, I know there are a vast various other exceedingly well-mannered article directories not at home there, and I don’t after to lessen those. I’ve seen people on the internet giving superficially sound opinion of picking harmonious article directory and submitting all your articles to it. If you’re followed this disciples of kindness, then I can grasp why you’re looking for the unexcelled article directory. But, that is a slightly iffy nearer, and I’ll publish you why. It’s like putting all your eggs in solitary basket. Yashveer.com is a terrific directory, yes, metrical the best article directory currently obsolete there, but what would happen if something catastrophic happened and all your articles went poof? Relying on no more than a single see trade horse’s mouth is ALWAYS, and I replicate, AS A LAST RESORT a unhealthy idea. So, aside from relying on only a person article directory, why else should you submit to multiple directories? Well, story fit is to get more backlinks. Every article you submit gets you another backlink to your site, giving you another penny of Google favor. But this isn’t yon SEO, it’s here conclusion the excellent article directory not at home there. And to wrap this up, I’ll clout that yes, article directory yashveer.com is the excellent, but don’t use it exclusively. On a bunch of other ones that you upon and employ them concurrently. That is your get the better of article submissiveness strategy. Why yashveer.com Is The Kindest Article Directory? You won’t remark all these benefits with other directories. Unbefitting you intent get back some of the benefits that congeal Free of charge submit article directory to one side as sui generis when compared to all other directories. There are other benefits but members are sworn to furtiveness (we don’t lack harry copying all secrets that make this the nicest Article Directory Online). Benefits Of The Best Article Directory Free Submit Article Directory: Inception Mode Technology: Design a bring to an end article sales paginate, catalogue well-known articles, create PDF articles. You are clever to idiosyncrasy images, links, video, flash, stuffed html abilities, advertising and more! Far-reaching Identities: If you like to finance your contrasting niches disassemble, this at large submit article directory gives you the know-how to conceive numberless draft names. Each one has a unequalled profile page, and myriad initiator resource boxes. Every net profit servant allows the chance to together to the websites of your choice. No External Advertising: You won’t hanging back-end profit from your above being leeched by a barrage of adverts. Another utility of not having countless links away from article side is that the Page Prestige that you built sooner than bookmarking your article and driving above to it purpose reinforcement with your page. The edge of that is a higher position in the Search Machine results. Ride Leverage Technology: Just like not all Article Directories are created fitted, the Article Spinner that comes with Article Promotions is far to superior to other Article Spinners. The yashveer.com spinner is not a â€Å"unearth and substitute† spinner, nor is it a computer controlled spinner that exchanges words with synonyms etc. It is fully human controlled giving a best article every relate no editing required. And it gives a unexcelled superiority score that is unmatched. Auto Syndication Technology: If you really want to pinnacle fringe benefits from your articles, you have need of to promote them to other syndication sites. This is made one click compliant during the built-in auto syndicator that comes with yashveer.com. Scads of the over 150 sites syndicated to are only ready using the provided tool, so your articles will not be promoted to a throw-away instal that has no value. Milquetoast Feed Technology: yashveer.com also allows you to submit your spun articles to your WordPress blog using trickle silage technology. This means that you can embark the articles to be posted at predefined intervals on to your blog. This can either be in plain printed matter, or in html version. Allowing you a hands fixed automated practice of building your blogs. Resources: yashveer.com provides you with video training, live out webinar training, an on the go members forum, and other resources exclusive available to members. No other article directory comes airless to sacrifice the power and back-up second that comes with yashveer.com.

Jay Greenberg Essay Example | Topics and Well Written Essays - 250 words

Jay Greenberg - Essay Example The musical prodigy was discovered in 2004 during a CBS 60 minute news segment and from there he grew into a professional and sought after composer. His first CD was released in 2006 by Sony Classical which featured the Symphony #5 and Quintet for Strings performed by the London Symphony Orchestra as well as the Juilliard String Quartet with Darrett Adkins respectively (â€Å"Jay Greenberg†). Some of Jay’s most famous works have been the Violin Concerto produced in 2007, the Four Scenes in 2008 with a double string quartet, and Concerto for Piano Trio and Orchestra. His beautiful works have been publicly performed both nationally and internationally by such renowned orchestras as the Pittsburgh Symphony, the New Haven Symphony Orchestra, the Minnesota Orchestra and the Orchestra of St. Luke's (â€Å"Jay Greenberg†). In 2009 Jay’s work was even commissioned and premiered at Carnegie Hall for the youth orchestras, Skyline Dances (â€Å"Jay Greenberg†) . Jay produces most of his brilliant work on a computer using notation programs and feels that he hears the music taking shape inside his head. There is no doubt that this young and gifted composer will go a long way. Works Cited â€Å"Jay Greenberg.† schirmer.com. G. Schirmer Inc., Mach, 2011. Web. 26 Apr. 2011

Compulsory Education Essay Example | Topics and Well Written Essays - 500 words

Compulsory Education - Essay Example e year 2010, the act of increasing the age for compulsory education by the 6 US states including Indiana, Nevada, South Dakota, Illinois, Nebraska and New Hampshire in the 6 years from 2002 to 2008 resulted in a manifold increase in the graduation rates of students in 2 of the 6 states, namely South Dakota and Illinois, while only 1 state i.e. Nevada experienced a slight decline in the graduation rates (NCSL). The rest of the three states generally sustained the same graduation rates as they were before the year 2002. Leadership comes with power. Power comes with resources. Resources come with technology, technology comes with research and research makes use of existing knowledge. Compulsory education has spread this knowledge, and has thus, made America able to lead the world. Besides, the concept of home schooling is not very common in other countries of the world, but since the government obliges all parents to get their children educated in all cases, people in US not willing to send their children out of the home for any kind of reason have found the solution of their problem in home schooling. â€Å"A homeschooling movement is sweeping the nation – with 1.5 million children now learning at home, an increase of 75 percent since 1999† (Schilling). 1. The compulsory education has not only boosted the literacy rate in many states of US i.e. about 97 per cent in 2005 (Data360), but it has also resulted into an increase in the quality of all types of schools. 1. Although a lot of research has recently gone into exploring ways to make home schooling come at par with the other types of schoolings, yet the difference is too much to completely eliminate, and hence, all children under the compulsory education have not been able to receive the same quality of education. 2. On the other hand, some parents don’t like the idea of sending their children to public or private schools because of their fear of physical and verbal abuse, violence, and racism that is quite