Proofreadoing of Teenage Character Paper Essay Example | Topics and Well Written Essays - 1500 words

Proofreadoing of Teenage Character Paper - Essay Example Marie answered without turning her face towards Noreen and said, â€Å" I am going to try-out for the Dance Team.† Noreen looked in amazement at Marie. Marie’s gaze was still fixed on the poster but now she had her hands resting on her heavy hips. Marie turned towards Noreen and nodded her head in anticipation of Noreen's inquiry. With an affirmative nod she said, â€Å"Yep that is just what I am going to do, I am trying out for the dance team.† Marie twirled around looking at herself in the mirror. She was wearing brown spandex ® tights and a gold leotard. She wrapped the dainty chiffon skirt that looked like it was infused with glitter around her full hips. She liked the way the fabric slid over her curvy body. Marie glanced at the clock. â€Å" Oh man, I’m going to be late.† She put on her thick sweater that fell just below her hips, about mid-thigh level. Marie opened the front door and stepped outside. The crisp fall air greeted her face and then acknowledged her body. She felt the cool air on her legs and glanced across the street to where Noreen lives, hoping for once Noreen would be standing outside waiting for her. Marie turned back to make sure she locked the door by jiggling the doorknob. She looked back towards Noreen's house as she walked down the steps and started across the street, warning out loud to no one, "Noreen, if you make me late ...† Just before Marie placed her foot on the first step of Noreen's porch, Noreen appeared at the door. She flung the door open and, in her usual bluster, almost half-out-of-breath said, â€Å"I’m sorry I am running late. Nellie would not get out of the bathroom†¦ and I had to fix my grandmother something to eat†¦ and I did not have time to eat myself, I will just have to eat my egg sandwich on the way†¦Oh, girl, let me make sure I have my keys.† Marie was not listening anymore, she had heard countless excuses as to why Noreen always seemed to be running late. Suddenly, it reminded her of the first time she met Noreen. Marie’s family had just moved to Merrill Street. The movers were bringing the last of the boxes into Marie’s new home and Marie's mom asked her to try to stay out of the way of the movers. So, Marie walked outside to take a look around her new neighborhood. She did not expect to see any older kids hanging out since it was a weekday and the kids would be in school. Marie was just standing outside on the porch looking at all her new neighbor's homes. The sound of a door opening caused Marie look across the street at a yellow house with a green door that suddenly flew open. A short and stout girl that looked to be around her age with big brown eyes and thick hair came rushing out of the door. Marie waved and said hello to the girl. The girl walked over and said, â€Å"Hi my name is Noreen, what’s your name?† â€Å" Hi, I’m Marie.† The two girls chatted on for a whil e, and then Noreen abruptly stopped mid-sentence and said, â€Å"Sorry, I have to run, I am late for school.† Marie yelled to Noreen, â€Å"Say, what time does school start anyway? â€Å" Noreen turned back in reply, â€Å" 8 o’clock!† Marie looked down at the time on her cell phone. It read 8:45 am. She watched Noreen storm down the sidewalk towards the school. Back in the present, Noreen interrupted her thoughts again. "I forgot to get some lunch money, can you loan me

Video games’ good and bad effects Essay Example for Free

Video games’ good and bad effects Essay Many wonder if there are any good things about video games. The question becomes even more prominent when you think about children and teens, who might spend more time playing video games than going outside. And then there are adults who develop video game addictions. Sometimes these addictions could lead to problems with employment, relationships and other aspects of life. However, despite all these things, I still say there are many good things about video games, regardless of who is playing. True, while everyone needs to have a life beyond the Xbox, video game entertainment is generally very positive. Through video gaming, you develop the following: 1) Eye-Hand Coordination When youre thinking about some of the good things associated with video games, this tops the list. This is particularly the case for young children, who still need to develop their motor skills. Interaction with the controller teaches them how to coordinate their movements. 2) Fitness Thanks to the Wii, the Xbox Kinect and similar devices, video games can be controlled by more complex body movements. If this is done over a long period of time, video games can actually help a person lose weight. In fact, there are even games dedicated to fitness. They offer the same workout as any aerobics class. 3) Problem-Solving Skills Many games on the market will not let you progress unless you solve a puzzle. How the puzzle manifests itself will depend on the title, but most are designed to test a persons deductive reasoning. 4) Improved Reading Although the reading is not as intense as a book, it is still more detailed than what you see on television. Bad things Video games can be bad for you, but not for the reasons you might think. Theyre not bad for you because theyll make you violent — because they wont. However they can be bad for you for other reasons. Heres a look at the top 5 reasons why video games can be bad for you. Addiction is defined as The condition of being habitually or compulsively occupied with or involved in something. †  Anyone who has really been into video games has experienced this. Kids and adults alike think about getting home and playing games. They also spend a great deal of time reading gaming magazines, participating in online gaming forums, looking for future game releases, and of course, spending countless hours playing games. When they arent doing any of these things, theyre wishing they were. It cost a lot of money to stay current with the latest video games and hardware (console and/or computer). Many gamers spend all of their money on gaming. For example, its not uncommon for a gamer to have 50-100 games that cost $40-$50 each. They also often have at least 2 different game consoles and 1 high-end PC. This can easily add up to thousands of dollars a year to maintain a typical gamers habits. Theres often a direct correlation with the amount of time spent playing video games, and the amount of time spent engaging in a quality relationship. In the most extreme example I could find, there was a couple that was so consumed with playing video games that they ended up neglecting their 3 children — to the point that they were malnourished, naked, and covered in their own feces. Although thats an extreme case, I still think theres something to be said about people who spend the majority of their free time playing video games. My guess is that theyre probably not dating or pursuing a meaningful relationship in their free time. Update: A reader brought to my attention an online group dedicated to loved ones who have been affected by their partners addiction to World of WarCraft (WoW). Their description includes the following Do you have a loved one that plays World of Warcraft so much that you feel like you are a widow? This group isnt just for wives, but for anyone, husbands, girl or boyfriends, mothers, fathers, sons or daughters, or anyone that has had a relationship effected by this addictive game. Avid gamers are similar to people who smoke a lot of marijuana — in that they dont get much done. Reading a good book, taking care of bills, writing an article, inventing something, mowing the lawn, etc are simply not a priority when it comes to getting to the next level or finishing a game. Many gamers have things they would like to do in life, but they never get around to it, because they spend so much of their time playing games. Then, when they do have time to work on one of their projects, theyre too tired to do it, because they stayed up till 3am playing a game. Instead of taking a trip, mountain biking, or hanging out with friends at a cafe, gamers spend their time in a virtual reality. Whereas real life experiences bear long lasting friendships and memories, videos games do not. The only pictures that come from video games are screenshots, and the memories that are created from playing those games are ultimately meaningless. Living means interacting, growing, learning, teaching, and loving — none of which can be accomplished in the virtual wasteland of video games.

How Children Deal with Death :: Papersb Stages Psychology Essays

How Children Deal with Death Death is hard to deal with for everyone, but for children especially; they view death in various ways at different ages. At these ages children need help and guidance from their parents. The first step is to help them feel a part of the whole experience, doing this will allow them to deal with the death. The rest is counciling and (quick step number two;) the parent’s main part should be to listen while the child talks, doing this is very helpful for understanding the child. This is also very benneficial because it gives the child a chance to get his/her feelings off, this relieves certain tensions. So in order to help children get through the grieving process age and maturity level of the child must be concidered, and council should be centered around the limitations of those statistics. Infants are one group, with no real understanding of death but they can react to the way their parent/s react/s to loss. When the physical love that a parent can provide is suddenly missing, the child does have fears of separation. Infants are also very tuned in to their parents’ feelings of stress and sadness. In relation to these feelings there might be noted physical expressions such as: crying, crankiness, rashes and clinging. How one can handle this is to talk with others about one’s concerns with family members, or even the funeral director; he/she has a good chance of knowing what to do. Seek support and help from family and friends. Parent/s should try spending more time each day with the child to ensure a secure feeling for the child. (Wolfelt) I have learned on the Discovery channel that children who are physically touched develop better and more fully, so loving them patting them and holding them often does worlds of help. (experiment covered by the Discovery channel) For children ages two and a half to five; this is the stage at which the child is likely to confuse death as a reversible event like sleeping. Or the death of someone close to them could be viewed as punishment for something they have done; make sure they know this is not so. Children of this age are egocentric and believe everything that happens to be caused by them or that they will â€Å"catch† death and die as well. A child might also believe death to always be result of violence, this belief might have come from what they see on TV. Behaviors to look for are: the child showing little concern for favorite TV shows, going

History of Computers: Microsoft Windows :: Computers Software Technology Essays

History of Computers: Microsoft Windows Every time I turn on my Dell computer the screen pops up that says loading Windows XP software. My roommate turns on her computer and it says the same thing, as with most people on my floor. Today this seems to be the trend with most computers no matter what brand of hardware. This was not always the case though, Windows software is actually a fairly new technology that has grown much over the years and continues to develop and change even today. I wouldn know where I would be without my Windows software, Word, Excel, PowerPoint, etc. This software is important in so many lives and companies today that it would be hard to imagine a time without it. Windows software was not always as popular as it is today. It took a lot of work to develop this complex software. Let start by taking a brief look back on the major software before Windows, to fully understand why Microsoft Windows gradually became a total hit. Before Microsoft Windows there was MS-DOS. MS-DOS was a highly complicated operating system that often frustrated its users and was difficult to learn. Interaction with the operating system was by command line interference. Every command had to be typed in exactly right and the system was case sensitive (Campbell-Kelly 264). If anything was incorrect in the command line, then the whole command had to be retyped (264). Not only did this prove to be frustrating, but once you got the hang of this type of command typing, you would go use another program and the command set would be totally different. There were not standard interference commands and therefore every company made theirs different (265). With the hope of inventing something better than MS-DOS, in 1985 Windows 1.0 was finally released after a preemptive marketing announcement three years earlier (Rojas 828). Windows 1.0 was not well received and was no where near the capabilities of the Macintosh software which offered clear graphics and fonts. Windows 1.0 still had many of the same type of problems encountered with MS-DOS (History of Microsoft Windows).

Comparison Between Always and Tonight I Can Write

The poems by Pablo Neruda that I chose to analyze are complete opposites. In â€Å"Always† he describes his feelings for a woman and how they are forever. In â€Å"Tonight I Can Write†, Neruda writes about the end of a relationship, the end of love. His descriptions are very vivid in both poems, vivid enough that they make the reader feel what the writer is feeling. In Pablo Neruda’s â€Å"Always† the narrator is trying to express his feelings for the woman he loves. He starts the poem starts by telling his loved one that he is â€Å"not jealous of what came before me†(line 1-2), the relationships she had before. I believe he starts with this sentiment because he wants his loved one to know and fully understand that he loves her completely and regardless of her previous relationships. He compares her previous relationships with other men to pieces of them left behind in her body and he still maintains that he loves her unconditionally. The narrator tells the woman he loves to go to the place where he is waiting for her and that they will always be just the two of them. My interpretation of the last sentences of the poem is that he will always stand by her and is anxious to start their life together. In â€Å"Tonight I Can Write†, the narrator begins by saying he can finally write the saddest lines. He uses distance to explain why he can finally write the saddest lines. He compares the distance between him and his former loved one to the distance to the stars in the shattered night sky. He begins explaining his relationship by saying â€Å"I loved her, and sometimes she loved me too†(6); I understand with this statement that their relationship has ended and although it was not a serious one, I feel that he wanted it to be. This sentence makes me think that that he was more committed to the relationship than she was. The narrator alternating between past and present makes me think that he has not completely accepted the fact that the relationship is over. The narrator references the stars in the night sky, and mentions that without his loved one, the night sky seems even bigger. The narrator flashes back to nights in which he was with his loved one and reminisces about kissing her â€Å"again and again under the endless sky† (8). He continues to say that when he remembers that does not have her anymore, when he feels that he lost her; those thoughts give him the inspiration to write the saddest lines. His feeling of loneliness is emphasized by the â€Å"immense night, still more immense without her† (13). The narrator does not analyze his relationship or why it ended, the only thing that he considers worth mentioning is that the relationship did in fact end. When he says â€Å"the night is starry and she is not with me† (16), I understand that he is accepting the fact that life continues even though his relationship was over. I find these two poems to be so different and so much alike at the same time. In both poems Neruda’s sentiments are straightforward, honest and heartfelt. Always† describes the joys of being in love and that love being corresponded; while â€Å"Tonight I Can Write† describes the heartache of ending a relationship and still longing for the other person. In both poems the author uses vivid descriptions to make the reader feel what he feels, see what he sees and imagine what he imagines. For example, in â€Å"Always†, he compares the woman he loves to a river and the men in her relationship past to â€Å"drowned men†, I can see this image clearly in my mind and feel undeniable love and acceptance. In the second poem, â€Å"Tonight I Can Write†, the imagery used by the author makes me feel his pain, his sadness and emptiness. When the author says â€Å"my sight tries to find her as though to bring her closer†, I can feel his desire to be with her; I can feel his pain. I feel his loneliness as he remembers the woman he loved and the sadness he experienced and is still experiencing due to his relationship ending. The last sentences in both poems are complete opposites of each other. For example in â€Å"Always† the last sentences convey his happiness and eagerness to start their life as a couple: Bring them all o where I am waiting for you; we shall always be alone, we shall always be you and I alone on earth to start our life! (11-16) These last sentences reiterate the fact that the author does not care about the past men in his loved one’s life; he truly loves her and wants to spend the rest of his live with her. Her past does not concern him; all he cares about is the present and the future. In â€Å"Tonight I Can Write†, the last sentences convey a sense of sadness and resignation. I even sense a bit of anger and determination to stop feeling this sadness he feels every time he remembers her: I no longer love her, that's certain, but maybe I love her. Love is so short, forgetting is so long. Because through nights like this one I held her in my arms my soul is not satisfied that it has lost her. Though this be the last pain that she makes me suffer and these the last verses that I write for her. † (27-32) These final sentences tell me that the author is trying to convince himself that he no longer loves her. He states it does not take long for a person to fall in love but forgetting seems to take forever. It is not easy to forget. It is easier to love someone than to forget them. He still remembers the nights when she would rest in his arms and feels unhappy with the fact that he has lost this woman. He ends the poem by stating that after he finalizes the poem, he will no longer feel pain nor miss her; after he finishes the final â€Å"verse† he will move on and find happiness with someone else. The theme in both poems is distance and love. In â€Å"Always† he is telling his loved one to come meet him; he is waiting for her. In â€Å"Tonight I Can write† he relieves moments of joy from his relationship, only to come to terms that his relationship is over and that he is waiting for her. The narrator’s sadness in â€Å"Tonight I Can Write† it’s so overwhelming that I can feel it so much to the point that I can imagine myself living what he is living. In my opinion Pablo Neruda is an exceptional writer that always writes from the heart and is fully committed to making his readers feel what he feels. I have not found a Neruda poem I do not like. His imagery is so vivid, that I can clearly see in my mind the night sky and see the river full of drowned men. I can feel his love in â€Å"Always† almost as If I were feeling it myself. In â€Å"Tonight I Can Write† I can feel his sadness to the point that I feel brokenhearted and angry. In conclusion, these two poems are both beautiful in their own special way. â€Å"Always† is beautiful in the sense that the narrator reminds us of the joys of a new relationship; while â€Å"Tonight I Can Write† is a reminder that although ending a relationship is sad and at the moment it seems like the end of the world, life continues and one should try to be happy always.

HEALY Last Name Meaning and Origin

HEALY Last Name Meaning and Origin The popular Irish surname Healy, is a shortened form of OHealy, an anglicized form of one of the following: (1) the Gaelic surname  Ãƒâ€œ hÉilidhe, meaning descendant of the claimant, from the Gaelic  Ãƒ ©ilidhe, meaning claimant. The  Ãƒâ€œ hÉilidhe clan originated in  Connaught. (2) the Gaelic surname  Ãƒâ€œ hÉalaighthe, meaning descendant of  Ãƒâ€°aladhach, a given name likely derived from ealadhach, meaning ingenious. The  Ãƒâ€œ hÉalaighthe clan originated in Munster. Healy is now rarely found with the O prefix, such as OHealy, OHaly or OHely, all common forms of the surname up to the end of the seventeenth century. Healy may also be a geographical English surname for any of the places named  Healey (or variants such as Hayleg, Helei, Heley, Helagh, and Helay) found in Lancashire, Northumberland or Yorkshire.  The name means the high clearing or wood, derived from the Old English heah, meaning high and leah, meaning glade or clearing in a wood. Healy is one of  50 common Irish surnames  of modern Ireland, ranking forty-seventh on the list with a total Irish population of about 13,000.   Surname Origin:  Irish, English Alternate Surname Spellings: HEALEY, HEELEY, HEELY,  OHEALY, OHALY, OHELY, OHEALEY, HALY, HELY, HAILY Famous People with the Surname HEALY Mark Healy - American surferCecil Healy - Australian swimmerDermot Healy - Irish novelist, playwright, and poetJames Augustine Healy - first  African-American Roman Catholic bishop in the United StatesRoy Healy - American rocket scientistTimothy Michael Healy - Irish politician ​Genealogy Resources for the Surname HEALY World Names Surname Profiler - Distribution of the HEALY SurnameTrace the geography and distribution of the HEALY surname through this free online database. It is fairly common throughout Ireland, with the greatest concentrations found in western Ireland. HEALY Family Genealogy ForumSearch this popular genealogy forum for the Healy surname to find others who might be researching your ancestors, or post your own Healy surname query. FamilySearch - HEALY GenealogyExplore over 2 million results, including digitized records, database entries, and online family trees for the Healy surname and variants on the FREE FamilySearch website, courtesy of the Church of Jesus Christ of Latter-day Saints. HEALY Surname Family Mailing ListsRootsWeb hosts several free mailing lists for researchers of the Healy surname. DistantCousin.com - HEALY Genealogy Family HistoryFree databases and genealogy links for the last name Healy. Cant find your last name listed? Suggest a surname to be added to the Glossary of Surname Meanings Origins. References: Surname Meanings Origins Cottle, Basil. Penguin Dictionary of Surnames. Baltimore: Penguin Books, 1967.Hanks, Patrick and Flavia Hodges. A Dictionary of Surnames. New York: Oxford University Press, 1989.Hanks, Patrick. Dictionary of American Family Names. New York:  Oxford University Press, 2003.MacLysaght, Edward.  Surnames of Ireland. Dublin: Irish Academic Press, 1989.Smith, Elsdon C. American Surnames. Baltimore: Genealogical Publishing Company, 1997.

Free Essays on Beetle Mania

Beatlemania in the 1960s The Beatles were a mystical happening that many people still don't understand. Phenomenoligists had a ball in 1964 with Beatlemania, a generally harmless form of madness which came from Britain in 1963. The sole cause of Beatlemania is a quartet of young Englishmen known as the Beatles. In the less than one year that they achieved popularity in England to the time they came to America, The Beatles achieved a popularity and following that is unprecedented in the history of show business in England. They became the first recording artists anywhere in the world to have a record become a million-seller before it's release. They became the target of such adoration by their fans that they had to cancel all one-night bookings because of riots in early 1964. Beatlemania had reached unbelievable proportions in England, it became a form of reverse lend-lease and spread to the United States. Capitol records followed the Beatles' single record with the release of an album, "Meet the Beatles," in late January of 1964. That event was followed by the Beatles themselves, who arrived in New York February 8, 1964 for three appearances with Ed Sullivan. The first show was scheduled for Sunday, February 9, the second was telecast from Miami a week later, and the third pre-taped for an airing in March. These concerts were the most watched television programs ever (70 million viewers) until recently. The Beatles' arrival in the United States was presaged by a deluge of advance publicity. Newsweek, Time, and Life have chronicled Beatlemania, UPI, and the AP(Associated Press) had done their part for the cause (including an AP wirephoto of J. Paul Getty sporting a Beatle wig), and even Vogue shoved high fashion aside momentarily in it's January, 1964 issue and carried a full-page photo of the group. Baltimore's respected Evening Sun took notice ... Free Essays on Beetle Mania Free Essays on Beetle Mania Beatlemania in the 1960s The Beatles were a mystical happening that many people still don't understand. Phenomenoligists had a ball in 1964 with Beatlemania, a generally harmless form of madness which came from Britain in 1963. The sole cause of Beatlemania is a quartet of young Englishmen known as the Beatles. In the less than one year that they achieved popularity in England to the time they came to America, The Beatles achieved a popularity and following that is unprecedented in the history of show business in England. They became the first recording artists anywhere in the world to have a record become a million-seller before it's release. They became the target of such adoration by their fans that they had to cancel all one-night bookings because of riots in early 1964. Beatlemania had reached unbelievable proportions in England, it became a form of reverse lend-lease and spread to the United States. Capitol records followed the Beatles' single record with the release of an album, "Meet the Beatles," in late January of 1964. That event was followed by the Beatles themselves, who arrived in New York February 8, 1964 for three appearances with Ed Sullivan. The first show was scheduled for Sunday, February 9, the second was telecast from Miami a week later, and the third pre-taped for an airing in March. These concerts were the most watched television programs ever (70 million viewers) until recently. The Beatles' arrival in the United States was presaged by a deluge of advance publicity. Newsweek, Time, and Life have chronicled Beatlemania, UPI, and the AP(Associated Press) had done their part for the cause (including an AP wirephoto of J. Paul Getty sporting a Beatle wig), and even Vogue shoved high fashion aside momentarily in it's January, 1964 issue and carried a full-page photo of the group. Baltimore's respected Evening Sun took notice ...

Benjamin Harrison - The 23rd President of the United States

Benjamin Harrison - The 23rd President of the United States Benjamin Harrison was the grandson of Americas ninth president, William Henry Harrison. He was a Civil War hero, having ended the was as a brigadier general. He dealt with civil service reform and fighting against monopolies and trusts while he was president. Following is a list of fast facts for Benjamin Harrison. For more in depth information, you can also read the Benjamin Harrison Biography Birth: August 20, 1833 Death: March 13, 1901 Term of Office: March 4, 1889-March 3, 1893 Number of Terms Elected: 1 Term First Lady: Caroline Lavinia Scott - She died of tuberculosis while he was in office. Caroline was key in building the Daughters of the American Revolution.   Benjamin Harrison Quote: Unlike many other people less happy, we give our devotion to a Government, to its Constitution, to its flag, and not to men.Additional Benjamin Harrison Quotes Major Events While in Office: Sherman Anti-Trust Act (1890)Sherman Silver Purchase Act (1890)Electricity Installed in White House (1891) States Entering Union While in Office: Montana (1889)Washington (1889)South Dakota (1889)North Dakota (1889)Wyoming (1890)Idaho (1890) Related Benjamin Harrison Resources: These additional resources on Benjamin Harrison can provide you with further information about the president and his times. Benjamin Harrison BiographyTake a more in depth look at the twenty-third president of the United States through this biography. Youll learn about his childhood, family, early career, and the major events of his administration. Chart of Presidents and Vice Presidents This informative chart gives quick reference information on the presidents, vice-presidents, their terms of office, and their political parties. Other Presidential Fast Facts: Grover ClevelandGrover ClevelandList of American Presidents

What is the relationship between the median household income and Article

What is the relationship between the median household income and student scores - Article Example Also, the number of dropouts and ones with college degrees is also less. On the other hand, Hartford which has the lowest median household income ($38,711) has 46 percent of children in poverty the percentage of adults with college degrees is only 7 percent and many lack even a diploma from school. The data also states that the majority of the students from the Gull Lake are placed among the region’s top test scores while the students from Hartford struggle. This data implies that the better the median household income better will the academic performance of the students. Another important indicator of how a better median household income will lead to better scores is the effect of income on the SAT scores. Data from numerous attempts suggest that the students with a better family income get better scores. The reason behind this is that the students with better median household income get better access to various resources like books, tutorials, etc which helps them to get better scores when compared to those with low median household income who have limited access to such resources (Elert,

HYPOTHESIS TESTING AND TYPE ERRORS Assignment Example | Topics and Well Written Essays - 1000 words

HYPOTHESIS TESTING AND TYPE ERRORS - Assignment Example The Type II error is not rejecting the null hypothesis that the mean weight of a package is 20 ounces when it is in fact false. In other words, we decide that the mean weight of a package is 20 ounces, but in reality, it is different from 20 ounces. When the alternate hypothesis involve less than (â€Å"†) symbols, then the test is a one-tailed test. When the alternate hypothesis involve not equal to (â€Å"≠ Ã¢â‚¬ ) symbol, then the test is a two-tailed test. For example for the problem one scenario, the hypothesis for a one-tailed and a two-tailed test will be P-value: The P-value is referred to as observed significance level or probability value of a hypothesis test. The P-value of a hypothesis test is equal to the smallest significance level at which the null hypothesis can be rejected. In other words, the P-value is referred as the smallest significance level for which the observed sample data results in rejection of H0. Statistically significant: If the P-value of the hypothesis test is less than the significance level (0.05 or 0.01), then the null hypothesis is rejected and the results of the test are said as statistically significant results. 4. A homeowner is getting carpet installed. The installer is charging her for 250 square feet. She thinks this is more than the actual space being carpeted. She asks a second installer to measure the space to confirm her doubt. Write the null hypothesis Ho  and the alternative hypothesis Ha. 5. Drug A is the usual treatment for depression in graduate students. Pfizer has a new drug, Drug B, that it thinks may be more effective. You have been hired to design the test program. As part of your project briefing, you decide to explain the logic of statistical testing to the people who are going to be working for you.   In my opinion, Type II error would be more severe. This is because in this case people will not buy Drug B and hence will not avail better treatment for depression when it is in

How far was Maragaret Thatcher to blame for her downfall Essay

How far was Maragaret Thatcher to blame for her downfall - Essay Example The concept of collective development through Globalization was a new concept for the British public at that time. Unemployment, Privatization of the public companies and the revised tax system were the main areas were the British public differenced with Mrs. Thatcher which ultimately resulted in her ouster from the prime minister ship. Now the â€Å"Thatcherism† and its importance were recognized by the British public more than ever. Mrs. Thatcher was fortunate enough to witness all such changes in attitudes of the British public against her and her policies. Most of her economic, social and political policies were still debated. Though her policies succeeded in reducing inflation and budget expenditures the people of Britain suffered lot of indirect tax increases, social inequalities and unemployment during her services in the prime minister’s office. â€Å"Even as the rest of Europe toyed with socialism and state ownership, she set about privatizing the nationalized industries, which had been hitherto sacrosanct, no matter how inefficient. It worked. British Airways, an embarrassingly slovenly national carrier that very seldom showed a profit, was privatized and transformed into one of the worlds best and most profitable airlines†1 â€Å"When Margaret Thatcher took office, there were 3 million private shareholders; when she left, there were almost 11 and a half million. The tabloid newspapers latched onto this and joined their broadsheet cousins in publishing alongside the racing columns share market information and news. The popularity of privatization increased as each industry was floated on the stock exchange. When the gas industry was launched, the shares were oversubscribed by 500 percent†2 . â€Å"Before 1987 several key industries and public utilities had been transferred to private ownership, including th e telephone system, the ports, British Gas, Thatcher believed in reduced involvement

Nursing Power Assignment Example | Topics and Well Written Essays - 750 words

Nursing Power - Assignment Example Mrs. Jacksons’ tendency to favor other staff members is a likely reason for lack of motivation among staff members at the work place. Improper conflict resolution skills by nurse managers can be detrimental to the cooperation of members. Nurse Managers should adopt sound practices aimed at resolving any form of conflict at the workplace. Mrs. Jackson’s public humiliation of junior staff members depicts her poor conflict resolution skills. This is a most likely cause of underperformance of the employees. Junior members in the staff are likely to keep any information that may contribute to conflict resolution for fear of Mrs. Jackson’s demeaning treatments. Optimal team functioning in any nursing environment is achievable when leaders create perfect work environments (Cummings et al., 2009). Staff satisfaction is among the top considerations that nursing managers should ensure in the working environment. Nursing managers should focus on developing proper relationsh ips with staff members. This increases the level of satisfaction of the nursing workforce (Cummings et al., 2009). As Nicol (2012) identifies, collaboration between leaders and members of the nursing staff is necessary in improving service delivery. Education and training of staff members is vital in achieving a working environment that delivers quality services. Developing a definite framework for operation is important in ensuring a coordinated staff. Integration between nursing managers and staff members is critical in any nursing environment (Nicol, 2012). This helps harness leadership skills and promotes harmony and coordination among the members of the staff. This also ensures to the realization of quality service and full utilization of the expertise of the staff members. Strategies that offer platforms of addressing nursing concerns are instrumental in ensuring a good working environment. These include committees set to solve conflicts among members of the staff. Poor leader ship by nursing managers of nursing staff affects the quality of service delivery. Supervisors of nursing managers should ensure set up actions that address any concern of underperformance of nursing managers. The case of Mrs. Jacksons involves underperformance in executing the roles of nursing manager. Her supervisor can explore strategies that promote educational and professional skills development. The supervisor can recommend training sessions for Mrs. Jacksons to enhance her leadership skills. The supervisor can appoint a nursing practice committee to assess the performance of Mrs. Jacksons. The practice committee should make possible recommendations on the best remedy to ensure Mrs. Jacksons performs her duty. Re-establishing the strategies of monitoring the performance of Mrs. Johnsons can help improve her management of the unit. Involving the staff members in monitoring the performance of Mrs. Jacksons can improve her performance level. Staff members’ complaints are c redible avenues of assessing the performance of Mrs. Jacksons. The supervisor, therefore, can address the concerns in a timely manner to avoid the lack of motivation among the staff members. In situations when all options are inapplicable, the supervisor can reinstate Mrs. Johnsons. Observations can be appropriate in monitoring the

The World Bank is currently advising newly industrialized countries on Research Paper

The World Bank is currently advising newly industrialized countries on how to encourage growth and they have asked for your help - Research Paper Example Thus, through innovation, which is accompanied by patenting of the newly generated ideas or commodities, the firms eventually grow and obtain a reasonable market share for their products (Arora, Fosfuri, & Gambardella, 2001). Tax cuts and state financing is the other method that has been applied to promote the growth of firms in these countries. The governments of these countries have created institutions, for example the Economic Development Board in Singapore, which provides long and short term financing for firms, promotes industrial investment and creates an enabling environment, such as industrial estates for firms to operate (Arora, Fosfuri, & Gambardella, 2001). This way, firms are afforded an opportunity to thrive in the tough economic conditions through financial support, which enables them to grow and eventually become large companies. The most suitable method, which should be adopted by the firms in these countries to grow economically, is innovation. The rationale behind this is the fact that, innovation helps a firm to develop new products, services and ideas, which help it, compete effectively with other firms in the market, as opposed to government financing and support, which serves to increase competition (Arora, Fosfuri, & Gambardella,

Nursing Power Assignment Example | Topics and Well Written Essays - 750 words

Nursing Power - Assignment Example Mrs. Jacksons’ tendency to favor other staff members is a likely reason for lack of motivation among staff members at the work place. Improper conflict resolution skills by nurse managers can be detrimental to the cooperation of members. Nurse Managers should adopt sound practices aimed at resolving any form of conflict at the workplace. Mrs. Jackson’s public humiliation of junior staff members depicts her poor conflict resolution skills. This is a most likely cause of underperformance of the employees. Junior members in the staff are likely to keep any information that may contribute to conflict resolution for fear of Mrs. Jackson’s demeaning treatments. Optimal team functioning in any nursing environment is achievable when leaders create perfect work environments (Cummings et al., 2009). Staff satisfaction is among the top considerations that nursing managers should ensure in the working environment. Nursing managers should focus on developing proper relationsh ips with staff members. This increases the level of satisfaction of the nursing workforce (Cummings et al., 2009). As Nicol (2012) identifies, collaboration between leaders and members of the nursing staff is necessary in improving service delivery. Education and training of staff members is vital in achieving a working environment that delivers quality services. Developing a definite framework for operation is important in ensuring a coordinated staff. Integration between nursing managers and staff members is critical in any nursing environment (Nicol, 2012). This helps harness leadership skills and promotes harmony and coordination among the members of the staff. This also ensures to the realization of quality service and full utilization of the expertise of the staff members. Strategies that offer platforms of addressing nursing concerns are instrumental in ensuring a good working environment. These include committees set to solve conflicts among members of the staff. Poor leader ship by nursing managers of nursing staff affects the quality of service delivery. Supervisors of nursing managers should ensure set up actions that address any concern of underperformance of nursing managers. The case of Mrs. Jacksons involves underperformance in executing the roles of nursing manager. Her supervisor can explore strategies that promote educational and professional skills development. The supervisor can recommend training sessions for Mrs. Jacksons to enhance her leadership skills. The supervisor can appoint a nursing practice committee to assess the performance of Mrs. Jacksons. The practice committee should make possible recommendations on the best remedy to ensure Mrs. Jacksons performs her duty. Re-establishing the strategies of monitoring the performance of Mrs. Johnsons can help improve her management of the unit. Involving the staff members in monitoring the performance of Mrs. Jacksons can improve her performance level. Staff members’ complaints are c redible avenues of assessing the performance of Mrs. Jacksons. The supervisor, therefore, can address the concerns in a timely manner to avoid the lack of motivation among the staff members. In situations when all options are inapplicable, the supervisor can reinstate Mrs. Johnsons. Observations can be appropriate in monitoring the

(Corporate) Product Selection & Strategy Formulation Essay

(Corporate) Product Selection & Strategy Formulation - Essay Example Apple Inc is even enjoying the overwhelming performance in the technology industry is associated with the continuous success and dominance (Abraham 2012). In corporate strategy there are two types of diversification which are: linked and constrained. Companies that use linked diversification enter new business when they are linked with other business they are already operating, if they use constrained diversification, they enter only in new business if it is based on core resources. Apple uses the constrained diversification, Apple is a personal computer company and its business utilizes its core resources in developing the hardware and software such as, iPod, iPad, iPhone, and Apple TV that allows the Apple to share its resources among the business. This even creates the economics of scope, and that create cost savings for Apple Inc., as their resources are shared across all the multiple businesses. Apple follows two strategies which are: Growth Strategy and Stability strategy (Abraham 2012). As the company has not reached to the optimum performance; therefore, there is a requirement for reaching at the optimum performance, this helps the company in expanding its profits, and market share, sales, and market coverage and product mix among the other accounting variables and market. Some of the other strategies utilized for enhancing eth growth include the market penetration enhancement in order to ensure the provision of efficient services. Another growth strategy of the Company is vertical integration, which is an efficient strategy for enhancing the growth, in that Apple Inc., takes activities which are performed by its suppliers or business in its distribution or channel. Diversification strategy is also used by the company in taking effective move for enhancing the growth; in this case the company must use the potential business ventures for enhancing its operations. The

Problem of Brain Drain Essay Example for Free

Problem of Brain Drain Essay Good Morning maam, and Hello to my friends. let me tell about my topic, its the problem of brain drain. The stupidity by Albert Einstein can be related with my topic. Before starting, my friends, i want to know, how many of you want to go to US, Canada, UK, France, or any other developed country. And how many of you have made up mind to stay there if you could? Thats good you are aware about Human Capital Flight and most of you want to stay here and serve your country. But or, This was a obvious result. i can you tell why? This phenomenon is what called brain drain or human capital flight. Like you,  Every year 250,000 youth are reported to leave the country for various reasons. And of them around fifty per cent of the 1,000 that graduate in medicine in Nepal each year leave to work abroad – permanently. They seek opportunities in its various manifestation — higher living standards, employment, better income, education, a luring western lifestyle, stability and security. Like you said. The list shows everything our country is incapable of providing to the youth. Hence, it is not surprising, if i say, that 556 youth leave the country to go across the seas in a given day. How many of them return to their homeland? The inflow number is almost negligible. This is where the use of word brain drain comes. â€Å"Brain drain† as defined by Britannica is departure of educated or professional people from one country, usually for better pay or living conditions†. Because if it, Nepal is losing a significant proportion of its intellectuals. Also, that the country loses workers and the money it put into training them in college, and the money often put for the health and safety of citizen. Majority has migrated to USA, UK or Australia. Also, the skilled working youth have left for Gulf countries to do labour work. Qualified farmers have been vanished to the third world. Than what to do? Before that, i want to inform you that, developed country who are getting these people are benefited because of brain gain. Why US had land on mars? Here are some reason related to this topic: it has the world’s most intelligent and creative minds collected from every corner. because best universities of the world are there in US due to which people go there for study and quality, and settle there. moreover the universities gives scholarship to attract the sharp and intellectual minds by which we all are easily attracted. Talents play important roles in helping a country develop. Different areas and nations have distinct policies to retain skilled workers due to the different national or regional situation. in African countries, the health systems have been severely affected by brain drain, so various measures have been suggested and tried to limit the migration of health workers to rich countries. In Kuwait, people have argued the country should cultivate a sense of security and hope among the elite to curb brain drain because people are not so confident of their countries future. China tries to create a normal and free atmosphere and mechanism that would help talents flourish. And in India, although suffering severe brain drain every year, the Indian government has not to adopted strict policies because they believe that the overseas talent will eventually contribute to the nation in the future. so lets all of us stay in our own motherland to serve here and make gold from it. i am sure i am staying in Nepal and help develop, grow and prosper my country.

Marketing Strategies Of Insurance Sector Commerce Essay

Marketing Strategies Of Insurance Sector Commerce Essay The new detarotted pricing regime requires an altogether different underwriting model. None exists now. A new model has to be put in place with no prior experience. Underwriting, that was done by the tariff book till now, needs the application of a sharp human mind, professional expertise, keen knowledge of a particular risk, a sensitive analysis of risk factors and their evaluation, a reflection of the insurers own past claim experience in respect to similar risks accepted to predict the future loss potential of the risk assumed and a cultivated ability to build a rate model that provides a margin to the insurer. With no past experience to guide their efforts, how will the insurers now pick-up these underwriting skills, expertise and knowledge base in a short time? How can the employee mindset, that looked to tariffs for the premium rates be persuaded to look at and collect the vast data that is required to price risks to fit the perceived risk factors? What are insurers doing to make their specialized underwriters acquire these levels of skills, expertise and knowledge? It takes time to build expertise and experience but a beginning has to be made. An insurer is also forced now to redefine his identity either as a low-cost insurer and cut premium rates to stay in business or consciously build price differentiators, because he provides and delivers superior customer-perceived value. Such delivered value may not be financial, but it is highly efficient effective and convenient to an insured, due to the insurers specialized expertise, his particularized. PLACE OR DISTRIBUTION CHANNELS Distribution refers to the arrangements by which the product after manufacturing is moved till it reaches the customer. There are various intermediaries in every business like wholesalers, retailers, etc. In the service business, agents and brokers are intermediaries in the transaction. Insurance business is sold through agents as intermediaries. In India, the regulation provide that an insurance agent can represent only on life and one non-life insurer. An agent has to obtain a licence from the IRDA. Brokers also act as insurance intermediaries. But they are different from agents in the sense that they are independent businessmen either working alone or in partnership. Brokers may be found in the non-life insurance business helping customers whose insurance requirements are complex. They handle big risks and need superior financial and analytical skills. Intermediaries play a very significant role when the claim has to be settled. They have to see that the legitimate claim is duly paid without delays. The other intermediaries at the stage of the claim are: In the case of general insurance, surveyors and loss assessors, who are independent professionals, who are called upon to inspect the damages and losses claimed against. Motor accident claims tribunal to adjudicate on the quantum of compensation that should be paid to the victims of motor accidents. Lok Adalats consisting of judges, to enable expeditious summary disposal of long-pending disputes regarding claims. Review committees (in the LIC) at different levels, the top most being headed by a high court judge, to review claims which have been repudiated on grounds of misrepresentation of fraud. Other organizations like hospitals (for healthcare and medical insurances) or garages (for motor repairs) who facilitate the claims settlements. Direct Marketing Marketing of insurance products can also be done directly. The media used for direct marketing are: Direct mail. Letters sent to consumers on the basis of addresses available from sources like telephone directory, membership lists of clubs and professional associations, stock exchange brokers or registrars to companies. Telephone contacts Television programmes of relatively longer duration Advertisements and loose insertion in main line as well as professional and trade journals. Displays in conferences, services for specialized products linked to the themes of the seminars. Direct contact from the Insurers salaried staff. Stalls in exhibitions and sole exhibitions in remote areas. Call centres or Service centres Kiosks with touch technology Over the counter in big stores. In India, direct marketing is done by the LIC for its group gratuity and superannuation business. In non-life insurance business, almost the entire business from corporate bodies had been done through direct marketing. This business was solicited by the officers of the insurers and not through agents. The internet has opened up new possibilities in direct marketing. Insurance is being used for the following purposes. To provide basic information about available plans to prospects. To provide answers to frequently asked questions about insurance. To provide details of nearest location of insureds representative To provide quotations for premium and for loans To provide information to policyholders about policy status, pending requirements, etc. For premium collection To sell simple policies like personal accident, medical householders pure endowment, annuities, etc. Work Site Marketing This area needs to be tapped, as in any country one of the biggest markets is through the work site. With changes in human resources management policies and compensation packages, group products or work site products do have a definite market that cannot be ignored. Here the advantages would be: Captive customer base Potential to sell individual insurance and group insurance High trust factor High hit ratio for the intermediaries The challenges would be the cost effectiveness, product customization and efficient post-sales servicing, which would determine continued business. Technology has a key role to play in work site marketing to ensure cost benefits. Banks and financial institutions have been successfully marketing credit cards and other financial products using this channel. If not an identical model a similar approach can be used for selling insurance. Internet Through India is joining the fast growing breed of net users, using net for transactions has not yet caught up. Though a few banks provide online banking the usage is still a small fragment. The insecurity associated with transactions over the net is still an inhibiting factor. At present, most of the insurance companies have product information and/or illustrative tools on the Web. We do not see the web evolving into a means for direct selling of insurance in the current scenario. In the Indian market, where insurance is sold after considerable persuasion even after face-to-face selling, the selling over the net, which must be initiated by the client, would take some more time. While the technology capability is there, improvements in bandwidth and infrastructure are needed. Also needed are simpler products where auto-underwriting is possible. Automobile insurance, one of the segments of insurance purchased off the shelf in India, would be the ideal segment to start with. On the life side, term assurance for standard lives with simplified underwriting is a possibility. These channels by themselves will not be able to overcome the mindset of the people, but rather can only be enablers for the human channels. Invisible Insurer In this model, the insurance company or its representative is not the entity marketing the products. The insurance cover is sold by an automobile/credit card company as an add-on product leveraging the brand of the retailer. The risk is carried by the insurance company, which underwrites it. Products like creditor insurance, automobile insurance, and credit card related insurance could be distributed using this channel. This model can be adopted in all market segments for the lines of business mentioned. It is already prevalent in some areas like credit card insurance and crop insurance for agriculture loans. The new players are also attempting this model. The venture of Maruti9 into insurance by setting up two subsidiaries MIDS10 and MIBL11 to sell automobile insurance is a case in point. These firms will largely arrange insurance cover for Marutis captive base. MIDS has been registered as a corporate agent with an exclusive arrangement with Bajaj Allianz General Insurance, while MIBL has linked up with state-owned National Insurance Company Limited. What makes these arrangements attractive is the low distribution cost and captive customer base. However, repeat business or renewal business cannot be assured. In the life segment, group creditor insurance may be the most suitable product for this channel. The postal department started selling life insurance policies way back in 1884 to people working in public sector undertakings and government departments. In 1995, postal department was allowed to sell policies to the general public living in rural areas. The postal life insurance ranks second only to LIC in transacting life insurance business. Last year, business of postal department was higher than of all private life insurers put together. On an all India basis, they sold 27 lakh policies and earned a premium income of Rs. 650 crores. USP is a lower premium and higher bonus, but what is unique is that they dont have any insurance agents selling postal life insurance policies. The business is promoted by a few designated staff and is managed by a separate directorate. PROMOTION The purpose of promotion is to communicate with the market. Promotion tries to influence attitudes and receptivity to eliminate misconceptions and thus to more sales. The IRDA has issued guidelines about advertisements by insurers and the agents or brokers in newspapers, magazines, sales talks, bill boards, hoardings, panels, radio, television, websites, e-mail, portals, leaflets, literature, circulars, sales and flyers, telephone solicitation, business cards, videos, faxes or other communication with a prospect or policyholder urging him to purchase, renew, increase or modify a policy of insurance. The main requirements are: The advertisement programme has to be overseen by an officer responsible for compliance with the regulations. A copy of every advertisement should be filled with the IRDA. Advertisements should disclose the full particulars of the insurer, as well as the form number and type of coverage of the policy referred to. Display the registration/licence numbers on their websites. No third party, other than insurer or authorized intermediary can distribute information or recommended purchase of specific insurance products. Advertisements should not be unfair or misleading. Along with the advertisements, publicity is also an equally strong medium of promotion. In the case of services, the most effective form of publicity is the word of mouth. But both advertisements and publicity can create awareness and also arouse curiosity or interest. These are not powerful enough to generate desire or to provoke action. Thus public relations become important. Public relations refer to separate, planned and sustained efforts made with a view to establish and maintain mutually beneficial relationships between an organization and its prospective customers. PR tools include; all the tools of publicity, lobbying, journals/newsletters, sponsorship of sports and other activities, special drives, entertainment, lunches and dinners, etc. PEOPLE People are the most critical resource in any organization. Without people, no other resource can perform. An employee, who is dissatisfied or worried, may not apply himself fully at work. At the same of interaction with the customer, the employee is alone. The insurance service is judiciary in nature. Thus credibility or trustworthiness, in the perception of the customer, is crucial. The employee can strengthen or erode this. Critical Success Factors for Insurance Change in the Attitude of the Population. There is need for a change in the attitude of the people towards insurance. Insurance is taken just as a tool for tax-saving. But insurance can be taken as shield around their families and business for any unknown calamity and also now-a-days insurance provides good investment opportunity. Thus people have to be made aware about the risk coverage and investment part of the insurance. Open and Transparent Environment created under the IRDA. Insurance as a sector requires players who are financially strong and are willing to wait for returns. Their confidence can only be boosted only if there are open and transparent policy guidelines. This will also help the consumers feel stage that the regulatory is an active one and cares to do everything possible to keep things under control and help the insurance environment grow maturely. Well-established Distribution Network. Bancassurance is becoming more and more popular. Public sector banks like SBI, PNB, etc. have huge network because of their long existence. Therefore they can be successful. Trained Professionals. Initially only insurance agents were considered to be the best salesmen for insurance products. But now with Privatisation and Globalisation more and more professionalism is required in sales efforts. Private players have professional qualified sales force. Rationale Approach to the Investment Criteria. IRDA has guidelines for the investment pattern of the insurance companies to meet its social obligations. But the players feel this compulsion to be unjust and it affects their return on investments. The more the people insured, better the revenue, better the security and ultimately better the morale and productivity. Stringent Accounting Practice to Prevent Failures amongst the Insurers. Insurer has the hard-earned money of the masses. Failure of any of the insurer for any reason can have disastrous effects. To prevent such possibility, a stringent accounting practice is imperative. Level Playing Field for all Insurers. Government should provide unbiased environment to all the insurance players, so that everybody has equal opportunities. With coming of private players, LIC is also focusing on advertising and has become one of the biggest advertisers of its products via using wide range of products, i.e., print and electronic media, sponsoring events, road shows, etc. LIC is focusing both on mass marketing and segmentation strategy. Main focus of promotion activities is one tax benefit and returns from insurance. LIC is focusing on CRM. Challenges for Public and Private Sector Companies Public Sector Companies Private Sector Companies Identity is well established, but the perception of poor service providers is a stigma. Products are not attractive and flexible enough but expensive. To retain their creamy layer clientele who are the most likely to be wooed by the new companies Retain and attract good intermediaries. Match the aura created by the new companies in the urban market. Have to build their identity in a market where the public does not distinguish them. Remove the perception that anything that looks good as expensive. Work against the peoples mindset that they are not here for the long term. Attract intermediaries especially agents with the requisite qualifications and attributes who can market the company and the product. Run the risk of tapping an already insured market for repeat insurance instead of tapping new virgin pockets in the market. MARKETING STRATEGIES OF INSURANCE PLAYERS IN INDIA Introduction of innovative products and services focusing on targeted customer segment. Use the concept of CRM and develop relationship with customers to retain the existing customer and make new customers. Availing the products and services at low cost and with short times. Insurance players have to focus on employees by focusing on their skills and motivating them for continuous improvements in process capabilities, quality and response times. Taking the help of information technology, database and systems in an optimum manner. Punch Line of Some Players Life Insurance corporation of India ICICI Prudential ING Vyasa Birla Sun Life HDFC Standard OM Kotak Mahindra Tata AIG Max New York Bajaj Allianz AMP Sanmar Life is Beautiful. Zindegi ke sath bhi, Zindegi ke bad bhi. We cover you at every step in life. Adding life to insurance Your dreams, our commitment Making life easier for you Jeene ki Azaadi With you always Your Partner for Life We cover almost everything Creating better futures Marketing Strategies of Prominent Insurance Players Life Insurance Corporation of India : LIC is the leader in the insurance sector with around 83% market share. LIC has tied up with corporation bank and Vijaya Bank for distribution of its product. LIC has computerized and linked all 2,048 branches. LIC was the first to introduce online premium payment facilities. LIC is focusing on rural market because of its established brand name. ICICI Pru Life. ICICI Pru is the major competitor of LIC. It has the maximum market share among private players. Companies using tools like workstation marketing, corporate marketing, road shows and stall in trade fair, loading, etc. Its strategy is to achieve scale in premium income and distribution force in shortest time. Focus is more on direct selling apart from communication and building personal relations. Company is marketing at worksite and for corporate customers ha adopted a multichannel distribution model. Company is selling its products as long-term investment plans. Max New York Life (MNYL). Max New York Life is operating with 2,500 agents spread in activities in India. It is using individual agents as its primary source of distribution. It offers flexible products with many options, and riders. The company is using various methods like media advertising, event sponsorship, etc. and tools like direct marketing relationship building to generate awareness and build customer base. The company focuses on the quality of its first sales personnel, i.e., agents. MetLife. MetLife is a global leader in the financial services and it has tied up with Geojet Infolin technologies for marketing and distribution of its products in India. It has followed the strategy of phase-wise introduction of products in the market. It has Bundle method of offering products which includes investment options ranging from insurance, equities, derivatives, mutual funds and TPOs. The market segment on which MetLife is focusing is South India and JK. Tata AIG. The company is following mass marketing to cover as many as lives as possible in the initial years of its operation. It has expertise in assessing the risk covered. Bajaj-Allianz. It is giving competition to public sector general insurance companies. Its main focus is on automobile. Its advertisements are appearing in local newspapers, television and hoarding. Birla-Sun Life. It is focusing mainly on high net worth people so that higher sum assured can be taken up. SBI Standard Life Its products are simple. It is doing branch-wise segmentation. Average size of the policies is smaller. HDFC Standard Life. HDFC is the leader in housing finance in India and Standard Life is the UK market leader. The company is using direct marketing tactics to build HDFC brand and convincing the customers insurance as a protection tool. The insurance sector has gained momentum with the entry of private players. Rather than taking away the market share of existing players, the new players have actually helped expand the insurance market. Their ability to offer innovative products aggressive marketing, as well as the general uptrend in economic growth, have given a boost to the industry. In fact, more players, with public sector banks and leading industrialists jumping into the fray. We take a look at the two major segments life and general to see how the major players are faring.

Truth, Knowledge, and Opinion Essay -- social issues

Truth, Knowledge, and Opinion WHAT IS TRUTH, KNOWLEDGE, OPINION AND WHY IS EXTREME SKEPTICISM? What is Truth, Knowledge, Opinion and why Extreme Skepticism is Self Contradictory? Truth is simply the mind corresponding with reality, knowledge is having the truth and knowing that you have it and understanding why it is true, Opinion is having an hypothesis but not being entirely sure that your idea is true and extreme skepticism is self contradictory because skeptics say that there is truth  ¡Ã‚ §that there is no truth ¡Ã‚ ¨. By doing this they are making a true statement. In this essay we shall discuss a more deeper and in-depth meaning truth, knowledge, opinion and why extreme skepticism is self-contradictory. What is truth? Truth is basically the mind corresponding with reality. This of course is the easy problem of truth; the hard problem is the mind trying to know reality. So we see  ¡Ã‚ §truth is connected to knowledge ¡Ã‚ ¨. True ideas are those that we can corroborate and verify. Truth works in way of our thinking. So you see to achieve complete truth there must be correspondence between our mind and reality and to know exactly what reality really is. For example If we say  ¡Ã‚ § the Auckland blues are going to win the super 12 ¡Ã‚ ¨ and later on they actually win, therefore your mind did indeed correspond with reality. Through this example we see that knowing what is reality is almost impossible, if a man is completely sure that he has grasped reality he is GOD. What is knowle...

The Trolley Dodgers

In 1890, the Brooklyn Trolley Dodgers professionals’ baseball team joined the National League. Over the following years, the Dodgers would have considerable difficulty competing with the other baseball themes in the New York City area. Those teams, principal among them the New York Yankees, were much better financed and generally stocked with players of higher caliber. In 1958, after nearly seven decades of mostly frustration on and off the baseball field, the Dodgers shocked the sports world by moving to Los Angeles. Walter O’Malley, the flamboyant owner of the Dodgers, saw an opportunity to introduce professional baseball to the rapidly growing population of the West Coast. More important, O’Malley saw an opportunity to make his team more profitable. As an in document to the Dodgers, Los Angeles Country purchased a goat farm located in Chavez Ravine, an area two miles northwest of downtown Los Angeles, and gave the property to O’Malley for the site of his new baseball stadium. Since moving to Los Angeles, the Dodgers have been the envy of the baseball world: â€Å"In everything from profit to stadium maintenance†¦the Dodgers are the prototype of how a franchise should be run. †? During the 1980s and 1990s, the Dodgers reigned as the most profitable franchise in baseball with a pretax profit margin approaching 25 percent in many years. In late 1997, Peter O’Malley, Walter O’Malley’s son and the Dodgers principal owner, sold the franchise for $350 million to media mogul Rupert Murdoch. A spokesman for Murdoch complimented the O’Malley family for the longstanding success of the Dodgers organization. â€Å"The O’Malley’s have set a gold standard for franchise ownership†. ? During an interview before he sold the Dodgers, was seemingly a perfect example of one of those experts he had retained in all functional areas: â€Å"I don’t have to be an expert on taxes, split-fingered fastballs, or labor relations with our ushers. That talent is available. †? Edward Campos, a longtime accountant for the Dodgers, was seemingly a perfect example of one of those experts in the organization. Campos accepted an entry-level position with the Dodgers as a young man. By 1986, after almost two decades with the club, he had worked his way up the employment hierarchy to become the operations payroll chief. After taking charge of the Dodgers’ payroll department, Campos designed and implemented a new payroll system, a system that reportedly only he fully understood. In fact, Campos controlled the system so completely that he personally filled out the weekly payroll cards for each of the four hundred employees of the Dodgers. Campos was known not only for his work ethic but also for his loyalty to the club and its owners: â€Å"The Dodgers trusted him, and when he was on vacation, he even came back and did the payroll. †? Unfortunately, the Dodgers’ trust in Campos was misplaced. Over a period of several years, Campos embezzled several hundred thousand dollars from his employer. According to court records, Campos padded the Dodgers’ payroll by adding fictitious employees to various departments in the organizations. In addition, Campos routinely inflated the number of hours worked by several employees and then split the resulting overpayments fifty-fifty with those individuals. The fraudulent scheme came unraveled when appendicitis struck down Campos, forcing the Dodgers’ controller to temporarily assume his responsibilities. While completing the payroll one week, the controller noticed that several employees, including ushers, security guards, and ticket salespeople, were being paid unusually large amounts. In some cases, employees earning $7 an hour received weekly paychecks approaching $2,000. Following a criminal investigation and the filing of charges against Campos and his cohorts, all the individuals involved in the payroll fraud confessed. A stale court sentenced Campos to eight years in prison and required him to make restitution of approximately $132,000 to the Dodgers. Another of the conspirators also received a prison sentence. The remaining individuals involved in the payroll scheme made restitution and were placed on probation. QUESTIONS AND ANSWERS 1. Identify the key audit objectives for a client’s payroll function. Comment on both objectives related to tests of controls and those related to substantive audit procedures. Ans: The key audit objectives for a client’s payroll function are occurrence, completeness, accuracy, pasting and summarization, classification and timing. On the occurrence objective the related test of control could be examining the time cards, personnel files, reviewing organization chart to see if the payroll payments are for exiting work and for existing employee and the substantive test for the occurrence objective is to see if the right amount of payroll is paid to the right employee and were recorded properly. On the completeness objective the test of control could be to see if the existing payroll were recorded and the substantive test is to compare the book and the payroll bank statement and look for the unmatched amount. For the accuracy objective, the test of control is to examine if the right hours and rate are recorded, tax withholding is correct while the substantive test is to test for exact amount by recalculating gross pay and net pay, comparing pay rate with the industry also. For posting and summarization objective, the test of control could be comparing the master files total with general ledgers total and while the substantive test is by footing the payroll journal and tracing postings to the journal ledger and the payroll master file. The test of control for the classification objective is to review charts of accounts while the substantive test is to review the time cards and job ticket. Lastly, for the timing objective, the test of control is to examine procedures and observe if recording is taking place while the substantive test is to compare date on checks. . What internal control weaknesses were evident in the Dodgers’ payroll system? Ans: The internal control weaknesses in the Dodger’s payroll system is that Campos, who is happen to be the operations payroll chief, is the one who designed and also implemented a new payroll system that only him that could fully understand. Also other weaknesses is that there is no independent check a nd performance, there is also no separation of duties, and Dodgers work environment would be a weakness because Campos and others have low work ethic. 3. Identify audit procedures that might have led to the discovery of the fraudulent scheme masterminded by Campos. Ans: Audit procedures that might discover the fraud is by understanding Dodger’s payroll chart because auditors would see if there are no independent check and performance and no separation of duties. Another thing is that to interview employees in the payroll department. Test for nonexistent employee, reconciling the total hours paid in payroll records with that in an independent record of the hours worked and observing employee time in.

Pepsi Mission and Swot Analysis

Wendy Montagno Mkt-3120-401 Firm Mission Statement PepsiCo. Pepsi has had a long and rich history. The drink was invented by Caleb Bradham, a pharmacist in New Bern, North Carolina. He patented the drink and launched the Pepsi-Cola Company in1902, from the back room of his pharmacy. It developed into a strong franchise system. The dedication of the local Pepsi-Cola bottlers, have provided a solid foundation. Pepsi’s mission has always been to be a responsible corporate citizen. They strive to be the world’s premier consumer products company, focused on convenient foods and beverages.They work at producing financial rewards for its investors. They provide opportunities for growth for their employees and partners. Above all, they make every effort for honesty, fairness and integrity. Pepsi states their vision on their website as â€Å"PepsiCo's responsibility is to continually improve all aspects of the world in which we operate – environment, social, economic â⠂¬â€œ creating a better tomorrow than today. † They wish to create programs and focus on environmental stewardship to benefit the society. They also want to build shareholder value by becoming a truly sustainable company.Pepsi is the world’s second largest beverage and food company based on its net revenue. In North America it is first largest Beverage and Food Company by net revenue. SWOT analysis of PepsiCo. Internal Strengths One of Pepsi’s strengths is its history with a longtime local home. They also have a long standing loyal customer base. They also stay on top of current technology systems and networks to manage their manufacturing and distribution. Pepsi prides itself on knowing their customers needs to provide excellent customer service and implement global growth. WeaknessesPepsi must keep an eye on chain stores. Chain stores have a lower per-unit cost and can provide a lower price for their items. Pepsi has also had problems with offering new products without having sufficient knowledge of their target demographic. Their size is also a concern. The company is so large that it could lose focus or have internal conflict problems External Opportunities Pepsi needs to utilize the expanding Internet possibilities to better serve their customers. This goes in hand with providing training to their employees as systems become more complicated.They could also better position themselves to provide excellent personal service to compete with box stores since the large store seem to be driven by sales. Threats Pepsi always faces a challenge from their largest competitor, Coke whom has the world’s largest beverage distribution. On the other side they deal with competition from General Mills and ConAgra which are striving to have a larger market share in the snack market. Pepsi also faces the challenge of different regulations and policies set by governments in other countries.

Case Scenario: Grocery, Inc. Essay

Scenario: Grocery, Inc. is a retail grocery store chain based in Any State; U.S.A. Grocery has stores throughout the United States. Grocery has written contracts with many different vendors to purchase the products they sell in their stores. Vendors range from individuals to international corporations. Tom Green works as the produce manager for the store in My Town, U.S.A. Jeff Fresh, 17 years old, is spending his summer vacation working for Tom in the produce department. Assignment: Using the scenario above, give detailed answers to the following questions: 1. Does Article 2 of the Uniform Commercial Code (UCC) apply to the contracts between Grocery and its vendors? Do common law contracts apply? Explain, in detail, why or why not. Your answer should compare and contrast common law contracts and UCC Article 2 contracts. Article 2 of the Code applies only to transactions in goods. The sale of goods is the transfer of ownership to tangible personal property in exchange for money, other goods or the performance of services. The law of sales of goods is codified in Article 2 of the Uniform Commercial Code While the law of sales is based on the fundamental principles of contract and personal property it has been modified to accommodate current practices of merchants. Therefore, the situation depends on whether or not a contract is for the sale of goods. If it is not, then the principles of common law that were discussed in Part 3, Contracts, apply. If the contract is one for the sale of goods, then the Code applies. 2. Grocery contracted with Masterpiece Construction to renovate the store on Main Street in My Town. Masterpiece, unable to complete the renovation within the six-month time limit due to a sudden increase in jobs, sub-contracted the entire job to Build Them To Fall. Grocery was unaware of the sub-contract. When Grocery realized (due to the poor quality of work) that Build, not Masterpiece, was handling the renovation, Grocery petitioned the court for an injunction and then sued Masterpiece for breach of contract and specific performance. Masterpiece argued that it had a right to delegate  the duties of the contract, or in the alternative, to discharge the contract due to commercial impracticability. Who wins? Explain your answer. In such a case as this one, Grocery would win a suit for specific performance but not necessarily for breach of contract. The only situation that would restrict Masterpiece from delegating the duties to another company is if the actual contract specified that Masterpiece had to perform the work. If the contract did specify that Masterpiece had to perform the work, they would be responsible for breach of contract; otherwise, they would have the right to delegate the work to a third party without penalty. Though Masterpiece might have had the right to sub-contract the renovation to another company, it does not release Masterpiece from liability. When a delegatee (Build) accepts an assignment from a delegator (Masterpiece), the delegatee assumes responsibility for performance. This assumption does not release the delegator from liability but instead, creates a situation where both the delegator and delegatee owe duties to the obligee. If a situation arise, such as this one, and the delegatee refuses to pay, the delegator can still be held responsible. The only way Masterpiece can lose the title of obligor and not be considered liable for specific performance is to be discharged from performance by novation. A novation is â€Å"a particular type of substituted contract in which the obligee agrees to discharge the original obligor and to substitute a new obligor in his place† (Mallor, Barnes, Bowers, & Langvardt, 2003). If Build and Grocery both agree to the novation, Masterpiece would have no further obligation under the contract and Grocery would have to hold Build responsible for performance. 3. At the end of the summer, Jeff Fresh had earned enough money to put a down payment on a car. He decided to continue working part time during school to earn money for the car payments. Jeff purchased a car from Smooth Sales Used Cars. Smooth did not ask Jeff how old he was; the salesman assumed he had reached the age of majority. Jeff paid the down payment and signed the contract stating that he would make payments of $200 each month. Six months later Jeff lost his job and could no longer make the payments. Jeff took the car back to Smooth and said he wanted to cancel the contract and that he wanted his money back. What are the possible outcomes? Explain your answers. As a minor, Jeff is entitled cancel the contract by disaffirming it and receiving the amount he paid for the car in exchange for returning the car back to Smooth Sales Used Cars. As per the textbook, â€Å"Upon disaffirmance, each party has the duty to return to the other any consideration that the other has given. This means that the minor must return any consideration given to him by the adult that remains in his possession.† Jeff should receive his down payment and $1200 back from Smooth Sales Used Cars. Since the car is not considered a necessary, the following law for minor does not apply. â€Å"The minor’s recovery of the full purchase price is subject to a deduction for the minor’s use of the consideration he or she received under the contract, or the depreciation or deterioration of the consideration in his or her possession.† Necessaries are basics things needed for survival and not supplied by the minor’s parents. Examples of necessaries a re food, clothing, shelter, medical care, tools of the minor’s trade, and basic education or vocational training. 4. Grocery has a written contract with Cereal, Inc. to purchase 20 cases of cereal per month at $22 per case. The contract does not state the types of cereal or how the 20 cases will be divided up between Grocery’s 20 stores in Any State. After a flood, Cereal suffers severe water damage in its warehouse. With the exception of Soggy Flakes, Cereal does not have enough undamaged cereal to comply with its Grocery contract. On the day delivery was due; Grocery receives 10 cases of Soggy Flakes at the three stores located in My Town and two stores in Your Town. Twelve days before delivery was due, Grocery had requested, by facsimile, that 15 cases containing a variety of cereals be delivered to the five stores listed above with the remaining five cases going to Grocery’s warehouse in Corp Town. Grocery wants to reject the shipments of Soggy Flakes and cancel its contract with Cereal. Discuss Grocery’s rights under contract law. Cereal argues that based on the gap-fil ling rule, it had the right to modify the terms of the contract. Analyze the gap filling provisions of UCC Article 2 as they pertain to the terms of this contract. What rights and/or defenses, if any, does Cereal have under contract law? Analyze the remedies available to Grocery and/or Cereal. Explain all answers in detail. There are two sides to this scenario in which both parties have a valid reason to alter as well as even terminate the contract. From the Cereal, Inc perspective, if unforeseen conditions cause a delay or the inability to make delivery of the goods and thus make performance impracticable, the seller is excused from making delivery. However, if a seller’s capacity to deliver is only partially affected the seller must allocate production in any fair and reasonable manner among his customers. Cereal did abide by it and delivered the 10 cases of Soggy Flakes due to the fact that those cases were not destroyed, leaving them deliverable. However, the seller (Cereal, Inc) has the option of including any regular customer not then under contract in his allocation scheme. When the seller allocates production, he must notify the buyers [2-615]. When a buyer receives this notice, the buyer may either terminate the contract or agree to accept the allocation [2-616]. The Code recognizes the fact that parties to sales contracts frequently omit terms from their agreements or state terms in an indefinite or unclear manner. The Code deals with these situations by filling in the blanks with common trade practices. In this case, no length of time was addressed in the contract for Grocery to continue purchase products from Cereal. With this, Grocery did have a right to terminate at any given point of time. 5. Tom Green spent his time away from work on his hobby, model trains. His train set was very large and consisted of rare and one-of-a-kind trains. One day, while visiting with a fellow train hobbyist Harry, Tom said, â€Å"When I retire in two years from Grocery, I’m going to sell my trains and spend the rest of my years traveling on real trains.† Tom then told Harry that he was the only person he planned to offer his trains to because he knew Harry would take good care of them. Harry said he looked forward to the day when he could buy the trains. Harry then spent the next two years and most of his savings building a new 2,000 sq. ft. room onto his house to make room for the trains. When Harry told Tom that he was building the new room, Tom just smiled. Tom also heard that Harry had borrowed money from his aunt to buy the trains. When Tom retired, he sold his trains to David. Harry sued Tom claiming breach of contract, or in the alternative, for promissory estoppel. Wh o wins? Explain your answer. Promissory estoppel is when a person relies on a promise made by another even though the promise may not be sufficient to be considered a contract. The elements of promissory estoppel are a promise, reliance on that promise, and injustice that comes from that promise. These elements are apparent in this situation. Tom told Harry that he was the only person that he wanted to leave his trains to, that was the promise. Harry saying that he looked forward to buying the trains and then building a room for them was the reliance on the promise. Finally, Tom selling the trains to someone else is the injustice and the breaking of the promise. Harry should not be suing for breach of contract, but rather for promissory estoppel. There is no official breach of contract in this situation, but it is a clear example of promissory estoppel. If the lawsuit were for promissory estoppel, then Harry would win. The lawsuit being for breach of contract might cause Harry to lose because it is not complete breach of contract. 6. Organic Farms shipped a truckload of peaches to Grocery using an independent trucker. In route, the truck broke down and the shipment was delayed three days. The peaches were spoiled when they arrived. The terms of the contract were F.O.B. Who bears the risk? Explain your answer. Under F.O.B. terms, the seller is responsible for the costs and the risks associated with transporting the goods to the designated area assigned by the buyer. Once the shipment arrives at the designated area, the buyer assumes responsibility for the goods and any shipping of the goods that might occur afterwards. Since the goods were still in route to the destination (Grocery), Organic Farms is responsible for the loss and Grocery is not obligated to pay anything. Organic Farms might be able to recover the loss from the independent tucking company but this does not affect the destination contract that places the risk of loss on Organic Farms. Organic Farms would still be required to compensate Grocery for the loss, while they potentially seek reimbursement from the independent trucking company. 7. Discuss the different warranties that apply to Grocery’s business. Explain your answer in detail. There are several different warranties present in Grocery’s business. The first is express warranties. Express warranties are present because the goods conform to the description and because oftentimes, samples are available of the goods. Implied warranty is also present in this situation because the goods in Grocery’s business are merchantable. Finally, implied warranty of fitness is present here. This is apparent because the seller, Grocery’s store, knows that there is a purpose for the buyer to buy the goods. Grocery’s store also knows that the buyer is relying on the goods that are being sold and that the buyer is relying on Grocery’s for the goods. 8. Supplier, Inc., a large wholesaler, had a contract with Grocery. Supplier sued Grocery for breach of contract when Grocery failed to place an order for goods by a specific date as specified in the contract. Each order was to be worth at least $550. Grocery contended that the contract Bill Green signed was a standard preprinted supply contract without specifics regarding time of order and quantity. Green had authority to sign a standard supply contract, but could not authorize specific terms. This was unknown to Supplier. Supplier argued that the terms were â€Å"boilerplate† and could therefore be modified by acceptance. Supplier offered oral testimony at trial to prove that Green agreed to the modifications. Is there a contract? If so, what are the terms? Explain your answers. Also, discuss the use of Supplier’s oral testimony at trial. In this case, there is no contract since the quantity is not specified. When there is indefinite quantity, the buyer does not have to buy from the seller even if there if a minimum purchase amount required and therefore, the quantity required is illusory and unenforceable. As per the textbook, â€Å"it is fundamental that a contract is unenforceable if it fails to obligate the parties to do anything.† The oral testimony from Supplier Inc. cannot be used. Any modifications to a sales contract needs to be in writing. Verbal modifications will not be enforceable. References: Business Law: The Ethical, Global, and E-commerce Environment (12th ed.). Jane P. Mallor, A. James Barnes, L. Thomas Bowers, & Arlen W. Langvardt McGraw Hill, 2004 Burr Ridge, IL University of Phoenix Material: Case Scenario: Grocery, Inc, Susan Brown Parker. Retrieved from http://www.phoenix.edu

Weekly ass. #12 Essay Example | Topics and Well Written Essays - 250 words

Weekly ass. #12 - Essay Example The group has visited major motor driving schools in the states to assess the quality of training they offer to citizens so as to give recommendations to COMAR which is a body responsible with road safety. At this level it has been discovered that distracted driving as a result of cell phone calls has been seen as unsafe both for the driver and passengers. The group has also consulted the Motor Vehicle Administration, which has promised to cooperate with the group and give substantial information that shall be used in the project on the use of mobile phones on our roads. Among our findings, it was suggested that those who undergo driving education programs tend to imitate their instructors on their behavior of handling cell phone calls while driving. This is unsafe and against the laws on road usage. According to COMAR 11.23.02.18D, it is indicated that a certified instructor may not use a cell phone or allow the student to use a cell phone in a moving motor vehicle while conducting behind the wheel instruction except in the event of an

Winterbourne View Hospital Essay Example | Topics and Well Written Essays - 3250 words

Winterbourne View Hospital - Essay Example On 12th of May 2011, the South Gloucestershire Council got a forwarded letter, which was addressed to the Castlebeck Ltd. The letter had been originally delivered by means of hand to the Wiltshire County Council. The letter, which consisted of five pages and was updated, came from a certain BBC Panorama Programme’s producer (Department of Health 2012). It had allegations that some patients at the Winterbourne View Hospital were subjected to abuse, and this included the patients from Wiltshire, who was within the Winterbourne Hospital. Wiltshire County Council, upon the reception of the letter, forwarded it to the South Gloucestershire Council since Winterbourne was within the location of the council. The prime purpose of the forwarded letter to the Castlebeck Ltd was to illustrate defined examples to the company on how the patients were being subjected to systematic mistreatment by the staff. The main concerns of the letter was the staff’s abusive treatment of patients, the staff’s motivation in the utilization of illegal and dangerous methods of restraint, the pointless suffering of Winterbourne’s patients, the care philosophy abused by some members of staff, the practice of water-based method of punishment, and the professional boundaries transgression (Emerson, E., Robertson, J., Hatton, C., Knapp, M., Walsh, P. and Hallam, A. 2005). Therefore, following the Winterbourne case, the Mental Health Act and the Human Rights, in general, have a big part to play. The Mental Health Act of 1983 was subjected to an amendment in 2007 and is a law in Wales and England that allows for admission to hospital for individuals experiencing a mental disorder.  Ã‚  

Legionaires Disease Research Paper Example | Topics and Well Written Essays - 1250 words

Legionaires Disease - Research Paper Example The laboratory tests of the patients suffering from legionnaire’s disease reveal liver dysfunction, renal dysfunction and electrolyte imbalance. Chest X-ray shows consolidation of portion of lungs. Ataxia, confusion and memory loss are also common signs of legionnaire’s disease. (Levinson 2008) Legionnaire’s disease is caused by a bacteria Legionella pneumophila. Legionella pneumophila is a gram negative, aerobic bacterium which is primarily a human attacking bacterium. Pontiac fever is also caused by legionella pneumophila in which no pneumonic symptoms are seen. Legionella pneumophila are found in aquatic bodies. Legionella pneumophila bacteria grows at temperatures between 25 ?C to 45 ?C. Legionella pneumophila takes two to ten days to cause legionnaires disease after attacking a person. Legionella pneumophila can also cause the inflammation of pericardium, haemodialysis fistula and infections of the skin. A Legionella pneumophila bacterium is usually transmit ted by inhaling aerosol or drinking water containing legionella pneumophila bacteria. Aerosol is a liquid droplet or solid particle which floats in gaseous medium. Water is evaporated in the form of small droplets which are unable to be seen by naked eye. If the water contains bacteria legionella pneumophila then the evaporated droplet will also contain the bacteria and if someone inhales the droplets then the person will get infected. When a person inhales the aerosol containing legionella pneumophila, the bacteria move towards the lungs but the cilia prevent their entry to the lungs. Smoking causes the injury to the cilia and makes this possible for the bacteria to enter the lungs. In patients who smoke it is easier for the bacteria to reach the lungs and attack the respiratory cells. The bacteria enter the cells in response to which the neutrophils and macrophages migrate towards the bacteria to destroy them. The macrophages engulf the bacteria but cannot destroy them and the bac teria start replication within the macrophages. The bacteria replicate in a quantity which makes the macrophage burst and the bacteria come out of the macrophage and attack a new macrophage. Legionella pneumophila does all this with the help of secretions. The legionella secrete different types of secretions. The chief secretions of legionella pneumophila are type IV secretion system and type II secretion system. Type IV secretion system is called icm (intracellular multiplication) or dot (defective organelle trafficking) which are required for intracellular growth of legionella in macrophages. It is for this reason that legionella pneumophila is also known as intracellular pathogen. Dot/icm secretion is the most important secretion of the legionella pneumophila which is necessary for legionella bacteria pathogenicity. Dot/icm secretion systems have different substrates like Ralf, LidA, LepA and LepB. The localization of ARF on phagosomes which contain legionella pneumophila require s the Ralf. LidA is required for the multiplication of bacteria within the macrophages; LepA and LepB cause the release of the legionella pneumophila from the macrophages after intracellular multiplication. The sources where the water contains legionella pneumophila bacteria are cooling towers, evaporative coolers, whirlpool spas, ice making machinery