Review Of Literature Homeless Shelters - 1792 Words

Review of Literature Homeless Shelters Beginning in the 1980s, the predominant response to the growing homeless crisis across the United States by local governments has centered on shelter-based interventions (Greenhaigh 2006). In response to the increasing financial burden that the homeless population placed on cities and rural areas, the federal government enacted the McKinney-Vento Homeless Assistance Act in 1987, the first major federal law that provides money specifically designated to assist homeless individuals in finding shelter (Burt et al. 2007, U.S. Public Law 100-77 [1987]). Shelters are the point of entry into the homeless system, and provide immediate, short-term living accommodations through congregate living facilities. Hurtubise et al. (2009) defines shelters by the number of beds, which can range from a few to several hundred, or by the nature of the services offered. Shelters are usually located in urban areas and offer the homeless a place to eat and stay the night, but then expect them to stay elsewhere during the day (Robinson 2012). The rationalization for this type of shelter system is that homeless individuals are expected to look for jobs and housing during the day (Mendell 2007). Throughout time, the role of shelters has changed substantially from being a temporary intervention (Hurtubise et al. 2009) to becoming a permanent intervention to reduce homelessness. Critics of shelters as a long-term intervention to reduce homelessness argue that thatShow MoreRelatedHomelessness : A Review Of Literature Essay1212 Words   |  5 PagesHomelessness: A Review of Literature A vast amount of studies have been conducted on homelessness in Canada and what the looks like in our society. How can we change this to become a mare successful ideas of help?The main topic that is going to try to be addressed is Homelessness and how help may be provided to those who are in need. The first thing that needs to be addressed is how displayed in the following articles and are they beneficial to our society. The ideas that the following articleRead MoreVoices From The Street : Exploring The Realities Of Family Homelessness714 Words   |  3 Pages1177/1074840714548943 The purpose of this study were to conduct focus groups with homeless mothers and their case workers in Detroit, Michigan, to explore the pathways into homelessness, to understand the day to day experiences of living in shelters, the process of rehousing, identify real and perceived barriers of homeless families attempting to reestablish stable housing, and to understand the impact of the homeless families’ complete health and welfare. The design and sample of the study were aRead MoreSouthside Community Center Literature Review1502 Words   |  7 Pages Southside Community Center Literature Review Samantha Tratchel Texas State University â€Æ' Southside Community Center Literature Review According the U.S. Department of Housing and Urban Development (HUD), 549,928 people were experiencing homelessness on a single night in January 2016 (Henry, Watt, Rosenthal Shivji, 2016). Families account for 37% of the homeless population (Holtrop, Mneil McWey, 2015). Although the exact number of the homeless population in Hays County is currently unknownRead MoreHomelessness : A Costly Burden Of Unethical Behavior Essay1409 Words   |  6 Pagesindividuals that are without homes. The homeless can adapt to an atmosphere that most of our structured society would find undesirable as they are usually without sanitation, material possessions of monetary value and vastly unemployed; however, the homeless can find themselves more comfortable, happier and fulfilled as a unit rather than an individual. After review of the presented literature there is far more misunderstanding and ignorance on the approach of the homeless populace. While most think homelessnessRead MoreThe United Kingd om And The Implication For Women849 Words   |  4 Pagesthe implication for women. Literature review Many historian and social scientist agree that the multi-dimensional and complex nature of homelessness has resulted in the relative difficulty in establishing a clear definition of homelessness. Accordingly, homelessness began to escape concise definition, due to the complexity and increasing diversification (Chamberlain and Johnson: 2001). However, globally the definition of homelessness states that the person is homeless if the individual lack an fixRead MoreWhat Ways Does Immigration Status Impact Homeless And Why?1631 Words   |  7 Pagesof people who are homless will stay homeless for more than a year. This means that a large majority of vulnerable individuals such individuals living in poverty will stay living in a shelter or on the steets for more than a year until they are able to get back on their feet.Having a home is something many of us take for granted and until we face the the reality of seeing more individuals living under briges and on the corner of our communiti es. Becoming homeless can happen to anyone. Immigrants areRead MoreEssay on The Homeless in Our Community3185 Words   |  13 PagesTable of Contents Literature Review — 3 Methodology — 5 Findings — 6 Summary — 8 Works Cited/Works Used — 9 Appendix: Survey Form — 11 LITERATURE REVIEW In this information behavior study, our group examines the everyday information resources, needs, and behaviors of the homeless. Literature research has led us to many key resources. Important literature on our topic includes Everyday Information Needs and Information Sources of Homeless Parents, The Homeless and Information NeedsRead MoreIntroduction . When Researchers Asked A Group Of Homeless1731 Words   |  7 Pages Introduction When researchers asked a group of homeless youth why they left home, their responses were rather heartbreaking. Among some of their answers included were, â€Å"she kicked me out because I was too much of a problem for her†, â€Å"my parents are abusive and drug addicts†, and â€Å"because my mom never had a house and did drugs† (Bernstein, Fosters 2008). Unfortunately the number of homeless youths seems to be steadily rising. The U.S Department of Housing and Urban Development database foundRead MoreMy Job As A Graduate Assistant1599 Words   |  7 Pagessocial work. One agency that we work closely with is UpSpring (www.upspring.org), which primarily serves the educational needs of children experiencing homelessness in several different manners. Before working with this organization, the topic of homeless children was relatively foreign to me, and I was quite surprised to learn that the average person experiencing homelessness in the United States is 9-years ol d (UpSpring, 2015). Like many people, children are not usually the first thing that comesRead MoreBest Practices Of Service Delivery For Homeless Woman?981 Words   |  4 Pagesutilization of indication of evidenced-based research like journals or professional publications that identify best practices of service delivery for homeless woman from the previous assignment called System Map Part I. Through the assignment, there will be use of various models of evaluation, evaluating the effectiveness of the services provided for the homeless woman population. Furthermore, this assignment will be a proposal on how services may be improved, changed, and better delivered. There will be

The School Dress Code Is One Of The Most Enforced School...

The school dress code is one of the most enforced school policies of all time for students of any age and gender. Of course, everyone has an opinion about what clothing is up to par in society; however, according to the school system, middle school and high school girls are all, how the students put it, whorish. Because of this label, there are very specific rules, right down to the T, about what students can and cannot wear while on school grounds. 1. Skirts, dresses, and shorts cannot be more than 2  ¼ inches above the knee. 2. Shorts shall have four-inch inseam and shall not be tight to the body. So they are trying to tell me and the rest of the student body that we can only wear long shorts? Is it just me, or does that bunch of bull†¦show more content†¦Is Steve Urkel going to be punished for wearing his pants and socks too high? Come on, we’ll wear what we want; the government isn’t our mother. This one is a knee slapper: 4. All tops should cover the shoulders as well as cover the entire body. I guess it’s a good thing that they don’t allow us to show our shoulders. Showing our shoulders is very suggestive, didn’t you know? I mean seriously, we teenagers get so aroused by shoulders. I wonder what would happen if we all walked around with our shoulders showing all day. The possibilities are endless, and the administration just wouldn’t know what to do. And since when does a shirt cover your entire body? There is no such thing as a shirt that covers a person head-to-toe that teenagers would wear on a daily basis, unless they require that we all conform to wearing the traditional Muslim burka. Our public schools, run by a government that believes in the separation of Church and State, expect us to go as low as violating our religion and wear a burka to school every damn day. I guess you have to dress to impress. If only I had realized that sooner†¦ I’m ashamed. To further this absurdity†¦ 5. No head coverings are allowed unless your religion calls for them. A burka would cover my head, but I’m not a Muslim. I refuse to step out of the comfort of my own religion to wear a burka. Thank you anyways. But how can I wear a shirt that covers my entire body without it

The Corner free essay sample

The issues at stake here are that the main characters involved in this are somewhat f a family and I refer to the as such because they coexist in a way that people nuclear setting do not. Dangers parents do not live together and he bounces back and forth between one home and the other because he cannot trust either of them not steal his stash or his money that he earns from selling drugs. Both of his parents are hard-core drug addicts which is another commonplace thing there that is accepted among the members of The Corner.In urban America we have drug use, alcoholism and many other deviant things but people are not accepting of them or pretend not to be. In the winter of this story sometimes the snow will cover up the trash and make it almost look beautiful in esoteric way. This could be almost a simile for the way a lot of the people in this story end-up drug addicts slaves to their needs and cover it up at first. We will write a custom essay sample on The Corner or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page But the track marks make it impossible after a while. The premature aging that is caused by continuous drug use and hard living is very hard to hide even with the best cosmetics.This can also be true of how bad parenting is also hard to hide when your children are left to raise themselves with no morals, no love and nothing else hat other children would expect. This would include a childhood. Children in these situations lack the inhibitions that an adult might have about shooting someone or beating someone to death. Also, children who see their parents dealing or using drugs are going to see that as an acceptable way of life. Parents, for instance cannot say, dont sell drugs. Dont take drugs. They are bad for you. When these same role models are selling and using and stealing to get them. Fran is particularly conflicted. She has two sons and is bound by a moral code of mom sort to make sure that her kids are provided for. She also, for instance wants Dander to get into trouble for his drug distribution and other illegal activities because in some way she thinks that it will take someone else to save him. Unfortunately, she expects someone else to do the job she is incapable of. Since he doesnt ever listen to her and his father figure is useless or ineffectual as a parent. Dander is not past saving at the age of fifteen in our world.

Proposal MacArthur Foundation

MacArthur Foundation Awards Prizes is a program that was founded by Catherine T. and John D. The title of the award is a MacArthur’s Fellowship Program which is also and more known as Genius Grant (John et al, 2008).Advertising We will write a custom proposal sample on Proposal: MacArthur Foundation specifically for you for only $16.05 $11/page Learn More Such a title was given because the nominees for these awards are considered genius. These awards require a short-listing of nearly forty candidates who are awarded prizes from the United States of America. However, a potential candidate must possess certain qualities of artistic production in order to feature in the list of nominees for the awards. Moreover, the piece of art one represents should be original and attract attention. The winners of the awards are those whose age ranges from eighteen years to eighty two years (John et al, 2008). Analytically, an individual nominee needs to possess gr eat developmental capabilities, original creativity of ideas, educational values, objective behavior, and skills for promotion of social relationships apart from being a genius in order to qualify for the awards. The nominees for awards are not allowed to apply for the awards themselves. This means that the nomination body gives recommendations to a committee of a few people who are in charge of making decisions regarding the list of nominees. After the committee makes a decision, they pass the list to the Board of Directors as well as the President of the Awards. The nominees carefully look at the decision of the committee after receiving a phone call from the foundation. On the other hand, the criterion used to select the nominees is based on the creativity and originality of their pieces of work. One does not only have to consider the creativity of the piece of work but its originality as well. In other words, creativity is not only about the masterpiece as such, but the informat ion the piece of work delivers to the audience. A potential nominee needs to exhibit characteristics of great social relationship and objective behavior in the piece of artwork presented in order to stand a chance of winning the award because the information displayed is important to the audience who touch or listen to the work. Therefore, the work should be socially acceptable to the society for its creator to be called a genius (Brockes, 2007). This means that it must present social values. For example, the movie â€Å"Think like a man, act like a woman† may not be considered the best movie but the impact it has on both men and women is tremendous. This makes a person who shoots the film a genius because he or she was able to affect the reasoning of a number of people. In summary, social and behavioral impact in any domain of work can be criteria for obtaining the status of the genius.Advertising Looking for proposal on art and design? Let's see if we can help you! Get your first paper with 15% OFF Learn More The educational value of a person can determine his or her level of creativity. The reason why a person is regarded as a genius due to his/her educational level is because education helps to sharpen individual’s wits (Harris, 2007). For example, the filmmakers win awards but information technology experts would be in a better position to create fiction. Therefore, an individual is considered a genius in case a person who lacks information and skills in the sphere of computers manages to create new ideas, in other words, the individual that lacked some necessary background information, nonetheless, invented, created or made something new. On the other hand, a potential candidate for the award can receive awards for the educational value in the domain of work generated; it may me mathematics since it passes knowledge. In summary, a domain of activity can be regarded as criterion for a genius creation depending on the educationa l level or value of the creator of the piece of artwork. A potential nominee needs to exhibit developmental capabilities in the artwork in order to be considered a genius in the award because there are works that lack tangibility but have great effects on the emotions of the audience. For example, a doctor who administers medication from a deadly disease that is known to have no cure can be considered a genius if a patient is healed after the drug administration. It happens so because the doctor invented a cure to the disease which had caused numerous deaths. This means that one should be considered a genius when their piece of work leads to a discovery. In conclusion, the program the MacArthur Foundation Awards Prizes is used to encourage people to be creative. It is also a good way of appreciating the efforts different individuals have put into their artistic works. A winner of the award is called a genius due to the creativity of the work done. This means that an individual nomin ee needs to possess great capabilities, original creativity of ideas, educational values, objective behavior, as well as skills for promotion of social relationships apart from being a genius in order to qualify for the awards.Advertising We will write a custom proposal sample on Proposal: MacArthur Foundation specifically for you for only $16.05 $11/page Learn More References Brockes, E. (2007). It’s art. But is it porn? The Guardian online, 3 (7), 21-25. Harris, D. (2007). The Complete Guide to Writing Effective Award-Winning Grants: Step-By-Step Instructions. New York: Atlantic Publishing Company. John, D., Catherine, T. (2008). 30 Years of the John D. and Catherine T. New York: MacArthur Foundation. This proposal on Proposal: MacArthur Foundation was written and submitted by user Franco Klein 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.

An Argument For Euthanasia Essays - Euthanasia, Medical Ethics

An Argument For Euthanasia An Argument for Euthanasia Euthanasia is defined as, The act or practice of putting to death painlessly a person suffering from an incurable disease. Euthanasia can be traced back as far back as the ancient Greek and Roman civilizations. It was sometimes allowed in these civilizations to help others die. Voluntary euthanasia was approved in these ancient societies. Today, the practice of euthanasia causes great controversy. Both pro-life groups and right-to-die groups present arguments for their different sides. Pro-life groups make arguments and present fears against euthanasia. I contend that the case for the right to die is the stronger argument. I will begin my by listing the arguments against euthanasia and my criticism of each argument. 1. Euthanasia is a violation of medical ethics. The American Medical Association has consistently condemned euthanasia as an unethical practice. Today, attitudes may be changing. Recent surveys indicate that a majority of doctors in some areas, (60% in Oregon, 56% in Michigan, and 54% in Great Britain.) favor euthanasia in extreme cases. 2. Euthanasia weakens the trust relationship between the doctor and the patient. We expect doctors to heal and save lives, not to kill. I feel that I should be able to trust my doctor to do what is best for me as an individual in any situation, including ending unbearable suffering, even if it is my choice to die in order to end my suffering. Doctors may lose the trust of their patients by not helping them to end their suffering. 3. Choosing the time and place of a persons death is Gods decision. This argument suggests that we should never intervene in any life-threatening situation. If a person is having a heart attack, should we just stand by and watch them die? If we were to seek medical attention in order to save his life, we would be interfering with Gods will for that person to die. This argument contains nothing that can be rationally argued against because it does not tell us when it is okay to interfere with Gods decisions. 4. The issue of euthanasia is a slippery slope. Pro-life groups contend that if we allow any type of euthanasia, sooner or later, we would begin killing off not only the terminally ill, but also the handicapped, the poor, the elderly and anyone else who becomes troublesome. The view that we should not make a decision because it could lead to other less prudent decisions later is not a reasonable foundation for setting policies, unless later decisions are definite, and are absolutely wrong. I would hope that the virtue of society would lead us to know where to draw the line between going far enough and going too far. At the present time, it is not clear if where the line is drawn now is where it should be drawn. 5. Euthanasia is killing. Most people believe that there are circumstances when killing is allowed, such as self-defense. The only question is whether or not the killing is justified under the circumstances. In the case of self-defense, killing is justified. The same is true of euthanasia. 6. People who request euthanasia may be requesting it because they are depressed and they may change their minds. I believe that psychological evaluation will detect the mental condition of a patient, and depression, if it exists, can be treated. Patients can be given counseling to determine if their decision is what they truly want. We must determine whether or not patients should be able to be in control of their own lives. 7. Euthanasia violates the difference between passive and active and practices. This argument contends that there is a moral difference between letting nature take its course by terminating treatment when death is inevitable, and actively taking steps to make death come quicker. The question that should be asked of this is What is the best thing to do in a worst case scenario? The answer may be to terminate pointless treatment, or to act in order to bring about a merciful, painless death, that brings to an end terrible, needless suffering. The patient may ask for either one and we may morally grant their request. In either case, death occurs and the patients choice is involved

The Pros And Cons Of Outsourcing Essays - Human Resource Management

The Pros And Cons Of Outsourcing Essays - Human Resource Management The Pros And Cons Of Outsourcing Besides hiring workers through their company, businesses often choose to lease or rent them from outside leasing companies. The term outsourcing is referred to as using leased employees or hiring outside staff. These employees can be noted as temporaries, temps, contract employees, or casual workers. Throughout the past decade, this practice has become a more accepted method for hiring firms to attain the services of outside workers. This fairly new business practice can be benefiting to the business although in some ways it may be inadequate. Employee leasing can give you many benefits that can be obtained by hiring independent workers. The leasing company hires highly trained and experienced workers who are brought in only when needed and then are disposed at the end. This becomes an opportunity for the business to use sufficient workers without the trauma and expense of laying off their own employees. This is by far easier for the employee and the employer due to the intermediary which is the leasing company. This intermediary takes away the unnecessary steps which often occur in business situations. Another contributing factor in having leased employees benefiting the company is the fact that you do not have to pay and withhold federal and state payroll taxes for these people. The leased employee does not require benefits or workers compensation. This cuts out the costs a great deal for the company. In most cases, leased employees have a certain expertise, which eliminates the need to train former employees to do jobs involved with the area in which a skill is needed to learn. In the case where a company has employees with a lack of internet skills, the leased employee can definitely be used in a positive manner.

Micro1 Essay Example | Topics and Well Written Essays - 1000 words - 1

Micro1 - Essay Example However, the freedom of movement can also act as a determining factor of the existence or non-existence of freedom. When one has the freedom of movement, they have the choice to choose where the place they will move to is. They can either choose to move to a good place or move to a bad place. Let’s consider a hypothetical situation where two individuals have made a choice to move. One individual chooses to move to a good place while the other chooses to move to a bad place. Initially, the two individuals are both free, but their choice dictates their freedom. The individual who chooses to move to a good place is essentially free. This is because their choice has made them free. The other individual who chooses to move to a bad place, though initially having the freedom of choice, is not free on the basis of their choice. His choice determines that the freedom in itself does not make the individual free. This is the paradox of freedom. From this paradox, it can be derived that freedom does not necessarily make one individual free; it does not guarantee that one will be automatically free. The freedom of an individual is determined by the manner in which the individual uses the freedom at their disposal. Freedom is highly perishable. Any individual that has a particular freedom or is seeking for freedom has the fundamental obligation of using it wisely. If carelessly used or handled, freedom will automatically degrade due to its highly perishable nature. Another paradoxical feature of freedom is responsibility - responsibility comes with freedom. Any individual, group, or country that has achieved or attained freedom to a certain extent has had to take responsibility for it. A free individual is held accountable for their every decision, mistake or success and have to be answerable over any uncertainties or eventualities in terms of outcomes. Freedom therefore is not a lifeless concept but a concept of life; a living entity proof. Freedom has many forms, l evels, and states. Some of the aspects of freedom are on an individual basis while others are on an integral basis. The most basic but essential freedom is the freedom to think. This is an inner freedom that determines whether or not freedom is truly in existence. This is because the freedom of thought is the foundation of all other freedoms. Any kind of assault or annihilation of this freedom results to a restriction of all other freedoms. According to Hamilton (2011: 33), humans deprive themselves of freedom by pursuing their very desires. Man is so caught up in fulfilling his desires that he unknowingly curbs his freedom of thought. He becomes unable to spawn from his ability to think, and this is perilous because it is a fundamental freedom of man. The freedom to think is similar to the freedom to move. Similar to the freedom to move to either a good or a bad place, the freedom to think enables us as individuals to either have good thoughts or bad thoughts. At such a point, the questions that can be and ought to be asked are what are good thoughts and what are bad thoughts. The answer to this questions can be derived by an individual with regards to their beliefs, moral standards, and principles. In addition, the societal perception of certain issues can also be a basis for gauging whether the thoughts that an individual has are good or bad. However, the most standard way of determining the nature of thoughts that are generated by an individual is by analyzing their environment. From the concept of extension, the brain extends

Islam and Conventional Economic Systems Essay Example | Topics and Well Written Essays - 1000 words

Islam and Conventional Economic Systems - Essay Example Contrary to the conventional system, the Islamic system is based on the belief that God gives the man the power as a trustee for the needy. They allow legal ownership of property on condition of sharing with the society. Sectors of production and trade in this system are under public ownership. Customers under the Islamic system are entitled to public ownership of property. Under the conventional system, economic freedom is a dominant feature. Individuals do not meddle with the state in executing their freedom. The system allows the participation of individuals in the initiation and establishment of businesses, and professions. It allows for salary remunerations and free-will expenditure. Furthermore, it permits unrestricted economic freedom. The freedom, however, encourages exorbitant ways of generating cash such as illegal trafficking and gambling. It also encourages malpractices such as fraud, smuggling, and adulteration in business. The system allows for wealth competition and th e necessity to realize high profits. Unlike the conventional system, the Islam economic system allows limited economic freedom to individuals to earn wealth. The system differentiates between haram and halal as pertains wealth acquisition. Halal is an activity that is in line with the law while haram is activities forbidden under set regulations. The economic system forbids expenditure on luxurious lifestyles, spending extravagantly. The system encourages the wealthy to spend on the poor and the needy as a good gesture.

Chemistry of antiscalants Essay Example | Topics and Well Written Essays - 750 words

Chemistry of antiscalants - Essay Example Conversely, Phosphonates, polyphosphates and polycarboxylates react with minimal quantities (Singh et. al., 2008). Threshold inhibitors are the name that refers to the chemical agents that inhibit scale and work at quantities below the stoichiometric level. These inhibitors foil the whole process of precipitation. Various mechanisms take place when interfering with the process of precipitation. The first manner is the modifying of the crystals into shapes that make it impossible for attachment with other crystals. Secondly, the inhibitors attack the forces that bind the particles into precipitation to break the bond necessary for the precipitation. The third mechanism is through impeding the growth of the particles to bring a non-precipitation zone. Despite the effectiveness of the antiscalants, other indispensable factors determine the whole process. These factors comprise of presence of other ions in the solution, the temperature, the PH and the ratio of super saturation. Moreover, the heaviness of a polymer matters a lot when the antiscalant is polymer (Singh et. al., 2008). CACO3 crystallization is a process that is intricate and requires great understanding to know the reaction that takes place with the antiscalant. The various mechanisms with which the antiscalant inhibits the precipitation are under one method of â€Å"charges attraction†. The antiscalant is always negatively charged and it gets attracted to the area with the crystals, which is positively charged. The definition of threshold inhibition is assumed from this description. Threshold inhibition thus refers to the fusing of the particles of the inhibitor to the crystal-filled arena that is rich with ions. The surface of the crystallization zone tends to be loose and hence creates a space for absorption of the inhibitor’s particles. Once the inhibitors have penetrated to the inside of the crystals, the formation of crystals is in interference. It delays the beginning of crystalliz ation since the walls that would bind the crystals are filled with the inhibitors particles. The first crystals cannot be detected since the inhibitors particles impose a derailment between the period of super saturation state and crystallization (Singh et. al., 2008). Consequently, the crystals form but the inhibitors attack to tamper the growth sites. It thus obstructs the normal reaction that would have to happen. The inhibitors modify and alter the growth of the crystals. Results from the modification of the crystals, is retarded crystals that do not have the strength to stick on metal materials. These crystals are then electrostatic charged and thus posses repulsion with particles with the same side charges. It makes the crystals not to converge and clot (Singh et. al., 2008). There is a common fact that phosphonates are better threshold inhibitors than polycarboxylates. Contrarily, polycarboxylates are better dispersants than phosphonates. Both chemical agents show their react ion when in a solution in inhibiting scale threshold. In a condition where the level of super saturation is low, the phosphonates can be the ultimate solution. Conversely, where the level of super saturation is high, polycarboxylates can salvage the reaction (Singh et. al., 2008). Polycarboxylates have properties that can help in dispersing of particles that are useful in a condition of high super saturation. It is a

Effectiveness of Play Therapy in Enhancing Social Skills

Effectiveness of Play Therapy in Enhancing Social Skills Effectiveness of Play Therapy in enhancing Social skills in Intellectually Disabled Children by Azka Tauqeer Asjad Abstract The present study was targeted to measure the effectiveness of play therapy in enhancing social skills in pre-diagnosed intellectually disabled children of mild and moderate level. The research was comprised of ten intellectually disabled children of mild and moderate level of ages 5-15 from Army Special Education Academy Rawalpindi. Social skills were considered as dependent variable, whereas play therapy as independent variable in this study. The method of this research was quasi, pretest-posttest type with an experimental and control group. Social Skills Checklist (Heather Thomas, 2013) was administered in pretest and posttest. It was hypothesized that play therapy on experimental group will be effective as it will produce significant positive results in enhancing social skills as compared to the control group. The analysis included paired sample t-test and findings were presented in tabulated form. The current study will help in understanding the use of play therapy to facilitate children with intellectual disability and it will bridge the gap between the mental health needs of exceptional children and the available services. Play therapy is a therapeutic process between the client and the therapist where the therapist uses play as a therapeutic intervention for solving the child’s emotional and social difficulties and for incorporating required skills and appropriate behavior (Association for Play Therapy). Play therapy acts as a mode of communication between the therapist and the child. This method is based on the assumption that play is a way of children making contact with their environment. Play therapy is to children what counseling and psychotherapy is to adults. Young children express themselves comfortably through play when they cannot through meaningful conversation. Therefore, play is an indirect way for therapists to understand and alter children’s perceptions, cognitions, and behaviors. Intellectual disability stands for impairments in overall mental abilities which affects adaptive functioning skills of three multiple domains or areas that arise during the passage of children’s development. Limitations should be present in comparison to other peoples of the same age, gender, and social-cultural upbringing. These individuals show difficulties perceiving and assimilating new informa ­tion, learning new things quickly and completely, applying knowledge and skills to solve new problems, thinking imaginatively and flexibly, and responding swiftly and correctly. The criteria identify three domains of adaptive function ­ing i.e. conceptual, social, and practical. Individuals with intellectual disability should show impair ­ment in at least one domain. The first one is conceptual domain that includes skills in language, reading, writing, mathematics, reasoning, knowledge and the ability to learn and remember information and skills. The second domain is social skills which includes interpersonal communication skills, empathy rules following, social adjustment, understanding others, making and maintaining friends. The last domain is Practical skills and it includes activities of daily living skills including personal care safety, home activities, school/work skills recreational activities and using money. (DSM V) In the case of children with intellectual disability, thorough training is required to integrate appropriate social behavior. If the intellectually disabled children are provided the opportunity to socialize with others during childhood, they will achieve social competency. Therefore training should be started very early (NIMH, 1990). Social development is multidimensional processes through which children gain competencies and the required social behavior that enable them to function in a social environment appropriately, in a way that is favorable to their welfare and to that of others as well. Social skills have been described in various terms. Eisenberg and Harris (1984) have defined it as developmentally related abilities that lead towards achieving the optimal level of social competence. According to Charon (1986), social skills are a composition of skills that enables us to interact, socialize and develop relationships with others. They are comprised of both verbal and non-verb al types of communication. According to American Psychological School Association (2012), schools are a source of enhancing and developing social skills. According to them, social skills stand for the acceptable set of behavior and etiquettes to behave and interact in the society and to refrain from the negative behaviors unacceptable in the community as a byproduct of these positive influences and interactions. If there are services provided in school environment where concern is focused by the counselor on the social skills and interpersonal development of the students, it can also boost the academic performance (McClelland, Morrison, Holmes, 2000). If the children achieved meaningful and positive interpersonal relationships in the elementary years i.e. 6-12 ages; they will have the ability to face the challenges of adolescence and perform much better in their social and academic lives (Feldman, 2014). Wlkinson and Carter (1982), author of the Social Skills Training Manual; included social behaviors which are: greeting behaviors such as hand shaking; smiling; hugging; saying: â€Å"Hi†; in communicating with others, maintaining eye contact and be at a reasonable distance. Inappropriate social behavior of intellectually disabled children may be due to their incorrect perception about their social environment and situations. They may be facing difficulties in understanding and identifying social relationships, misguiding others feelings and inability to understand the required social rules conformity. They may also be unable to understand different manners and ways of communicating with peers, adults and family (Kronick, 1983). Children express themselves freely in play therapy because it is a condition which does not lead to any serious consequences although it is fun and joyful. It helps the child in forgetting the frightening world and it provides a safe environment where risk can be taken and there can be no rules or social conformity and the child is independent from the real world (Skynner Cleese 1983:298). Play is not any artificial environment created by the therapist or experimenter; instead it is child’s natural world where they could be free from obstacles of daily life charades. Office of the United Nations High Commissioner for Human Rights states that play is an undeniable right for every child in 1989. The American Academy of Pediatrics published a white paper to commemorate the significance of play for the healthy growth and development of the children (Ginsberg, 2007). Play therapy provides a safe, nurturing and comfortable environment where children play out what they have experienced, their reactions and feelings about those experiences, what they need in their lives, and how they feel about themselves. Play is also use to teach new skills to the client. Therefore it is a complete therapeutic process. Play therapy is the most effective way as it makes the child feel safer. It is a place which is completely safe, a place where the child is accepted as the person he is. It is an active process where the child is allowed to be creative, make mistakes and be himself. Play is a mode of embracing new information and making it part of their personalities. Social Skills and Play Therapy Social skills stand for the ways which the child could in order to relate with others, to make new friends, to express their needs. It makes the child understand his boundaries, others feelings and needs and he learn cooperation. For the social skills to be developed completely, the child has to understand and be familiar with multiple actions and behaviors and be aware about the consequences. As stated by Landreth (2001), all children can gain positive behaviors and influences by engaging in a controlled play therapy where they are given the chance to exercise their social skills. Group play therapy could also benefit the child in refining new skills, accepting their social self and their peers, identifying their social capabilities and in achieving self-control (Landreth et al., 2005). Counseling provided at elementary level in the school setting help children in learning of new skills as well as in becoming aware and responsive of their customs, values and priorities (Gladding, 2011). Working along a small group who are experiencing the same difficulties enhance the abilities of students to work out their social, psychological and emotional challenges (Campbell Bowman, 1993). Functional skills are important for the intellectual disabled children to learn in the educational process as unlike to normal children who could adopt the required behaviors and skills through observation of their environment and daily experience. The curriculum of intellectually disabled children is planned by keeping in the view the importance of teaching daily life skills. Even the basic things such as putting nuts and bolts together are practiced by the children. The intellectual disabled children require direct training in specific activities and tasks lo learn generalization and to perform the tasks more regularly and easily (Narayan Kutty, 1998). Teaching the age appropriate social skills helps the child in acquiring the skills compulsory for living independently in the social community. The program for teaching such skills differs from the regular academic curriculum and it maximizes the self-esteem, independence and competence in daily life of the children (Heward, 2006). It is stated that a small group intervention can contribute positively in the process of developing social skills (Kayler Sherman, 2009). Group interventions provide the opportunity to develop and sustain relationships as well as enhance the personal characteristics that could influence accomplishment. It is a multidimensional, effective and efficient method of teaching new behaviors and skills (Akos Milsom, 2007). Theories of Intellectual Disability The intellectual disabled also progress through the same cognitive developmental stages defined by Piaget as their peers (Zigler, 1969). The only difference is that their cognitive stages develop much slower and their cognitive abilities cannot be compared with a non-disabled individual. An intellectual disabled individual cannot reach the mature level of cognitive functioning at any point. According to the various studies, intellectual disabled individuals will perform poor on cognitive tasks as compared to the control group of same mental age level. It was known was â€Å"mental-age lag† phenomena (Spitz, 1982). According to developmental theorists, children suffering from intellectual disability also experience the similar information restructuring as explained by Piaget, but their process is much slower as compared to the normal children. According to Anderson, Children with intellectual disability have slower speed of processing and this is the reason that they could understand information in chunks as compared to information in whole. The individuals with intellectual disability, whether they are children or adult, they will face deficits in intellectual abilities and knowledge processing in comparison to the individuals with same mental age. It means that intellectual disability has an enduring and lasting effect which cannot be reversed. The consequences of intellectual disability may differ from person to person as different abilities level present in people without any such difficulty. Approximately 90% of the intellectual disabled are at mild level and they only differ from normal population as they are much slower in learning new set of skills and information. Rest of the 10% will have complications in daily functioning and social skills (Gallagher et al., 2000). If they are diagnosed in early years and a proper individual educational plan is formulated according to their specific needs; they can become a supportive and contributing member of the society. Children with intellectual disability have the capability to learn things in the same 12 learning techniques as other normal children do, but due to their labeling and exclusion from normal education, they are often failed to see as learners. This is the lead reason which cause low literacy level in intellectual disabled population. The researcher conducted a meta-analysis of the researches on intellectual disability and learning in special education and only one of the research results pointed out that special education proved useful for children with intellectual disabilities. In the other researches, learning at home and normal institutions also seemed to benefit the intellectual disabled (Jackson, 1994).

Physics Lab

In the Tumble Buggy Lab, my partners and I used several different methods to calculate the velocity of a Tumble Buggy. The methods we used were a meter stick and a timer, a Spark Timer, a Photogate, and a Motion Sensor. Each method was different but overall, our velocities were very similar. Using the meter stick and timer, our velocity was 0. 22 m/s. With the spark timer, our velocity was 0. 26 m/s. Next, the velocity found with the Photogate was 0. 325 m/s. Finally, when we used the motion sensor, we found our velocity to be 0. 34 m/s. This lab is prone to some mechanical and human error.First, the meter stick and timer method. This method is the least accurate because it is the most subject to human error. While doing this method, one person must time the car as it moves a distance of one meter. This can be very inaccurate because the timer could start the timer to early or to late and could stop the timer to early or to late. Next we have the Spark Timer. This method uses special tapes and burns small holes into the tape every tenth of a second. The Spark Timer is very accurate and the timing is very precise. Our third trial was the Photogate.I believe that this device is the most accurate because it measures the speed at which a flag placed on top of the buggy passes through a infrared beam, breaking the beam. The final trial was the motion sensor. Although this device is accurate it is subject to human error. This error comes into play when the person is starting and stopping the buggy in the motion sensor. The error is that you cannot be sure if the motion sensor is hitting the buggy at all times, effecting the data. Overall, I believe that this lab went well but if I were to redo the lab, I would definitely have more than one trial using each device.

Reflection paper of leadership and ethics Essay

My experience was very much intriguing than I anticipated. Few days to the case day, I called up for a meeting with my group members via their email addresses to get familiarized with each of them and get to know some background about all of the group members before the scheduled case day. The meeting was arranged but unfortunately it lasted for a couple of minutes and I could not get much significant information about their background and it was at this point that I realized that I was going to have a lot of challenges at hand as a leader and a follower. This, I thought of due to the fact that, I knew a little about my group members and moreover, each of them come from a different country, with different cultural background, different belief systems and the like. I had no clue or experience as to how I could lead people with such diverse characteristics in term country, culture, beliefs, expectations and others. In an attempt to learn more about my group members with these diverse backgrounds, I sent to each of them friendship request on facebook social network to enable me check some more background information about each of them before the case day. Fortunately, I got all of them to accept my friendship request on facebook social network and started to engage them in conversation to find out more about them – what their value are, their expectations, their experiences in life, etc. Some few background information about each of them was gathered in a way but unfortunately, there was not enough time to get to know more than I already knew because we all had some reading and assignments to get done. It was at this point that I realized that, it would have been better for me to have started the  background check on each of them earlier than I did. In that case, I would have had a lot of information about each of my group members in terms of their way of life, values, expectations, etc and to inform me on how to relate to each of them as a leader and a follower in a more effective and efficient manner. I must confess, this was the first time I have had to lead a group from different countries, people with varying cultural background and belief systems and the main reason why I thought it would be more challenging than it appeared. The following is the account of my experience on case day one: My first task was a very interesting but challenging one and something that I never anticipated – you may be wondering what it was. My first task was to go shopping with my other four (4)  group members to buy at least five (5) ingredients given one hundred Norwegian kroners (100 NOK). The most challenging part was that, these five (5) ingredients was not to conflict with any of the group members interest or that each of us would find no difficulty eating. I started to wonder how easy it would be to figure out food for five (5) people from different countries, with different cultures and beliefs. I figured out that, the best way was to get everyone’s input as to what we should buy and should not buy and started taking suggestions and objections from each one of us. This exercise was to gather common ingredients to all of us and to do away those ingredients that were not common among us. Fortunately, after few minutes of deliberation on what to buy and what not to buy, a conclusion on what to buy was made and we got all ingredients that were common to all of us. I believe one thing was paramount here – cooperation. I learnt from this interesting experience where five (5) people from five (5) different countries with very divergent cultural background and belief systems were able to accomplish such a challenging task of arriving at a consensus to buy at least five (5) ingredients to prepare food that could be eaten by all members without haven to disregard or deny anyone’s interest within a couple of minutes. This has really thought me a great and valuable lesson that, cooperation and deliberation can be the best remedy for arriving at a consensus in such as a complex situation. I also learnt that, it pays to be a good listener so that  issues raised and discussed could be incorporated into making ethically responsible decision that satisfies everyone. Surprisingly, the tasks were getting more and more challenging, why am I saying this? My second task was to locate the route to our final destination where most of the tasks were going to take place. The only way to locate the route was from a map and I had no experience or clue on how to use maps because I have never used a map to locate a route to anyplace before. I asked my group members if anyone knew how to use the map to locate the right route to the place and I gathered some ideas and information from them and we set off. I learnt from this experience that, a leader does not know it all – he or she cannot be jack of all trade and has to rely not only on his knowledge but also on the knowledge and ideas of his followers through sharing and learning from each other. There is an adage that, â€Å"two heads are better than one†. To state it differently, a greater output or more effective and efficient outcome is achieved through sharing and learning by two or more people in a more cooperative manner than one person doing everything all by himself or herself. While we trek, I took time to get to know my group members in terms their culture, experiences in life, likes and dislikes, interests and hobbies and so on. This was important for me because I was building on my knowledge of each of them and to get to better understand them to help me as a leader and a follower. When we had gone half way through the trip we have had to stop to evaluate me as a leader and at this point I had started to think about some positive attributes about myself as I led my group members in task 1 – where we had to buy five (5) ingredients that would be common for all of us to eat together and task 2 – which was to lead my group members through the right route to our final destination for which I had no idea about because I had to do it with the aid of a map. In these two (2) tasks where I led the group, I did my best to listen to everyone’s view and involved everyone in the decision making, thus, ensuring  that decisions arrived were in the best interest of everyone and we were all comfortable with the decisions without ignoring or disregarding anyone’s view. It was however not surprising that, all my group members thought of me as a good listener, team player, energetic and a leader who takes everyone’s view as equal and into consideration. It was revealed to me during the evaluation exercise that, I was a leader of few words, someone who does not talk much, gave less details and more of introvert person. This is in my view was a true reflection of my personality and I have started to find out how I can improve on my communication and social skills, which I believe would help me lead effectively and efficiently in not too distant future. It is very interesting when your own colleagues assess you diligently and let you know in a friendly manner and in the same way encouraging to work hard because they believe in you and that you could be better. This made me want to learn more and more about myself, I wish I could have asked for more tasks to unravel my challenges or shortcomings as a leader so that I would be able to work on them for improvement. This was a good experience for me. This is the account of my first experience as a leader in a group of people with different backgrounds in terms of country, culture, belief system, etc and what I learnt from the tasks. After the evaluation, one most important thing that happened was to change leadership and this brought to bare different style of leadership or approaches to solving different tasks in different circumstances. This provided me with opportunity to assess other group members’ leadership   styles or approaches in solving tasks in varying situations and also learning from their good leadership attributes and helping them identify their weaknesses or challenges for improvement was a very good exercise for me as well. This exercise revealed to a greater extent each member’s strengths, weaknesses or challenges and values exhibited during the period of the activity and provided a strong foundation for every participant to improve on areas highlighted during the self-assessment and group member assessment sessions. Again, individuals’ true identity was also unraveled throughout the whole activity with no fiction or falsehood. When we arrived finally at our final destination, it was all excitement and every member of  my group walked up to me and said â€Å"yes, we made it† – I believe it was a great success for all haven used a map to locate the place without prior experience. At our final destination, the tasks got more and more interesting and thought-provoking. We were assigned a task to build a tent for shelter against extreme weather condition. The leader of our group organized us and we shared ideas as how best to build the tent within the stipulated time frame. The leader led by example, taking the initiative after we agreed on how to build it and this was a good thing because it motivated the team members in accomplishing the task as allocated to each one and as scheduled. Another major challenging task was assigned to us to make a one-handed rolling pin within a limited time frame and to also prepare food within the same time frame. This was the most challenging tasks for two reasons: one was the fact we did not know (or have prior experience on) how to make the one-handed rolling pin; and two was the fact that we have had to perform two (2) different tasks concurrently which could result in shifting more attention to one perceived as most important. The leader started by organizing the team members, we planned, shared and allocated the two tasks among ourselves. This was done to avoid the tendency of shifting more attention to one task leaving the other task unfinished. The leader also monitored, coordinated and motivated the team very well ensuring the two (2) different tasks were completed within the stipulated limited time frame. The interesting thing was that, no one was assigned a task that he or she was not willing to perform (morale was high). Thus, everyone was made to do what he or she could do best to ensure overall success of the team. We were successful in completing the two (2) tasks within the limited time frame. I learnt that good communication, planning, organizing, sharing of ideas, division of labour, monitoring and motivation as well as teamwork were important recipe for success in this situation. Additional task was assigned for us to pick a log of wood with ropes without touching the log with our hands and take it to a specified location without getting the log to touch the ground. As we did always, the leader organized everyone to share ideas on how best to complete the task assigned. We  successfully completed the task but we were a bit late since the other team completed before us. Here, the spirit of motivation was very good because we did not give up even though we knew, we were behind time and this is something I also learnt. This task was repeated and this time around we successfully completed before the other team. This however, meant that, we did our home work well and learnt from our mistakes. This is another important thing that I learnt from the exercise. Below is the account of my experience on case day two: In this case, I partly owned a sawmill company in a small county that buys trees from the farms in the area and produces and sells materials to most carpenters in the county and neighboring counties. I also had 15% shares in a local fishery factory in the county and represented party two (2) in the city council. All the roles assigned was believed to expose each participate to varying situations of ethical dilemma and assess how each one of us was going to act in such situations. At the beginning of the case, it was not too clear what we had to do or act. Most people were confused about their roles and what they needed to do to have their roles excellently played out. This was because most of us if not all of us did not have enough information as to what to do, who to interact with and what tasks were involved. When information regarding what each one of us was to do was disseminated then, it became clear what was expected of everyone. I was doing my business as expected but my business partner did not involve me in the finances of the business and would provide me with details transactions of the business. He was always out of the business premises doing one thing or the other and I had to take care of the business by staying in the office all day. I was never involved in any unethical act in my sawmill business and knew nothing about my partners’ unethical acts such as converting his personal loan to business loan, bribing others and the likes. This however, revealed that it is very essential for a business partner to be actively involved in all aspects of the company’s activities otherwise a lot of things could go wrong without it being recognized as was evidenced in my case. Another important point to note is the impact of the sale of my shares in the local fishery factory. The local fishery factory for over period of time was not making enough money due to the pollution of the water by the mining company’s activities. The mining activities rendered the local fishery factory unprofitable and even unsustainable and the city officials were not doing anything to salvage the situation. The mining company that was killing the local fishery factory was also a shareholder in the fishery industry. I was approached by the Accountant of the mining to sell my shares to the mining company and I did on the grounds the keep the business running (sustaining it) and make it profitable with greater shares in the fishery factory. It was realized after that the mining company only wanted to take over the fishery factory and collapse it, making the very essence of the sale of my shares lose its importance. I sold the shares because the fishery factory was going to collapse anyway but realized that by selling off the shares to the mining company, it do something about the situation. Thus, if it allows the fishery factory to collapse it losses more and therefore, would proactively do something to remedy the situation since it was the mining activities that was killing the fishery factory. The idea was that, a lot of people were going to be unemployed, people would lose their investments and society at large suffers from the collapse of the fishery factory. The mining company just wanted to collapse the fishery factory which I believe is not the right way to go as it harms people (employees, customers, etc.), animal, society and the environment at large. In conclusion, I have learnt a lot about myself as an individual (my strengths and weaknesses), about others and how to relate well with others in spite of varying backgrounds. I have also learnt various leadership qualities of an effective leader such as being a good listener, a good communicator, confident, able to delegate, creative, able to inspire others, positive thinker, caring and the like. Throughout the activity I learnt how to deal with different situations as a leader and as a follower (team member) and how successful a team can be as well as how far it can go if the leader ensure that all members work in harmony with each other and also with trust and honesty. I have learnt also that knowing one’s own self and the  team members plays a critical role in being a good or effective leader and makes it much easier to lead in a positive way as well as achieving better results. From case day two, I learnt that, it is imperative for companies or businesses to note that in achieving organizational goals, maximizing profit or personal benefits, it should not be done by causing harm to others, animals, society and the environment as a whole. I believe that, the mining company’s activities was causing more harm to others and the environment, thus, it was unethical from the utilitarianism, duty ethics, virtue ethics, discourse ethics, ethics of rights and justice perspectives as their activities, actions and inactions harm others, animals, society and the environment at large. Finally, the two-day activity was very helping in providing a practical experience in leadership and ethical decision making situations for participants.

Self Defence essays

Self Defence essays Women are targeted by many criminals because they seem fragile and cannot defend themselves. Many women panic in the state of attack causing them to be easily overtaken. A womans best form of defense is her mind. Some ways in which a woman can defend herself seem strange but are actually very intelligent. In many self defense classes women are taught to remain calm and use their head in serious situations. Women often carry all their important belongings in a purse. One easy way for a woman to guard her purse is to keep an eye on suspicious looking people. If a woman suspects someone is following her or trying to steal her purse, she should turn around and startle them by saying something unexpected. A good example of this is when an elderly woman, having sensed someone following her, turned around looked the thief straight in the face and said, Dont I know your mother? Startled by the woman, the criminal quickly ran in the opposite direction. I believe that a womans intuition is important women can sense things before they happen. Many people on the run often like to take joyrides in other peoples vehicles. When a womans car is over taken by an intruder she usually panics and tries to regain control. This technique puts the woman at a greater chance of getting killed in a car accident than by the car-jacker. One woman was faced with being held hostage by a man that jumped in her car. This woman remained calm and dialed 911 on her cell phone and placed it on her lap, without him noticing. The woman recited everything she saw giving the police hints to locate her. The police, having heard their entire conversation, quickly spotted the car. The woman was safely rescued and the man arrested. Many women would have panicked in this situation but this woman used her wit which might have saved her life. Many men find sick situations to be amu ...

Free Essays on Concert

For this concert report I chose to go to a performance of student composers held at the Kimball Recital Hall. I chose this one because I wanted to see some of the talent that my peers have in the music realm, and also it was one of the only concerts I have been able to attend because I usually work at night. It was impressive to hear pieces composed by students. I cannot imagine creating something as complex as a musical composition, much less actually performing it, so this aspect of the concert was particularly awe-inspiring. There was a large attendance, and I think that much of the audience consisted of friends of the composers and/or performers. I went with three friends, who I convinced by telling it would be interesting to see student composers. The first piece was called Oblique/musique composed by Patrick Swanson. This piece instantly stood out among the others because of the instruments involved. The piece was performed by two people: one playing a vibraphone and the other playing a large drum/cymbal/gong. However, the piece also contained prerecorded sounds of static, bass, and an incoherent voice. In this piece the melody was repeated many times. It was similar to the works of John Adams because of its repetitions, background recording, and minimalistic sounds. The second piece was a piano composition by Thalia Ventimilla called Ecuadorian Afternoon. This piece had a very relaxing melody and a â€Å"walking speed† tempo. It was not fast and not slow. The intensity of the piece started out high and gradually declined, then built up to decline again. This went on in a series of decrescendos, rising and falling with lots of chords being played. The third piece was a duet for the flute and the oboe by Julia Grace Brown. The piece contained two movements, but I could not tell when one stopped and the second began because there was no pause. While they played the flute was quicker, playing in short, fast, high pitched notes. ... Free Essays on Concert Free Essays on Concert The concert performed April 24th, 2001 in Baldwin Auditorium was one of the most remarkable I have attended. The title â€Å"Classical Meets Jazz V† drew my attention because I have studied that Jazz has a strong parallel with Baroque, but not with the classical period due to its counterpoint and layering. I thought that it would be a mixture of them, but I later found out that each piece performed was a style of its own. It all started with Andrea Adamcov playing the piano. She started playing a few soft notes with her left hand and suddenly she added some scattered notes with her other hand. The rhythm was starting to gain pace and you could hear the counterpoint that kept a constant tempo. This piece was clearly Jazz. After the second section of the tune was stated, it was then followed by the return of the first one. You could hear some dissonance. There was a point in which the texture became homophonic in a slow tempo, which appealed to my senses as sad. The final section of Children’s Songs by Chick Corea starts very fast in an andante fashion. It keeps its speed through the whole piece. Then another melody is added and repeated again. The performance of Andrea struck me in the sense that it seemed that she really was into the music. I noticed this by her body language and the way she let the music flow through her arms, hands, fingertips, keyboard, strings and finally to the ears of the listeners. The second piece played by her was by Alberto Ginastera, which was an Argentinean composer known for making music that combines folk Argentine rhythms and colors with modern composing techniques. What I could notice from this piece was an exhilarating rhythmic energy and an hallucinatory atmosphere. The Prelude seemed to have some dissonant, fast, high-pitched notes. Another thing that could be appreciated was the motoric rhythm, which presented both the basic pulse and its subdivision. The Creole dance was a representation of ... Free Essays on Concert The concert performed April 24th, 2001 in Baldwin Auditorium was one of the most remarkable I have attended. The title â€Å"Classical Meets Jazz V† drew my attention because I have studied that Jazz has a strong parallel with Baroque, but not with the classical period due to its counterpoint and layering. I thought that it would be a mixture of them, but I later found out that each piece performed was a style of its own. It all started with Andrea Adamcov playing the piano. She started playing a few soft notes with her left hand and suddenly she added some scattered notes with her other hand. The rhythm was starting to gain pace and you could hear the counterpoint that kept a constant tempo. This piece was clearly Jazz. After the second section of the tune was stated, it was then followed by the return of the first one. You could hear some dissonance. There was a point in which the texture became homophonic in a slow tempo, which appealed to my senses as sad. The final section of Children’s Songs by Chick Corea starts very fast in an andante fashion. It keeps its speed through the whole piece. Then another melody is added and repeated again. The performance of Andrea struck me in the sense that it seemed that she really was into the music. I noticed this by her body language and the way she let the music flow through her arms, hands, fingertips, keyboard, strings and finally to the ears of the listeners. The second piece played by her was by Alberto Ginastera, which was an Argentinean composer known for making music that combines folk Argentine rhythms and colors with modern composing techniques. What I could notice from this piece was an exhilarating rhythmic energy and an hallucinatory atmosphere. The Prelude seemed to have some dissonant, fast, high-pitched notes. Another thing that could be appreciated was the motoric rhythm, which presented both the basic pulse and its subdivision. The Creole dance was a representation of ... Free Essays on Concert For this concert report I chose to go to a performance of student composers held at the Kimball Recital Hall. I chose this one because I wanted to see some of the talent that my peers have in the music realm, and also it was one of the only concerts I have been able to attend because I usually work at night. It was impressive to hear pieces composed by students. I cannot imagine creating something as complex as a musical composition, much less actually performing it, so this aspect of the concert was particularly awe-inspiring. There was a large attendance, and I think that much of the audience consisted of friends of the composers and/or performers. I went with three friends, who I convinced by telling it would be interesting to see student composers. The first piece was called Oblique/musique composed by Patrick Swanson. This piece instantly stood out among the others because of the instruments involved. The piece was performed by two people: one playing a vibraphone and the other playing a large drum/cymbal/gong. However, the piece also contained prerecorded sounds of static, bass, and an incoherent voice. In this piece the melody was repeated many times. It was similar to the works of John Adams because of its repetitions, background recording, and minimalistic sounds. The second piece was a piano composition by Thalia Ventimilla called Ecuadorian Afternoon. This piece had a very relaxing melody and a â€Å"walking speed† tempo. It was not fast and not slow. The intensity of the piece started out high and gradually declined, then built up to decline again. This went on in a series of decrescendos, rising and falling with lots of chords being played. The third piece was a duet for the flute and the oboe by Julia Grace Brown. The piece contained two movements, but I could not tell when one stopped and the second began because there was no pause. While they played the flute was quicker, playing in short, fast, high pitched notes. ...

The Emergency Evacuation and Quarantine Program Assignment

The Emergency Evacuation and Quarantine Program - Assignment Example Additionally, the CDC with the implementation of the programs has planned to reduce the prevalence of chronic diseases and challenges associated with them. In this respect, it can be comprehended based on the evaluation that the CDC with the assistance of the programs will be facilitated in providing better health security. Â  The Centers for Disease Control and Prevention (CDC) is the national public health institute, which operates in the United States of America (US). The organization was founded in the year 1946 with the aim of developing a better healthy society. Over the last sixty years, the organization has contributed an enormous amount of effort to cure various catastrophic issues. In order to attain the objectives, the organization has performed its operations with the help of the political council, government, business enterprises and non-governmental organizations in the US. The primary goals and objectives of the CDC are to improve the health of the people of the US through preventing as well as controlling the threats of catastrophic issues. Apart from this, the secondary objective is to improve the health measures through promoting health education activities (Centers for Disease Control and Prevention, n.d.). Â  The objective of the quarantine program of the CDC has been to eliminate the ill effects disaster. Thus, the CDC has targeted to improve the impact and the effectiveness of its emergency disaster operations along with preventing the non-communicable diseases in the US and certain other nations. Additionally, the CDC’s intention is to reduce the spread of infectious diseases for better protection of public health as well as safety. At the same time, the CDC has planned to assist other nations along with international agencies with different health measures to minimize the effects of the non-communicable diseases with the assistance of disease prevention and control programs for better health security.

UGG boots case study Assignment Example | Topics and Well Written Essays - 1250 words

UGG boots case study - Assignment Example The brand was later expanded to produce sandals, clogs, boots, slippers, and handbags. Tsubo LLC, which produces sports and dress casuals, sandals, heels, and boots. In 2003, Australian sheepskin manufacturers started selling their products online at lower prices after Decker started making millions from UGG Australia sales (Windsor, 2010). Decker sales dropped as consumers preferred the UGG product at lower prices. The actions by Australian manufacturers were unethical because Decker owned the Trademark UGG and using it to sell their goods was ripping off the corporation. In addition, another act that shows the brand’s impact on ethics is through unfair competition. This is evident when competitors imitated UGG and sold fake products to customers who had no idea that they were buying imitations. Some producers went to the extremes of using cow skin instead of sheepskin (Worley, 2014). This is wrong as these actions were taking advantage of consumers whose real intention was to buy and enjoy the benefits brought about by the real UGG Australia products. Brand names, therefore bring about the worst from people who want to take advantage an d make money from consumers who lack the knowledge of knowing whether the products they are buying is real or just a cheap imitation. The owners of the products also suffer due to reduced sales after putting in resources to produce, advertise, and market their products. Their image also suffers, as wronged consumers who bought fake products will taint their name saying that the products they are selling are of poor quality. Other people may say that it is also wrong to raise sheep for their skin and use that skin to make products. It occurs as animal cruelty to the supporters of animal rights (Seltzer 2011). There is a query whether consumers are concerned that those beautiful, comfortable, and must have items were due to shaving

Obstacles and Constraints Paper Essay Example | Topics and Well Written Essays - 750 words

Obstacles and Constraints Paper - Essay Example It is a common term that is used by ecologists in their study to define the relationships between two or more organisms. Mutualistic is a term that is used to define a relationship between two organisms, in which they co-exist with the help of each other. In this case of relationship, both the organisms’ co exit in a mutual way, both of them gain benefits from each other, there is no organism that is at harm. Commensalistic is a term that is used to describe a relationship is which there one party who is benefitting is and then there is one party that is not benefiting at all. The two parties are existing together in a mutual way, and one is gaining advantage from the other while the other is gaining no benefit or no disadvantage as well. Parasitism is a term that is used when both the parties exist mutually but one party is living off the other. One of the parties derives benefits from the other party and the other party is getting harmed by the benefits. Competition in this both the parties try to exist mutually but then they fail due to the fact that both of them try to gain benefits but none of them gains anything out of it. In this both the parties end up harming each other. While the final form is Neutralism, in this both the parties remain unaffected and neither benefits nor is disadvantaged. In a good sense, the relation between the policy maker and the agent of implementation is an mutualistic relation. They can both function together in a mutual way and benefit each other. In this case, a policy designer is the person who designs policies, he designs policies keeping in mind the actual requirements of the city, now after he has done designing he expects that the policy implementer would implement it as it is and make amends only when required not on his personal opinion. When the relationship is bad then, we can say that there exists a Competition type of relationship, both try to implement and have their choice implemented, this way the genera l masses get no advantage out if it and they both end up harming their own reputations and their own egos (Amos, 1988).   In this case the government has faced a serious lack of implementation, they ordered a step but then refrained funding. It should have happened that the government should have actually provided the funds that were enough to sustain and maintain the police force. When such high amount of force is added, there is a need to accommodate their salaries, the ammunitions that is being provided to them and the uniforms that has to be provided. These are some of the basic things that have to be provided. The government had provided for the first timers only, later there was no release of funds which actually became a burden (Amos, 1988).   There are many financial constraints that are involved when any policy or any project is to be implanted. The budget is divided according to the requirements of the projects. But usually the prices are underestimated. It has also be en seen many times that the government or the higher officials do not allow the money to trickle down enough to be sufficient. Many a times the sanctioning of the budgets take up a lot of time and hence the projects are stalled a lot. There is always a serious need of training for the police officers that were hired; the government did not fund the training. When new people are hired they need to be trained. This is the

Education Policy In Bangladesh Essay Example for Free

Education Policy In Bangladesh Essay Introduction â€Å"Insurance is a way of protecting against these financial losses†. â€Å"General insurance or non-life insurance policies, including automobile and homeowners Policies provide payments depending on the loss from a particular financial event†. Anyone who owns an asset can buy insurance to protect it against losses due to fire or theft And so on. Each one of us can insure our and our dependents’ health and well being through hospitalization and personal accident policies. In this report we tried to show that how general insurance business operates in Bangladesh how important it is for economy what types of problem it faces in our country. Objective of the Study Primary objective The main objective of the study is to know how the insurance business works in our country. Secondary objective: The case study has the following objectives: To know about the insurance company (Based on three insurance companies.) To know about general insurance its classification. Company Overview Green Delta Insurance Company Limited (GDIC) is one of the leading private non life insurance companies in Bangladesh. GDIC was incorporated in December 14, 1985 as a public limited company, under the Companies Act 1913.  Actual operations started on 1st January 1986, with a paid up capital of BDT 30.00 million. Now, Green Delta Insurance Company Ltd. is amassed about BDT 637.875 million with a credit rating of AA1 and ST1. GDIC holds the proud distinction of being the first ever company to raise its paid up capital to such a level. This is also the 1st Insurance Company in Bangladesh to have equity partnership with IFC. With a presence in the strategically important parts of the country, which includes 38 branches, Green Delta Insurance Company Ltd. has established its prominent presence with equity participation in Delta Brace Housing Ltd., Progressive Life Insurance Co Ltd, United Hospital Ltd. Fin Excel Ltd. and BD Venture Ltd. Green Delta Capital Ltd. and Green Delta Securitie s Ltd. are two of the direct subsidiaries. GDIC provides stock brokerage services through Green Delta Securities Ltd. (GDSL) and investment supports through Green Delta Capital Ltd. (GDCL). As a part of the recognition for the contribution in the development of the insurance industry and for maintaining the standard of service, the company has been considered as one of the top 500 companies according to the renowned Rating Agency, Dun Bradstreet Rate Agency of Bangladesh. The company has also been awarded with many national and international awards like –‘’ICAB National Awards’’ for Best Published Accounts, ICMAB Best Corporate Award in Insurance category, ‘‘Certificate of Merit’’ for the Best Presented Accounts Award in the category ‘Insurance Sector’ by the South Asian Federation of Accounts (SAFA), ‘‘International Quality Crown Award’’ by BID International in London, The BIZZ Award by World Business confederation of Business, USA for leadership, Excellence in a management, Quality and Marketing, ‘‘The Diamond Eye Award For Quality Excellence’’ by BID OTHERWAYS, The Platinum Technology Award for Quality Best trade name by Association Other Ways in Berlin, International Star Award for Leadership in quality in the Gold, Platinum and Diamond categories and many more. With the slogan â€Å"Marches with time† during the last 28 years GDIC has been helping people in their time of need; pulling out all the steps when needed, and has been proud to be a partner in progress. Our Vision Our vision is to mature into a sustainable, coherent organization, raise competitiveness to the highest level in the insurance industry, maintain  high profitability balanced quantitative growth and exceed customer’s expectations by offering legendary services, embrace a new corporate identity and creative corporate culture. Our Mission Our mission is to create shareholders value through customer’s satisfaction and employee’s commitment to excellence. Our Strength Constant pursuit of suitable strategies has made the company the leading insurer of Bangladesh for over two decades. Our Belief We believe that client must stand at the center of our all activities. We have the ability to optimally fulfill the client’s needs based on risk management with minimum cost and personalized services Finding: Products Services Corporate Risk Management Industrial All Risk Insurance including Machinery Insurance and Business Interruption Property All Risk Insurance including Business Interruption Electronic Equipments and Computer Insurance Professional Indemnity Insurance Comprehensive Machinery Insurance Comprehensive General Liability (CGL) Product Public Liability Insurance Directors and Officers Liability (DO) Fire and Allied Perils Insurance Marine Cargo and Hull Insurance Financial Cash-in-safe, Cash-in-transit Cash-on-counter Insurance Portfolio Cover Credit Card Indemnity Insurance Bankers Blanket Insurance Bank Lockers Insurance A.T.M. Booth Insurance Banc assurance Retail SME Fire and Allied Peril Insurance Marine Cargo and Hull Insurance Personal Accident Health Insurance Overseas Mediclaim Insurance Micro Insurance Micro Health Insurance Nibedita-Comprehensive Insurance Policy for Women Household Insurance Motor Insurance Peoples Personal Accident Policy Comprehensive Travel Insurance Conventional Aviation Insurance Automobile Insurance Workmen Compensation Insurance Miscellaneous Insurance Engineering Insurance (Erection all Risk, Contractors all Risk, Deterioration of Stock Boiler Pressure Vessel Insurance, business intemiption Crop Insurance Nlbedlta-Comprehensive Insurance Policy for Women Weather Index Based Insurance Investment Portfolio Management Underwriting Pre-IPO placement Syndication Trusteeship Green Delta Insurance is known for its innovation and services. Today ´s competitive insurance market is driving the market to think and Winovate now products and services and GDIC have been doing with its authentic. Beside the Traditional insurance portfolio GDIC introduced following personal line of products in last year and some them are in pipeline: Health Insurance Household Insurance Nibedita-Comprehensive Insurance Policy for Women Cellular Phone Contingency Insurance Weather Index Based Insurance Personal Accident Insurance Policy for Migrant workers It is matter of great pride that GDIC has introduced an insurance product first time ever in Bangladesh which is designed only for the females named as Nibedita-Comprehensive Insurance Policy for Women. GDIC has also designed first ever Weather Index Based Insurance for the farmers of Bangladesh which will be launched shortly. In Briefly Fire Insurance Basic cover: Fire Lightning Explosion(domestic) Damage during or immediately following Fire caused by – smoke, scorching, Falling walls, water used for extinguishing Fire, blowing up building for preventing Spread of fire. This coverage can be extended to include other perils by the additional premium; Riot, Strike Terrorism Storm, Flood Subsidence Landslide Aircraft damage Bursting or overflowing of tanks. Health Insurance The health policy provides for reimbursement of hospitalization/domiciliary hospitalization expenses for illness/disease suffered or accidental injury sustained during the policy period. Under this scheme the expenses for treatment in a hospital for an illness or injury are insured. It does not cover for any expenses in respect of domiciliary or outdoor treatment. Covers: Hospitalization due to accident or illness. Ancillary services like ICU/CCU room, post-operative room, blood transfusion, special investigations, etc. Labor room services. Intensive care facility. Oxygen therapy. Skilled nursing services. Blood transfusions. Ambulance services. Dressing while in confinement and test other than the routine investigations. Marine Insurance The oldest branch of insurance. Comprises: a. Cargo Insurance. b. Hull Insurance. Lloyd ´s is the famous world ´s Marine insurance market. Marine Insurance Act 1906. HULL INSURANCE Concerns the insurance of ships. Hull, machinery etc. CARGO INSURANCE Plays an important role in domestic trade as well as international trade. Provides insurance cover in respect of loss of or damage to goods during transit by –rail, -road -sea -air Burglary Insurance Scope of Cover Lost by burglary Housebreaking following upon an actual forcible and violent entry into or exit from the premises by the person or persons. Then the company will pay to the extent of such loss to the extent of the intrinsic value of the descriptive value of the insured. Exclusions: Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc. Uncover able property: Deeds, bonds, stamp collections, bank or currency. Theft by persons lawfully on the premises. Any legal liability, Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etc Company overview Delta Life Insurance Co. Ltd. established mainly through the initiative of a group of Bangladeshi professionals then working abroad along with a few enthusiastic local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh allowed the private sector to operate in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief explanation as to the growth of life insurance business in Bangladesh is in order here. Bangladesh declared independence from the Pakistani rules on March 26, 1971 following which she had to witness a bloody liberation struggle with the occupation forces lasting for 9 months before they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to address the emerging situation of eroding public confidence in the industry that was left staggeringly short of resources in the face of huge losses caus ed by the war of liberation. After a series of experimentation, a state-owned body, namely Jiban Bima Corporation (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erstwhile private insurance companies and started business in its own name. Since inception, Delta Life set before itself a high  standard of all round performance coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector indigenous companies, but by undertaking and successfully implementing innovative and welfare oriented life insurance schemes. It introduced an array of conventional life and group insurance products many of which were the first in Bangladesh. For the first time, health insurance products were also introduced by Delta Life. But more importantly, in fulfillment of the avowed commitment towards social development, Delta Life for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the needs and pockets of poor people of the country who constitute more than 80% of the people of Bangladesh. Two projects of the company namely Grameen Bima for the rural people and Gono Bima for the poor and marginal savers of the urban areas were initiated to devote them slave exclusively to marketing and management of these innovative products. We are happy to report that we have achieved a good measure of success although there is a long way to go. These schemes that we have introduced have created great stir and enthusiasm among th e general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance coverage along with facility of regular savings on a long-term basis. At a later stage i.e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division. The GNGRB Division has been growing at a first rate of more than 25% p.a. for the last couple of the years and is poised to maintain this growth rate at least in the next five years or so. Delta Life can take pride in moulding the saving habits of the lower and middle class people and transforming them into prospective policyholders. The potential is now so strongly perceived that all life insurance companies old and new alike operating in the country have started their own micro insurance products. Finding Ordinary Life Insurance Delta Life offers a wide variety of ordinary life product/plans ranging from the most common endowment type to more modern and sophisticated plans like endowment with open term, pension plan with built in provision for  increasing pension, increasing protection with provision for premium refund etc. The plans have been designed keeping in view the diverse and multifaceted needs of the insuring public belonging to different strata of the society. Some of the popular plans are briefly described below. Group Life Insurance Group Insurance is an instrument for providing life insurance coverage (protection) to a number of individuals under a single contract (policy) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an insured member and/or his family in case of devastating events like-death, disability, disease as well as retirement. Group Insurance has already established its importance as a component of Employee Benefit Package in Bangladesh. Exclusive features of Group Insurance are: Insurance coverage to a number of individuals under a single contract. Simple insurable conditions Easy administrative procedure Prompt claim settlement Affordable premium Tax exemption on premium Delta Life offers a host of Group-Life Insurance schemes from which an organization/ employer may choose for benefits of its members/employees, as may best serve their interest according to organizational setup. To be treated as a group, the following criteria need to be fulfilled. A Group Should comprise of at least 15 members It should be a legitimately organized body Group clients of Delta Life Insurance Company Limited include: Semi-Government organization, autonomous bodies Private, Non-Government Organizations (NGOs) Educational Financial Institutions Public Limited Companies Associations, Business organizations etc. Group Life Insurance Schemes offered by Delta Life are of two types: Traditional Schemes: For insurance coverage of members/employees of a Group Exclusive Schemes: For insurance coverage of clients of Financial Institutions Traditional Scheme: These are the commonly offered Group-Life Insurance schemes and are also known as Basic Schemes: These are: Short Term Contract Group Term Life Insurance Scheme (GT) Group Term Life with Premium Refund Scheme (GTR) Long Term Contract Group Endowment Life Insurance Scheme (GEN) Group Pension Scheme (GP) There are several variants of Basic Schemes. Examples of two variants of GTR are GTR-100/10: Group Term Life with 100% Premium Refund after 10 years GTR-50/10 : Group Term Life with 50% Premium Refund after 10 year Health Insurance Health Insurance is now considered indispensable in developed countries. In the present financial-social perspective of Bangladesh as well, Health Insurance has now become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows: Hospitalization (In-patient) treatment coverage plans Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired) Hospitalization Insurance Plan (Individual) – offered to an Individual as well as his or her dependant family members also known as Delta Care Hospitalization Plan. Out-patient treatment coverage plans Out-patient Insurance Plan Offered as an adjunct to Group Hospitalization Out-patient Management Plan Offered as an adjunct to Group Hospitalization Overseas treatment coverage plan for travelers Overseas Medicliam Policy (OMP) – A pre-requisite for visa application offered only to Individuals traveling abroad. Hospitalization Insurance Plans Covers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospitalization Insurance Plans Hospital Accommodation Consultation Fee Medicine Accessories Medical Investigations Surgical Operation Ancillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the Scheme No need for preliminary Medical Examination during enrolment. Treatment coverage round the clock inclusive of Accidents and Emergencies. Coverage offered to Bangladeshi National as well as resident foreigner. Treatment at any renowned hospital or clinic by consultant of own choice. Preferential service at Designated Hospital. Direct payment of treatment expenses by the company at Designated Hospital. Reimbursement of expenses for treatment at non-designated hospital. Membership ID card for each insured to facilitate preferential services. Option for Maternity Benefit and Overseas Treatment coverage. Provision for inclusion of Spouse Children under the plan. Provision for inclusion of new member under the plan. Coverage up to 65 years under Group HI 60 years under Individual HI plan. Two types of plans with several benefit grades to choose from. Option to choose more than one grade according to status of the members of a group. Option to alter benefit grade during renewal. Gono Grameen Bima Delta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project (GRB) to cater to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people living in villages. Later it started another project in 1994, namely, Gono Bima (GNB) for the urban poor and the low income class. These projects are now merged under the  name of Gono-Grameen Bima Project (GN-GRB). The initial problems apart, the project started to yield impressive results right from the beginning by creating great interest among the target population who could not even perceive an institutional arrangement through which the ever present problems of insecurity of life could be addressed. To suit the needs and pockets of the target people, and for efficient management of these portfolios, some of the age-old traditional concepts of carrying on life insurance business had to be diluted and in some cases replaced by simple and straightforward practices. Yet, the results are so encouraging that Delta Life is now regarded far and wide as the undisputed leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad. Target Group and the Product In GN-GRB the formalities are minimum. Insurance Cover is given under Group Insurance concept. A person interested in a policy submits a simple two-page proposal form; it is signed or thumb imprinted by him or her. There is no need for medical check-up. The person needs to be between 18 and 45 years of age, have a monthly income of Tk. 5,000.00 (US $100.00) or less, be of good health and supply a Declaration of Good Health (DGH) at the time of submitting the Proposal form. Death through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an exclusion clause. Simple endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same irrespective of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced. Policy Documents Upon acceptance of the proposal, a pass book is issued to the policyholder detailing all terms and conditions of the policy. The pass book serves as the purpose of recording of all payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy document. Micro Investment (Loan) GN-GRB gives small project loans to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is calculated at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 equal monthly installments. The repayments are collected from door to door by the organizers. Recently a decision has been taken to establish small collection booths in the villages. A person must be a policyholder and pay premiums for at least one year before being eligible for a loan. The maximum loan given is Tk. 5,000.00 (US $100.00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a committee of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40 % of the repaid loan of an area are available for loan in that area. Also 100% of premium collection of a committee is available for loan to that committee. Company overview Crystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position. Our Mission To provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. CICL believes in the quality of the deals struck rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to deliver them the highest standard of security and professionalism. Finding Fire Insurance Fire Insurance Policy (including R SD, Flood, Cyclone Earthquake coverage) Industrial All Risks (IAR) Engineering Insurance Machinery Insurance {Machinery Breakdown Policy (MBD)} Deterioration of Stock (DOS) Boiler and Pressure Vessel (BPV) Electronic Equipment Insurance (EEI) Erection All Risk Policy (EAR) Contractor’s All Risk Policy (CAR) Motor Insurance Motor Insurance for Commercial Vehicle Motor Insurance for Private Vehicle Motor Insurance for Motor Cycle/Scooter Marine Cargo Insurance Marine Cargo Insurance transit by Steamer or Power Vessel Marine Cargo Insurance transit by Rail/Lorry/Truck Marine Cargo Insurance transit by Inland Rail or Road Conveyance Marine Cargo Insurance transit by Inland Cargoes (water borne) Marine Cargo Insurance transit by Air Cargo Miscellaneous Burglary House Breaking Insurance Cash-in-Safe Cash-in-Transit Cash-in-Premises Cash-in-counter People personal Accident Workmen’s Compensation Policy Business Interruption Overseas Med claim and Holiday Insurance Public Liability Policy Product Liability Policy Consequential Loss Householders Comprehensive Policy