Proposal Design Essay Example | Topics and Well Written Essays - 750 words

Proposition Design - Essay Example The cases of the watched lead issue (assuming any) will be recorded. In spite of the necessities of the standard logical examinations, this sort of exploration doesn’t require any benchmark group. Therefore, the vast majority of the test plans will scarcely fit in this examination. The most fitting test structure for this sort of study would be immediate perception, since the side effects of the direct issue are discernible (Kenneth and Bruce, 2014). The perception technique underpins the utilization of between-subjects research plan. In this examination, the objective populace is made out of the patients who experienced direct issue treatment, either through the gathering or home treatment strategies. Because of the idea of the objective populace, every part ought to be given an equivalent chance of shaping the example gathering. This is on the grounds that the medicines that every one of the individuals experienced were comparative. In this exploration along these lines, the testing method will be straightforward irregular examining. This procedure will give every one of the individuals equivalent odds of being chosen to frame the example gathering. The example size will be comprised of 30 members, in an equivalent number, over the two treatment techniques. 15 members will be arbitrarily chosen to as delegates, contingent upon the strategy for lead issue they were exposed to. The idea of this investigation is similar in nature (Thorndike and E. L. 1913). Consequently, instead of the standard logical investigates, this examination would not require parting the example bunch into control and exploratory gatherings (Lacort and M. O, 2014).â . The investigation thinks about the viability of the home and gathering medicines for the treatment of lead issue. Consequently, in this investigation, the perceptions will be made on the people rewarded under every classification of treatment. The adequacy of every treatment choice will be controlled by considering the quantity of

Manifest Destiny Free Essays

â€Å"Manifest Destiny† is an expression to portray the eventual fate of the United States that impressively affected U.S. international strategy during the 1840s and 1850s. We will compose a custom paper test on Show Destiny or on the other hand any comparative subject just for you Request Now It was begat by John O’Sullivan in the article in Democratic Review in 1845 where he expounded on â€Å"†manifest predetermination to overspread the continent† (Wikipedia, 2006). This expression depicted the expansionist international strategy principle that helped America arrive at its current limits. The fundamental thought of the principle was that the United States with its fair framework was from numerous points of view better than different countries. In this manner, it was ethically obliged to extend so as to carry majority rules system and progress to new grounds around. The prudence of the American country, its boss capacities at advancement, and the mission to create other neighboring pieces of the mainland framed the ideological reason for Manifest Destiny. Simultaneously, this belief system served various pragmatic ramifications that were pertinent to the US international strategy during the 1840s and 1850s. Accordingly, it underlay the arrangement of continentalism that justified the extension on the American mainland meaning to make America stretch â€Å"from ocean to sparkling sea†. For instance, it assumed a job in the Oregon question with Great Britain in which President Polk chose in 1844 from the start consented to partition the state at the 49th equal, however then a crusade started, guaranteeing all Oregon to have a place with the United States. In the relations with Mexico, the topic of Manifest Destiny was considerably increasingly conspicuous. The choice of the Republic of Texas in 1836 to isolate from Mexico and solicitation section to the United States was taken by numerous individuals as proof that the Untied States is for sure bound to â€Å"assemble† every single neighboring region. In spite of the fact that the Mexican-American War that began in 1846 was not effective in bringing all of Mexico under American guideline, it all things considered included California and New Mexico. For two decades, America stayed focused on satisfying its Manifest Destiny †adding different regions and bringing them as states into the association. Reference Wikipedia. Show Destiny. http://en.wikipedia.org/wiki/Manifest_Destiny (got to August 22, 2006) Instructions to refer to Manifest Destiny, Essay models Show fate Free Essays Show is a view that gives proof on the historical backdrop of America whose limits changed and made a country. Show fate has no ordered periods since it is a way of thinking that was and still exists. This expression endeavors to clarify the regional extensions of America and its case to new regions. We will compose a custom paper test on Show fate or on the other hand any comparative theme just for you Request Now Reason for extension The revitalizing weep for development was advertised and contended all through the country. The precept was consumed and this was a beginning of the development affected by Editor John L. Oa sullivan. (Jones Donald 1997) In 1818, Andrew Jackson who was the seventh leader of the United States drove military powers during the Florida emergency rebuffing the fundamental Indians and caught a few urban areas. The thinking and good protections of most Americans about their pioneer Jackson, made their still, small voice to push to development of the American region. . http://www.let.rug.nl/~usa/E/show/manif1.htm Another reason was that the individuals the Deep South practiced their privilege in catching rich land. This was on the grounds that Americans had been introduced with the conviction that they could possess any land which they needed. The show predetermination term had an implying that US fate included imperialistic development and a need and need to investigate new grounds and outskirts. (Jones Donald 1997) There was the possibility that America ought to have been the force to be reckoned with and this become solid after the Spanish American war. The assembled expressed had a solid conviction that it would catch the limits to North America. (Shenk, 2004) (Jones Donald 1997) Technique for extension With the requirement for fruitful land Americans moved to Florida and in the Deep South, the grower class thus took land and began setting and planting. This was an egotistical move into the Florida regions since they didn't look for political endorsement or authorization. The thought is as old as America and the way of thinking went over the Atlantic to homesteader and finished in the Plymouth Rock with the explorers. This way of thinking additionally spread during the Great Awakening with fire and brimstone evangelists. In the spread of show fate thoughts Roosevelt, Harrison and Captain Mahan were expansionists who pushed for the production of America however these thoughts were contradicted by Grover Cleveland, Andrew Carnegie and Mark Twain. http://www.let.rug.nl/~usa/E/show/manif1.htm As new regions were framed, the development additionally included broadening the establishment of subjection since in this manner was a focal issue of America as a missiona. John Quincy Adams organized the 1818 bargain, which settled standing limits of the US and UK toward the west of Rocky Mountains with joint control of the Oregon nation. He additionally bought Florida from Spain stretching out the outskirt to the Pacific Ocean. (Jarnow, 2005) The U.S government needed to grow in toward the west and this would mean the legitimate procedures of buying of Native America land in settlements. The development toward the west was a triumph since the strategy which was detailed by Henry Knox had the arrangement for such an extension. (Jones Donald 1997) In the 1896 political decision, republicans recovered the white house for a long time and this advanced abroad extension on the North American mainland. This happened because of the Guano islands act, Spanish American war and arrangement of Berlin among others. The United States obtained Guam, Puerto Rico and Philippines Island as provinces instead of as states. (Jarnow, 2005 ). http://www.let.rug.nl/~usa/E/show/manif1.htm Cost of extension Because of the development there were a few wars, for example, the war on Mexico in 1846. The forceful demonstration with the war caused the American common war. The Spanish America war made lawmakers add every single Spanish region. John Quincy Adams gave an admonition through the Monroe teaching which he detailed. This tenet cautioned against the European colonization of the western half of the globe which incorporates London, England and the United Kingdom. Quiet and savage endeavors were seen in the American Revolution with an objective of remembering Canada for the US. http://www.let.rug.nl/~usa/E/show/manif1.htm Consequence of development The war came about in to a success of the southwestern United States. With the vanquishing of new grounds and fringes, good, social, social and monetary contrasts started to show themselves among individuals, states and nations included. The development through fine and brimstones evangelist prompted working of the primary national street. (Michael, 1997) Further more with the extension from 1815 to 1860; the United States had extended to the Pacific Ocean and fills in as mainland fringes in the United States today. With the Anglo American show of 1818, a great many Americans moved over the Oregon Trail. The British dismissed a proposition in which John Tyler needed to have forty nine equal limits in the district. The British required a limit line further south along the Columbia River. There were various sentiments that discovered upheld of Manifest predetermination requiring the addition of Oregon nation. The democrats were for the possibility of addition of all Oregon at the hour of presidential appointment of James K. Polk. Polk who was a presidential applicant offered to separate the region to 49 equal limits. In the mean time the disagreement about the division of the locale was at last settled with the Oregon bargain of 1846.( shenk,2004)(Richard 1991) . http://www.let.rug.nl/~usa/E/show/manif1.htm At the point when the sovereign state in the republic of Texas announced freedom from Mexico in 1836, and joined the unified expressed as another state. Addition of all Mexico implied stretching out the United States citizenship to Mexicans. The Mexican cession saw the expansion of the Alta California and Nuevo Mexico regions to the United States. The American war of freedom was a common war that included the realm of Great Britain and North American provinces. (McCartney 1992) (Salzman, 1986) European wars prompted American Revolution and a mainland armed force. The west ward development made a 4000 mile fringe between the United States and Canada which additionally servers as the most tranquil limit on the planet. (Jarnow, 2005), (Richard, 1991), (Feldman, 2004) The Pacific Northwest was an extension because of an American John Jacob Astron who opened an exchanging post named Astoria at the mouth of the Columbia River. The Louisiana Purchase was the obtaining of 828,000 assistant miles of French domain by the United States of America. This buy included 15 U.S states and 2 Canadian regions Oklahoma Panhandle and south western parts of Kansas and Louisiana were still asserted by Spain and there were grumbles that it was unlawful. Accordingly Jefferson bought Louisiana since France and Spain needed to have capacity to square American exchange access to the port of New Orleans. (Michael, 1997) (Feldman, 2004) The extension and settlement in the western regions offered opportunity to boundless land. With the soul of show fate Americans settled, planted and did cultivating exercises in the Indian land. Show fate was the purpose behind regional extension and settlement in tremendous tracks of land that were meagerly populated. Show predetermination made American history and is likewise liable for its autonomy and extension. (Fearful, 2003) End The occasions that happened during the late and mid eighteenth hundreds of years in United States got division American governmental issues. This was es

Verbal Exam Questions Essay Example for Free

Verbal Exam Questions Essay 1. What is implied by the term â€Å"fear of failure†? That is, the thing that does it intend to you by and by and expertly. Dread of disappointment implies fearing following what you need since you probably won't have the option to get it. Individuals who experience this accepts it is alright to not accomplish their fantasies as long as they don't see themselves fizzle. Numerous individuals like to avoid any and all risks and don't care to escape their wellbeing zones since they would prefer not to be baffled or they don't care for changes to occur in their lives. 2. Depict a past involvement in dread of disappointment. It would be ideal if you clarify. Previously, I got a few opportunities of running for a situation in the school body however I was too apprehensive that I would not be chosen or work superbly. This caused me to conclude that it would be better for me not to run for a position and simply make the most of my time as a customary understudy yet dynamic with other school exercises. The drawback of this is I didn't get the chance to understanding and do what I needed to do. 3. As a rule do fears influence worker execution at work and manager associations with individual representatives? Additionally, relate this to yourself as the chief in the situation and Marcus. How do fears influence you and Marcus? Being apprehensive affects representative execution, just as the connections of managers and workers since certain individuals probably won't comprehend this dread certain workers or bosses understanding. As a chief to Marcus, I imagine that I dislike how he carries on with regards to changes. Changes are significant, particularly when this would carry more cash to the organization and all businesses do need their organizations to succeed. This sort of conduct would make clashes among Marcus and I. 4. This is a key inquiry. Is flopping OK? Shouldn't something be said about errors? What is picked up? What is lost? In opposition to what numerous individuals think, falling flat is in reality OK since this is when individuals gain from the experience. Without disappointments, individuals would not have the option to acknowledge what they are able to do. It is significant that individuals recollect that they are permitted to commit errors since they are not great. No one is great and committing errors is just ordinary. They lose just when they surrender and not attempt. Disappointment can make individuals humble and would make them need to accomplish more and improve later on. 5. Would you be able to utilize your own feelings of dread to further your potential benefit? How might you be utilized by your feelings of trepidation? Relate the exercises you have figured out how to you in the situation and how you would approach Marcus. Relate this to yourself as the administrator. Fears can be utilized to ones bit of leeway when an individual accepts that feelings of trepidation will create positive results regardless. Defeating fears will give individuals the experience regardless of whether they come up short. In any case, when individuals let their feelings of dread use them and show signs of improvement from them, they will be restricted and would have no beneficial experience from life. 6. How might you urge your workers to lessen their dread about creation mix-ups, and coming up short? How might you tell a representative so he comprehends and trusts you? Be explicit and reasonable in your answer. It is in every case great to have an open correspondence with everybody, particularly representatives. It would particularly be valuable if administrators and businesses would urge their kin to overcome their feelings of trepidation and guarantee them that committing errors are typical. I would relate a past encounter about my dread of disappointment and how I conquered it to move them to do likewise. 7. What is the anecdote about? If it's not too much trouble sum up it. For what reason did you pick the point? What settles on you feel keen on the decision of the point? The story is about an administrator and his worker named Marcus and exhibits how Marcus fears change. In spite of the fact that Marcus was an awesome representative and plays out his activity in an exceptionally good manner, the supervisor understands that he doesn't do well with regards to applying changes. He would regularly rationalize just to escape the circumstance, and the director feels that he ought to take care of business. I picked this specific point since I have confidence in the significance of conquering ones feelings of trepidation, particularly in the working environment. Being worried is a typical human encounter yet individuals ought not let this inclination constrain them on the things that the ought to encounter since they may be passing up something extraordinary like a

IN the poem Theodore Roethe's My Papa's Waltz Choose a significant Essay

IN the sonnet Theodore Roethe's My Papa's Waltz Choose a critical word and discover 3 distinct definitions and relate their utilizations back to the sonnet - Essay Example In any case, the word ‘beat’ utilized in the fourth verse stands apart to me as especially important. This word includes a few recorded implications inside the American Heritage Dictionary. The three that appear to be especially pertinent partner this word with the idea of viciousness, the idea of music and the idea of fatigue. The American Heritage Dictionary offers as its first meaning of the word ‘beat’ as â€Å"to strike over and again; to expose to rehashed beatings or physical maltreatment, player; to rebuff by hitting or whipping, flog† (2003). This definition appears to mix the sonnet with a hint of brutality that is strengthened by different words that have this equivalent significance. These incorporate the thoughts of ‘battered’ that is utilized both in the above definition just as in Roethke’s third refrain as he shows the battered state of his father’s hand. This condition shows that the man is acclimated with battling and brutality and has practically no hesitance to utilize this equivalent power inside the home as the little kid is scratched against the father’s belt clasp, another picture for some offspring of viciousness as the belt was frequently utilized as an immediate methods for discipline for little fellows who disrupted the norms. The possibility of viciousness recommended by the meaning of the word ‘beat’ is additionally found in the principal verse when the speaker admits that he thought that it was important to hold tight â€Å"like death† (3) so as to keep away from injury during these wild moves he imparted to his dad. The second importance of the word ‘beat’ offered by the American Heritage Dictionary is centered around the idea of sound. In particular, this importance is characterized as â€Å"to strike to create music or a sign; to check or tally (time or mood), particularly with the hands or with a baton† (2003). This is by all accounts the proposed significance of the word as it is utilized in the undeniable setting of the sonnet as the speaker

Diary of Boo Radley Essay Essay Example

Journal of Boo Radley Essay Example Journal of Boo Radley Essay Paper Journal of Boo Radley Essay Paper Pretend you are Boo Radley ( from To Kill a Mocking Bird ) . Compose your mystery journal section about how you have been rebuffed and kept in a functional jail for 15 mature ages. It has been so truly since a long time ago my male parent principal secured me up this house. I mean. I was simply an immature holding cheerfulness. I did non make anything genuine or anything. From the outset. after a pair of yearss punishment. it figured I would be in the long run liberated by male parent. After a team of hebdomads. I understood that it appeared I would neer be let out. I was right as the hebdomads transformed into months. I saw how primitive my male parent was and that my punishment would last everlastingly. After a twelvemonth or two. my male parent passed on. I was allowed to travel outside into the world-well I could hold got away from detainment in the event that I genuinely needed to. be that as it may, I did non wish to. My male parent left me sincerely harmed and embarrassed about myself. what's more, I did non and I do non want to demo myself in the existent universe after such an extensive stretch of clasp. Once Nathan showed up. things were only equivalent to how they used to be with my male parent. Bing secured up this stodgy house permits me a bunch of clasp to myself. I get the opportunity to peruse the neighborhood papers-one of the solitary ‘luxuries’ I am permitted to hold and think about a group of things and contemplate over them every one of the twenty-four hours in length. I consider how individuals are gaining along in Maycomb as I see them walk rather energetically in forepart of our home and I consider my male parent and what he did to me. I am typically in a sensibly decent temper every one of the twenty-four hours in length. in any case, when my male parent rings a bell or Nathan strolls past. choler and disdain crestless waves up inside me. I other than involve my thoughts by thinking back that great occasions I had when I was a pre-adult. be that as it may, other than view them with profound distress. be that as it may, I primarily consider about the two youthful Finchs who live after door†¦ Regular. I gaze through the shades down through the road boss road of Maycomb. I see kids playing and lounge watching them holding and upbeat and chipper clasp. I have perpetually kept my oculus on our two neighbors-Jem and his sister. Post. They play in their pace and in the road. obviously holding an incredible clasp. what's more, similar to every other child their age. keep up off from our home. I think they trust it is spooky. by my shade or some obscenity like that. It entertains me however adjacent to makes me pitiful that I could be such a large amount of a hazard to these exquisite children. also, I do wish my life could be each piece cheerful as theirs. In spite of their dismays of me. Jem and Scout even attempted to hold an articulation inside this house one an opportunity to procure a look of me what's more attempted to pass on with me on a few events. I have attempted pass oning with Jem and Scout. by go forthing them a bangle or two in the bunch gap of one of the unrecorded oaks out the forepart of our home at dull clasp. After some clasp. the children started to pick up it was me go forthing the astonishments in the tree. what's more, they chose to form me a little note. Nathan found the note. understood my solitary start of speaking with the outside universe and filled the bunch gap with concrete. I am only permitted to travel outside at dim under Nathan’s directing. In some cases. Nathan does non even trouble investigating me on my evening time wanders since he realizes I will be back. I am unreasonably joined to this house and life inside. I don’t need to be discharged into a universe that is too much bravo. as my male parent used to state.

Best Public Service Annoucement Scholarship Video Contest COLUMBIA UNIVERSITY - SIPA Admissions Blog

Best Public Service Annoucement Scholarship Video Contest COLUMBIA UNIVERSITY - SIPA Admissions Blog A graduate of Columbia College who works for the company below passed along an opportunity to earn a scholarship for a video related to public service.   I confirmed that it is open to graduate students.   If you decide to enter, feel free to share your video with the Admissions Office as well.   Simply email us a link to your YouTube video. ___________________________ Indigo Productions Scholarship $1,000 scholarship award for best video  Public Service Announcement Indigo Productions, a New York City video production company, invites Columbia students to compete in a scholarship contest which will be awarded to the student or group of students who create the most original and effective video PSA (Public Service Announcement). First prize: $1,000 Second prize: $500 Deadline: September 15, 2010 Eligibility: Contestants must be students attending an accredited college or university in the continental U.S. at any point during 2010. Length: Video can be up to 2 minutes long Subject matter: Any health or safety issue that is of importance to the public (e.g. obesity, addictions, STDs, school bullying). “We are looking for edgy and original approaches that capture people’s imagination,” says Max Rosen, President and Founder of Indigo Productions (CC ‘84) To enter, simply upload your finished PSA video to YouTube and fill out the form below. All videos will be judged by a panel of professionals selected by Indigo based on 5 criteria: Concept, Creativity, Execution, Artistic merit, and Viral potential.   The winning student or group will be announced on October 15, 2010. To apply for the scholarship, please visit: http://www.indigoprod.com/VideoProductionScholarship For information about Indigo’s Viral Video Production Workshop at New York University, please visit: http://www.indigoprod.com/ViralVideoWorkshop Classes run 4 consecutive Sunday’s starting September 26th.

Major Criteria on Evaluating Performance of Health Centres - 1650 Words

Patient Satisfaction One Major Criteria on Evaluating Performance of Health Centres (Essay Sample) Content: Patient Satisfaction One Major Criteria on Evaluating Performance of Health CentresNameProgramInstitution/ UniversityName of Faculty AdvisorProject timelineIntroductionThe research conducted by the Medical Group Association (MGMA), in 2013, generated a report from their findings indicating that almost 80 percent of the healthcare practices that are considered as "better performing" was due to the patient satisfaction surveys. The top rated healthcare providers rated as best and high performers studied their patients and carried out the surveys more frequently as compared to other practices. Patient surveys do not just improve the communication and performance with the patients. Customer satisfaction measures have in the past years been used by the government and other companies to assess their performance. The use of patient surveys in any institution can help in the preparation of meeting the future and unpredictable patientà ¢Ã¢â€š ¬s satisfaction requirements. Mea suring and reporting on the patient satisfaction with health care have become a significant industry. Patient satisfaction measures have been taken into much consideration such that each and every hospital and health plan quality find it mandatory to include it in their reports. The trend has resulted in the rise of armies of consultants who make a living by selling software packages to healthcare providers. The healthcare providers that purchase the software packages can monitor their customersà ¢Ã¢â€š ¬ reactions by modem, fax, and telephone. It goes without saying that healthcare administrators in different healthcare institutions usually have reams of patient satisfaction report at their desk that they must go through. The much workload and effort that comes with the need to know the patientsà ¢Ã¢â€š ¬ reaction so as to meet their requirements raises the question of whether patient satisfaction is worth measuring. Another vital issue is whether the people that collect the repo rts and analyse the results know how to use the data. The question of how the survey or how can patient satisfaction be evaluated is necessary to ensure a successful healthcare performance.[Rosenthal GE, Harper DL. Cleveland health quality choice: a model for collaborative community-based outcomes assessment. Joint Comm J Qual Improv. 1994;20(8):425à ¢Ã¢â€š ¬42.] The question of whether patient satisfaction is worth measuring depends on the person asked. The question can either be directed to the marketing specialists, consumer advocates, and the proponents of patient-centred care. However, the same question can be channelled to the sceptics who believe that focusing of the patient satisfaction deters attention from what ought to be of the principal of concerns in an era of resource constraints, improper care and clinical outcomes such as morbidity, mortality and health status. The collection of data on a patient is much easier to acquire as compared to the measure of technical qua lity. Therefore, many healthcare organizations have succumbed to the temptation to stop there. The primary goal in medicine is helping patients achieve their objectives. However, the patientsà ¢Ã¢â€š ¬ goals vary, and are not predictable due to the demographic and disease factors, and are subject to change; this makes it difficult in determining what the patientsà ¢Ã¢â€š ¬ desire and their requirement. In order curb the challenge of the varying patient needs, it is necessary to question the individual patients on what their needs are and whether their needs are satisfied. The perspective of questioning the patients is considered an ethical and professional imperative. Medical groups, health plans, individual clinicians and hospitals have their reason for conducting patient satisfaction surveys. Patient satisfaction usually raises many arguments on whether patient satisfaction is necessary and whether satisfaction can be measured reproducibly concerning the place of patient ratings and catalogue of healthcare outcomes reports.[Spoeri RK, Ullman R. Measuring and reporting managed care performance: lessons learned and new initiatives. Ann Intern Med. 1997;127(8 pt 2):726à ¢Ã¢â€š ¬32.] Many critical measurement issues would have to be addressed if patient satisfaction were to take place alongside mortality, functional status, and morbidity. First, there need to be an explicit and detailed understanding of what the scale developers and end-users are measuring. Patientsà ¢Ã¢â€š ¬ satisfaction is considered as a distillation of perceptions and values rather than a unique concept. The patientsà ¢Ã¢â€š ¬ beliefs about occurrences are what is referred to as perception while values are the weights that the individual patients apply to those events. Values indicated the degree to which patients consider the different circumstances that they undergo through as either desirable, expected or necessary.The rising need to acquire patient satisfaction report has led to the emergence of hybrid questions that aid in the assessment of the patientsà ¢Ã¢â€š ¬ perception and values concurrently. An example of such questions, "How satisfied were you today with the amount of time that you spent with the doctor?" Any patient asked this issue would have first to make an estimation of the quantity of time they spent with the doctor before giving an answer. Secondly the patient would also have to compare the total time spent with the physician with an internal standard before making the final judgement. Despite the fact that such hybrid question has the virtue of linguistic economy they make it difficult to differentiate between values and perceptions. Patients that either receives inadequate care but low standards and those that receive excellent care and high standards may report the same satisfaction.Although dividing patient satisfaction into various parts has its advantages, numerous research articles view satisfaction as a black box that helps in the pre diction of particular outcomes and is in turn predicted by certain antecedents. New relationships can be created or revealed once the black box is opened. A report by Zemencuk on a survey involving 652 patients and 105 physicians in four key care sites in Michigan and Ontario. The study involved asking patients about their desires individually and their expectation. According to the survey, a patientsà ¢Ã¢â€š ¬ desire is want they want while a patientà ¢Ã¢â€š ¬s expectations is what they anticipate occurring in the future. The results of the research specified that there were no significant differences in the desires of the patientsà ¢Ã¢â€š ¬ cross-world. However, the American patients as compared to the Canadian patients were more likely to claim that their expectations and desires are either, prostrate-specific antigen, mammography, rectal examinations or cholesterol testing. A conclusion from the report is that the differences in the desires were either influenced by either the cultural factors or priming by the experience of the individuals.[Patrick DL, Scrivens E, Charlton JRH. Disability and patient satisfaction with medical care. Med Care. 1983;21:1062à ¢Ã¢â€š ¬75.] The second important issue and question to ensure patient satisfaction is whether the data analysts or the people that collect and analyse the data knows how to use the data. It, therefore, leads to the concern of finding out the relation between the patient satisfaction, health outcomes and the process of care. Over the past patient satisfaction in medical care has been considered to reflect the satisfaction of how the care is delivered and the outcomes of the care. For instance, a patient undergoing surgery may be highly satisfied with the attentiveness if the surgical staff but, on the other hand, disappointed with his rate of recovery. However, several studies have it that health status rather than the degree of improvement in health status are most likely to have influence on the satisfaction of the patient. According to , a study was carried out to estimate the impact of health status on an intrinsic characteristic and health status as a result of care. The research involved 455 elderly patients discharged from University Hospitals of Cleveland, Convinsky and colleagues. The outcomes of the study point to that the short-term improvement in health status was in no way connected with higher satisfaction after controlling for health status at discharge. The conclusion drawn from the findings was that there exists a tendency for recovered patients to record greater satisfaction rather than for patients whose health has improved due to medical care to report greater satisfaction.[4 Patrick DL, Scrivens E, Charlton JRH. Disability and patient satisfaction with medical care. Med Care. 1983;21:1062à ¢Ã¢â€š ¬75.] The third measurement issue concerns whether to adjust for patient characteristics that influence achievement when comparing health care providers. The ma jority of the managed care organisation tend to put more effort on patient satisfaction so as to increase their bonus payments. Critics argue that adjusting away variable dooms it to irrelevance while proponents say that the criterion is a way of levelling of the play field. The purpose of the measurement determines whether or not to apply or adjust. If the measurement was carried out f... Major Criteria on Evaluating Performance of Health Centres - 1650 Words Patient Satisfaction One Major Criteria on Evaluating Performance of Health Centres (Essay Sample) Content: Patient Satisfaction One Major Criteria on Evaluating Performance of Health CentresNameProgramInstitution/ UniversityName of Faculty AdvisorProject timelineIntroductionThe research conducted by the Medical Group Association (MGMA), in 2013, generated a report from their findings indicating that almost 80 percent of the healthcare practices that are considered as "better performing" was due to the patient satisfaction surveys. The top rated healthcare providers rated as best and high performers studied their patients and carried out the surveys more frequently as compared to other practices. Patient surveys do not just improve the communication and performance with the patients. Customer satisfaction measures have in the past years been used by the government and other companies to assess their performance. The use of patient surveys in any institution can help in the preparation of meeting the future and unpredictable patientà ¢Ã¢â€š ¬s satisfaction requirements. Mea suring and reporting on the patient satisfaction with health care have become a significant industry. Patient satisfaction measures have been taken into much consideration such that each and every hospital and health plan quality find it mandatory to include it in their reports. The trend has resulted in the rise of armies of consultants who make a living by selling software packages to healthcare providers. The healthcare providers that purchase the software packages can monitor their customersà ¢Ã¢â€š ¬ reactions by modem, fax, and telephone. It goes without saying that healthcare administrators in different healthcare institutions usually have reams of patient satisfaction report at their desk that they must go through. The much workload and effort that comes with the need to know the patientsà ¢Ã¢â€š ¬ reaction so as to meet their requirements raises the question of whether patient satisfaction is worth measuring. Another vital issue is whether the people that collect the repo rts and analyse the results know how to use the data. The question of how the survey or how can patient satisfaction be evaluated is necessary to ensure a successful healthcare performance.[Rosenthal GE, Harper DL. Cleveland health quality choice: a model for collaborative community-based outcomes assessment. Joint Comm J Qual Improv. 1994;20(8):425à ¢Ã¢â€š ¬42.] The question of whether patient satisfaction is worth measuring depends on the person asked. The question can either be directed to the marketing specialists, consumer advocates, and the proponents of patient-centred care. However, the same question can be channelled to the sceptics who believe that focusing of the patient satisfaction deters attention from what ought to be of the principal of concerns in an era of resource constraints, improper care and clinical outcomes such as morbidity, mortality and health status. The collection of data on a patient is much easier to acquire as compared to the measure of technical qua lity. Therefore, many healthcare organizations have succumbed to the temptation to stop there. The primary goal in medicine is helping patients achieve their objectives. However, the patientsà ¢Ã¢â€š ¬ goals vary, and are not predictable due to the demographic and disease factors, and are subject to change; this makes it difficult in determining what the patientsà ¢Ã¢â€š ¬ desire and their requirement. In order curb the challenge of the varying patient needs, it is necessary to question the individual patients on what their needs are and whether their needs are satisfied. The perspective of questioning the patients is considered an ethical and professional imperative. Medical groups, health plans, individual clinicians and hospitals have their reason for conducting patient satisfaction surveys. Patient satisfaction usually raises many arguments on whether patient satisfaction is necessary and whether satisfaction can be measured reproducibly concerning the place of patient ratings and catalogue of healthcare outcomes reports.[Spoeri RK, Ullman R. Measuring and reporting managed care performance: lessons learned and new initiatives. Ann Intern Med. 1997;127(8 pt 2):726à ¢Ã¢â€š ¬32.] Many critical measurement issues would have to be addressed if patient satisfaction were to take place alongside mortality, functional status, and morbidity. First, there need to be an explicit and detailed understanding of what the scale developers and end-users are measuring. Patientsà ¢Ã¢â€š ¬ satisfaction is considered as a distillation of perceptions and values rather than a unique concept. The patientsà ¢Ã¢â€š ¬ beliefs about occurrences are what is referred to as perception while values are the weights that the individual patients apply to those events. Values indicated the degree to which patients consider the different circumstances that they undergo through as either desirable, expected or necessary.The rising need to acquire patient satisfaction report has led to the emergence of hybrid questions that aid in the assessment of the patientsà ¢Ã¢â€š ¬ perception and values concurrently. An example of such questions, "How satisfied were you today with the amount of time that you spent with the doctor?" Any patient asked this issue would have first to make an estimation of the quantity of time they spent with the doctor before giving an answer. Secondly the patient would also have to compare the total time spent with the physician with an internal standard before making the final judgement. Despite the fact that such hybrid question has the virtue of linguistic economy they make it difficult to differentiate between values and perceptions. Patients that either receives inadequate care but low standards and those that receive excellent care and high standards may report the same satisfaction.Although dividing patient satisfaction into various parts has its advantages, numerous research articles view satisfaction as a black box that helps in the pre diction of particular outcomes and is in turn predicted by certain antecedents. New relationships can be created or revealed once the black box is opened. A report by Zemencuk on a survey involving 652 patients and 105 physicians in four key care sites in Michigan and Ontario. The study involved asking patients about their desires individually and their expectation. According to the survey, a patientsà ¢Ã¢â€š ¬ desire is want they want while a patientà ¢Ã¢â€š ¬s expectations is what they anticipate occurring in the future. The results of the research specified that there were no significant differences in the desires of the patientsà ¢Ã¢â€š ¬ cross-world. However, the American patients as compared to the Canadian patients were more likely to claim that their expectations and desires are either, prostrate-specific antigen, mammography, rectal examinations or cholesterol testing. A conclusion from the report is that the differences in the desires were either influenced by either the cultural factors or priming by the experience of the individuals.[Patrick DL, Scrivens E, Charlton JRH. Disability and patient satisfaction with medical care. Med Care. 1983;21:1062à ¢Ã¢â€š ¬75.] The second important issue and question to ensure patient satisfaction is whether the data analysts or the people that collect and analyse the data knows how to use the data. It, therefore, leads to the concern of finding out the relation between the patient satisfaction, health outcomes and the process of care. Over the past patient satisfaction in medical care has been considered to reflect the satisfaction of how the care is delivered and the outcomes of the care. For instance, a patient undergoing surgery may be highly satisfied with the attentiveness if the surgical staff but, on the other hand, disappointed with his rate of recovery. However, several studies have it that health status rather than the degree of improvement in health status are most likely to have influence on the satisfaction of the patient. According to , a study was carried out to estimate the impact of health status on an intrinsic characteristic and health status as a result of care. The research involved 455 elderly patients discharged from University Hospitals of Cleveland, Convinsky and colleagues. The outcomes of the study point to that the short-term improvement in health status was in no way connected with higher satisfaction after controlling for health status at discharge. The conclusion drawn from the findings was that there exists a tendency for recovered patients to record greater satisfaction rather than for patients whose health has improved due to medical care to report greater satisfaction.[4 Patrick DL, Scrivens E, Charlton JRH. Disability and patient satisfaction with medical care. Med Care. 1983;21:1062à ¢Ã¢â€š ¬75.] The third measurement issue concerns whether to adjust for patient characteristics that influence achievement when comparing health care providers. The ma jority of the managed care organisation tend to put more effort on patient satisfaction so as to increase their bonus payments. Critics argue that adjusting away variable dooms it to irrelevance while proponents say that the criterion is a way of levelling of the play field. The purpose of the measurement determines whether or not to apply or adjust. If the measurement was carried out f...

Subprime Crisis And Impact On Banking In India Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3722 Downloads: 7 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? Subprime crisis, the turmoil on mortgage markets has claimed several causalities. Banks have transferred risks to special entities SIVs and SPVs. This practice has given the impression that the credit risk has been transferred from banks to investors. Don’t waste time! Our writers will create an original "Subprime Crisis And Impact On Banking In India Finance Essay" essay for you Create order In traditional banking loans were kept in on bank ´s balance sheets. Now the complete process of originates and distribute model involves borrowers, originators, arrangers, credit risk agencies and investors. This process means credit market imperfections. The banks have less incentive to monitor the quality of borrowers and the quality on original loans. As a result of originate and distribute model of subprime loans there is a capital shortage on financial markets. Market participant do not rely on each other. Banks have lost money on mortgage-backed securities on two ways; Prices went down on the trading books and defaults went up in the banking books. It is estimated that the total write-downs on subprime asset backed securities will reach 285 billion US Dollars. In the case of the subprime crisis, the situation is based on an accumulation of several risks; market risks, credit risks and also strategic risks. So the crisis poses real challenges for financial markets reg ulation process. In the case of the subprime crisis, the situation is based on a collection of several risks: market risks, credit risks and also strategic risks. Originate and distribute strategy has generated a situation, where banks have lost money on mortgage backed securities in two different ways, prices went down on the trading books and defaults went up in the banking books. Subprime crisis, the turmoil on mortgage markets has claimed several causalities. Banks have transferred risks to special entities SIVs and SPVs. This practice has given the impression that the credit risk has been transferred from banks to investors. In traditional banking loans were kept in on bank ´s balance sheets. Now the complete process of originates and distribute model involves borrowers, originators, arrangers, credit risk agencies and investors. This process means credit market imperfections. The banks have less incentive to monitor the quality of borrowers and the quality on orig inal loans. As a result of originate and distribute model of subprime loans there is a capital shortage on financial markets. Market participant do not rely on each other. Banks have lost money on mortgage backed securities on two ways, Prices went down on the trading books and defaults went up in the banking books. It is estimated that the total write downs on subprime asset backed securities will reach 285 billion US Dollars. In the case of the subprime crisis, the situation is based on an accumulation of several risks; market risks, credit risks and also strategic risks. So the crisis poses real challenges for financial markets regulation process. Subprime crisis: The main tasks of financial institutions are there allocation of resources, division of risks and sustaining the general payment system. (1994, 19-20) From an operational point of view, it is possible to divide the functions into three key elements: payment system, loans and deposits. Payment system refers to a service provided for the customer, where a cash transaction can be deposited to a bank. This task is shifting from manual, over the counter transactions to electronic and internet-based formats. Modern banking is facing various new challenges, such as continuous need for creating innovations and improving operations in the banking industry. A bank is defined generally as a financial intermediary. There is also another way of thinking the concept. One example is Prosper, an online community for lending and borrowing money without the intervention of banks. Prosper is an online auction platform. It generates revenue by collecting one-time fees on funded loans from borrowers an d assessing loan service fees to lenders. Still the traditional banking is operating on the 6 traditional ways. A financial intermediary participates to the payment system and finances customer entities in financial deficit using the funds of customer entities in financial surplus. At the macroeconomic level, banks finance each other through interbank operations. Among the financial intermediaries, the specificity of banks is to issue money, broadly defined as demand deposits and short-term deposits. Taking deposits is therefore the main task of a bank. Customers are accustomed to rely on banks and this is the main reason for giving money to a bank depository account. If a customer needs a loan, the primary commodity is naturally the money, in other words capital. You can see also the secondary advantage: saving time. The loan, given by a financial institution, makes it possible for the customer to purchase items of significant value or invest the capital, whenever the need arises. From the bank point of view, credit always involves handling risks. In the market economy, the banks are competing with loans and credit risk. Subprime Crisis and the Impact on India: As interest rates started falling due to excess liquidity, house prices rose rapidly, creating a pool of wealth in the hands of Americans, which they unlocked by contracting mortgage loans. It benefited them in two ways they got huge liquidity at inflated housing prices and interest rates that were practically lowest in the last twenty years. This became a virtuous cycle, which resulted in very high consumer spending, obviously fuelling global growth. As interest rates started rising in the US due to inflation concerns, this virtuous cycle came to a standstill and the demand for houses started tapering. This resulted in lower prices for houses and many were unable to cover the mortgage loans. It has now hit the entire  banking  industry in the US and the virtuous cycle is becoming a vicious cycle. Perhaps a similar story will unfold in the next couple of months for these lenders who have lent big money into the subprime markets. One or more banks will fold, jus t like Enron did, resulting in a huge crisis of confidence. It would be naive to wish away this major problem inflicting the global markets and to presume that the Indian market is decoupled. If the global super-tanker US, which has a 25 per cent share of global GDP, slows down it will definitely have an impact on the Indian economy. Only time can decide which policy becomes successful. More importantly, no one can predict a change of plans in the Oval office. The Impact of US subprime crisis on India may not be very large according to economists. It is being anticipated that the developing countries might be spared for a year or two and neither of the countries would be affected either by economic recession in the USA or the prevailing US subprime crisis. This notion was put forward by the leading economist of the World Bank. Effect of US Subprime Mortgage Crisis on the Banking Sector: Effect of US subprime mortgage crisis on the banking sector has been immense. This is evident from the fact that banks as well as stock markets were affected in every nook and corner of the world. The European Central Bank or the ECB came to the rescue of many. The amount injected by the ECB to rescue the other banking institutions was ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬95 billion. The rate of interest was 4%. This was the first rescue operation, the second and the third followed with a cash assistance of ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬61 billion as well as ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬47.67 billion respectively. The approach taken by the authorities of other Central Banks were also varied. Central Bank of Japans contributions to the financial markets comprised injection of 600 billion yen or ÃÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬3.6 billion. The price of stocks fell in Frankfurt, Tokyo and New York. In fact, the financial assistance, which the ECB had shelled out, exceeded the amount it shelled out after terrorist attacks on the World Trade Center on 11th September. Effect of US subprime mortgage crisis on the banking sector did not spare IKB Deutsche Industry bank in Germany (Europe). The bank had to be bailed out by a payment of USD11.1 billion. It has investments in the United States mortgage market. A bank in France, known by the name BNP Paribas halted all withdrawals. This step was taken by the bank as the actual value of the assets was not being ascertained. Another bank, which was about to declare bankruptcy was West LB. Deutsche Post bank as a measure to combat the effects of US subprime mortgage crisis on the banking sector redirected or re routed Euros worth hundred million of the banks funds. Baffin, a federal agency in Germany is responsible for the regulation of the industry dealing with financial services. Other effects of the crisis include rise in rates of interest. As a result of this, lending business got stalled. The signals started from the money market. In the money markets there is liquidity and the bank s carry out several transactions to keep the system functioning. If the functioning of the money markets gets distorted, the whole system gets upset. Indian Banking sector challenged by domestic, not global, factors: October 14, 2008: CRISIL believes that the Indian banking system is relatively insulated from the factors leading to the turmoil in the global banking industry. Further, the recent tight liquidity in the Indian market is also qualitatively different from the global liquidity crunch, which was caused by a crisis of confidence in banks lending to each other. Says Roopa Kudva Managing Director and Chief Executive Officer, CRISIL, While the main causes of global stress are less relevant here, Indian banks do face increased challenges due to domestic factors. The banking sector faces profitability pressures due to higher funding costs, mark-to-market requirements on investment portfolios, and asset quality pressures due to a slowing economy. CRISIL views the strong cap italization of Indian banks as a positive feature in the current environment. Indian banks global exposure is relatively small, with international assets at about 6 per cent of the total assets. Even banks with international operations have less than 11 per cent of their total assets outside India. The reported investment exposure of Indian banks to distressed international financial institutions of about USD1 billion is also very small. The mark-to-market losses on this investment portfolio, will, therefore, have only a limited financial impact. Indian banks dependence on international funding is also low. Subprime crisis impact on Indian economy: The Impact of US subprime crisis on India may not be very large according to economists. It is being anticipated that the developing countries might be spared for a year or two and neither of the countries would be affected either by economic recession in the USA or the prevailing US subprime crisis. This notion was put forward by the leading economist of the World Bank. Further, it is being fathomed that even if there is an impact of US subprime crisis on India, it will not be taking place earlier than two years. However, it will be wrongly said if the developing nations like India would be entirely untouched by the ripple effect. The prevailing economic condition in these countries are so strong that it may not feel the upheaval as it would have felt had the economy of these countries been sluggish. During the East Asian crisis, the Indian economy was in the regime of limited convertibility (current account and capital account) thanks to the careful and gradual move towards globalization decreed by the RBI and GOI, which worked as a blessing in disguise and we were not particularly affected. Things have changed since and owing to various international obligations and the understanding that capital is important for the overall growth of the economy, the RBI and GOI have liberalize d a lot on both the current and capital accounts. Integration of the Indian economy into the world economy has brought about many disadvantages too. The question is how to continue as an integral part of the world and also remain unaffected by the crisis happening in other parts of the world? This question may not be so pertinent to a developed economy but for an emerging economy like ours, if we are affected to a great extent by a crisis arising in another part of the world, this will imply one step forward and two steps backward. The present crisis in US may not have such an impact on the world economy because it is confined to one sector of the economy, viz., mortgage and housing but one cannot deny that housing is a sector with large-scale implications. Then what do we learn from this housing crisis? 1. Sound banking practices: The root cause of the subprime mortgage (even prime mortgage loans are in trouble in US; e.g., trouble in Countrywide, Americas bigges t home loan lender) crisis is the unsound credit practices that emerged in the US market. Fake certification, which helps an ineligible person to raise a home loan, cannot be ruled out in India. Housing loan frauds are not uncommon in the cities of India and the aggressiveness with which housing loans are being sold by banks and financial companies in violation of sound credit practices cannot be ignored. Personal loans and overdue credit cards are the other sectors which the regulators and bankers should handle carefully because they have the potential to plunge the Indian banking sector into a crisis. 2. Controlled Derivatives market: Derivatives are financial instruments, which can spread the default risk attaching to loans. All the same, indiscriminate use of such derivatives can lead to havoc as in US. Derivatives lead to such a chain reaction that it will be nearly impossible to quantify the risk of exposure to bad loans and advances subsequently. RBI and GOI should prohibi t indiscriminate use of such derivatives if they intend to introduce such products in India. 3. Limited investment by Indian companies abroad: Prudent investment abroad should be the order of the day. Reckless investment in the derivatives market abroad by banks and financial institutions has to be controlled. In the recent crisis, BNP Paribas of France and Macquarie Bank of Australia have been affected because of such overseas investments. The exposure of Indian banks to the subprime crisis of US is minimal. 4. Quality Inward Investment: FDI should be given priority over FIIs as history has shown that flight of capital in case of FDI is low compared to that in respect of FIIs. Due to their stable nature, FDI can help in the growth of the countrys infrastructure. Articles: Abstract: Indian economy would be less adversely affected by the global economic crisis Link https://cje.oxfordjournals.org/content/33/4/725.full By: Jayati Ghosh The view that the Indian economy would be less adversely affected by the global economic crisis because of limited integration and other inherent strengths has proved to be wrong. The economic boom in India that preceded the current downturn was dependent upon greater global integration in three ways: greater reliance on exports particularly of services; increased dependence on capital inflows, especially of the short-term variety; and the role these played in underpinning a domestic credit-fuelled consumption and investment boom. These in turn made the growth process more vulnerable to internally and externally generated crises, as is now becoming clear. Abstract: Link https://ssrn.com/abstract=1273487 By : William B. and Sanders, Anthony B. The Sub Prime Crisis: Implications for Emerging Markets This paper discusses some of the key characteristics of the U.S. subprime mortgage boom and bust, contrasts them with characteristics of emerging mortgage markets, and makes recommendations for emerging market policy makers. The crisis has raised questions in the minds of many as to the wisdom of extending mortgage lending to low and moderate income households. It is important to note, however, that prior to the growth of subprime lending in the 1990s, U.S. mortgage markets already reached low and moderate-income households without taking large risks or suffering large losses. In contrast, in most emerging markets, mortgage finance is a luxury good, restricted to upper income households. As policy makers in emerging market seek to move lenders down market, they should adopt policies that include a variety of financing methods and should allow for rental or purchase as a function of the financial capacity of the household. Securitization remains a useful tool when developed in the c ontext of well-aligned incentives and oversight. It is possible to extend mortgage lending down market without repeating the mistakes of the subprime boom and bust. Abstract:   Ãƒâ€šÃ‚  Ãƒâ€šÃ‚  Ãƒâ€š Link https://ssrn.com/abstract=1124961 The Subprime Mortgage Crisis and the Social Capital Response By: Raymond H. Brescia This article explores the extent to which social capital theory can respond to the crisis in the subprime mortgage markets. Building on the groundbreaking theories of Robert Putnam in his book BOWLING ALONE: THE COLLAPSE AND REVIVAL OF AMERICAN COMMUNITY, this article seeks to explore the role of trust and social capital in micro-economic transactions, specifically those involving homeownership in general and the subprime mortgage crisis in particular. The article posits that asymmetries of information, the lack of fiduciary obligations between the mortgage broker and the subprime borrower, the incentives built into the subprime mortgage market as a result of mortgage securitization that promote abusive lending practices, deregulation that led to the influx of subprime mortgage products into communities of color, the limits of anti-discrimination laws to address this influx adequately, and restrictions on refinancing built into securitization agreements have all led to the current crisis. In response to these causes of the current crisis, this article suggests changes to the broker-borrower relationship, the promotion of greater consumer education and the creation of problem-solving courts to address the looming foreclosure crisis ABSTRACT: Accounting in and for the Subprime Crisis Link https://link.aip.org/link/ACRVAS/v83/i6/p1605/s1 By: C. P. Chandrasekhar* This essay describes implications of the subprime crisis for accounting. First, I overview the institutional and market aspects of subprime lending with the greatest accounting relevance. Second, I discuss the critical aspects of FAS No. 157s fair value definition and measurement guidance and explain the practical difficulties that have arisen in applying this definition and guidance to subprime positions during the crisis. I also raise a potential issue regarding the application of FAS No. 159s fair value option. Third, I discuss issues that have arisen regarding sale accounting for subprime mortgage securitizations under FAS No. 140 and consolidation of securitization entities under FIN No. 46(R) associated with mortgage foreclosures and modifications. Fourth, I indicate ways that accounting academics can address the implications of the subprime crisis in their research. Abstract: Understanding the Subprime Mortgage Crisis https://rfs.oxfordjournals.org/content/early/2009/05/04/rfs.hhp033 By: James W. Kolari Using loan-level data, we analyze the quality of subprime mortgage loans by adjusting their performance for differences in borrower characteristics, loan characteristics, and macroeconomic conditions. We find that the quality of loans deteriorated for six consecutive years before the crisis and that securitizes were, to some extent, aware of it. We provide evidence that the rise and fall of the subprime mortgage market follows a classic lending boom-bust scenario, in which unsustainable growth leads to the collapse of the market. Problems could have been detected long before the crisis, but they were masked by high house price appreciation between 2003 and 2005. Objectives To find out the reason of subprime crisis. To know the affect of subprime crisis on banking sector. To know that how the Subprime crisis rising. Affect of subprime crisis on Indian economy and financial institutions. To know that how the subprime crisis affect the Banking sector. Research Methodology: RESEARCH Research is a Purposeful investigation. It is a scientific and systematic search for knowledge and information on a specific topic. Research is useful and Research objective can be achieved if it is done in Propose Process. METHODOLOGY The word Methodology spells the meaning itself i.e. the method used by the researches in obtaining information. The data (Information can be collected from the Primary sources and Secondary sources.) Definition of Market Research:- Market research is the constant search for and analysis of fact. It is defined as diligent investigation. By Charles F. Kellering. A researcher looks forward to see what industry may do when it can go longer do what it is doing. He further says that research is done in mans minds are not in laboratories may be necessary. Data collocation method: There are two types of data collocation method- 1. Primary 2. Secondary Primary data- Primary data are those which are collected a fresh and for the first time, and thus happen to be original in character. Method of Primary data collection: Observation method Interview method Questionnaire method Schedule method Secondary Data: Secondary data means data that are already available, they refer to the data which have already been collected and analyzed by someone else. In this case he is certainly not conformed to the problems that are usually associated with the collection of originals data. Secondary data may either be published data or unpublished data. My data collection in primary source was questionnaire and schedule. In secondary source of data collection I have use internet, magazine, books, and Indian journal of marketing. Researcher must be very careful in using secondary data. He must make a minute scrutiny because it is just possible that the secondary data may be unsuitable or may be inadequate in the context of the problem which the researcher wants to study. Source of Secondary data: The secondary source of data collection is the Books, Internet, News paper, etc. These are the secondary source of data collocation. Research methodology: We use the research methodology to find out the hidden truth and research the problems. I have chosen secondary data for this term paper. Secondary Data: Secondary data was collected through various publications of books and journals, websites. CONCLUSION: The subprime crisis arised from the USA and then this affects the whole countries of the world. One of the country is India which had bad affect of this. And then in India various sectors were affected by this crisis private sector and public sector also. Many banks were affecting by this crisis and they were insolvent. In the case of Insolvency the banks were cant be able to payment to the creditors. The mail function of the bank is to provide loan and get profit by this but in the rotation the banks are insolvent and cant be able to return money. The subprime crisis had bad affect to the banking sector of the India and it is also harmful for the Indian economy.

Public School And Why Should They Be Kept - 993 Words

Nhan Truong ENGW 302 Prof. Treiber 02/20/2015 Public School and Why Should They Be Kept Among many things that involve in education, schools have stood out as the most important reason that people, especially parents, care and take great effort in researching. â€Å"The best school† has been an issue wondering in parents’ mind whether public or charter school should be the right place for their children, for this will be the starting point that may determine the future of their precious â€Å"angels†. Charter schools have stood out to most parents because of their outstanding results or have been excelled in a certain neighborhood; therefore, many people think that charter schools are excellent, and they should be increasing if parents are really care about their children’s future. However, is that really the case? Are all public schools failing our expectation and wasted taxes money on the pointless system that will eventually lead our children to doom? 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PEST Analysis of CJ Clark Free Essay Example, 5250 words

This paper illustrates that the political, economic, social and technological factors are influence a firm s performance in the short run as well as in the long run. Strategy consultants use the acronym PEST, to denote these four factors. PEST analysis is useful in judging the macro environment in which the firm operates. Such a method of analysis is made separately for each branch of the firms that operate across geographical borders since the political, economic, social and technological factors differ in each country. The results obtained from this analysis can be used for business planning, strategizing, product development and further research and development. Political factors affect the business decisions and performance of the firm to a large extent. C J Clark is a family owned business that owns a prominent place in the British footwear market. In 1992, while the company was going through a tough time, it faced a fall in profit. The company had to cut its dividends when a f amily dispute surfaced demanding ouster of the-then chairman Walter Dickson, who was a non-family member. The company also had considered going public in the later part of the 1990s. We will write a custom essay sample on PEST Analysis of C&J Clark or any topic specifically for you Only $17.96 $11.86/page Both national and global economic factors affect any business and decisions must be taken accordingly. Clarks caters to the market comprising customers of every age group in different countries. Thus it is important for the management to examine the population growth in these countries and keep themselves up to date with the preferences of these people.

Development Of Exceptional And Special Needs Children Essay

The early childhood sector is increasing rapidly across the Caribbean. Some of these centres just came about in an ad hoc manner due to the demand for day care services; recognising how important early childhood development is, governments and other officials are being faced with the task of ensuring that quality early childhood education is provided. This essay seeks to discuss teachers’ expectations, sensitivities, priorities and values that contribute to the quality of all pupils learning and explore the extent to which policies in St. Vincent and the Grenadines supports the development of exceptional and special needs children. The expectations of professionals impact directly on children’s motivation, self-esteem and self-efficacy (Uszynska, 2007; Morales, 2010). Students process information at varying pace, because of individual cognitive development, as well as their different living environment and socio-economic backgrounds. Therefore, educators need to recognize their differences and meet the diverse needs of their students. Exploring Policy Here in St. Vincent and the Grenadines the Prime Minister Ralph Gonsalves established a no child left behind policy. This signifies a step towards inclusion as the new paradigm in the education system. Children who are slow learners, the government of St. Vincent and the Grenadines are making provision for persons to assist these slower learners in the classroom by providing remedial teachers. These teachers are beingShow MoreRelatedInclusive Education For Children With Disabilities1631 Words   |  7 PagesAbstract Inclusive education is where children with disabilities receive special education services in the general education setting. Many factors can make inclusion difficult or complex. Accommodating instruction to meet the educational needs of all students is one of the most fundamental problems in education. Many argue that inclusive practices benefit all students. While others argue that inclusive education is inadequately designed to meet the needs of exceptional students. Benefits of inclusiveRead MoreThe Teaching Philosophy of Exceptional Children Essay869 Words   |  4 PagesThe teaching philosophy of exceptional children: My teaching career has been spent learning how to provide appropriate support, guidance, patience, understanding, as well as to enhance academic growth success, for all students. My purpose as a teacher is to enrich and inspire the lives of young students with moderate/intensive needs by providing access to information instead of functioning as the primary so urce of information for students to flourish. My teaching methods will be to create anRead MoreThe Individuals With Disabilities Education Act1535 Words   |  7 Pageslaw addressing the education of children and adolescents with disabilities. It ensures all individuals with disabilities between the ages of 3−21 the right to a free, appropriate public education (FAPE), regardless of the nature or severity of the disability. Schools must therefore provide services to meet the particular educational needs arising from a disabling condition that cannot be met in the general educational program. THE NATURE OF SPECIAL EDUCATION Special education is instruction tailoredRead MoreProfessional : Self Assessment And Professional Standards1111 Words   |  5 PagesStooksberry, 2010). The Council for Exceptional Children developed and implemented the Initial and Advanced Preparation Standards. These preparation standards consisted of seven standards and twenty-eight elements â€Å"that bring its structure into alignment with all professional association partners in the National Council for Accreditation of Teacher Education† (Council for Exceptional Children.2015, Retrieved May 13, 2015). 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This disability starts during a child’s development period and may last for a life time. Special educational programs are available for children with development disabilities. The diagnosis of developmental disabilities can be done at an early age. It is the duty of parents to take their children to a specialist who can help themRead MoreTaking a Look at Special Education879 Words   |  4 Pages Special education is an ethically and politically complex area of professional education (Paul, French, Cranston-Gingras, 2001). Critics have claimed that special education does not benefit student with disabilities and should be renounced for ethical reasons (Gartner Lipsky, 1989). Others assert that special education is unethical because it stigmatizes and segregates minority students and violates the rights of children (Grossman, 1998; Granger Granger, 1986). On the other hand, proponentsRead MoreChildren With Learning Disabilities Are Inherently At Risk876 Words   |  4 PagesChildren with learning disabilities are a population who are inherently at risk. They are at risk of not being able to utilize the presented curriculum, as their non-disabled peers do. They are also at risk of suffering from emotional stress and or low self-efficacy as they negotiate classrooms assignments and expectations. Our Exceptional Children text states that children with learning disabilities, â€Å"†¦ often struggle with reasoning, attention, memory, selecting and focusing on relevant stimuliRead MoreLeadership, Organization And Administration1529 Words   |  7 Pageshow school leaders, who promote a vision that all students will learn using IDEA and the No Child Left Behind Act (NCLB), ensure that the needs of children with disabilities are met while improving educational outcomes. As with economics as John F. Kennedy coined, â€Å"A rising tide lifts all†, therefore improving the instructional policies and practices in the special education classroom ensures the benefit of all students. Today, schools must provide students with disabilities appropriate access to theRead MoreDown Syndrome: An Intellectual and Developmental Disability E ssay1163 Words   |  5 PagesWhile completing a course on children with exceptionalities we used the textbook â€Å"Educating Exceptional Children†. While this textbook covered a variety of exceptionalities, I chose to research one further, Down syndrome. It is one of the most common and easily identified exceptionality and based on the higher prevalence of Down syndrome about 1 in 733 births (About Down Syndrome) I believe that this may be one of the exceptionality I will have an increased chance of encountering during my teaching

Pro Immigration Law Free Essays

The Supply and Demand for Immigration Laws! One of the most controversial political and economical issues facing the United States today is immigration. The rules against illegal immigrants coming into the United States should be stricter along with the number of legal immigrants we allow into the United States lowered. The reason for these stricter laws and smaller amount of foreigners is due to the drastic increase violence due to immigrants, they also bring in a plethora of diseases while increases the cost of health care and degrading health care service. We will write a custom essay sample on Pro Immigration Law or any similar topic only for you Order Now Immigrants whether legal or illegal should be under harsher rules and should be constantly observed. Sister Helen Chaska was walking around in her hometown of Oregon doing missionary work when Maximiliano Esparza—illegal immigrant for Mexico—raped her and then strangled her with her rosary beads (Crime Victims). In another cases three young boy s, two of age 9 and the other age 10, were brutally killed by two illegal immigrants. One of the young boys was beheaded while the other two almost beheaded; the children also suffered from blunt force trauma and asphyxiation (Crime Victims). Immigrants such as Esparaza and the killers of the 3 young boys have no compassion or care for Americans i. e. 9/11. A majority of the violence that occurs in cities is committed by immigrants but once they are caught they are deported back to their country of origin. Once legal immigrants are able to receive their green cards they must be immunized and screen to assure the American government and citizens that they are not bring any diseases over to the USA. Chagas Disease, Tuberculosis, Hepatitis, Swine flu, Leprosy, and Dengue are example of diseases that began in other countries and were bought over to the United States by Immigrants (Engler). In the past 40 years the United States only had 900 cases of Leprosy but it was reported in 2003 that 7,000 people were infected with the disease. Leprosy was first bought over to the United States by illegal from Brazil, Mexico, India and the Caribbean. We also cannot forget the Hepatitis outbreak in Pittsburgh; the outbreak was caused by a Mexican restaurant shipping food from Mexico to United States (Engler). When illegal immigrants come over to the United States they do not care about what type of sickness they could be bringing over to the United States. A majority of Immigrants whom come over are uninsured. Forty-three percent of immigrants that come to the United States under the age of 65 have no health insurance. That equals out to 9. million uninsured immigrants and not including the illegal ones whom are unaccounted for. The cost of medical care for the uninsured immigrants is passed over to taxpaying citizens. Immigrants also use hospitals, clinics and emergency services twice the rate of U. S. born citizens. This causes long lines and over capacity health care faculties which results in the patients being rushed in and out. A California study showed that U. S. tax payer dollars continuously goes to the delivery of babies from illegal alien mothers. In one year 74,987 babies were delivered and it cost the taxpayers around 215 million dollars (Illegal Immigration). We have neglected areas in our economy where taxpayers’ dollars should be spent rather paying for illegal immigrants. The statue of liberty was not built to welcome and greet the worlds’ tired and huddled masses. The actually purpose of the Statue of Liberty was to symbolize the French-American friendship and the underlying political message of America supporting and helping Third Republic of France. Furthermore, the statue of liberty has nothing to do with freely allowing immigrants into the United States (The History). The French initial intent of Lady Liberty is to inspire many culture and countries around the world to emulate the enlightened United States such as the Sculptor of Lady Liberty, Frederic-Auguste Bartholdi, hoped to glorify the United States in the republic of French (The History). The message of the Frederic Bartholdi was not intended to be a welcome mat as many immigrants argue but encourage citizen other countries to admire America. Illegal immigrants are a burden to our country. They blatantly bring in foreign diseases, which could kill of half of our population. When the Immigrants come over here they also commit horrid crimes that are unthinkable in America but are common in their countries. Most of the crime that is actually reported here in the United States is committed by Immigrants. Due to the abundance of immigrants the cost of health care is increasing drastically and the quality of health care is decreasing. Therefore, the U. S. overnment should implement stricter rules and enforcement around our borders and we should decrease the amount of immigrants we allow in the states. Works Cited â€Å"Crime Victims of Illegal Immigrants. † Immigration Human Cost. Web. 14 Nov. 2009. Engler, Robert. â€Å"Immigration And Disease: It’s Enough to Make You Sick. † American Daily. 21 Nov. 2003. Web. 14 Nov. 2009. â€Å"Illegal Immigration and Public Health. † Federation For American Immig ration Reform. Web. 15 Nov. 2009. â€Å"The History of the Statue of Liberty. † The Statue of Liberty- Ellis Island Foundation, Inc. Web. 13 Nov. 2009. How to cite Pro Immigration Law, Papers

Introduction to Criminology and Criminal Justice for Health Canada

Question: Discuss about theIntroduction to Criminology and Criminal Justice for Health Canada. Answer: The Legalization of Marijuana in Canada Canada is a country where recently marihuana or marijuana has been legalized for the medical purposes under the access to Cannabis for Medical Purposes Regulation Act, which has been issued by Health Canada. The marijuana has collected by the cultivation of the hemp plant of the genus Cannabis where the scenes grains and fiber production only used under a license by the health Canada (Hajizadeh, 2016). The government has Canadian federal election 2015 has started a campaign with the people who want to legalize the Cannabis for personal use but majority of the government has voted against the personal consumption according to the Controlled Drugs and Substances Act but it has been legalize for the medicinal purposes under some licensed permission (Rehm, Crpault Fischer, 2017). The new law also enacted the rules for it provides punishment for the people who convicted of supplying cannabis to minors and impairment while driving motorcycle. However, the official date has been published which is 1st July 2018 from when the legalization of marijuana will be applicable in the all over the country. The act has provided the rules which has power to determine the method of distribution and sale of legal Cannabis use along with the excise tax while distributing the Cannabis. In the past history of Canada, the Cannabis use is illegal due to various criminal charges against middle class citizens about using the Cannabis as drugs but later The cannabis is distributing for the medicinal purposes which has make the legalization of the use of marijuana (Hajizadeh, 2016). Though it has the legalization in the country it has several effects in human body and it must not used by the young people (Rehm, Crpault Fischer, 2017). The marijuana is a form of toxic which affect our neurons and regular use of such drugs can change the developing the brains framework. It was not completely harmless and has negative effects in our body. Therefore the Canadian Medical Association has set a limit where they have suggested that the human brain continues to mature until is 25, therefore a person should have completed the age of 21 to use marijuana. Most of the cases the young person becomes attracted by such drugs. The country people also have fear that legalization of marijuana can increases impaired driving from using marijuana along with the alcohol (Lake Kerr, 2017). Marijuana is also known as pot, weed and grass, which are mainly, found from the plant Cannabis sativa and it grows naturally in many countries. Marijuana is using for medicinal purposes from thousands of years and it remains illegal to grow, use and causes in most of the countries including Canada. However, in a recent report has found that in Canada the populations, which aged 15 to 24 years, are reporting to use marijuana more in Canada where males are mostly like to use the Cannabis rather than females (Rehm, Crpault Fischer, 2017). Therefore the current system in Canada has raises several issues of legalizing and the criminalizing of marijuana. It has affected the political, economic growth. The decriminalization of marijuana is still illegal to use and recognize as a criminal offence but when it will be legalized that means the adults will have rights to use and sale marijuana like tobacco and alcohol (Volkow, et al., 2014). Sometimes the illegal sales also took place. This pr ocess may increases the crime by the youth of the country or they may face dangers for the possibility of overdose risk of tragic intoxicated behavior and risk of addiction. It is important for the Canadian government that they must be strict while providing license to the people who are selling and using the marijuana for the medicinal purposes (Hajizadeh, 2016). The legalization of marijuana in Canada has increased tax revenue, which has been a great economy for Canada government. Therefore the government can collect a huge amount of taxes of legalize drugs (Lake Kerr, 2017). There is a high demand for marijuana due to the legalization of Canada and in the free market price; the marijuana is estimated to be low without taxation (Rehm, Crpault Fischer, 2017). Therefore, the government can impose higher taxes on these drugs for maintaining the price at a competitive level with other intoxicated products like alcohol and tobacco (Volkow, et al., 2014). However, the Canadian government can collect a huge amount of tax for the product but it also increases the black market of marijuana in Canada rather than alcohol and tobacco. In a recent report, it has found that Canadian Imperial Bank of Commerce world markets has estimated that it could create a 10 million dollar per year in industry and the Canadian Government and collect 50% or more than $10 million as the drug taxes for the legalization of marijuana. Therefore, it would help to generate some other job opportunities for individuals who are connected with educational sessions and Health Promotion initiative to promote safe use of the drugs. Therefore, the legalization of marijuana can lead to a substantial savings in drug incarceration and enforcement cost in Canada (Rehm, Crpault Fischer, 2017). According to the social impacts due to the high demand of marijuana in Canada can help to expansion on the black market where the illegal drug dealers can sell the marijuana without any accountability (Hajizadeh, 2016). When the legalization of marijuana has established in Canada it helps to reduce the cost and the economical growth in the black market share. It has related with the illegal drug dealers and other relative criminal activities. When the illegal drug dealers sale and use in Canadian black market, it increases the criminal offences. Due to the use of marijuana the social problem will be increases and the marijuana will effect as unsafe products in the environment and the illegal distribution of such drug only being level for such criminal activities. Therefore, for the youth in the Canada the illegal market of marijuana is highly risk and dangerous issues (Lake Kerr, 2017). The use of marijuana has dangerous impacts in the human body. Regular use of such toxicities can affect human brain but along with the bad effects. Marijuana is used for medicinal purposes (Hajizadeh, 2016). It has various benefits as if the use of marijuana can lower the risk in neuropathic pain, inflammatory bowel diseases, and helps to manage symptoms of chemotherapy and treatment resident epilepsy in children. The Centre for Addiction and Mental Health Organisation has recently published a report where they mentioned about the healthy benefits of the use of marijuana along with the risks, which are decreasing the brain development among youth. The progression to use of other illicit Drugs depression or anxiety, injury, risk of death from motor vehicle collision, symptoms of chronic bronchitis, schizophrenia and addiction problem (Rehm, Crpault Fischer, 2017). The casual effects of regular use of marijuana can become the reason of disorders, schizophrenia, lung cancer and traffic injuries. There are several disabilities has also found due to the regular use of marijuana where the highest rated of risk in the motor vehicle accidents which is most common side effects income order along with other countries (Volkow, et al., 2014). The legalization of marijuana can helpful and benefited for the government to collect highest paid of taxes. It also helps to government to develop in the country. However, due to the legalizati1on of such toxicities product also increases criminal activities in all over the country. The illegal market of drugs has already increasing in Canada and after the legalization of marijuana (Lake Kerr, 2017); it increases the high rated criminal offence for the society. Canada government should prepare some appropriate rules and policies to keep the drug out of the hands of the minors. They must increase awareness and knowledge on harmful effects of the drug and to prevent impair driving and collision between the motor and vehicles. the Canada is not only the first country who attempts to in provision of marijuana but the Portugal, Uruguay and United States have also realize the use of marijuana where they also applied several provision policies and strategic models for the legalization of marijuana (Volkow, et al., 2014). However, several States have legalized the use it helps Canada to found new laws and rules to prevent such criminal offences and other harmful effects (Rehm, Crpault Fischer, 2017). However, the legalization of marijuana is one of the unique opportunities to know about the effect of legalizing marijuana on the national scale (Lake Kerr, 2017). Reference Ammerman, S., Ryan, S., Adelman, W. P., Committee on Substance Abuse. (2015). The impact of marijuana policies on youth: clinical, research, and legal update. Pediatrics, 135(3), e769-e785. Haines-Saah, R. J., Johnson, J. L., Repta, R., Ostry, A., Young, M. L., Shoveller, J., ... Ratner, P. A. (2014). The privileged normalization of marijuana usean analysis of Canadian newspaper reporting, 19972007. Critical public health, 24(1), 47-61. Hajizadeh, M. (2016). Legalizing and regulating marijuana in Canada: review of potential economic, social, and health impacts. International journal of health policy and management, 5(8), 453. Lake, S., Kerr, T. (2017). The Challenges of Projecting the Public Health Impacts of Marijuana Legalization in Canada: Comment on" Legalizing and Regulating Marijuana in Canada: Review of Potential Economic, Social, and Health Impacts". International Journal of Health Policy and Management, 6(5), 285. MacKay, R., Phillips, K. (2016). The legal regulation of marijuana in Canada and selected other countries. Library of Parliament= Bibliothque du Parlement. Minaker, L. M., Bonham, A., Elton-Marshall, T., Leos-Toro, C., Wild, T. C., Hammond, D. (2017). Under the influence: examination of prevalence and correlates of alcohol and marijuana consumption in relation to youth driving and passenger behaviours in Canada. A cross-sectional study. CMAJ open, 5(2), E386-E394. Rehm, J., Crpault, J. F., Fischer, B. (2017). The Devil Is in the Details! On Regulating Cannabis Use in Canada Based on Public Health Criteria: Comment on" Legalizing and Regulating Marijuana in Canada: Review of Potential Economic, Social, and Health Impacts". International Journal of Health Policy and Management, 6(3), 173. Volkow, N. D., Baler, R. D., Compton, W. M., Weiss, S. R. (2014). Adverse health effects of marijuana use. New England Journal of Medicine, 370(23), 2219-2227.