Stalin and Hitler Essay Example | Topics and Well Written Essays - 1000 words

Stalin and Hitler - Essay Example Anyway the exploration characterizes that they were triumphant inside their nations for a broad timeframe and gives the equivalent manners by which they gained the force that they did. History specialists have asserted that their victories could be ascribed to the realities that they made a case for new thoughts and political methodologies which in actuality gave them endorsement from the residents of the nations they managed over for a long time. Through the many itemized reports that have been assembled after some time it is effortlessly observed that Hitler and Stalin loathed each other hugely yet this didn't change the reality both had basic qualities (Nolte 1999). Since Stalin got concentrated on building what was apparently an industrialized realm with little respect for the individuals, the timespan he governed under was known as Stalinism (Nolte 1999). For Hitler, it has been regular information throughout recent decades, and in any event, during the hour of his decision that he was centered around socialism and forming the world into a socialist one, doing massacres on societies that invalidated his standard. Thusly, the hour of his initiative and control over others was portrayed as, Nazism (Nolte 1999). In spite of the fact that these are two unique sorts of mental ways of thinking they hold key components that are strikingly comparable, the primary being the hunger for power that both held, again with little affirm ation for those individuals that they each considered underneath them. The each rose to the most noteworthy conceivable situation of intensity achievable in both their nations, administering with what must be named as an iron thumb. For a spell both programmed the residents into accepting what was nothing other than bogus lies and trusts in a superior world to live in, and again for a while the individuals followed both of these pioneers readily. The three primary reasons the two of them had the option to pick up control over individuals, for example, this was because of their use of publicity, their flippant perspectives, and the aspiration the two of them needed to pick up power on the planet (Nolte 1999). In any case, it was what prompted their thrashing also, as history obviously appears. Since they were both known to be very gifted in the usage of publicity, they had the capacity of utilizing their words to indoctrinate and control others into accepting that everything that they expressed was valid. It was without a doubt through this type of intensity that they picked up the capacity to get individuals to do anything they needed, which is a reality that calls attention to the attribute of irreverence the two of them shared as a typical characteristic (Kreis 2006). It could likewise be said that because of the way that both Germany and Russia were endeavoring to recoup from WWI, it gave the lucky possibility for these tyrants to have the opening to ascend to a seat of intensity in their nations in light of the fact that the residents were looking for expectation and needed to accept that an adjustment the correct way would have been conceivable. In any case, rather than positivism coming out of the individuals giving endorsement for these two heads to control over th eir geological zones, what occurred rather was a bad dream where the world that they thought was awful compounded because of both of these men belittling human uniqueness under the

Countess Elizabeth Bathory of Hungary :: essays research papers

Noblewoman Elizabeth Bathory of Hungary Postulation Statement: Through her interesting character, physical properties, political instinct, and her misshaped moral/family esteems, Countess Elizabeth Bathory of Hungary has driven the life of one of the most captivating yet masochist pioneers in all of Transylvania’s history. I. Royal lady Elizabeth Bathory of Hungary, conceived in 1560, held an adolescence of sheer appall taken cover behind the window ornament of eminence. A. During her youth, she saw terrible preliminaries and sentences did under her family’s authorities. B. Such encounters brought about seizures that were accepted around then to make her masochist. C. At 14 years old, she conveyed an ill-conceived kid. The next year she was hitched to Count Ferencz Nadasdy. II. With her significant other away at fight, she became incomparable pioneer of the land, exploiting the job as lady and head. A. While staying in the château, she immediately became exhausted. She engaged herself by essentially tormenting her hirelings and diving into black magic. B. She cruelly beat her workers continually and was educated by her new medical caretaker, Darvulia, in the methods of torment and black magic. C. Her hirelings could say nothing regarding the battering (legitimately) on the grounds that they were of lower class than their paramour. III. After years at the manor, she started to understand the one thing she relied on the most, her magnificence, started to wind down. A. One day as a worker was tending to her mistress’ crown, she pulled the hair excessively hard and Elizabeth slapped her. Blood erupted onto her hand. As she cleaned it away, wrinkles appeared to vanish. B. Going to black magic indeed, Darvulia disclosed the best way to recapture lost youth was to wash in virgin blood. C. Subsequently, 650 virgins, every one of respectable and pesantry class, were brought before her. D. They were tormented, butchered and covered. A few bodies were inevitably tossed to wolves. IV. Tormenting methods written in her journal too bodies that were in the end discovered lead up to her two preliminaries in 1612. A. Witnesses, just as Elizabeth’s different assistants, expressed all they knew when they were available. B. One discovered her journal canvassed in names and strategies utilized. C.

Why Fentanyl Pain Patches Can Be Deadly

Why Fentanyl Pain Patches Can Be Deadly Addiction Drug Use Opioids Print Fentanyl Pain Patch Abuse Can Be Deadly By Buddy T facebook twitter Buddy T is an anonymous writer and founding member of the Online Al-Anon Outreach Committee with decades of experience writing about alcoholism. Learn about our editorial policy Buddy T Updated on October 15, 2019 Alcibiades/Wikimedia Commons/Public Domain More in Addiction Drug Use Opioids Cocaine Heroin Marijuana Meth Ecstasy/MDMA Hallucinogens Prescription Medications Alcohol Use Addictive Behaviors Nicotine Use Coping and Recovery The fentanyl patch is prescribed to give a slow release of a powerful opioid painkiller for people who are in pain. But it has the potential to be abused, turning it into a way of delivering a quick and dangerous high. Fentanyl is an opioid that is 100 times more potent than morphine. Fentanyl patch abuse can result in an overdose that can be fatal. Patients who are prescribed the patch must be educated to prevent misuse. How Fentanyl Patches Are Abused Because the patch is a sustained-release form of the drug, if one withdraws the 72 hours worth of drug and uses it in a form that it wasnt designed to be used for, then it can rapidly result in death, said Bruce Goldberger, Ph.D., of the University of Florida College of Medicine in a press release. Fentanyl patch abusers often extract the drug from the patches and then inject it, ingest it, or smoke it. Even used patches discarded in the trash are sought after by abusers as some drug remains in the patch. Other abusers might simply apply multiple patches at the same time. Those who abuse fentanyl are seeking a state of euphoria and relaxation common to opioid drugs. These drugs increase dopamine in the brains reward areas. Like heroin, fentanyl can also produce the effects of drowsiness, nausea, confusion, constipation, and lead to tolerance and addiction. Abusers might get the patches through prescription, by stealing them, or by buying them on the street. In some cases, they get them by scrounging through the trash of people who had a prescription and didnt dispose of them appropriately. Dangers of Fentanyl Overdose Taking a large dose of fentanyl can depress and stop breathing. You may become unconscious, go into a coma, and die. This happens because opioid receptors in the brain also control breathing. Because fentanyl is more potent than many other opioids, it is easier to misjudge how much of the drug is being taken. This is amplified if extracting it from patches and using other delivery methods. Fentanyl overdose has an antidote, naloxone, which restores normal respiration. However, it has to be used immediately and it can take higher doses of naloxone to reverse a fentanyl overdose compared to other opioids. EMTs and emergency room personnel must learn to recognize these situations. An example of the dangers was that 115 deaths in Florida were attributed to fentanyl patch abuse in 2004. Overdoses from fentanyl have continued to rise, but most deaths are due to injecting the powdered form, which is usually manufactured in clandestine laboratories rather than being diverted from legal pharmaceutical sources. The Problem Is Addiction Based on our study were recommending that physicians better educate their patients on the use of the patch, and, as a result, we might see lower numbers in fentanyl-related deaths, Goldberger said. While fentanyl patch abuse continues to be a problem, the use of illegally-manufactured powdered fentanyl is fueling even more overdoses.

How To Use a Crayon as a Candle

If you dont have a candle, but need some light, make a candle from a crayon. Its easy to do, plus each crayon burns about half an hour. Materials crayonslighter How to Make the Crayon Candle Use the lighter to ignite an end of the paper around the crayon. Its easier if you melt the pointy part of the crayon off first, plus you can stand the crayon in the melted wax, making a homemade candle holder.Enjoy. Its that simple. Just be sure to keep the crayon away from flammable materials. Let it burn on a fire-safe surface, just in case it falls over. Safety Information Crayons are not intended for use as candles and they do not burn as cleanly as a real candle. You can smell the burning paper and​ the  melting wax. Also, this project is suitable for adults or should be performed under adult supervision.

The Spirit As A Believer Of Christ, Future Educator, And...

As a believer in Christ, future educator, as well as future mother I believe there is an absolute correlation between the fruits of the Spirit as seen in Galatians 5:22-23 to care giving. In my opinion, one should not submerge into a care giving position (whether that means being a mother, father, or teacher) unless they fully obtain the fruits of the Spirit. The entire portion of 1 Corinthians 13:4-8 speak about love, however it was once explained to me that these verses are not necessarily only about lovers, but rather everyone such as friends, family, spouses, and even enemies. If we as believers, are to obey scripture such as to love our enemies such as in Matthew 5:44, then how could we be nurturing caregivers, without including the fruits of the Spirit. Through the entire semester, we have focused on multiple different aspects of children development, (attachment, temperament, play, social development, gender, and parenting). Every single one of these different aspects (in my o pinion) have an absolute correlation to the fruits of the Spirit if we are truly considering it from a biblical perspective. In regards to temperament, as one may understand there are three different types (easy going, slow to warm up, and difficult). As any educator, or parent may understand, dealing which children, especially difficult children can be a daunting task. We as nurturing caregivers must work along side of these children with â€Å"love, joy, peace, and patience† in order to aShow MoreRelatedChristian Philosophy Versus Christian Worldview1794 Words   |  8 Pagesas a right or wrong worldview, since it can consist of subjective opinions on life, love, family and religious philosophies. These worldviews create philosophical questions regarding how society truly functions and different human principles. As educators it is critical that one nurtures the Christian mind in order to fulfill the Christian worldview. It is also absolutely essential that the education s ystem and learning objectives put forward are relevant because they make significant contributionsRead MoreSda Manual Essay101191 Words   |  405 PagesSociety. Used by permission of Zondervan Bible Publishers. Bible texts credited to RSV are from the Revised Standard Version of the Bible, copyright  © 1946, 1952, 1971, by the Division of Christian Education of the National Council of the Churches of Christ in the U.S.A. Used by permission. Texts credited to RV are from The Holy Bible, Revised Version, Oxford University Press, 1911. Printed in U.S.A. 09 08 07 06 5 4 3 2 1 ISBN 0-8280-1947-9 ISBN 0-8280-1948-7 hardcover paperback PrintedRead MoreHistory of Work Ethic8363 Words   |  34 PagesHistorical Context of the Work Ethic Roger B. Hill, Ph.D.  © 1992, 1996 From a historical perspective, the cultural norm placing a positive moral value on doing a good job because work has intrinsic value for its own sake was a relatively recent development (Lipset, 1990). Work, for much of the ancient history of the human race, has been hard and degrading. Working hard--in the absence of compulsion--was not the norm for Hebrew, classical, or medieval cultures (Rose, 1985). It was not until the Protestant

Rhetorical Analysis Of Obama s Victory Speech - 1245 Words

Rhetorical Analysis of Obama’s Victory Speech This speech was given by Barack Obama who won 2012 election as the president. I’m going to analysis his voice, audience, speaker’s message and occasion for the speech. Different angle, different view can show all the Obama’s rhetorical words in his victory speech. In 2012, this is Barack Obama’s second inaugural. He had greatest way to put all the rhetorical words in his speech. It was one of the best of his speech so far. Rhetoric was made in fifth century B.C. Greek and achieves prosperity in the era of classical Athens democracy reached its zenith. No matter in the rally, litigation and public place, rhetorical skills has been widely applied. Especially in the right to get the governance of the countries, successful rhetorical use is more decisive. It will directly affect the decision making and the future of the country. The speech activity is an important activity in human social activities. Speech language to express the communicative effect play s a very important role. Political speech refers to a political leader’s speech on the assembly, to review on political issues. The purpose of political speeches is mainly for the decision-making of influence assembly. Rhetorical of speech is the main content of the speech style, the way to using it is directly related to the artistic techniques and expressive force and appeal of the speech. In the victory speech seems like more matches to the resident’s daily life. His allShow MoreRelatedRhetorical Analysis Of Obama s Victory Speech1181 Words   |  5 PagesRhetorical Analysis of Obama’s Victory Speech Introduction: Barack Obama was re-elected as President of the U.S on November 6th, 2012. Barack Obama held his Victory Speech on the following day. This essay will analyze and comment on an excerpt of that exacting Victory Speech and the solution focus of the criticism will be on the Rhetorical belongings of the Speech. By using numerous forms of Rhetorical apparatus like Anaphora or Tautology, Barack Obama controls to offer a Speech that is full of AmericanRead MoreRhetorical Analysis Of President Obama s Speech1407 Words   |  6 PagesIn his 2009 Inaugural Address, President Barack Obama gave an impassioned speech filled with extended metaphors along the lines of movement, travel, and a journey. In fact, much of his economic language throughout the first 100 days of his presidency followed this theme. Obama’s use of these metaphors served to characterize the economic crisis, unite the American people, and frame his perspective on the role of the presidency. Thus, through a nalysis of his rhetoric, we learn that metaphors reallyRead MoreEssay on Analysis of Obamas Victory Speech831 Words   |  4 PagesAnalysis of Obama`s Victory Speech The presidential victory speech delivered by Barack Obama who is the president to be was held on November 4, 2008, in Grant Park, Chicago. It is about his won election for the office as the president. I will take a closer look on how Obama emphasizes his speech with stylistic devices. The speech is divided into four parts. The first part is from ll. 1-26, the second from ll. 27- 70, the third from ll. 71-9 and the last from ll. 95-105. In the first part of theRead MoreRhetorical Analysis Of President Obama s Inauguration Speech Essay1121 Words   |  5 PagesRhetorical Analysis: President Obama s Inauguration Speech 2013 President Barack Obama’s campaign theme in 2013 was to bring change throughout the United States, and he continues on with this motto while thanking the American people.He does this by stating the change he plans to bring,how he will bring change, what he values,and the importance of peace and unity. President Obama is addressing all of american people that voted for and against him,by continuously referring to them as a team.HeRead MoreLeader Persuasion1290 Words   |  6 Pagessuccessful leaders utilize and capitalize on the needs and wants of their followers through persuasive word choice High level persons are persuasive; they have to be. Powerful speakers such as Adolf Hitler, Martin Luther King, Jr., and President Barack Obama all have something in common; they all have spoken and appealed to mass audiences using similar speaking techniques. Many of the speaking techniques utilized by these highly influential people are similar to those used by sales representative whoRead MoreStylistic Analysis of Barrack Obama ´S Presidential Victory Speech4019 Words   |  17 PagesConstantine the Philosopher University in Nitra Faculty of Arts Department of English and American Studies Stylistic Analysis of Barrack Obama ´s Presidential Victory Speech Iveta Vondrà ¡kovà ¡ Nitra 2012 Content Introduction ..................................................................................................................... 3 1 Basic characteristics .................................................................................................... 4 1.1 References from theRead MoreA Linguistic Analysis of Obama’s Inaugural Address9492 Words   |  38 PagesRhythm and Rhetoric: A Linguistic Analysis of Obama’s Inaugural Address Liilia Batluk Supervisor: Stuart Foster School of Humanities Halmstad University Bachelor’s thesis in English Acknowledgment My appreciations to my supervisor Stuart Foster for very helpful advice during the research. Abstract In this essay I shall analyze Barack Obama’s Inaugural Address, January, 2009 from the perspective of various linguistic techniques. More specifically, I shall propose and focus on the idea that theRead MoreThe Doctrine Of Free Trade1612 Words   |  7 Pagesboth the Republicans and Obama has been ‘defensive protectionism’, which as previously mentioned provides ad-hoc import relief for specific industries on a case by case basis. This section will thus tackle two key myths with regards to US trade politics: firstly the notion that Obama’s protectionism represents a new trade policy in the US and secondly that Republican Presidents have consistently adopted a free trade at all costs agenda. In order to maintain the focus on Obama, this section will be heavilyRead MoreLogical Reasoning189930 Words   |  760 PagesReasons ................................................................................................ 236 Deceiving with Loaded Language ................................................................................................... 238 Using Rhetorical Devices .................................................................................................................. 240 Review of Major Points .............................................................................................

Social Media and Impact on Consumers Behaviour

Question: Discuss about the Social Media and Impact on Consumers Behaviour. Answer: Introduction: In the recent years, building social media presence has become an integral part of the e-commerce industry. The business firms use social presence to attract new customers and influence their perception. Due to the immense competition in the e-commerce industry companies use social presence to attract new customers and retain the older ones. The e-commerce businesses use blog pages and social media to increase brand awareness and increase the number of potential customers (Rawat and Divekar, 2014). A well-established business in a physical location builds an online presence to increase its sales and expand its customer base beyond the physical location. Many retailers are using internet to increase their product sales and attract more customers to their physical store. The customers use online medium to shop online or view the products and promotional offers offered by the business. It can be stated that online presence provides an advantage to the business organizations to expand their business. The online presence is an expansion of the physical store; however, several considerations are needed to launch a successful online presence. Building an online presence for s business is different from launching a new business online in several ways. The online customers are different from the customers who walk into the physical store. Therefore, it is important for the business to adopt an appropriate strategy for launching online business. The businesses have to launch new strategi es for advertising, pricing and shipping of the products through online mediums. A local firm faces several problems while launching an online business such as language barriers or social differences. For instance a website launching an e-commerce website in another country has to abide by the standardized sizes followed in different countries. Moreover, communicating effectively with online customers in different countries is also challenging for the online vendors (Consumer Dummies, 2016). Rampton (2016) have stated that the before making a purchase decision, a consumer searches about the company and the product online; therefore, the online presence can be stated as the first introduction of the company to the consumers. Thats why it is important for the companies to build a strong online presence. The online presence of a business organization builds its image, reputation and attracts potential customers. However, in the present times, most of the business organizations have an online presence; therefore, the companies must implement some strategies to distinguish themselves from their counterparts. In this regard, a company can create their website and optimize it so that it is mobile friendly. It is important that the website is simple and easy to use. The essential components of a website are an about us page, blog testimonials, blog and a contact address. Secondly, the companies should select a limited number of social channels to communicate with their customers on the basis of business type and communication type. The companies should focus on three most popular businesses LinkedIn, Facebook and Twitter. Blogs are also effective in giving a voice to the online brand and building trust with personally connecting with the consumers. Unique and quality content establishes a good reputation of the company. Security in e-commerce payment websites In the recent times, the online shopping has gained immense popularity due to its high accessibility, easy, quick and cheaper methods to make transactions and consumer purchase. The increasing use of the online transactions has raised the issue of internet security and privacy in financial transactions. The majority of the consumers who avoid online transactions do it due to their perception regarding internet security. Therefore, the ability of e-commerce website to build a successful online business is to combat the security threats and modify the consumer perception regarding internet security. In the internet security, the perceived availability, confidentiality and the non-denial of the services are essential components. These factors also play a key decision in the consumer purchase decision and the use of an e-commerce website. The security aspects of the site have implications on the consumers perceived usefulness, ease of use and attitude towards the website (Hartono et al., 2014). The business organizations are also needed to improve the security in online transactions to increase trust and it increases the use of e-commerce. The e-commerce websites must establish technical infrastructure which is resistant to the security attacks. Several technical protections and security protocols are established to protect the system from the security attacks. The security in the e-commerce website is dependent upon several factors, namely, technical infrastructure, transaction factors, such as secure payment according to rules and legal factors. The present security methods include encryption and authentication techniques wherein the identity and privacy of the customers are protected from fraudulent activities. In e-commerce websites, the security of the payment systems can be divided into two components, namely, integrity, which includes authentication of consumers, privacy and transferability, payer tracing and payment confidentiality. The e-commerce websites can incre ase the consumer trust by publishing security statements in which the companies can publish information regarding operations and security statements. It creates the information security which positively contributes to the purchase decision (Nah and Tan, 2016). There are two kinds of security threats in the e-commerce website, namely, the threat to the e-commerce website and the threat to the customers of the e-commerce website. An e-commerce merchandizer has to give highest priority to the security due to the large number of security threats. The merchandizers have to implement the right security in the first time, because it is almost impossible to recover from the security mistakes of the organization. In this regard, the e-commerce companies should store only the essential information of the customers. Several e-commerce websites store excessive information regarding the customers to create market insight; however, if the company loses this information it invites flak and creates distrust among the customers. The company should make a conscious decision to use internal transaction system to process their online decisions. Using external payment system increases the vulnerability of the system and increases the operational cost of the co mpany (Zorzini, 2016). Competitive advantage in e-commerce environment In the contemporary business environment, there is high competition among the business organizations and e-commerce companies due to saturation in the field and marginal profits. The consumers are becoming highly demanding; they want a personalized treatment, and suggestions to the products and services that better suit their needs. Therefore, it has become essential for the e-commerce companies to create a competitive advantage to increase their customer base. In regard to the e-commerce industry, the database marketing is considered as an essential tool for developing the competitive advantage of the companies. It provides the companies with opportunity to connect the customers and the vendors as per the new market trend. The companies can use the database marketing to make available the data in an appropriate structure so that the consumers can access it easily (Kahraman and Sari, 2016). It will improve the performance of the companies and provide them with support in the marketing activities. The database marketing refers to the direct form of marketing herein the companies directly communicates with their customers based on their previous transactions and provide customized suggestions according to their preferences. In the digital economy, the database marketing provides the customers a tool to enhance their market share and gaining competitive advantage (Kahraman and Sari, 2016). Along with it, there are other activities in research and development, production and marketing that enable a business organization to attain competitive advantage. The competitive advantage is referred to the distinctive competencies of a company which enables it to provide efficiency and customer satisfaction. An e-commerce organization can create a competitive advantage by providing superior services in relation to its counterparts. The companies can also offer the products at a lower price to increase customer base. The companies can also use the option of providing services at a local retailer to provide better services to the customers. The companies can better serve the customers who want to look at the merchandize before buying it or the customers who prefer to pick up the products instead of delivery services. The company can save on the delivery charges and simplify the pre-processing before placing the orders. This kind of strategies assists an e-commerce form to different iate itself from its competitors (Lee, 2016). The companies can increase the competitive advantage by enhancing the customer experience by integrating several customer experience strategies. In order to offer satisfactory consumer experience to all the customers, the companies need to design value proposition strategy to its customers. In the strategy development, the customer base should be divided into different segments and a unique value proposition should be developed for each customer. While making a transaction, a customer may interact with the sales person, support staff and the billing department. It is important that all the staff members acknowledge the organization culture of the company and support the company to provide unique experience to the customers. The companies can better develop their customer service strategies by identifying the needs of the consumers. By identifying the needs of the consumers, the company can exceed the expectations of the consumers (Gary, 2017) Consumer behaviour of online customers The major target market for the e-commerce companies is the online customer base. Therefore, recently, several researches are conducted to investigate the behaviour or the online consumers and the key motivational factors that affect the online purchase decision. The factors affecting the online purchase decision are different from the offline factors. Therefore, the marketing tactics employed by the e-business organizations are also different from the offline methods. Although the online shopping experience is quite popular to the consumers who want convenience and rapid transactions, several factors such as lack of trust, the need of examining the product and human interaction prevents them to buy online. The decision-making to buy a product online is also different from the traditional purchase decision. The consumers first see the online advertisements, seeking more information through online channels, comparing the choice of products, searching consumer reviews and brand image a nd at last making the purchase decision ((Veronika, 2013). In this regard, the website stricture, customer reviews and the brand name plays a specific role in the purchase decision. The well-organized information becomes crucial in supporting the purchase decision of thee consumers. The option to compare different products is the unique feature of online shopping. The variety of the products offered, information quality and the sales services are crucial in predicting the online purchase decision. From the above discussion it can be deduced that the major motivating factors in the online shopping are convenience, availability and assortment of the products and services, information availability and saving in terms of cost and time. The major motivating factor in the online shopping is the convenience offered to the consumers. The consumers can access online shopping twenty-four hours. Moreover, the consumers can also avoid online crowds and long queues with online shopping (Veronika, 2013). A few customers also avoid communication with the sales person as they feel uncomfortable to interact with them which increase the use of online shopping. Similarly, the information provided to the online customers is also significant in purchase decision. The consumers cannot physically test the product; therefore, they accumulate as much information as possible from the internet sources. They also access the online consumer reviews to check the viability of purchasing the product. Therefore, it becomes important for the e-commerce websites to provide all the necessary information to the customers. Along with it, the time and the cost efficiency also encourages the consumers to buy products online (Customer Service Skills, 2017). Social media is also an import in encouraging the customers to buy products online. Several e-commerce companies have pages or accounts on the social media that complements the information provided in the merchandizers website. It utilizes the information obtained by the feedback of the consumers and develops the band image of the organization (Ioan?s and Stoica, 2014). Social media marketing The social media marketing is the process of obtaining customers and attention of the online users through social media sites. The online marketers use social media to interact with the consumers and establishing a connection with them. In the social media feeds, new content, news stories are discovered which are basically a search activity and increases the knowledge of the customers of a specific brand. The social media marketing is commonly used by the e-businesses and the online companies to increase the customer base and audience of the company. A company can create a comprehensive social media strategy by following certain guidelines. It is important for a business organization to provide quality content all the time. In the social media marketing, the primary aim of the company is to increase its sales; however, instead of directly asking the consumers, the company should provide qualitative information and content. In the social media marketing, the companies focus on providi ng qualitative content to the consumers; however, the context of advancing the content should also be relevant otherwise the content will be futile in attracting the attention of the consumers (Tuten and Solomon, 2014). In social media marketing, the consumers interact with the companies, other customers and provide their feedback. It is important for the companies to listen to the feedback of their consumers. It will assist the companies in improvising the products and the services offered by them. In addition, most of the consumers post on the social media as they just want to listen. Responding promptly to them and solving the consumers queries will increase the consumer satisfaction in the buying process (Youtube, 2013). The most commonly used social media sites are Facebook, Instagram and Twitter. The companies use these marketing channels to establish marketing communication and achieve branding goals. The companies share videos, content and images to distinguish themselves from their counterparts, establish a brand image, increasing the traffic to the website, lead conversion, establishing a unique brand identity and enhancing the brand conversion. In the social media marketing, planning is t he foremost thing. The companies can emphasize on doing keyword research and research several ideas that can better connect the company to its target market. Moreover, it is also important for the company to create a consistent brand image using the social media. In the social media marketing strategy, the companies use different marketing channels to communicate with their customers. The voice and the environment of each marketing channel is different; however, it is important that the business organizations should create a consistent brand image in all the social media platforms that reflect the core principles of the business. Blogging is also an effective social media strategy to increase the customer base and provide comprehensive information related to the company. The company can blog about contests and events in the companys blog (Singh and Diamond, 2014). Role of Big data and predictive marketing The e-commerce industry is increasingly attracted towards the use of big data to improve the productivity of their operations. The e-commerce companies using big data are having 5-6% higher productivity than the other companies (Akter, Fosso Wamba, 2016). Big data is highly relevant to the companies in the e-commerce industry as it allows tracking the behaviour of one-time user and turning them into repeated consumers. With big data, the companies can utilize the user data in an effective manner and enhance their decision-making in strategic business decisions. With big data, the companies benefit in buyer-consumer interaction and bargaining or sales monitoring. The companies can also identify loyal customers, determining the prices of the product and identifying the quality issues in the products. Big data and predictive modelling brings together the management talent and technology to support the argument that these three are effectively entangled with each other. Therefore, big da ta is a holistic approach that builds the competitive advantage of the company by bringing together source, data and skills (Akter, Fosso Wamba, 2016). According to Edosio (2014), the cheap computing abilities and the prevalence of internet have increased the popularity of big data in e-commerce companies. In the e-commerce industry, data is not considered as a by-product of the business transactions but as key information to provide insight to the consumer behaviour and adapting the search results and advertisements according to the taste of the customers. In the e-commerce industry, the data can be differentiated into structured data and unstructured data. The structured data refers to the regular data that a firm captures, like name, address and age. In contrast to it, the unstructured data refers to the data such as likes, preferences, tweets and videos. It provides key insight to the consumer preference and the social trends. Big data and predictive analysis is also important as the e-commerce industry is a dynamic industry and highly competitive industry. Most of the companies in the e-commerce industry are working at very thin margins; therefore, it is important to them to establish their competitive advantage. In the e-commerce industry, the largest expense comes in the form of consumer acquisition. Since, today the consumers have numerous choices for each product, it becomes critical for the e-commerce companies to convert the lead. In essence, big data and predictive modelling are used to enhance the consumer experience. The companies are using analytics to examine the buying path of consumer and consumer experience. Moreover, the e-commerce companies are using predictive modelling to determine the prices of their products. The companies have to regularly regulate the prices of their products based on the competition and the demand of the product. Predictive modelling is also used to predict what product the consumers are likely to purchase from their shopping behaviour, likes and searches on search engine. A common example of big data in e-commerce business is A/B testing. In this method, the business organizations use two version of web page with different details and use analytics to examine which version will remain more effective (Smith, 2016). References Akter, S. Fosso, Wamba, S. (2016). Big Data Analytics in ECommerce: A Systematic Review and Agenda for Future Research, Electronic Markets, DOI 10.1007/s12525-016-0219-0. Consumer Dummies. (2016). Small Business Marketing Strategies All-In-One For Dummies For Dummies. London: John Wiley Sons. Customer Service Skills. (2017). Customer Service Skills. Keeping.com. [Online]. Available at: https://www.keeping.com/customer-service/customer-service-skills/ [Accessed at: 10 January 2017]. Edosio, U. Z. (2014). Big Data Analytics and its Application in E-Commerce. E-Commerce Technologies, at University of Bradford, 1. Emicion Digital. (2016). Social Media Marketing. [Online]. Available at: https://emociondigital.com/wp-content/uploads/2016/07/Social-Media-Marketing.bmp [Accessed at: 10 January 2017]. Gary, H. (2017). 15 Must-Have Features for E-commerce Sites. Web Development. [Online]. Available at: https://www.searchenginejournal.com/15-must-have-features-for-e-commerce-sites/181974/ [Accessed at: 10 January 2017]. Hartono, E. et al. (2014). Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. Decisions Support Systems, 62, 11-21. Ioan?s, E. and Stoica, I. (2014). Social media and its Impact on Consumers Behaviour. International Journal of Economic Practices and Theories, 4(2), 295-303. Veronika, S. (2013). Motivation of Online Buyer Behaviour. Journal of Competitiveness, 5(3), pp. 14-30. Jantsch, J. (n.d.). 7 Essential Stages of Building a Total Online Presence. Duct tape Marketing. [Online]. Available at: https://www.ducttapemarketing.com/7-essential-stages-of-building-a-total-online-presence/ [Accessed on: 8 January, 2017]. Kahraman, C. and Sari, I.U. (2016). Intelligence Systems in Environmental Management: Theory and Applications. Berlin: Springer. Lee, I. (2016). Encyclopedia of E-Commerce Development, Implementation, and Management. Illinois: IGI Global. Nah, F.F. and Tan, C. (2016). HCI in Business, Government, and Organizations: eCommerce and Innovation: Third International Conference, HCIBGO 2016, Held as Part of HCI International. Springer. Rampton. J. (2016). 4 Ways to Grow Your Online Presence and Find More Customers. Forbes. [Online.] Available at: https://www.forbes.com/sites/johnrampton/2016/02/04/4-ways-to-grow-your-online-presence-and-find-more-customers/#3a1231be1687 [Accessed on: 8 January 2017]. Rawat, S. and Divekar, R. (2014). Developing a Social Media Presence Strategy for an E-commerce Business.Procedia Economcs and Finance 11, pp. 626-634. Singh, S., and Diamond, S. (2014). Social Media Marketing For Dummies. London: John Wiley Sons. Smith, M. (2016). Understanding Your Customer Using Data Analytics. [Online]. Available at: https://www.toptechnews.com/article/index.php?story_id=03200101IHK0 [Accessed at: 9 January 2017]. Tuten, T.L., and Solomon, M.R. (2014). Social Media Marketing. London: SAGE. Youtube. (2013).The Future of Social Media Marketing w/ Gary Vaynerchuk. [Online]. Available at: https://www.youtube.com/watch?v=0Qy9aLqhxcc [Accessed at: 10 January 2017]. Zorzini, C. (2016). Essentials of Ecommerce Security. Ecommerce-platforms.com. [Online]. Available at: https://ecommerce-platforms.com/ecommerce-selling-advice/essentials-ecommerce-security [Accessed at: 9 January 2017].

Insurance as a Tool of Risk Management Essay Sample free essay sample

Hindu doctrine gives the self-evident truth of the nature of insurance â€Å"Yat bhavathi cheapness nasyathi’ which means whatever is created will be destroyed. Hazard is hence inevitable in life. Business is a class of life. so in life and concern there are assortment of hazards. The purpose of all insurance is to protect the proprietor from a assortment of hazards which he anticipates by switching the loss suffered by a exclusive person to a professional risk- carrier in consideration for a little sum of premium. The nature of insurance depends on the nature of the hazard sought to be protected. The main assortments of an insurance contract are life. fire. Marine and in modern times new assortments have been added from clip to clip like liability insurance and 3rd party hazard. Insurance is a method of distributing over a big figure of individuals as possible fiscal loss excessively serious to be handily borne by an person. We will write a custom essay sample on Insurance as a Tool of Risk Management Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Thus it serves the societal intent. It is a societal device whereby unsure hazards of persons may be combined in a group and therefore made more certain ; little periodic part by the persons supplying a fund out of which those who suffer losingss may be reimbursed. In modern times. the occurrence of any event may be insured against a premium straight relative to the hazard involved on its occurrence. An component of uncertainness must be present in the class of the occurrence of the event insured against. in some instances. in about all non- life insurance contracts. the occurrence of the event is unsure while in life insurance the event is bound to go on nevertheless the clip is unsure. The establishment of insurance serves a two- crease intent. the immediate. short scope and proximate intent is to protect the single assured from any loss or harm to his life or belongings by administering the loss among a assortment of individuals through a media of professional risk- carriers. The far- sighted intent is to speed up economic growing of the state by mobilising financess for capital formation and helps in the constitution of a public assistance province. History OF INSURANCEThe roots of insurance might be traced to Babylonia. where bargainers were encouraged to presume the hazards of train trade through loans that were repaid ( with involvement ) merely after the goods had arrived safely- a pattern which was given legal force in the Code of Hammurabi ( c. 2100 B. C. ) With the growing of towns and trade in Europe. the mediaeval clubs undertook to protect their members from loss by fire and shipwreck. and to supply nice entombment and support in illness and poorness. By the center of the fourteenth century. as evidenced by the earliest known insurance contract. ( Genoa. 1347 ) . marine insurance was practically cosmopolitan among the nautical states of Europe. In London. Lloyd’s Coffee House ( 1688 ) was a topographic point where merchandisers. shipowners. and investment bankers met to transact concern. By the terminal of the eighteenth century. Llyod’s had progressed into one of the first modern insurance companies. In 1693. the uranologist Edmond Halley constructed the first mortality tabular array. based on the statistical Torahs of mortality and compound involvement. The tabular array corrected in the twelvemonth 17556 by Joseph Dodson. made it possible to break claims. They may besides render their services in finding the consideration of liability affecting accountants’ carelessness and for other professional carelessness instances. They may besides supply their cognition in rendering aid of fidelity insurance differences and insurance accounting differences. STATEMENT OF PROBLEM: The proposed survey aims to analyse the significance of hazard. clip of beginning of hazard in an insurance contract. the different types of hazards covered by assorted types of insurance. its benefits and the function of the life insurance corporation in pull offing hazards. Nature OF INSURANCE CONTRACT1 ) Contract of insurance is non a wagering contract. It is sometimes argued that insurance is a chancing activity as there is uncertainness in both the instances and payment in both the instances is made on occurrence of some event. It is non so. there is a difference. The contract of insurance is a legal contract enforceable at jurisprudence. whereas beting contract is illegal and can non be enforced at jurisprudence. An insurance contract is a contract of extreme good religion but this component is losing in beting contract. Insurance contract has an component of insurable involvement but this is absent in a wagering contract. Insurable involvement is the involvement of such a nature that the owner would be financially insured by the happening of the event insured against. There has to be a capable affair to see in an insurance contract. Absence of insurable involvement renders the contract a nothingness. In instance of insurance contract. hazard of loss or amendss is bing whereas in instance of beting contracts. the hazard is created by both the parties. 2 ) Principle of insurance: All insurance contracts except the life insurance contract are contracts of insurance. The rule means that the insurance company undertakes to indemnify the insured against the loss suffered by the insured hazard. It means to do good the loss and to put the insured every bit far as possible in the same fiscal place in which he was before the occurrence of the insured hazard. This rule helps to maintain the premium at a low degree and helps in avoiding an anti- societal act. Meaning OF Hazard: A contract of insurance is a contract under which the insurance company undertakes to protect the insured from a specified loss it occurs. The insured is afraid of loss which is called the hazard of loss and the insurance company undertakes to indemnify him from the appreciated loss it occurs for a consideration called the premium. The insurance company calculates the premium harmonizing to the chance. nature and extent of hazard from which the insured desires to be protected. The hazard of loss is co – extensive with the value of the insurable involvement the insured has. The insurance company fixes the premium harmonizing to the nature. measure. quality and chance of the hazard desired to be covered by the policy. The finding of dimensions of hazard covered by the contract is of import to both the parties. Hazard remains the hazard till the occurrence of the eventuality. Once the eventuality happens it becomes a definite loss and against this loss the insurance company seeks to indemnify the assured. Scope OF Hazard The insurance company indemnifies the insured merely against the loss caused during the period insured. for which the direct and proximate cause is the hazard insured against. In The Wilson Son’s and Co v. Xantho the range of the hazard is described as: It is unfastened to the parties by understanding to widen or restrict the liability of the insurance company in regard of the operation of the hazard. In the absence of such an understanding: 1 ) The hazard includes a ) the loss caused. i. e. hazard brought approximately by the carelessness non merely of the insured but even by his retainers or aliens. and B ) hazard brought about wilfully or maliciously by the insured’s retainers or aliens. but 2 ) The hazard does non include a ) loss caused by the wilful misconduct of the insured or caused with the convenience whether it amounts to a offense or non. B ) loss due to ordinary wear and tear and degree Celsius ) built-in frailty of the topic affair insured as in vitamin D ) and e ) the hazard is such that it must go on and the hazard in insurances is that which may go on and non which must go on. In the instance of Vikram GreenTech Ltd v. New India Assurance Co. Ltd. where the plaintiff in error had insured his poly- houses in a flower gardening undertaking. The proposal form clearly mentioned that merely six poly houses were to be insured. The insured claimed losingss for houses 7. 8A every bit good as 8B which were non expressly mentioned in the proposal signifier. The Supreme Court opined that an insurance contract. is a species of commercial minutess and must be construed like any other contract to its ain footings and by itself. In a contract of insurance. there is demand of uberimma fides i. e. good religion on the portion of the insured. Except that. in other respects. there is no difference between a contract of insurance and any other contract. The four necessities of a contract of insurance are. ( I ) the definition of the hazard.( two ) the continuance of the hazard.( three ) the premium and.( four ) the sum of insurance. Since upon issue of insurance policy. the insurance company undertakes to indemnify the loss suffered by the insured on history of hazards covered by the insurance policy. its footings have to be purely construed to find the extent of liability of the insurance company. The enterprise of the tribunal must ever be to construe the words in which the contract is expressed by the parties. The tribunal while interpreting the footings of policy is non expected to venture into excess liberalism that may ensue in re-writing the contract or replacing the footings which were non intended by the parties. The insured can non claim anything more than what is covered by the insurance policy. The National Claim every bit good as the Supreme Court rejected the claim of the insured. TYPES OF RISKS COVERED BY INSURANCEPure RISKS: A pure hazard offers no chance of addition. It offers merely the possibility of loss. or at best the saving of position quo. Examples of pure hazard are fire. inundation. accident. decease. etc. These are the sorts of hazard which usually are the topic of insurance. Pure hazards are handled as operational and safety issues by professionals and finance forces have to turn to the hazards originating out of failure of above operational and safety steps. Such hazards can non be against public policy. Together they need to guarantee that the organisation is able to defy any hazards or failure of systems and can go on its operations without much battle. The Risk Management and Insurance Planning is required for any organisation to reexamine their hazard direction schemes and to choose for hazard transportation steps like availing insurance screen etc. Bad Hazards: besides known as entrepreneurial hazards. these offer the possibility of additio n or of loss. Trading hazards fall within this class. Generally such hazards are non insurable. Provision against the possibilities of loss with this type of hazard is normally made by commercial minutess or by specific direction determinations. such as diversifying concern activities. TYPES OF RISKS COVERED BY DIFFERENT TYPES OF INSURANCE Life Insurance: provides a pecuniary benefit to a deceased’s household or other designated donee. and may specifically supply for income to an insured person’s household. entombment. funeral and other concluding disbursals. Life insurance policies frequently allow the option of holding the returns paid to the donee either in a ball amount hard currency payment. or an rente. Marine insurance covers different types of hazard during the sea ocean trip. The insured can choose the different types of hazard. which may originate during the ocean trip and insurance company will merely liable to counterbalance the mentioned or selected hazard. The undermentioned types of hazards and hazard are by and large covered under Marine insurance 1 ) Hazards of sea: Hazards of sea agencies unknown or excess ordinary accident such as hit with sea hazard or other another ship. accident. in deficiency of pre-knowledge. sea air current. etc. which may damage the ship. The insurance company is apt to counterbalance the mentioned hazards of sea but ordinary gale. moving ridges. wear and tear and non included. 2 ) Hazards of fire: Fire hazards are related to loss or harm due to fire on history of coal. electricity. H2O used for snuff outing fire. lightening. detonation. etc. Insurance company covers harm merely if the fire occurs by chance. 3 ) Jettison: It means intentionally throwing off the lading or portion of ship into the sea to do the ship igniter. If this act is done for the safety of the ship so insurance company will counterbalance the loss but if this act is done with out any ground so insurance company will non liable to counterbalance the loss. 4 ) Simony: When a unlawful act volitionally committed by the crew is known as simony. Such as larceny. puting fire on ship. deceitful sale of lading. etc. The insurance compensate is labile to indemnify the loss against the simony hazard. 5 ) War hazard: Enemy state may damage the ship. capture t he ship during the war clip. Insurance company compensates the loss against war hazard. 6 ) Land hazard: Insurance company besides covers the land hazard and include â€Å"warehouse to warehouse† clause. It compensates the harm or loss through hazard while transporting goods from one ware house to another. Motor Insurance It is likely the most common signifier of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured’s vehicle itself. Motor insurance is extended over autos. commercial vehicles. trains and dawdlers. every bit good as bikes. FIRE INSURANCE Fire: Destruction or harm to the belongings insured by its ain agitation. natural warming or self-generated burning or its undergoing any warming or drying procedure can non be treated as harm due to fire. For e. g. . pigments or chemicals in a mill undergoing heat intervention and accordingly damaged by fire is non covered. Further. combustion of belongings insured by order of any Public Authority is excluded from the range of screen. Lightening: Lightning may ensue in fire harm or other types of harm. such as a roof broken by a falling chimney struck by lightning or clefts in a edifice due to a lightning work stoppage. Both fire and other types of amendss caused by lightning are covered by the policy. Explosion/ Implosion: Explosion is defined as a sudden. violent explosion with a loud study. An detonation is caused inside a vas when the force per unit area within the vas exceeds the atmospheric force per unit area moving externally on its surface. Implosion means spliting inward or prostration. This takes topographic point when the external force per unit area exceeds the internal force per unit area. This policy. nevertheless. does non cover devastation or harm caused to the boilers ( other than domestic boilers ) . economizers or other vass in which steam is generated and machinery or setup topic to centrifugal force by its ain explosion/ implosion. These hazards can be covered in a Boiler A ; Pressure Plant Insurance Policy. which is specially designed to manage these hazards. Aircraft Damage: The loss or harm to the belongings ( by fire or otherwise ) straight caused by aircraft and other aerial devices and/ or articles dropped there from is covered. However. devastation or harm ensuing from force per unit area moving ridges caused by aircraft traveling at supersonic velocity is excluded from the range of the policy. Any loss caused by public violence. terrorist act. etc: Any loss or physical harm to the belongings insured straight caused by such activity or by the action of any lawful governments in stamp downing such perturbation or understating its effects is covered. Further the willful act of any striker or locked out worker. in connexion with a work stoppage or a lock out. or the action of any lawful authorization in stamp downing such act. ensuing in seeable physical harm by external agencies. is besides covered. Malicious act would intend an act with malicious purpose but excepting skip of any sort by any individual. ensuing in seeable physical harm to the insured belongings. whether or non the act is committed in the class of perturbation of public peace or non. Burglary. break-in. larceny or theft does non represent a malicious act for the intent of this screen. Entire or partial surcease of work or the retarding or break or surcease of any procedure or operations ; or. lasting eviction ensuing from arrogation. hijacking. requisition or devastation by order of the Government or any legitimately established authorization ; or permanent or impermanent eviction of any edifice or works or unit or machinery ensuing from the improper business by any individual of the same or bar of entree to the same. are non covered. Storm. Cyclone. Typhoon. Tempest. Hurricane. Tornado. Flood and Inundation: Storm. Cyclone. Typhoon. Tempest. Tornado and Hurricane are all assorted types of violent natural perturbations that are accompanied by boom or strong air currents or heavy rainfall. Flood or Inundation occurs when the H2O rises to an unnatural degree. Flood or flood should non merely be understood in the common sense of the footings. i. e. . inundation in river or lakes. but besides accretion of H2O due to clogged drains would be deemed to be flood. These ha zards are non thorough. Elements OF Hazard Hazard depends upon assorted elements of the event insured against in its go oning Oklahoman or subsequently. These fortunes must be disclosed by the insured and the insurance companies by and large calculate the premium with mention to these elements: In life insurance. the hazard depends upon: I ) Habits in life or manner of life.two ) Healththree ) Occupationfour ) EnvironmentV ) Position and position in life.six ) Fictional character.seven ) Heredity.eight ) Previous unwellness. andnine ) Opportunities for exposure to particular dangers.In belongings ( includes motor every bit good as fire ) insurance the hazard depends upon: I ) The nature of the belongings like movable or immoveable belongings. perishable or otherwise. two ) Character and fundamental law. three ) Area.four ) Situation and vicinity.V ) Exposure to outside dangers.six ) Inherent defect.seven ) Use and wonts of the assured.eight ) The rubric to the belongings.In Marine insurance the hazard depends upon:I ) Ocean trip and its nature.two ) The path of the ocean trip.three ) The air currents and the storms in the vicinity.four ) The danger of war. gaining control and ictus.V ) Pirates.six ) Mutiny of the crew.seven ) Rebellion of indigens and unsafe seashores. Beginning of hazard: On the portion of the insurance company the hazard commences when the insurance company accepts the proposal and the suggester deposits the first premium. In instance the insurance company gives acceptance conditionally. the original suggester has to follow with those conditions foremost so it becomes the clear credence by the insurance company. These conditions may be associating to payment of premiums or excess premiums or to follow with certain statutory demand. Mere aggregation of sum of premium does non mean that the proposal is accepted. Some formalities besides have to be completed before the payment becomes acceptable. In LIC of India v. Raja Vasireddy Komalavalli Kamba. contract of insurance was to be concluded merely when the party to whom an offer has been made has accepted it unconditionally and communicated its credence to the individual doing the offer. Silence does non ensue in a binding contract. CIRCUMSTANCES AFFECTING THE RISKThere are certain stuff facts which must be disclosed by the insured as it affects the hazard to be undertaken by the Insurance company. In instance of life insurance the age of the assured. his wellness. wonts. etc have to be considered while repairing the premium sum. The Insurance Act. 1938 in Section 45 says that. Nothing in this subdivision shall forestall the insurance company from naming for cogent evidence of age at any clip if he is entitled to make so. and no policy shall be deemed to be called in inquiry simply because the footings of the policy are adjusted on subsequent cogent evidence that the age of the life insured was falsely stated in the proposal. The wonts of life. past and present which tend to shorten life must be disclosed like usage of opium. baccy or intoxicant. Questions about past unwellness are to be treated otherwise with that of the present province of wellness. The latter are affairs of sentiment. Consultations done in ea rly childhood can non be regarded as stuff facts. Information sing the business is indispensable to understand the nature of the hazard. If it is a unsafe business like a soldier. crewman. pilot or a workingman in an ammo mill. the insurance companies charge a higher rate of premium. UTMOST Good FAITH PRINCIPLE The insurance contract is a contract ubberrima fide and hence if the assured has non disclosed all the material facts. the insurance company can avoid the contract. It is a pattern of insurance companies to infix a clause in the policies and proposal signifiers to declare that all the replies stated in the proposal organize shall organize the footing and portion of the footings of the contract in the policy. By such a declaration. the insurance company has a right to avoid the policy with a little fluctuation in revelation of material facts. This regulation was mitigated by Section 45 of the Life Insurance Act. It laid down that No policy can be challenged after two old ages from the day of the month of policy on the land that any statement made in the proposal or in any study of the medical officer or any papers is false or inaccurate unless it is material to unwrap and it was fraudulently made and the policy holder knows at the clip that it was false or he suppressed the fact which was stuff to unwrap. In Mithoolal v. Life Insurance Corporation. the respondent challenged the policy after two old ages of issue as the assured had fraudently suppressed facts. It was held that the latter was non apt. In Suresh. P. V v. Insurance Ombudsman and another MATERIAL FACTS:The ailment was filed by the suppliant as the ombudsman had rejected the claim of his asleep married woman under the Life Insurance Policy. The petitioner’s married woman took an insurance Policy for 50. 000 from Life Insurance Corporation of India. She died on history of cervical malignant neoplastic disease. Before her decease. she paid 10 quarterly premium due on her policy. On the decease of the life assured. the petitioner’ claim for the insurance sum as per the policy. was repudiated by the LIC on the land that the life assured had lied about non being admitted to any infirmary or nursing place for general check-up. observation. intervention or operation and was non enduring from any disease. The insured had undergone intervention at a infirmary for Rheumatoid Arthritis three old ages before the policy commenced. The Corporation alleged suppression of material facts. Cancer was detected merely after the policy was taken and it was the proximate caus e of decease. The Corporation under Section 45 of the Insurance Act. 1938 has to turn out that ISSUES RAISED I ) Whether there was non-disclosure is of a stuff fact? ( two ) Whether there was deceitful suppression made by the policy holder? ( three ) Whether the policy holder knew at the clip of doing the contract that the information given by the assured was false or that she has suppressed facts which it were material to unwrap? four ) Whether the renunciation of claim by Life Insurance Corporation was valid under Section 45 of the Insurance Act. 1938? Analysis The Kerala High Court referred to Mithoolal Nayak v. Life Insurance Corporation of India every bit good as Life Insurance Corporation v. Asha Goel instance. The High Court held that it is non sufficient to turn out that the statements were false. The Corporation has to turn out that the false statements made by the petitioner’s married woman were fraudulently made by her and that she must hold been cognizant at the clip of doing the statement that the same were false and there was in fact suppression of stuff fact. She was an illiterate adult female and she suppressed the fact of holding arthritic arthritis unwittingly and non fraudulently. Judgment: Finally the tribunal held that the renunciation of the claim of the suppliant was illegal and unsustainable. RISK MANAGEMENTBasic stairss in hazard direction are:a ) Identifying hazard:B ) Quantifying hazard:degree Celsius ) Recommendationsvitamin D ) Monitoring consequences.Risk direction ensures that an organisation identifies and understands the hazards to which it is exposed. Risk direction besides guarantees that the organisation creates and implements an effectual program to forestall losingss or cut down the impact if a loss occurs. A hazard direction program includes schemes and techniques for acknowledging and facing these menaces. Good hazard direction doesn’t have to be expensive or clip consuming ; it may be every bit unsophisticated as replying these three inquiries: 1. What can travel incorrect? 2. What will we make. both to forestall the injury from happening and in response to the injury or loss? 3. If something happens. how will we pay for it? Insurance is merely a portion of a entire risk- direction programme. While hazard direction and insurance are closely related. insurance entirely is non risk direction. Risk direction is far broader and includes the constructs of avoiding. forestalling. and minimising loss. In add-on. hazard direction references methods other than insurance for reassigning the fiscal effects of losingss that do happen. Risk Appraisal: Insurance requires the appraisal of hazards so that they can be recognized and priced. Risk Pricing: Insurance puts a pecuniary value on hazards. Insurance can assist reconstruct the well-being of a policy holder after a daze. Besides. if good designed. insurance can make inducements for policy holders to cut down hazardous behaviour. Risk direction provides a clear and structured attack to placing hazards. Having a cl ear apprehension of all hazards allows an organisation to step and prioritise them and take the appropriate actions to cut down losingss. BENEFITS OF RISK MANAGEMENT: Risk direction has other benefits for an organisation. including: * Salvaging resources: Time. assets. income. belongings and people are all valuable resources that can be saved if fewer claims occur. * Protecting the repute and public image of the organisation. * Preventing or cut downing legal liability and increasing the stableness of operations. * Protecting people from injury. * Protecting the environment.* Enhancing the ability to fix for assorted fortunes.* Reducing liabilities.* Assisting in clearly specifying insurance demands. An effectual hazard direction pattern does non extinguish hazards. However. holding an effectual and operational hazard direction pattern shows an insurance company that his organisation is committed to loss decrease or bar. It makes his organisation a better hazard to see. ROLE OF INSURANCE IN RISK MANAGEMENT Insurance is a valuable risk-financing tool. Few organisations have the militias or financess necessary to take on the hazard themselves and pay the entire costs following a loss. Buying insurance. nevertheless. is non risk direction. A thorough and thoughtful hazard direction program is the committedness to forestall injury. Risk direction besides addresses many hazards that are non insurable. including trade name unity. possible loss of tax-free position for voluntary groups. public good will and go oning donor support. The Courts in assorted judgements have opined that the staff of insurance companies should give prompt and effectual service to the people and efficaciously pull off the personal businesss of the life insurance companies. The instances are as follows: In the landmark instance of Life Insurance Corporation of India v. Asha Goel. the Supreme Court observed that â€Å"The Corporation has grown in size and at present it is one of the largest public sector fiscal projec ts. The policy-holders and the populace at big look frontward to motivate and efficient service from the Corporation. Therefore the governments in-charge of direction of the personal businesss of the Corporation should bear in head that its credibleness and repute depend on its prompt and efficient service. Therefore. the attack of the Corporation in the affair of renunciation of a policy true issued by it should be one of extreme attention and cautiousness. It should non be dealt with in a mechanical and everyday mode. † In the instance of Life Insurance Corporation v. Anuradha. the tribunal observed that Life Insurance Corporation is a societal public assistance establishment and it should believe of inventing a policy available in insurgence afflicted parts which would take attention of the assured and his household members in such countries. In short the Supreme Court hinted that the footings and conditions of the insurance policies in the insurgence affected countries should be suited in conformity with the demands of the people in such countries. In United India Assurance Co. Ltd v. Hasan Sultan Nadaf. the National Commission did non O.K. the pattern of the insurance companies to do feeble alibis in order to get the better of the echt claim of the insured. In this instance the claim of the insured was rejected on the land that the proprietor of the shed of the mill had no insurable involvement in it. This pattern was held to be indefensible and a square alibi to improperly reject the claim. The policy should hold been issued after inspecting the shed and if the factum of insurable involvement was non verified so it meant that the insurance company was foolhardy. flagitious and behaved in a manner that was damaging to the involvement of the consumer. Decision Hazard is a load non merely to the person but to the society every bit good. There exists several techniques for managing of hazard of which insurance is the most practical method for managing hazards. Insurance nevertheless does non ever to the full counterbalance the insured for losingss suffered. This may be the consequence of restriction of the liability accepted by the insurance company. hapless direction of case by the insured leading to breach in screen or uninsurable losingss. Insurance therefore reduces the frights of future hazard to the person insured and by capital formation it helps the growing of the industry. accelerates production. lubricates the machinery of production and distribution and improves the economic system of the state. It mobilizes the resources. accelerates and stabilizes growing and helps in the constitution of a public assistance province. After opening up of the insurance sector. Insurance Regulatory and Development Corporation. has monitored the ope rations of the insurance companies. It tries to protect the involvements of the consumers and helps in the fiscal soundness of the insurance industry. The insurance sector plays a critical function in the procedure of economic development of any state. It acts as mobiliser of nest eggs. as fiscal intermediary. as booster of investing activities. as stabilizer of fiscal markets and as a hazard director. Insurance services lead to efficient and productive allotment of capital resources. facilitate growing of trade and commercialism. replacement for authoritiess societal security programmes. and assist persons and houses in efficient direction of hazards. Post 9/11 onslaught the CEO’s of major companies in the universe have realized the demand for equal insurance in all perceptible countries impacting their company. It can be safely be assumed that the insurance market has enormously improved after globalisation. It will surely increase insurance incursion and all professionals every bit good as populace at big should work the chances offered by this sector. Bibliography * Murthy A ; Dr Sharma. â€Å"Modern Law of Insurance† . 4th edition. Lexis Nexis Wadhwa Nagpur. ( 2009 ) * Srinivasan M N. Principles of Insurance Law. Wadhwa A ; Company Nagpur. ( 2006 ) * Verma. Upadhyay. Srivastava. â€Å"Risk Management in Banking and Insurance† Deep and Deep Publications. ( 2007 ) * Ratanlal and Dhirajlal. ( 2004 ) â€Å"Law of Insurance† Lexis Nexis: Butterworths. Wadhwa. Nagpur. WEB RESOURCES hypertext transfer protocol: //www. manupatra. com/hypertext transfer protocol: //www. indiankanoon. org/doc/559952/hypertext transfer protocol: //www. ibc. ca/en/Business_insurance/risk_management/

A History of Terror Films essays

A History of Terror Films essays Little twelve-year-old Tommy Jones stood at the newsstand counter. All he had in his hot little hand was $.50. His whole weeks allowance. A princely sum for those days. After all, this was the summer of 1965. These were the years of civil uprise, the Beatles, and the peak of the monster craze. So here was little Tommy, contemplating what to do next. You see, a certain magazine caught his attention. A ghastly image of a werewolf graced the cover. In all its graphic gore, the werewolf snared out at him. Tommy had never seen anything like it before. He was held transfixed by the image of the werewolf on the cover. With trembling hands, he took the magazine off the rack. Leafing through the magazine he sees all these pictures of monsters. Dracula, Frankenstein, The Wolfman, and The Mummy, all these great images. He just had to have this book. But $.50! His whole weeks allowance. He would not have anything left for later if he bought this book. Why for $.50 he could get three comic books and still have enough for a couple of candy bars. He decides that the comics and candy will have to wait. He brings the magazine to the clerk and hands over his hard earned money and he takes possession of his new prize. This magazine had a peculiar title; Famous Monsters of Filmland. And it was filled with picture after picture of all the grand monsters of the silver screen. Karloff, Lugosi, Chaney, Frankenstein, King Kong, The Creature from the Black Lagoon. They were all there. Tommy takes the magazine home and is initiated into a strange new world of monsters and other ghastly images. 1965 was the year of the monsters. The Addams Family, The Munsters, The Outer Limits were the top TV shows of their day. TV in particular had become horror happy, showing the old classics of Boris Karloff, Bela Lugosi, Lon Chaney Jr., Frank ...

The advantages and disadvantages of social media Essay

The advantages and disadvantages of social media - Essay Example Indeed, the 21st century has people with the highest access to information as compared to other generations. They read news through Facebook, updates on Twitter and other social sources. Apart from communication, social media has also improved the working environment. It allows employees and employers alike to post ideas, ask questions and share good links that either improve relationships or the working environment. Notably, this has helped in facilitating business growth. Additionally, social media open the playing field for business contacts. Certainly, this is because of the wide audience ranging from adults to youths. Additionally, it has served as a recruitment tool that expands market research instruments, direct clients to specific websites, and most propel marketing campaigns. In the professional fraternity, social networking initiates a like-minded platform where academicians and scholars share ideas and important research. According to Bozarth, â€Å"a blog can even be us ed to host an entire online course.† (Bozarth 84) From this perspective, the process has expanded the horizon of knowledge leading to more discoveries and exposure. Among the many disadvantages, one cannot fail to capture the social ills associated to the discovery. Notably, hackers have been on the rise mainly in social media. They commit fraud, initiate virus attacks and launch spam problems that expose personal information. People have also fallen prey for online frauds leading to identity theft and other online swindles. Identifying genuine users of social media is currently the main challenge in the social media fraternity. Conceivably, this is because of people targeting the unsuspecting users hence reducing ethical levels of the modern trend. Interestingly, social media is not only a communications site but also a legal playing field. The legal consequences of postings between employees and

Auditor's Professional Ethics and Legal Liability Essay

Auditor's Professional Ethics and Legal Liability - Essay Example instance, ‘Compensation’ though is a legitimate action it can become unethical when the top executives of companies fix ‘excessive compensation’ for themselves (Anthony, 2004, p.28). Accountants and auditors must have a code of conduct so as to coordinate their work and to fix a standard for their actions. The significance of the predetermined code of conduct is that it enables accountants and auditors to carry out their duties and responsibilities more accurately and transparently. The code of conduct remains to be an assessment tool for management to evaluate employees’ professional ethics based on their performance. In order to uphold the reliability and integrity of the profession auditors must comply with legal and ethical norms of the firm. For instance, an auditor should not reveal the audit report or any information concerned with the firm under audit to any persons or companies other than to the management which assigned the audit work. It is very difficult to bring out a fraudulent action if it is committed by persons at the higher level of the management. However, auditor should take all possible efforts to reveal the organizational misconduct of any sort. The auditor being held criminally liable under current regulations may suffer cash fine or imprisonment subsequent to his/her mistake on the concern. The punishment may also differ for intentional and unintentional mistakes which have committed during the course of audit. An auditor can minimize his legal liability by submitting audit memorandum in order to prove that he has discharged the responsibilities correctly. Audit memorandum is a personal document of the auditor which consists of all details and explanations of audit work he/she had performed. This document helps to defend the auditor in case of lawsuits and thereby minimizes his/her legal liability. Individuals like accountants, managers, and auditors play significant roles in the sustainable profitability of a firm. If the

Relationship between Aggression and Parenting Styles

Relationship between Aggression and Parenting Styles 5.1  Introduction This chapter includes the summary of the study, the conclusion derived from the study. The implication of the study and the limitations are also discussed in this chapter followed by the future research suggestions. 5.2  Summary The purpose of the study was to the level of aggression, between adolescents with different styles of perceived parenting style of their fathers. The sample included101 adolescent girls and boys, belonging to the age group of 14 to 16 years coming from various schools of Pune city. The sample included boys and girls from middle class population who were English speaking.The adolescents included in the sample had working fathers and homemaker mothers. The adolescents were categorized into three groups based on their perceived parenting styles of their father. The tools used in the study were Buss and Perry Aggression Questionnaire (Buss Perry, 1992) to measure Aggression among adolescents and the Parental Authority Questionnaire (Buri, 1991) was used to assess the perceived parenting style. The research design used was non-equivalent multi group post-test design. The sampling method used for this study was Random sampling. Permission was acquired from the various schools selected to participate in the study. After the permission was granted, the target sample (adolescent students) was requested to participate in the study. The questionnaires were handed over to the students and instructions were given. The independent variables parenting style had three levels namely Permissive, Authoritarian and Authoritative. These levels were made into three groups. The mean score on each group was calculated as well as the standard deviation. All candidates whose score lay above the â€Å"one standard deviation up† score were included in the group. Thus the three groups were formed. Since there were three levels of the independent variable giving three mean scores the statistical analysis used for the study was ANOVA. Based on literature review the following hypotheses were formulated. Aggression will be significantly higher among adolescents who have Authoritarian fathers than adolescents who have Authoritative fathers. Aggression will be significantly higher among adolescents who have Permissive fathers than authoritative fathers. Aggression will be significantly higher among adolescents who have Authoritarian fathers than Permissive fathers. Conclusion There was a significant difference in the aggression scores between adolescents who perceived their fathers to be Authoritarian and adolescents who perceived their father to be Authoritative. Thus concluding that, adolescents who perceive their father to be Authoritative are less Aggressive in comparison to adolescents who perceive their father to be Authoritarian. No significant difference was found between the aggression scores of adolescents who perceived their father to be Permissive and Authoritative. Similarly, no significant differences were found between adolescents who perceived their fathers to be Permissive and Authoritarian. 5.4  Implication It was concluded by the study that, adolescents who perceived their fathers to be Authoritarian were more aggressive in comparison to the other two groups. The findings can be used to Psycho – educate parents about the effect of Authoritarian parenting which may help preventing aggressive behaviours among adolescents. The same could be extended to a school setting too, where teachers are also made aware of the consequences of Authoritative interaction with their students. Also as the time spent by the adolescent with the father has been spoken about as a factor influencing aggression. These findings could be used to educate parents about the adequate amount of time that is required to be actively spent with their adolescent. This finding can also be used in future researches by comparing variables such as academic performance with perceived parenting styles. Further research could also include comparing mother’s parenting style and aggression. 5.5Limitation The sample did not include equal number of girls and boys which may have affected the results of the study. A common observation around the world is that males are more aggressive than females (Perry,Perry Weiss, 1989), as aggression is influenced by the male sex hormone testosterone (Dabbs, 1998). Therefore it could have been beneficial to include equal number of boys and girls to control gender differences. The sample included only middle class population. Not including the other social strata in the sample does not allow the sample to be a true representative of Pune city. Hence, the use of only Middle class sample would be counted as a limitation of this study. It was observed that a few responses of a few candidates were influenced by social desirability. This resulted in discarding of such response sheets thus affecting the sample size. The sample size was only 200 out of which only 101 could be included into the three groups made. This constitutes a very small percent of the total population of Pune city and hence the results cannot be generalized. Most of the literature review caters to the Western and European sample, whereas the sample included in this study belongs to the Indian population. In cultures such as African-American and Asian-American, adolescents tend to have less negative effects such as deviant aggressive behaviours as compared to other ethnic groups (Steinberg, 2001). Since there are culture differences found in aggression, culture may have played an essential role in influencing Aggression which may be counted as a limitation. 5.6  Suggestions The study had a number of drawbacksthat could be avoided in the future studies. To begin with, the limitations mentioned above could be looked into. Correcting the limitations of this study would represent the Population better and hence yield more apt results in turn. The most important suggestion would be to increase size of the sample. Since the present study consisted only of 101individuals, there is a possibility that the sample wasn’t represented best. With a larger sample the results may have been more accurate as the general population would be represented in a better manner. In future research it can be ensured that there is equal representation of each gender, as doing so would eliminate the effect of gender differences on the variable aggression. For future research it can be kept in mind that the sample may have equal number individuals from each socioeconomic class and not just middle class as done in this study. A sample that is inclusive of individuals from all classes would be a well represented sample and therefore the results may be generalized to the entire city being studied. Another suggestion for future studies done would be to add the variables that were not included in this study, such as number of hours the father spends with his adolescent. As it has been discussed earlier that number of hours the father spends with the adolescent is an important factor known to have an influence on the adolescent’s aggressive behaviours. Hence, controlling the number of hours the father spends with his adolescent could help avoid this factor to have an influence on the variable – aggression.

A Shot that Ricocheted through History Essay -- essays research papers

â€Å" A Shot That Ricocheted Through History†   Ã‚  Ã‚  Ã‚  Ã‚  Medgar Evers was a man who was not afraid to stand up for what he believed in. He believed that one-day blacks and whites would be able to associate with each other without racial interference. He would later die for what he believed and leave an example for all who was following in his path. The man believed to have shot him was tried three times and finally convicted in the third trial nearly thirty years after his death. Evers was seen as a martyr for all black to look up to.   Ã‚  Ã‚  Ã‚  Ã‚  As civil rights began to gain attention of the United States, blacks decided they needed to change their approach from court cases to a more nonviolent approach. On August 28, 1963, the movement reached its strongest points. They made a march at Washington D. C., and wanted to federal civil rights legislation to give them equal rights. This is where Martin Luther King gave his famous â€Å"I Have A Dream† speech. King believed that most whites were basically decent and when faced by love would allow injustice and brutality to continue. (Jordan) The nonviolent approach would prove to be a better approach for them in later times.   Ã‚  Ã‚  Ã‚  Ã‚  When blacks began charging their approach, they began preferring sit-ins. This all started at a public lunch counter at F. W. Woolsworth’s in Greensboro, North Carolina and began to spread to all public land counties across the south. As sit-ins became more common, they moved to other public places such as parks, movie theatres, swimming pools, libraries, lobbies, and many other segregated facilities. After several months of sit-ins, they began to become desegregated. Blacks also began a strong movement to get public schools desegregated as well. They finally succeeded with Ole Miss, when they accepted James Meredith into the school. President Kennedy also tried to help blacks by approaching the problem with caution. He did this by encouraging company with government contracts to hire black Americans.   Ã‚  Ã‚  Ã‚  Ã‚  On July 2, 1925 in Decatur, Ms, a black man by the name of Medgar Wiley Evers was born. Until he joined the Army in 1943, he attended school in Decatur. He served Normandy and to Alcorn to pursue his college education in which he majored in business administration. While there, he participated in many school... ...egacy of Evers is everywhere present today. This peaceful man, who had constantly urged that violence is not the way ,but paid for his beliefs with his life, was a prominent voice of struggle for civil rights in Mississippi.† Many people, including his wife paid tribute to him into years past. His wife wrote a book called For Us, The Living, but the best is said to be, Mississippi, Black History Makers. Ten years after his death it was recorded that there had been one hundred and forty five black officials elected to office in Mississippi, and that there was a black student in each of the states private schools. In 1970, the Department of Health, Education, and welfare said that twenty-six percent of black people in the Mississippi public schools system with at least fifty percent white enrollment. In 1913, there were only twenty eight thousand blacks registered voters, and by 1971 there were two hundred and fifty thousand. Even in 1982, there were five hundred thousand. (J DP) Though the hard work and struggle of one man was ended with death, the changed be brought about are still evident today. This has only made Mississippi a better and more peaceful place to live for all races. A Shot that Ricocheted through History Essay -- essays research papers â€Å" A Shot That Ricocheted Through History†   Ã‚  Ã‚  Ã‚  Ã‚  Medgar Evers was a man who was not afraid to stand up for what he believed in. He believed that one-day blacks and whites would be able to associate with each other without racial interference. He would later die for what he believed and leave an example for all who was following in his path. The man believed to have shot him was tried three times and finally convicted in the third trial nearly thirty years after his death. Evers was seen as a martyr for all black to look up to.   Ã‚  Ã‚  Ã‚  Ã‚  As civil rights began to gain attention of the United States, blacks decided they needed to change their approach from court cases to a more nonviolent approach. On August 28, 1963, the movement reached its strongest points. They made a march at Washington D. C., and wanted to federal civil rights legislation to give them equal rights. This is where Martin Luther King gave his famous â€Å"I Have A Dream† speech. King believed that most whites were basically decent and when faced by love would allow injustice and brutality to continue. (Jordan) The nonviolent approach would prove to be a better approach for them in later times.   Ã‚  Ã‚  Ã‚  Ã‚  When blacks began charging their approach, they began preferring sit-ins. This all started at a public lunch counter at F. W. Woolsworth’s in Greensboro, North Carolina and began to spread to all public land counties across the south. As sit-ins became more common, they moved to other public places such as parks, movie theatres, swimming pools, libraries, lobbies, and many other segregated facilities. After several months of sit-ins, they began to become desegregated. Blacks also began a strong movement to get public schools desegregated as well. They finally succeeded with Ole Miss, when they accepted James Meredith into the school. President Kennedy also tried to help blacks by approaching the problem with caution. He did this by encouraging company with government contracts to hire black Americans.   Ã‚  Ã‚  Ã‚  Ã‚  On July 2, 1925 in Decatur, Ms, a black man by the name of Medgar Wiley Evers was born. Until he joined the Army in 1943, he attended school in Decatur. He served Normandy and to Alcorn to pursue his college education in which he majored in business administration. While there, he participated in many school... ...egacy of Evers is everywhere present today. This peaceful man, who had constantly urged that violence is not the way ,but paid for his beliefs with his life, was a prominent voice of struggle for civil rights in Mississippi.† Many people, including his wife paid tribute to him into years past. His wife wrote a book called For Us, The Living, but the best is said to be, Mississippi, Black History Makers. Ten years after his death it was recorded that there had been one hundred and forty five black officials elected to office in Mississippi, and that there was a black student in each of the states private schools. In 1970, the Department of Health, Education, and welfare said that twenty-six percent of black people in the Mississippi public schools system with at least fifty percent white enrollment. In 1913, there were only twenty eight thousand blacks registered voters, and by 1971 there were two hundred and fifty thousand. Even in 1982, there were five hundred thousand. (J DP) Though the hard work and struggle of one man was ended with death, the changed be brought about are still evident today. This has only made Mississippi a better and more peaceful place to live for all races.

An every woman matters study Essay

In this country, many feel as though health care is a right of the citizens. I myself struggle with this idea as I do believe we need to address the health care needs of our country but do not feel responsible for those that make poor health care decisions on a daily basis and look for us as a country to care for them. With that same thought, I feel a responsibility to help those that are truly trying and are not offered health care benefits through their employers, and cannot afford to purchase health care insurance, as well as the underinsured. We have to take a stance of what is best for the whole. Our health system struggles with access to health services for everyone. The government is very focused on easing this access through its programs. In 1965, the passage of Medicare and Medicaid were revolutionary in that it provided coverage for the elderly and low income to include the disabled. While not perfect it opened more opportunities for access. In 2010, another revolutionary p olicy can into being with the passage of the Affordable Care Act (ACA). This pushes employers to either supply health coverage of face a penalty. For the smaller employers that offer coverage, in return they receive a tax credit. Again, this effort is to reduce those uninsured and underinsured in our country through federal policy (Kovner & Knickman, 2011). We are fighting an uphill battle with health care, because as we have tried to make health care more accessible to the citizens of this country we are seeing the cost rise at alarming rates. Kovner and Knickman (2011) points out that between 1999 and 2009 household income rose 38% while insurance premiums rose 131%. This creates more underinsured and uninsured Americans to care for which is an economic crisis for this country that we must address. We have to find new and different ways to overcome the economic obstacles we face with rising cost. Thaler (2013), in his article in The New York Times, says no single change will allow our health care system to be transformed into one that we need and that we need to try many new approaches that are not in lined with the typical way of thinking. He offers some suggestions that make a lot of sense. He says we should first look to change our way of thinking about services. He says we should be paying providers for keeping their patients healthy instead of paying for test and procedures. The federal government should protect providers with a proven quality record of care and from malpractice lawsuits. Patients can opt out of these providers  care but who would realistically do that given the quality they receive? Evidence-based practices should be employed with care to avoid unnecessary tests such as CT scans and M.R.I.’s that many times leads to more unnecessary, unrelated tests. He also believe more energy needs to be spent to employ pharmacist, nurse practitioners, and physician assistants and allow to practice to the fullest extent to allow to allow primary care physicians to spend more time with patients. The idea of promoting health to avoid health care issues is far less costly than treating a disease process once it arises. I am a firm believer in preventative medicine and not enough energy is place on this type of health care. We are far too focused on what I call reactive medicine. Improved quality has been proven through research to be more cost effective. All care should be evidence-based to help improve the quality and decrease cost in the long run. References Kovner, A. R., & Knickman, J. R. (2011). Jonas & Kovner’s Health Care Delivery in the United States (10 ed.). New York, NY: Springer Publishing Company. Thaler, R. H. (2014, February 23). Overcoming Obstacles to Better Health Care. The New York Times. p. BU6. Response