Life Insurance Research Paper Example | Topics and Well Written Essays - 2500 words

Life Insurance - Research Paper Example , n.d.). The need for life insurance arises to obtain a form of financial protection against accidental incidents or deaths for which individuals are not always prepared. If insurance is ready, through payments of the premiums, then in cases of accidental deaths or incidents, individuals can be insured. Life insurances provide benefits for deaths or critical illnesses, for financial interests of individuals and family, for insurances at different stages of life, plans for retirements, loan facilities, as well as with benefits of tax payments (Why life insurance?, n.d.). The two main types of insurance are the whole life insurance and term life insurance where the whole life insurance offers for permanent insurance and term life insurance offers for insurance for certain terms or period of time (Magni, 2013). The present study discusses about life insurance with particular focus on the differences between whole life insurance and term life insurance and trying to determine which is be tter, also having an understanding of the relationship of the insurance with economic situation. II. Discussion: Term Life Insurance: Meaning: Term life insurance is defined as the policy of life insurance whose coverage period for the insurance has a set duration limit. On expiry of the policy the owner of the policy can decide on either renewing the policy or to end the coverage of the insurance plan. The benefits associated with such insurances are mainly limited up to the death of the policy owner. However in order to obtain the benefits of the plan, the death of the owner is necessary to occur within the time limit set by the term life insurance. If such time limit is passed and nothing happens to the individual, the owner does not receive any benefits from the insurance. Thus term life insurance do not provide with any savings from the investments that the policy owner makes for the insurance (Term Life Insurance, 2013). Universal Policy of Life Insurance: The universal policy of life insurance reflects that a flexible permanent life insurance is offered to the owner of the policy that requires the individual to make low cost protection payments to the insurer and also in turn obtains a savings from the insurance plan. Thus a cash value buildup is possible with the investment of this type of insurance. With the universal policy of life insurance, the owner of the policy is capable of using his interest that he gains from his savings in order to pay the premiums for the insurance. The universal policy of life insurance was initiated considering the need for more flexibility for the owners of the policy as the policy allows shifting of the invested money between the insurance and the savings from the plans. Premiums of these plans are variable and are divided into insurance and savings by the companies offering the insurances. Thus the owner of the policies is allowed to make adjustments between their payments depending upon the different circumstances tha t they belong to (Universal Life Insurance, 2013). Thus the most essential benefit of the universal policy of life insurance is its flexibility along with the permanent insurance it offers to the policy owners. It enables the policy owners to adjust depending upon their needs and conditions. Based on the policy, an interest is earned from the cash value of the insurance. This interest is based on the

Why do I want to be a Teacher Essay Example | Topics and Well Written Essays - 750 words

Why do I want to be a Teacher - Essay Example Teaching is a very dignified profession as a teacher imparts knowledge to the children so that they learn and become successful individuals. Teaching has been my passion. It forms an integral part of my life. This is the reason why I chose to apply for a professional studies program, Child Associate Development (CDA) Certificate which is in association with the New York Early Childhood Development Institute. It is by far the best program I have come across in New York, which offers all the facilities for the trainees. Known to permit individuals to acquire a great deal of knowledge, it provides the desired skills necessary to enhance the career development. It gives the students the opportunity to earn credit which can be transferred to a variety of programs on campus. I am optimistic about the fact that this program is going to help me in effective communication, polish my creative and critical thinking and aid me in learning to equip myself with the latest technology. The course wi ll enable me to pursue the advanced studies in the same field and meet the standards of the curriculum which is tested for its reliability and validity. I have always sought to perform definitive tasks in the learning process so that I am able to capture the content and learn to apply it in a real life professional scenario. I am looking forward to make full use of the objectives of this certificate so that I am able to achieve and excel in dealing with children and their families. In order to be able demonstrate my expertise in the pedagogical aspect of child development; I intend to make frequent visits to toddlers’ institutes to familiarize with the new methods of teaching and the practical aspect of education. I seek to learn from my mistakes and have full faith in the program that it will facilitate me in examining and reflecting on my teaching style. The institute promises to train its candidates through the use of several hands-on activities which can benefit the young learners as they need to concentrate while learning. I also hope that through this certificate I would be able to reach out to the parents of the infants who need to be equally assisted with the skills and resources that I will be employing on my students. All this with the aid of skilled trainers will help me grow into a better educationalist than many others who do not have the opportunity to be a part of this program. I want to accomplish the best from this program and reproduce the best material which can help millions of toddlers to grow into optimistic learns and leaders of the nation. This might appear to be a farfetched notion but for me it has always been my goal to achieve the best and help others achieve it as well. I believe that a teacher plays an eminent role in the pupils’ life. It is the role of my teachers which has compelled me to aim so high and work towards higher goals. In the end, it is all about self-satisfaction when it comes to nurturing a tiny human to turn into a better citizen and a successful professional. The field of education is too vast and offers a great deal of opportunities for all the degrees of education. Each area is rapidly developing into a separate department and requires more and more people to join so that more research work can be performed and new methods could be derived through careful experiments on classroom teaching methodologies and the quality of education which requires a constant upgrading and analysis of the curriculum. I believe that by being part of this institute and certificate, I would be able to become a part of the grand academia which is awaiting a new dimension in the field of education that deals with the child development. Teaching and training of infants and

How Symbolism, Setting and Characterization Contribute to the Power of Essay

How Symbolism, Setting and Characterization Contribute to the Power of 'Coalinga, Half Way' - Essay Example It soon becomes apparent that is imagery is extended to his wife, 'her big eyes' seeming to relate to the cattle's eyes. The moaning of a single cow links with her gasp, the 'horrible thud of shock in her chest, the slaughtering of the animals, the killing of her hope. Further symbolic images imply guilt, dread and destruction as the man sees pieces of garbage: This man may perceive himself to be the criminal here, for what he is thinking and intends to do. The symbolic links with the animals and their fate are continued when he believes himself to be crying, just as 'the steers set up a long series of desperate bawling', then, like him drop off into silence again, as does the piercing shriek of the circling hawk. The hawk itself suggests a symbol of something circling for the kill, bringing destruction somewhere, as the man destroys his family. The words 'will you meet me halfway' signify much more than a drive or geographical point on a map, as does the statement, 'he knows he's gone way past halfway'. The imagery of himself as something 'deep inside a muscle' calls to mind the hypodermic needle of an addict, and sure enough, he is soon no longer himself, but 'some scared boy.' Words and voices, with particular reference to the telephone also play a large part in the action.

Service quality and customer's satisfaction in academic libraries Essay

Service quality and customer's satisfaction in academic libraries - Essay Example A real library contains these along with various instructional and access tools and a high quality customer service. In a library, the fundamental goal of a librarian is to make sure that the service provided is consistent with the mission of the institution of which library forms a part. Service quality of academic libraries: Past and present: Service quality of an academic library is a measure of the customer satisfaction and the extent to which customers feel that their expectations have meet met by the service given. Calculation and management of the customer satisfaction has remained a usual practice in for-profit sector for long. The assessment of service quality in the present age finds its roots in the same old trend of measurement of customer satisfaction. Customer satisfaction has frequently undergone many changes in the last four decades as a concept. According to Crosby (1993), the contemporary concept of service quality is significantly influenced by all the approaches m ade to it in that past that include the 1960s’ corporate image studies and the 1980s’ total quality approach adopted by many economies in the West. The corporate image studies formed the very initial stage of calculation of customer satisfaction that emerged in the 1960s. The image surveys included questions about customer satisfaction and customers’ views about the quality of service given. These questions investigated the progressiveness and the company’s level of engagement with the community. In the later half of the 1960s, the commencement of studies about the product quality emerged as the second stage of customer satisfaction measurement. A satisfaction index resulted from the adequacy-importance model which served as the cardinal means of measurement of the customer satisfaction, and played an important role in defining the attitudes of the customers. A revolution in the customer satisfaction measurement occurred in the 1980s when the American aut omobile business increased manifolds in competition and many syndicated studies were made. The measurement of customer satisfaction in the contemporary age is quite similar to the trend introduced in the 1980s. The businesses turned to customer satisfaction as a measurement of their quality of service rather and the process of assessment became more intangible. The Gaps Model of Service Quality: Parasuraman, Berry and Zeithaml (1985) formed a research group to measure the customer satisfaction using the Gaps Model of Service Quality. The Gaps Model made a totally new approach to the measurement of customer satisfaction by determining the gaps between the expectations of customers and their views regarding the quality of service. In this model, customers establish their expectations, as well as the lowest quality of service that would be acceptable to them. Then once the service has been delivered, the customer explains how he thinks about the quality of service he/she was delivered. The equation, thus, goes as follows: Perceived service quality – expected service quality = gap in service quality. According to Hernon and Nitecki (2001), there are four basic perspectives that define the quality of service namely, excellence, value, compliance with specifications, and achievement of expectations. It is the fourth perspective

Cloud Computing Service Models Assignment Example | Topics and Well Written Essays - 2750 words

Cloud Computing Service Models - Assignment Example Likewise, the services provided over the Internet are referred as (Software as a Service) ‘SaaS’. There are few sellers who use the term (Infrastructure as a service) ‘IaaS’ and (Platform as a service) ‘PaaS’ in order to demonstrate their products and services. However, these terms are avoided and not accepted globally, due to variation. The Commerce Department’s National Institute of Standards and Technology (NIST) have illustrated some helpful definitions that focus on three concepts (Reese 2009): Cloud infrastructure as a service ‘IaaS’ consists of provisioning elementary computing resources. Cloud software as a service ‘SaaS’ access software application that operates on a cloud infrastructure. Cloud platform as a service (PaaS) provides the accessibility to users for implementing and developing applications with programming language and tools supported by the providers. The core components of a cloud consist of the data center hardware and software. When these resources are publicly available, they are referred as public clouds and the service provided by the cloud is called as utility computing. Moreover, private clouds are only available to private organizations and are not accessible by the public. Accordingly, cloud computing is the combination of ‘SaaS’ and utility computing (ARMBRUST, FOX et al. 2010). There are three service models for cloud computing i.e. infrastructure as a service, platform as a service and software as a service (Wilshusen 2011). Infrastructure as a service (IaaS) is comprised of three components i.e. software, platform and infrastructure. Organizations only provide software and platform and infrastructure is provided by a third party cloud computing vendor. The second service models i.e. platform as a service (PaaS) also comprises of three components i.e. software, platform and infrastructure. Organizations only provide a software or application that will be executed on the third party or the vendor’s platform and infrastructure. The third service model also includes the similar three components as mentioned before and called as software as a service (SaaS). Organizations only utilize the services provided by the vendors in terms of applications that can be accessed by the Internet. All the three components i.e. software, platform and infrastructure are the property of the vendor (Wilshusen 2011). In figure 1.1, cloud deployment models are demonstrated Figure 1.1 (Retreived from :Wilshusen, G. C. (2011). INFORMATION SECURITY: Additional guidance needed to address cloud computing concerns. GAO Reports, , 1.) Cloud computing four service models are shown in Fig 1.2 Figure 1.2 (Retreived from :Wilshusen, G. C. (2011). INFORMATION SECURITY: Additional guidance needed to address cloud computing concerns. GAO Reports, , 1.) ‘Business Cloud’ must choose the relevant client model, as it will be proportional to t he business or customer requirements and may differ from organization to organization and business types. The first service model is called as the ‘Private Cloud’. A private cloud is solely a property of the organization i.e. software, platform and infrastructure is the property of the organization (Wilshusen 2011). The second service model is called as the community cloud that is accessible to several organizations that may be

Teaching in clinical practice Essay Example | Topics and Well Written Essays - 2500 words

Teaching in clinical practice - Essay Example As far as nursing practice is concerned, reflection is a process by which one focuses on the interaction between oneself and the environment, including colleagues, in a particular situation, with intentions to examine and evaluate the interactions. â€Å"Reflection gives scope for better understanding of oneself so that existing strengths can be used to build-up for future actions" (Somerville and Keeling, 2004). While reflection is the key to successful learning process, current literature plays a major role in these developments. Through updated journals and texts, present studies by critics and writers, we are able to meet the goals for the improvement of analytical thinking skills such as being able to identify problems that might arise, being aware to new or different ideas, and anticipating the consequences of one’s actions. According to Brandon and All (2010), many nurse educators continue teaching the way they have been doing, despite the need for reforms. However, pe dogogical research has indicated the need for change in nursing curricula. The emphasis is to shift from traditional courses to concept-based courses which com across across clinical settings. In order to accomplish such a useful change, it is very important for the nurse teacher to understand the role of "the rapidly advancing profession" (Hamner and Wilder, 2001; cited in (Brandon and All, 2010). In using reflection as a tool for the development of the professional nursing practice, a plan can be designed to meet the goals of the reflective activity by recording thoughts, observations, feelings, activities and questions (Burns and Grove, 1997). Through this, the effective practitioner can be challenged to think in new ways, raise new questions and explore new ways of problem-solving. Thus reflection is key for successful learning outcomes and literature plays a major role in such developments. In this essay, reflection on the methods, strategies and outcomes of teaching students a bout drug administration will be done with reference to current literature. Reflection and critical analysis Gibbs Model of Reflection will be used for evaluation and examination of the teaching methods and outcomes because the framework is straight forward and includes a cycle of clear description of the clinical situation, analysis of the feelings of the practitioner, evaluation of the actions during the situation, analysis of the various activities and experiences during the situation and a conclusion for lessons in future (Online learning, 2006). Description of the teaching process Student nurses were taught about administration of drugs in nursing practice. The aims of the teaching session was to enhance the knowledge of the student about the safe drug administration. The objectives and learning outcomes of the teaching session were: 1. To know the common causes of medication errors 2. To know the right method of administration of medication 3. To know the different routes of a dministration of medication and nursing considerations pertaining to those routes. 4. To know the importance of understanding the reason prior to dispensing the medication. 5. To know strategies to assure proper, clear, concise and easily understood methods of documentation of drug administration. 6. To be aware of patient safety goals. Procedural instruction in the teaching sess

Different kinds of festivals Essay Example for Free

Different kinds of festivals Essay In a year we have celebrated different kinds of festivals.Sometimes,we do celebrate festivals following our religion.Different religions have different festivals to celebrate.Festival are celebrated in a grand way and gives much joy. The same thing goes for me.I am a Hindu and I celebrate many festivals.The best festival I have ever experienced is Deepavali.Deepavali comes on the month of November and it is usually on the second week of the month.Deepavali is known as the festival of lights for the Hindus. Last year,my family and I celebrated Deepavali at our grandparent’s house.After we woke up,we had to take an oil bath which was massaged from the head down to our toes.Then, we wore our new traditional clothes,dhoti and sari.We got ready to go to the temple near the house. The priest in the temple made a special offering and prayers to the God on this special day. After prayers in the temple,we went back home.A fe w minutes later,my relatives and neighbours came to our house.My grandmother served them with scrumptious traditional food.For instance,murukku,vadai,and tose.They really enjoyed their food and they said it was very tasty. Before the guest left the house,my grandfather gave them â€Å"ang pows†.I was really shocked because throughout I know only Chinese gave â€Å"ang pows† during their festival,Chinese New Year but I never knew that Indiansdid that too. Then, it was time to take our lunch.My father prepared some banana leaves to use as plates.It had really a different taste when eating from a banana leaf.It really potraits a traditional style. In the evening,we packed our things to get ready to go back home.We really missed our grandparents because they were the only ones who celebrated Deepavali in a special way. Among all the Hindu festival,I think the last Deepavali was the best festival I had ever experienced.I like the way they celebrate the festival with lighting up lights around their house.It shows that our life always brightens with ha