Saturday, May 30, 2020

Testing Clothing Standards - Free Essay Example

Based on Wildes (Nov 3, 2017) article in the 1980s, public schools were often compared unfavorably to Catholic schools. Wilde (Nov 3, 2017) noting the perceived benefit that uniforms conferred upon Catholic schools, some public schools decided to adopt a school uniform policy. Referring to the article Do Uniforms Make Schools Better? Wilde (Nov 3, 2017) implies that President Clinton provided momentum to the school uniform movement when he was quoted in his 1996 State of the Union speech, If it means teenagers will stop killing each other over designer jackets, then our public schools should be able to require their students to wear school uniforms. Uniforms are unquestionably simpler for chairmen to authorize than clothing regulations says Wilde (Nov 3, 2017). Consider two late cases of understudies testing clothing standards through the courts mention in this review. Do Uniforms Make Better Schools?Wilde (Nov 3, 2017) writes in her article (Do Uniforms Make Schools Better?) that generally, apparel directions are considerably less restrictive than uniform methodologies. In cases, clothing types are expected to control school furiousness and enhance scholastics. Some may address, why are they not additionally overpowering in the center and assistant schools, where these objectives are similarly as essential as in audit schools? In the wake of looking at Brunsmas investigation, Wilde found that he trusted that he discovered it insanely in a general sense more hard to finish equips in discretionary schools, and significantly center schools, for understudy protection is a ton higher.ParticipantsMarian Wildes (Nov 3, 2017) article Uniforms versus Dress Code, depends on the exploration of Virginia Draa, David Brunsma Rowman and Littlefield Education, and Barbara C. Cruz for as far back as decade has been founded on how, schools, guardians, and understudies have conflicted over the issue of controlling understudy clothing. Wildes (Nov 3, 2017) think about incorporates 2007, a case including a hostile to Bush T-shirt in Vermont, against a gay T-shirt in San Diego, and Tigger socks in Napa, California, advanced through the courts, making numerous ponder whether this civil argument will ever be settled.Assessments and MeasuresIn the meantime, Do Uniforms Make Schools Better? There are some that would concur and some that would differ and are partitioned over the amount of an effect if any dress strategies have on understudy learning. Wildes (Nov 3, 2017) references her composition to a 2004 book which puts forth the defense that clothing doesnt enhance school wellbeing or scholastic teachings. Alongside a recent report, in which then again, shows that in some Ohio secondary schools uniforms may have enhanced graduation and participation rates, albeit no upgrades were seen in scholarly execution.The pros and cons of school uniformsWildes (Nov 3, 2017) reports look at the individuals who battle that school garbs disregard an understudys entitlement to the flexibility of articulation and that uniform are basically a Band-Aid on the issue of school brutality making understudies a target from different schools, Wilde (Nov 3, 2017) composes. Wildes (Nov 3, 2017) report likewise proposes that the individuals who contradict uniforms unequivocally trust that outfits are a money-related weight for poor families and are uncalled for the extra cost for guardians who pay charges for a free government funded training and its hard to implement in the state-funded educational system. A few guardians and study contend that dress is a flexibility of articulation and gives an understudy a character (Wilde Nov 3, 2017).Whats a uniform?Wildes (Nov 3, 2017) research about presumed that one school may require white direct shirts and ties for youthful colleagues, wrinkled skirts for young ladies and coats enhanced with the school logo for all. In the event that clothing types are expected to control school wildness and enhance scholastics, why are they not all the more overpowering in center and helper schools, where these objectives are nearly as fundamental as in survey schools? Wilde (Nov 3, 2017) additionally takes note of that Toledo female understudies are permitted a genuinely expansive combination of dress things, regardless: pullovers, polo shirts with collars, turtlenecks, skirts, jumpers, slacks, and knee-length shorts and skirts.What is Dress Code?Marian Wilde (Nov 3, 2017) proposes in her article (Do Uniforms Make Schools Better?) that for the most Wilde (Nov 3, 2017) infers part, apparel controls are significantly less restrictive than uniform methodologies. Now and again, nevertheless, attire directions are about as strict, as in light of a school in Napa, California. Wilde (Nov 3, 2017) says that this particular schools dress standard anticipated that understudies would wear solid tones and confined pictures or logos on articles of clothing. Exactly when an understudy was sent to confinement for wearing socks improved with the photo of Winnie-the-Poohs buddy Tigger, the young womans family sued the school area for harming her entitlement to tal k unreservedly. In August of 2007, the locale detailed it would loosen up its attire standardfor the presentto allow pictures and surfaces other than solid tints. Wilde (Nov 3, 2017) found that the zone manager while surrendering that disallowing pictures on articles of clothing raises stresses over the repression of political and religious talk, pronounced his objective to move soon toward executing formal attire in the district.Dress Conduct Misconduct Outfits are verifiably less complex for administrators to approve than attire controls. Wilde (Nov 3, 2017) additionally specifies the way that in June of 2007, the United States Supreme Court kept up a lower courts decision attesting a Vermont understudys entitlement to wear a T-shirt portraying President Bush encompassed by medication and liquor pictures. Wildes (Nov 3, 2017) article shows that in March of 2007, the Supreme Court surrendered or set aside the decision of a lower court keeping up a San Diego optional schools suspension of an understudy for wearing an antagonistic to a gay T-shirt.ResultsExaminers at the University of Nevada, Reno, had found that 1,350 seventh and eighth graders considered the change after a school uniform technique was executed in three Nevada focus schools in 2008 and 2009. This is obviously as indicated by Wildes (Nov 3, 2017) report, Do Uniforms Make Schools Better?Outcome 1Uniform versus Dress Code According to Wildes (Nov 3, 2017) discoveries, 90% of understudies, uncovered that they detested wearing uniform. Regardless, other data showed more nuanced occurs. Fifty-four percent of understudies agreed that in spite of all that they had their character while wearing a uniform, while half agreed that outfits saved their families money. In any case, only forty-one percent of understudies agreed that th ere was less gang involvement at their school after uniforms were required (Wilde, Nov 3, 2017).Outcome 2Do Uniforms Make Schools Better? Be that as it might, Wilde (Nov. 3, 2017) reasons that when the experts researched school and neighborhood police records and contrasted them with the prior years data, train referrals were down 10%, there were sixty-three percent less police log reports, and splash painting, fights, and pack related activity were all down.ConclusionIn conclusion, taking everything into account, the worry is that another example is a mounting strain to develop garments benchmarks for instructors. Uniforms vs Dress Code Obviously, the same accommodating state of mind toward revealing outfits are jumping up in the places of our educators. Wilde (Nov 3, 2017) writes in her article ( Uniforms vs Dress Code) that generally, attire directions are considerably less restrictive than uniform methodologies. Since, says Brunsma, Its madly on a very basic level more hard to finish equips in discretionary schools, and extensively center schools, for understudy protection is a ton higher. The open pondering over Improve? By Marian Wilde (Nov 3, 2017), uniform in state-financed schools incorporates various greater issues than exactly what youths should wear to class. It tends to issues of school change, an open door for enunciation and the lifestyle wars. Its no enormous amazement the practical discourse fumes on.

Friday, May 29, 2020

Writing Essays - The Best Point Essay Sample

<h1>Writing Essays - The Best Point Essay Sample</h1><p>Finding your own demeanor from many point article tests can be a troublesome assignment. With an end goal to improve your point article composing style, a great understudy that you can gaze upward in a book could bring an abundance of bits of knowledge and thoughts into your writing.</p><p></p><p>However, you may be searching for something other than what's expected, maybe a point exposition test that contains the best focuses. You will probably need to use the first point article tests, as opposed to the last duplicates of the expositions. With a touch of exertion, you will have the option to deliver proficient papers that will have the creator's stamp on them. Coming up next are a few distinct perspectives you can use in your point essay.</p><p></p><p>The first point exposition tests are quite special. Frequently, the examples give the essayist the contrary pers pective from the first thought. For instance, you may have the essential thoughts yet make them intrigue entries that will diverge from the piece.</p><p></p><p>You ought to give a valiant effort to locate a similar unique thoughts and examples that the focuses speak to yet discover another approach to communicate the thought. In some cases the one thing in the paper will appear to be inadmissible, yet the exposition will establish a more profound connection once you toss in an individual tale about how it has influenced you. The story may have been increasingly unique, however was never introduced as the central matters of the essay.</p><p></p><p>The best point exposition tests might be ones that include a portion of the papers past authors. With some light altering and correcting, you may have the option to turn the first to your own style. Too, you may have your own exposition submitted later on. There is no better method to utilize your thoughts than to transform the first thought into an individual essay.</p><p></p><p>The best models are the ones that go into a profound investigation of the composition. The best exposition scholars will make you consider the qualities and shortcomings of the article you are considering composing. They will make you consider thoughts that are not mainstream but rather interesting.</p><p></p><p>The unique thoughts ought to be utilized as a springboard to the issue the essayist needs to illuminate. Along these lines you can make an extraordinary layout that you can use in your point article test. The final product is a durable article that will genuinely dazzle the editors.</p>

Tuesday, May 26, 2020

Examples of Informative Essay Topics Ideas

<h1> Examples of Informative Essay Topics Ideas </h1> <h2> The Basics of Examples of Informative Essay Topics </h2> <p>'Informative papers are accessible in numerous structures,' she clarified. A wide range of papers require references, so it will be a smart thought to keep information pretty much the entirety of your sources in 1 spot. In any case, you need to grasp what recognizes instructive papers from some different assortments of scholarly papers. Peruse on to discover increasingly about how to develop an educational exposition, along with instances of instructive articles to help you in beginning. </p> <p>The definition article is effectively the most fundamental sort of an enlightening exposition. When you finish the useful article plot, you're set up to really start composing your paper. A useful article layout contains four major parts. Obviously, you ought to make a brilliant enlightening paper layout first. </p> <p>Meanwhile, in case you're not set up to dedicate cash on composing administrations, you should make the instructive exposition all alone. Subsequent to reaching numerous greatness understudies from a few schools, our specialists have assembled some of the absolute best useful article subjects to empower you to decide on the thought. When you settled regarding the matter, right now is an ideal opportunity to plunk down and put in a couple of hours or increasingly dependent on the task's volume on the educational exposition layout. It is astute to direct suitable research before recording it. </p> <p>If you are a newcomer to composing instructive papers or basically battle when it has to do with considering enlightening exposition subjects, at that point there's an incredible possibility you might be scanning for some assistance. Scholars, who center around the significant thought and suitable organization, utilize sensible articulations, in this way think that its easy to create an educational article. For example, on the off chance that you have three significant thoughts supporting your theory, you need to incorporate, in any event, one specific sentence for all of them. The most significant thing you should know preceding picking an exact subject for your enlightening exposition is the way that it must be easy to expound on and be something you really feel energetic about. </p> <p>Using great educational paper themes can affect how great an evaluation you get. The most reasonable paper they assist you with getting a harsh vibe of the genuine articles. Select a point which you could talk about straightforwardly and uninhibitedly, and create the exposition like you were telling about this issue. Alongside the 3 techniques, there are bunches of means by which you can sort out an instructive article that conveys a definition. </p> <p>Ensure you portray both the advantageous and negative aspects of the subject before finishing up if it's positive or negative. Remember to make theoretical cases concrete, or so the peruser knows exactly what you mean. A proposal is just a solitary sentence that communicates what you're probably going to talk about. Explicit models from some of the examination was refered to. </p> <h2>A Startling Fact about Examples of Informative Essay Topics Uncovered </h2> <p>The absolute first passage p resents your significant thoughts and stands out to the rest of your work. Remember, you're constrained in words and are anticipated to compose just to the point without filling in the holes with superfluous subtleties. On the off chance that the theme doesn't have numerous viewpoints like the strategy for picking an enlisted nurture in the local medical clinic, 3 sections would be adequate. Select the subject people find instructive and promptly. </p> <p>Whether you're an understudy in secondary school or school, there's a 100% possibility you should make some compose of useful exposition during your instructive decades. Such top to bottom investigation likewise demonstrates that you're not one-sided and took as much time as is needed to fathom the subject. Your exposition may consolidate the clarifications for adolescent pregnancy and discussion about the current paces of high schooler pregnancy and potential arrangements. Give an incredible enlightening discourse regarding this matter and help your groupmates with their next research undertaking. </p> <p>In truth, it's very easy to save a real existence and there's nothing more needed than a minuscule piece of your time. Different things to different people, since the circumstance requested. Myself, Josh, and the rest of the group have been working exceptionally intense to make the game stick out from the rest of our current tasks, and we accept we've done it. A limited subject like the most noticeably awful area to sit down in the workplace will be a lousy decision also endeavor to arrive at a fair compromise by choosing, for example, an enlightening article on the triumphs of Alexander or procedures to cook Italian dishes. </p>

Sunday, May 24, 2020

What Do You Write About When Writing an Essay About Happiness

What Do You Write About When Writing an Essay About Happiness?The first inquiry numerous understudies pose after they finish their school profession is about what do you expound on when composing an exposition about joy? All things considered, let's face it. The vast majority these days are not exceptionally keen on making a considerable commitment to their scholarly career.Well, that is only the truth. Furthermore, that is the reason they take a gander at the exposition composing process as a novice try that will bring them little prize. Furthermore, you can see that is unequivocally what's going on in a large portion of the courses nowadays where understudies don't take a gander at composing an exposition as a unique event that can upgrade their career.They simply sit in the auditorium and stay there for quite a while - with no respect for how their composing will be deciphered by the educator. Or on the other hand they present their composition to the educator with no thought of h ow it will be acknowledged or not. So with regards to what do you expound on when composing a paper about bliss - you need to change your attitude.Well, most importantly you need to take care of business. That is the initial step. It's never past the point where it is possible to begin considering composing a paper about happiness.I realize you need to take care of the tabs nowadays and taking care of the tabs must mean a certain something - beginning to adopt a reasonable strategy. In that capacity, the opportunity has already come and gone that you begin perusing significantly more books, play contents, even news on the web about the world - all that you could consider can make a difference.Reading these things can open your eyes and give you another point of view. What's more, something very similar applies with the papers. Peruse the article expounding on joy with the goal that you can get a thought of what the educators anticipate from you.If you startby thinking about what you might want to accomplish at that point it's simpler to design your exposition so that you can accomplish the objective in the most limited conceivable time. You can likewise be certain that the article expounding on joy is definitely not an exercise in futility and in actuality it will be valued by the teacher and will present to you a passing mark in the course.

Friday, May 22, 2020

Environment Essay Topics

<h1>Environment Essay Topics</h1><p>Environment exposition themes will incorporate a wide scope of subjects and points. The themes can be about organic, regular and modern components of the earth. The earth is continually changing because of the activities of individuals. As people change, the earth changes as well.</p><p></p><p>When you compose a point or a topic you are writing your contemplations and your sentiments down. This article will talk about certain themes that you can use to assist you with composing papers about nature. You may not consider this yet you may discover it is significant when you are composing your essay.</p><p></p><p>Make sure that you compose your articles in a style that is anything but difficult to peruse. Take a gander at a portion of the paper themes you can use to assist you with composing a subject. You can utilize themes like this for a style. This will assist you with slipping yours elf into your articles since you will have a topic that you can identify with as you experience your essays.</p><p></p><p>Your subject ought to contain differed thoughts that identify with your exposition theme. As you begin to compose these article points, ensure that they stream well. A portion of the things you ought to remember for your article points are about a lady who incidentally finds a malady by watching an infant being contaminated. You can utilize this subject to expound on individuals who are energetic about nature and need to safeguard and ensure it. As people keep on contaminating nature and imperil it, we are additionally dirtying our planet and we are losing a greater amount of it.</p><p></p><p>When you expound on a point, ensure that you incorporate contemplations and thoughts regarding things that relate to it. The science and innovation of today ought to be a piece of what you think about. Despite the fact that the earth is getting more established, we should even now endeavor to keep it safe and the earth in the most ideal shape. It's anything but a simple errand. You ought to find out about what should be done to spare the earth today and what you can do to keep it from turning into a progressively harmed environment.</p><p></p><p>The thoughts regarding nature and the earth are about ecological thoughts. At times you can utilize this subject to instruct about nature and how it is identified with ecological issues. While composing this subject, you have to think about the possibility of preservation, which is the means by which a general public ensures and jelly the earth and its creatures.</p><p></p><p>When you need to instruct about your general surroundings, you can utilize a portion of the ecological points to assist you with your expositions. Notwithstanding, when you use them, ensure that you put your considerations and sentiments on pape r.</p>

Wednesday, May 20, 2020

Ancient Art History Research Paper Topics

<h1>Ancient Art History Research Paper Topics</h1><p>Ancient Art History Research Paper Topics incorporate prehistoric studies, Egyptology, engineering, Byzantine Art thus substantially more. The principle wellspring of data is the composed sources and written words like flyers, papers, books and magazines.</p><p></p><p>Ancient Art History Research Paper Topics covers prehistoric studies, Egyptology, archeological locales, Greek Art, Byzantine Art, workmanship history, old archeological finds, thus substantially more. The principle wellspring of data is the composed sources and written words like flyers, papers, books and magazines. Antiquarianism is identified with the cutting edge world and it will likewise decide to what extent individuals can make due in this world. Archaic exploration of old destinations and antiquities will help in informing us regarding our present and furthermore our past.</p><p></p><p>As a wor kmanship student of history or paleologist you ought to have the option to peruse and understand old craftsmanship history investigate paper themes. Archeological discovers, which are made by archeologists and scientists, on ancient rarities are alluded to as archeological finds.</p><p></p><p>It is a significant sort of examination. Archeologists are essential for knowing the past through chronicled records.</p><p></p><p>It is critical to inquire about well on old craftsmanship history investigate paper subjects. Information about culture, human advancement, society, way of life, convictions, and financial issues will give you a ton of helpful data. Paleohistory gives data about the life and times of the old human progress and will likewise offer the responses to questions.</p><p></p><p>Ancient Art History Research Paper Topics includes its examination for authentic and archeological purposes. Workmanship was no t only for eminence and privileged people. It was utilized by the everyday citizens, laborers, slaves, ranchers, skilled workers, and even the kings.</p><p></p><p>If you realize how to look into well on antiquated craftsmanship history examine paper themes, you will have a great deal of information about it. It will help you in comprehension our history.</p>

Saturday, May 16, 2020

The Battle Over Act Essay and College Requirements and How to Win It

<h1> The Battle Over Act Essay and College Requirements and How to Win It</h1> <p>You can proper a few or every one of the models in it to use in your exposition. When you get your finished article, be sure to mention to every one of your companions what a phenomenal help it is and what's the perfect spot to get modest expositions. Presently you know about how to form an incredible ACT exposition. A skillfully ordered confirmation exposition will help the candidate to focus on fruitful features of his scholastic life and give better than average record of himself. </p> <h2> Choosing Act Essay and College Requirements Is Simple </h2> <p>Application for Admission and class e-plans are offered on the web. Administrations Cases can contrast. Understudies could be acknowledged without the proposed assortment of courses in a particular field dependent upon the situation. </p> <p>If you need to get considered for admission to the Harriet L. Wilkes Honors College, you'll have to present an additional application along with meet their confirmation standards. Application for Admission and e-class plans are offered on the web. Look at with the foundation to discover whether it offers such classes. We comprehend that as an ECHS understudy, you aren't exactly the same as most approaching green beans, in this way it is consistent your affirmations procedure ought to be somewhat unique as well. </p> <p>You may choose to choose the opportunity to re-take the ACT test to expand your subject scores. By doing this, understudies will have the decision of stepping through the exam again in the event that the scores aren't palatable. At whatever point you have the last score that you're charmed with, after that you can send just that score to the entirety of your schools. For progressively exhaustive data in regards to ACT target scores, view the post on what's an incredible ACT score. </p> <h2>Finding the Best Act Essay and College Requirements </h2> <p>It's conceivable to investigate their profiles to discover more. For example, in the event that you think composing a contextual investigation or finishing an information examination is clear, study you've never francais this. Additionally, you ought to do well to get a solid application. Download our free guide on the best five systems you must use to improve your score. </p> <p>It can be noticed that practically these on-line classes are intended for working experts. The current day shopping centers and multiplexes additionally have shown up inside this private locale of South West Delhi. Notwithstanding its developing social and ethnic assorted variety, State University is transforming into an ace at building up a specialty for every single understudy. On the web, it isn't only the ideal spot for me, necessities is the main spot for me. </p> <p>These schools are considered among the absolute bes t of them, and you'll watch the standard score ranges for affirmation are a lot of like those for bigger top colleges. Close to 1 year of ESL-type courses can be used to satisfy this prerequisite. Your universities will get your scores in three to about two months, along these lines it is smarter to choose the test at least three months before the confirmation cutoff time of the school of your pick. Del Mar College utilizes evaluation scores to assist you with choosing the best courses to accomplish your objectives dependent on your current measure of perusing, composing and math. </p> <p>Teach them what an incredible home life seems like. Regularly there's an advertising group in a publicizing office which helps business house assemble altruism in the commercial center and furthermore give data with respect to the business house and their merchandise and ventures in the business. You must show them not to dispose of track of the noteworthy things. Take a gander at each subject area and action for every person in your habitation. </p> <p>The Organization scoring space is a genuinely simple one to prevail on in the occasion you follow the convention, so ensure that you grab your focuses here. This is basic for your testing technique. Contention ejected not long after the ACT presented a changed exposition composing task in September that is being reviewed for the absolute first time on precisely the same 36-point scale as the rest of the test. </p> <p>If you own a blend of a math and lab science inadequacy, you aren't allowable. I am associated with a great deal of patterns of dawdling both of all shapes and sizes. These highlights resemble those that hood examines the earlier clients o what is the genuine subject of this sentence. </p> <p>you have an amazingly generally excellent chance of raising your score, which will fundamentally help your chances of getting in. On the off chance that you surpass their necess ities, you have a great chance of getting in. At last, it is conceivable to likewise utilize the totally free instrument from Cappex that will permit you to comprehend your chance of getting into a specific school. In the event that you don't see your school on such rundown, they may be anticipating a last decision. </p>

Integrating My Faith and My Profession Essay - 1513 Words

Abstract This book provides an educational resource in the understanding relationship between psychology and Christianity. The book incorporates our chosen profession with our faith confession as an integrative approach. The book explains the integration of psychology and Christianity as a journey with multidisciplinary natures. This book emphasizes on several areas, such as historical outlooks on faith and science and the essence of psychology. The associations of psychology and theology are in effect unavoidable due to their common significance in accepting the uncertainty of human behavior and healing human factors. The book also concentrates on general worldviews and essential components of Christian worldviews and our ability†¦show more content†¦Throughout the chapters, the book categorizes models of disciplinary relationships, for instance antagonistic involves enemies paradigm, intermediate involves spies paradigm, colonialists paradigm, and neutral parties paradigm, and integrative involves allies paradigm. Neutral parties construct two sections of theological and psychological conclusions, for example Psychological neutrality, which arises when an individual is dedicated to the occupation of psychology and concurrently embraces religious, but not necessarily Christian beliefs. Christian neutrality takes place when someone is devoted to the career of psychology and at the same time holds Christian beliefs. David Entwistle (2004) also states that integrationist feel that, â€Å"God has given us two books, the book of His word and the book of His works† (pg. 274). David Entwistle (2004) clarifies that, â€Å"The book of God’s word, which reveals the will of God; and the book of God’s works, which express His power† (pg. 308). For all intents and purposes, the book is primarily summed up in a variety of approaches linking psychology and Christianity from fairly common supposition and assumptions and those interested in models of integration, worldview subjects, and philosophical foundations. The book is intended too focal point psychology andShow MoreRelatedIntegrating Psychology And Theology Case Study1034 Words   |  5 PagesIntegrating Psychology and Theology does not look the same for everyone, but I feel it is important for Christians to remain true to their faith while working in the field that God has set forth for them. God has appointed His servants as the light in our darkened world. It is through Him that we are able to gain knowledge and understanding of the world around us. I believe that God has left us instructions in the Bible that cover all aspects of life and give us a starting point to base our knowledgeRead MoreThe Ethics And Values Of Healthcare912 Words   |  4 Pages(Merriam-Webster, 2015) My own definition of ethic is practicing kindness, respect, and fairness. Taking credit for the work you have done regardless good or bad. I believe children should come first b ecause children are our future. The definition of values according to the Webster dictionary is, â€Å"usefulness or importance,† (Merriam-Webster, 2015) my own values are as followed treat everybody with respect and kindness. Learning from your mistakes. Don’t hold a grudge. My ethics and values are alwaysRead More4 Mat Review of Integrative Approaches to Psychology and Christianity 2nd Ed.1309 Words   |  6 Pagesand soul. Christian understandings of personhood, the purpose of human life, our need for God, and the ethical teachings of Christian faith, Entwistle argues, are integral to psychology, not merely parallel to it (p. 199). By making his opinion clear throughout several sections within the text Entwistle is projecting his position on the subject of integrating theology and psychology very clear. The main focus in this text is on the integrative approaches in a well-conceived Christian worldviewRead MoreComplications : The Natural World Based On Facts Learned Through Experiments And Observation1482 Words   |  6 Pagesof education, science, instinct and chance. The book touches on everyday medical issues that we, as medical professionals, have accepted as a norm. Atul discusses his personal experiences and questions his own profession which, personally, can only better you more in your profession. â€Å"No matter what measures are taken, doctors will sometimes falter, and it isn t reasonable to ask that we achieve perfection. What is reasonable is to ask that we never cease to aim for it.† (Gawande, 2002) GawandeRead MoreIntegrative Approaches Of Psychology And Christianity1529 Words   |  7 Pagesstruggled with my faith because I had difficulty integrating opposing worldviews. Although I believed in the sovereignty of God, I had difficulty accepting the biblical account of creation in light of what I considered credible empirical evidence. To make my inner conflict even more unsettling, in 2001 I began sensing God calling me to ministry. After an exacerbating decade of trying to persuade God to change His mind, I enrolled at Liberty University [Online]. I received my Bachelor s degreeRead MoreA Theoretical Orientation As A Counselor848 Words   |  4 Pagestreatment and applying theories, (with sub-parts). The third part is integrating your theoretical orientation which deals with preparing students for practicum and internship by providing a framework for the assessment, intervention and treatment of client. This paper will focus on mainly the three part when developing a personal theoretical orientation, which is important for professional development in social work profession. Developing your theoretical orientation Part one involves ten waysRead MoreThe History Of Psychology By Benjamin s Mainstream Narrative, Lecture Notes, And Other Readings From Class2287 Words   |  10 Pagescompare their relevance to my own story, to show the importance of worldview visibility and being a deeply engaged strongly perspectival Christian. Throughout my life I have struggled to find balance between confessing my faith while being fully immersed within the world. These seems to correlate with the history of psychology as they are trying to become more scientific while holding onto Christian morals. During this essay I will explore the story of my life and the history of psychologyRead MoreThe Career Of Nursing As A Career In Nursing1614 Words   |  7 Pagesleadership is essential to transforming organizations into environments that are safe for both patients and staff† (p. 422). Therefore, it is vital that as new nurses start out his or her careers that they learn from great leaders who are already in the profession. There are several great leaders working in the field who have a plethora of knowledge to offer new nurses. The nurse I chose to interview chose to not be named. She is a professor at Viterbo University who teaches the family course and alsoRead MoreThe Social Work Profession And Career Interests1946 Words   |  8 PagesAssignment Introduction My perspective about the social work profession and career interests have been evolving and gaining more depth since I entered the MSW program. I would like to contribute to the betterment of the lives of the disadvantaged or marginalized individuals, and I am confident that graduating from the UTSA MSW program will enable me to apply my knowledge to culturally competent practice. It was my career in teaching that directed me through the years of my professional experienceRead More Terry Tempest Williams Refuge Essay examples1926 Words   |  8 Pagesto appreciate nature and family, finding God in both. It is through her Mormon faith that Williams is able to survive the pain, suffering and fear cancer causes her. Williams describes the deep-rooted connection between her Mormon faith and her family in the opening pages of Refuge. Through her family, Williams supported her mother and grandmother through their fatal cancers, while acknowledging that her Mormon faith stresses family and community (Williams 13), providing Williams, her mother and

Wednesday, May 13, 2020

Rhetorical Analysis Essay Writing Service

<h1>Rhetorical Analysis Essay Writing Service</h1><p>Murray and Associates' logical investigation article composing administration furnishes individuals with the capacity to make an expert evaluation for the relational abilities they require. The organization's examination shows that the vast majority of the understudies who head off to college don't have the foggiest idea how to impart successfully, which is the reason they ought to apply to the organization for help.</p><p></p><p>The staff essayist can set a program that will investigate the kind of composing style the understudy has. The undertaking can be finished in a short time or less. In the event that you are sick of battling to make up the score that you need, there is another alternative: recruit an expert to do it for you.</p><p></p><p>Those undergrads who neglect to compose their own articles, and pick rather to depend on a staff author to do it for them, endure an assortment of repercussions. To begin with, there is the general absence of help. Second, the material is for the most part of a lower quality.</p><p></p><p>Another issue with autonomous examination programs is that numerous understudies have no clue about how to do it well. It takes long stretches of training to get capable at composing an excellent article, and it isn't generally the situation that understudies have a firm handle of the subject.</p><p></p><p>In expansion, understudies who utilize an outer author are significantly more liable to make linguistic blunders and to utilize ill-advised accentuation. While the organization's administration isn't really superior to an understudy's own composition, it is frequently better than a staff essayist who makes the equivalent mistakes.</p><p></p><p>When understudies find a new line of work talk with, they are generally posed inquiries about how they d id on the test and about how they took care of muddled inquiries in the course. In the event that a staff essayist is posed those sorts of inquiries, the author is bound to pick ineffectively and convey an awful grade.</p><p></p><p>So the decision for most understudies is to just do an autonomous investigation and disregard finding a new line of work meet. There is additionally the likelihood that a staff essayist may as of now know about this or of their alternatives, so the individual in question may not know about this.</p>

Most Noticeable Article Critique Example

<h1> Most Noticeable Article Critique Example</h1> <h2> The Foolproof Article Critique Example Strategy </h2> <p>A investigate isn't precisely the same as a show that the finish of someone's contention is bogus. A substantial study exposition is proposed to exhibit somebody's impression of a particular article. To form an article scrutinize in an appropriate manner, you must peruse the article more than once. View the best article scrutinize model. </p> <h2> Article Critique Example at a Glance</h2> <p>Describe the advances the review proposes, and the manner in which the post may propel the field all around. The absolute first zone of the article audit composing process is perusing the report to be explored for the absolute first time. It is lacking to make up an outline of the review. An outline of an examination article expects you to share the critical purposes of the article with the goal that your peruser can discover a comp letely clear image of what the short article is about. </p> <h2>Ideas, Formulas and Shortcuts for Article Critique Example </h2> <p>There are various strategies to structure a scrutinize. In case you're keen on learning the best ways to deal with make an article investigate, this is the absolute first rule that you should handle to get a distinctive handle of the elements behind studying a report. Despite what the theme is. A few looks into talk about a general theme while some are dealing with something explicit. </p> <h2>The Unexpected Truth About Article Critique Example </h2> <p>The data on the few words, expressions and ideas are accessible on the web or even at the library. The substance should be reasonable for the area, and all data should be introduced in an intelligent technique. Article investigate designing is a basic procedure which requires time and endeavors. Start with the expansive impressions first and afterward move into the realities of the specialized components. </p> <h2> Using Article Critique Example </h2> <p>To start with, how about we investigate what is associated with composing an evaluate. The significant body contains all areas examining and studying the guide. The primary objective of an article scrutinize is to feature and make a broad survey of the author's significant thoughts. </p> <h2> The New Angle On Article Critique Example Just Released </h2> <p>If you know about how to make an article scrutinize, you will promptly complete the task not founded on its multifaceted nature and arranging idiosyncrasies. It would likewise be valuable to be given information about the legitimacy of the RLSS. In precisely the same time, inclinations are regularly the consequence of a limited perspective. </p> <p>Contrary to different sorts of composing, during the learning procedure of the best approach to form a study, you'll find that the body of a study generally has a careful assessment of the work, alongside a diagram of the article being referred to. A scrutinize may incorporate a compact outline, yet the essential spotlight should be on your assessment and investigation of the examination itself. An essential assessment ought to likewise go above and beyond and dissect the article while assessing its prosperity with respect to its target. It doesn't just feature negative impressions. </p> <h2>What Article Critique Example Is - and What it Is Not </h2> <p>Journal scrutinizes examine a wide range of subjects. Composing an article survey has after some time was demonstrated to be a strenuous task for about the entirety of the understudies. As expressed by the diagram of the new scholastic reviews held by Harvard and Yale, 80% of all creators work better o n the off chance that they have a delineation of fundamental substance before those. </p> <p>The just intends to form a phenomenal article audit without perusing the entire substance is to connect with proficient on-line composing administrations. Take notes on exactly what the utilization of the post is, and whether the information introduced is important. A few perusers will find the hypothetical model hard to fathom. They will most likely locate the hypothetical model fairly hard to see totally. </p> <p>The absolute best strategy is to find an article you like and talk about it together with companions or family members. The significant quality of the short article concerns the impartial point of view on the current situation with the occasions. The point of an article audit is associated with values that the individuals today join to assessment from others about certain data in a particular field. </p> <p>The strategies area conveys enough dat a to allow the investigation to be reproduced. Using a delineation may incredibly permit you to make a suitable structure, utilize essential designing systems and shape the whole work as indicated by educator's requests. In the reacting area of the human body, you're entrusted with clarifying your general assessment of the post. The treatment variable of the examination is the kind of vehicle. </p> <h2> Hearsay, Deception and Article Critique Example </h2> <p>Nevertheless, the genuine key to a prosperous research paper is association. Furthermore, it is proposed to break down the article's decision and prologue to stress the paper's center components. At the point when you're endeavoring to start your exploration paper you should get a brilliant blueprint and structure some significant recommendations for look into themes. Furthermore, it's suggested checking the artistic and formal strategies utilized by the creator as well. </p> <p>Assess the co ntent when you have perused the content, you can begin to rate the creator's thoughts. The absolute first perusing of the post is indispensable, as it helps the peruser to connect with the creator of the post to be looked into. The all out reference for the review is placed in appropriate configuration following your title. An extraordinary title will arouse your curiosity however normally you won't know until you are done perusing the article in the occasion the title is an exact portrayal. </p>

Sunday, May 10, 2020

How To Choose The Best Essay Sample Food - The Dipper

How To Choose The Best Essay Sample Food - The DipperAre you a college student that is looking for food dippers essay samples? Your lack of experience will be the reason behind this. You can become a writer if you use the right essay writing service and practice lots. To get a hold of the best quality food dippers essay samples, you must seek for the best professional writers who have been writing about food since long.It is important to hire the best writers because your essay samples will be for your fellow classmates and even your parents. Most of your relatives will have eaten the food you wrote. This will give you a clear idea as to how you will write the essay. Since your relatives are the ones that will be eating your essay samples, it is of utmost importance that you include food topics in your essay. Hence, your writing samples should be relevant to the topic.So where can you find these food essay samples? You can find these food dippers essay samples in colleges, schools, c olleges/universities and on the internet. There are countless sites that provide essays with food themes and examples for such.Since there are so many websites offering these essay samples, you must choose the best one for your purpose. The best thing about doing so is you can search for sample essays online. So, it is wise that you avoid giving up once you have found a good site for your needs. There are sites that are scam artists and they also give you lots of excuses for not delivering the essay samples.You can save yourself from this inconvenience by going to sites that have different kinds of food themes and sample essays. These sites offer these samples in English and other languages. The key thing is you must be able to speak in the target language to be able to understand and apply these essays.You should know that food essay samples are very difficult to produce. Hence, you should make sure that you take the best writer possible for this task. Though the sites offering ess ay samples do charge extra for delivery, but it is always worth it to get the best one for your needs.Food essay samples are considered to be very important in college. Because they are used in the various entrance exams, you should try to avoid any mistakes or grammatical mistakes in your food samples.It is therefore important that you only use well-written and convincing food dippers essay samples for your assignments. If you are not comfortable with doing this, then it is fine to leave the job to the writers. These writers are mostly a professional lot, which means that they are highly skilled in their respective fields.

What You Dont Know About Topics for Research Paper about Management Could Be Costing to More Than You Think

<h1> What You Don't Know About Topics for Research Paper about Management Could Be Costing to More Than You Think </h1> <p>You need to uncover the perusers that you ace of this issue and not a befuddled amateur who doesn't comprehend what the person in question examining. In the occasion you have issues composing the paper yourself, kindly don't stop for a second to connect with us for more information. To move toward the paper with in any event tension, you should choose a theme that you're feeling good expounding on, and one which you're sure you may get a handle on the fitting grant on. A heavenly paper subject should be fascinating and should fuse a unique thought or position attempt to forestall antique points which will probably exhaust your peruser. </p> <p>Recommendations with respect to ramifications of the result and bearings for future may likewise be given. Blood vessel thrombosis for a result of steroids. Break down the sources of these term s and their individual contrasts. </p> <h2> The Pain of Topics for Research Paper about Management </h2> <p>Today, there's a ton of data about the net and furthermore sources in libraries. In case you're mistaken for a choice of fascinating subjects to look into on the web, it's greatly improved to figure out what intrigues you the most. Sex entertainment Parental channels on the web. </p> <p>Sporting exercises have existed for some millenniums. Subjects identified with wellbeing give an awesome combination of decision. Impact of cricket in the presentation of softball sports. Investigation of cricket techniques and strategies dependent on the player. </p> <p>For you to form an amazing and captivating private company investigate paper, your decision of point must be in your field of premium. Choosing a charming theme is basic for the accomplishment of your examination venture since it will send you the best possible way and help you to remain intrigued and spurred during the entire creative cycle. In case you're despite everything battling, endeavor to utilize our example subjects list for a wellspring of your motivation. Attempt to consider the difficult you're keen on investigating. </p> <h2> The Secret to Topics for Research Paper about Management </h2> <p>Management is viewed as a continually developing science and you need to compose something cool that mirrors the inversion of time. A great deal of organizations advance working environment assorted variety. The organization world is changing constantly. There are numerous people that are seeking after their administration courses in different fields. </p> <h2>The Ultimate Approach to Topics for Research Paper about Management </h2> <p>If you're expounding on social issues, you will for the most part be expounding on the manner in which the theme influences bigger gatherings of individuals, similar to how desti tution influences an entire age. Likewise, you'll additionally should be certain the subject is amazingly smoothed out towards a particular research issue. There are events when you're allocated with the point yet more much of the time, you'll have to make a theme all alone. Concentrate on the current appreciation and foundation data with respect to the subject, expressing the point of the work. </p> <p>Writing an exploration paper despite the fact that may seem testing is a significant segment of typical understudy life. The thoughts must be associated and increase the value of each other. Separate of the subject and key terms can be very useful for the understudies. The subject you select should pull in the peruser's consideration, alongside merit focuses for you to get a high evaluation for your composing aptitudes. </p> <p>Research in this order centers around the most ideal approach to make an incentive for society, alongside esteem for benefits and retu rns, states Sabatier. The executives isn't just about making explicit capacities and designating them to specific gatherings or a person. Human asset the executives is about the people in an association. The executives of advancement and innovation is of explicit significance as of now, states Sabatier. </p> <p>There are a collection of strategies wherein an example research project can help you. So you should downsize to be sure that you will have the option to run an examination inside a restricted timespan. In this manner, it must be alluring and enrapturing. </p> <p>By doing this you're prepared to explain how perusers can show up at the cognizance of an examination subject. Indeed, even on the off chance that you have figured out how to choose an examination subject, you will need to have it affirmed from your foundation by offering them with a Research Proposal. At the point when you pick an examination subject, make certain it is one which you comprehe nd and have a firm handle on. Thus, it's amazingly essential for you to choose the most appropriate research theme. </p> <p>About, concerning settling on an examination paper, about can make sure about an unassuming stayed with picking a theme. Continue perusing to find thoughts for a couple of the most well-known worldwide private company look into subject tips that you can utilize and make your own one of a kind, unmistakable and gainful research paper. Since you can see there are a lot of subjects which can be identified with sports explore papers, which implies you can choose the bearing and make your own paper on a limited theme. On occasion, brilliant research paper subjects are only the simplest ones.</p> <p>You need to compose a minumum of one research paper in a semester for a great deal of the subjects. These days you get an incredible understanding what viewpoints to think about while picking a theme for your exploration paper with the goal that it's an ideal opportunity to find a decent one. </p> <p>Naturally, everything sounds exceptionally clear and fascinating, however on the off chance that you begin taking a shot at your exploration paper, you face heaps of difficulties. An incredible thought is to choose a subject connected to your past experience on the grounds that your perusers will be intrigued how very much educated you're. Of course, there's something for everyone! You have a lot of new buddies. </p> <p>There are a great deal of different methodology for key administration for you to inquire about too. There are different components of the executives for you to research, and there are one of a kind methods to investigate every perspective . The subject of key administration has created numerous private venture arranging strategies, similar to the SWOT Analysis and PEST Analysis. Numerous administration paper themes might be useful for extra research in the territory. </p> <h2>Topics for Research Paper about Management Secrets That No One Else Knows About </h2> <p>The specialists use a few tests to identify the issue. Picking proper strategies for examination is indispensable on the grounds that questionable techniques will bring about untrustworthy results. It is urgent to dissect numerous extraordinary issues identified with wellbeing when examining. Various sorts of tests used for doping control. </p>

Saturday, May 9, 2020

How to Edit a Sample Essay on How to Write About Yourself

<h1>How to Edit a Sample Essay on How to Write About Yourself</h1><p>There are numerous spots online that offer examples of how to expound on yourself. There are several articles that are accessible and they can be downloaded for nothing out of pocket. This permits you to take the example articles and alter them to your own needs. This article sees how to alter an example paper on the most proficient method to expound on yourself.</p><p></p><p>If you choose to utilize these examples, you have to ensure that you use them accurately. A mix-up that you may do is to just erase the article and afterward start without any preparation. The primary thing you ought to do is make a note of what regions of the paper you need to change. You might need to change the titles and the passages. That way you can return and supplant the words you changed with the ones that are as of now there in the example article.</p><p></p><p>Some tes t papers you will discover incorporate some reference to individual data. This data ought to be changed to something like the way that you don't need your life to get everyday or exhausting. This may incorporate how to expound on yourself and how to motivate others with your biographies. You ought to have the option to change this reference to something that fits with the end goal of the essay.</p><p></p><p>A scarcely any example articles will likewise have a ton of sentence structure issues. On the off chance that you wish to change these kinds of expositions, you can include a little English sentence structure programming to your PC and work on composing a paper utilizing it. Along these lines you can get any errors you may have made when altering the sample.</p><p></p><p>It is additionally conceivable to utilize these articles as learning encounters to improve your own composition and get thoughts for other fascinating approaches to expound on yourself. Commonly when an individual finds a specific article intriguing, they begin to expound on themselves. They should expound on their expert vocation or something that isn't significant in their life. This allows them to expound on something that truly premiums them.</p><p></p><p>Sample papers that you can download off the web can be extremely useful devices for figuring out how to expound on yourself. In addition to the fact that you are given a thought on the best way to expound on yourself, however you will likewise locate some incredible expositions that will assist you with understanding the job of life in a cheerful life. All things considered, on the off chance that you need to be fruitful at all that you do, you should see how to expound on yourself.</p><p></p><p>These test papers additionally give a spot to discover thoughts for personal growth of others. Truly every individual is diverse in what they need t o accomplish throughout everyday life. It is conceivable that another person may think they have accomplished all that they need. The equivalent can be said for you. You can glance back at your life and see where you have been or where you are going.</p><p></p><p>When you set aside the effort to look at some example papers on the web, you will have the option to offer plans to yourself that you may have not thought of previously. There are such a large number of things that you can find out about yourself when you glance back at the existence you have lived. With the information that you would now be able to pick up, you can apply this to your life and understand that expounding on yourself is important.</p>

Friday, May 8, 2020

Writing Essay In Third Person

Writing Essay In Third PersonYou can do so much with the writing essay, if you know where to begin and the trick is to start with a third person perspective. Here are some tips for writing essays in the third person.In this article, I will discuss the most effective way to give emphasis to your writing. Before beginning the essay, it is important to take note of the sentences, paragraphs, and paragraphs that follow. The key is to make sure that the style is consistent, the content is direct, and that the prose flows well. This is easy to do if you can write in the third person, which means that your writing will be in the present tense and, thus, look like an objective fact, not an opinion disguised as a fact.Third person's perspectives, also known as first-person perspectives, are excellent for telling a story, or about some event in the past. By following a logical sequence of events, they allow the writer to break up the story into different sections, each more interesting than th e one before it. But there are more uses for third person writing than just breaking up a story.Your second essay will be more effective if you begin with a third person. All the information can be set in a narrative, which makes the writing easier. To take advantage of this approach, start by talking about an incident in which you were involved. Then, in the third person, you can tell your personal perspective on the event.The first paragraph of your third person essay should always include a compelling reason why the reader should trust your opinion. The reason should not just be a personal belief. Rather, it should be based on what you know about the event, and how you understand it.If your first paragraph starts off with a strong reason to trust your opinion, then that's enough. The reason will carry the essay, and, thus, it is important to establish the foundation of your third person viewpoint. For example, in the first paragraph of the third person essay, let's say you believ e that the event was orchestrated.A good way to establish this theme is to write about a person who witnessed the event, or described how the event transpired. You could even go as far as to interview someone who was not directly involved, but who heard about it from someone else. This will help you decide how to talk about the event.Take advantage of your third person perspective, and start with it, by describing the events in the first person, starting with your personal perspective. You can then build upon that first paragraph to begin your third person essay, using that first paragraph as a springboard. Let's say that you were just recently hired to work as a city park ranger, and you are following your gut feeling.

Creating Argumentative Essay Topics For Middle Schoolers

Creating Argumentative Essay Topics For Middle SchoolersIn the middle school, a lot of schools are still creating argumentative essay topics for middle school students. As arguments are a main part of every college thesis or discussion, students are most likely to debate different concepts with one another. In order to convince your fellow students, you need to give them reason to believe in what you are saying. You have to know how to incorporate facts, words and ideas to make your own opinion more understandable.The reason why argumentative essay topics for middle school should be more important for the middle schoolers is because they are very young, and most of them don't have the idea on how to apply facts, words and ideas to make their arguments sound valid. The best thing that you can do to make them take your idea seriously is to make them listen to you, and show your sincerity. For this, you need to first think about how you can gain the interest of your classmates.To make a rgumentative essay topics for middle school interesting for the younger generation, you need to focus on topics that they have interest in. Give them topics that they would talk about, and make them interested in it. You will easily be able to find out the interests of your classmates with ease if you are able to ask them.You need to create argumentative essay topics for middle school, that can easily drive the argumentation among your classmates. You will need to take the initiative to research for some useful information for your discussions, and you need to take the initiative to research topics that will make the topic of your middle school class interesting. Research about the history of mankind, the origin of man, what made us who we are today, how people were influenced by what they heard or what they saw.If you think that you have enough knowledge, then you can go for a topic for middle school that would surely get the attention of your classmates. To do this, you need to de cide what would be an interesting topic for your class, and talk about it to the rest of your classmates. Discuss the topic and then choose the most attractive one.The end result of your creation of argumentative essay topics for middle school should be something that the other students would be interested in and would want to discuss. You need to make sure that you are being constructive to the topics that you discuss. By doing this, you will be able to ensure that the topics you chose are worth discussing and making others interested in.Argumentative essay topics for middle school would be very useful for your class if you are able to create topics that would encourage the argumentation between the class. You need to find out the topics that are being discussed and make them interesting so that they will come up with arguments of their own. By making arguments that are sound, and informative, you will surely make the opinion of your peers strong and powerful.

Wednesday, May 6, 2020

The Myth Of Vampires And Frankenstein s Monster - 2077 Words

Vampires, mummies, werewolves, and Frankenstein’s monster have been a part of literature for seemingly eternity, but these creatures have not laid dormant in the world of literature. The classic monsters are constantly evolving, relying on misconceptions or pop culture’s new ideas to push them along in the way they behave and are perceived. The perception of vampires has evolved from being hellish creatures to the icon of love stories in modern literature. The powers vampires contain has been steadily evolving since Bram Stoker’s Dracula was released. Misconceptions or possibly the desire for saving time has evolved Frankenstein’s monster into being called simply Frankenstein. Mary Shelley’s original description has been morphed throughout literature such as comics and movies. Werewolves, except for the lack of other wereanimals, have remained mainly untouched by the evolution of the classic monsters in literature. This is most likely due to werewol ves not being the central focus in most pieces of literature. The main evolution of mummies has been the transformation from being an embalmed pharaoh that was a typical part of some cultures to a supernatural monster. Classic monsters from literature have changed from where they originated, whether it being their development of morals or supernatural abilities. Vampires, in the past, were without a doubt in league with evil yet with the new literature, it is not not uncommon to see a vampire love story, to find a vampire thatShow MoreRelatedFrankenstein, Dracula and Spiritualism1701 Words   |  7 Pages1. Mary Shelley s Frankenstein tells the story of a man s desire to control life itself. Victor Frankenstein s main goal is his own glory and power. He desires like Prometheus before him to take something that is reserved for the god s and make it of use to men. Victor is unable to control this new found power and it eventually destroys him. Shelley tells this story of knowled ge and science by introducing the romantic temperament of Victor and the gothic themes of the creation of the creatureRead MoreSocietal Dilemmas Of Frankenstein And Frankenstein1541 Words   |  7 Pagesoften not afraid to address societal dilemmas. Frankenstein by Mary Shelley and Dracula by Bram Stoker are two examples of this. Mary Shelly uses Frankenstein’s monster as a metaphorical figure to demonstrate the treatment of the marginalised. This is clarified through the Monster’s declarative â€Å"All men hate the wretched;† referring to the fact that his physical appearance has caused everyone in society to reject him – including his creator, Frankenstein. This could be an allusion to the treatmentRead MoreThe Monsters And Their Origin1412 Words   |  6 PagesMonster Stephen T. Asma has given an analysis of the monsters and their origin. Besides, he gives a definition on the fears of human beings regarding the monsters. The prejudices and fears date back to prehistory and the developments in evolution that have occurred throughout in humanity. The prehistory gives an account of the concerns that people have in today s world. The author uses the term monster to describe myths and physical deformities. Stephen Asma uses the term to describe that thereRead MoreAnalysis Of Mary Shelley s Frankenstein 1028 Words   |  5 PagesFrankenstein thinks that everything is alright now, but Elizabeth has a premonition that the monster will return, and she warns her fiancà © that she fears some harm is going to befall him. At the same time, during the entire village’s celebration, the father of the dead girl carries her lifeless body though the streets for all to see. The shock crowd stops its celebration, stunned and outraged over the death of Maria , and they demand justice from The Burgomaster (mayor) and local police. By nightfallRead MoreFilm Adaptation Of Bram Stoker s Dracula1320 Words   |  6 Pagespenned. In 1987, Bram Stoker wrote the revolutionary tale Dracula that played off the fears of the people of the era. The plot and characters that make the novel great also translate nearly perfectly to cinematic adaptations. Starting in the early 1900’s, directors have done their best to portray the terror that the original novel inspired. Francis Ford Coppola’s Bram Stoker’s Dracula was released in 1992 and follows the book’s storyline very closely. However, to appeal to his generations ideals on relationshipsRead MoreDracula By Bram Stoker s Dracula1134 Words   |  5 PagesVampires as a whole species have changed as time progresses, and so has Bram Stoker’s iconic Count Dracula. Although the Count ranks as, perhaps, the most famous vampire, vampire stories, myths, and legends were in c irculation for over a century before Stoker wrote Dracula. Starting in the 1700’s, vampire stories began appearing in southeastern Europe, exploiting fears of witches and evil spirits. Like many monsters, vampires evolved to reflect societal fears which was taken advantage of by severalRead MoreThe Monsters Inside Me Essay1382 Words   |  6 Pagessuccessful lesson, â€Å"Aaagh! Monsters!† In that class, I asked my students, ages 5 through 8 year olds, to create a monster of their own. We did a little research into the monsters other people had created in books, in other appropriate visual media, and throughout history. I then asked them to tell me specific things about their monsters like their names, where they lived, what they ate, and so on, so that they could gain a better understanding of who or what their monsters were and be able to depictRead MoreMexican Icons and Heores970 Words   |  4 Pagesborn Rodolfo Guzman Huerta in 1917. Huerta would go on to be the most celebrated wrestler in lucha libre. Santo is featured in 54 films, and in these B grade movies, Santo would be called upon to dispatch such supernatural threats as Dracula and Frankenstein. The websites purpose is to illustrate how the films of El Santo were influenced by the growth and stability and after 1950. El Santo and his wrestling assisted rural migrants to urban Mexico City by showing them how to handle modernization andRead MoreHow The Romantic Period Was Characterised By Political And Social Upheavals1318 Words   |  6 PagesThe Romantic period was characterised by political and social upheaval. The era marked England s shift from a largely agricultural society to a modern industrial nation. Moreover, the aristocracy s influence diminished, industry-owning middle classes grew. The Romantic epoch also witnesses revolution and war. First the American Civil War, followed by the French Revolution later. They brought concepts of popular freedom, and of the power of the proletariat. In England, these ideas were well receivedRead MoreEssay on Gothic Fiction2923 Words   |  12 PagesGothic fiction is erotic at the root according to Punter. From your reading of Frankenstein and Dracula how far would you agree with Punters interpretation. Gothic fiction is erotic at the root according to Punter. From your reading of Frankenstein and Dracula how far would you agree with Punters interpretation. In your essay you should consider: - · The authors portrayal of eroticism and sexuality (in all its forms) through characters. - · Relevant social/cultural concerns

Tuesday, May 5, 2020

Business Ethics †the Ethical Consideration of Life and Annuity Sales Essay Sample free essay sample

AbstractionThis paper brings to illume the on-going job of ethical consideration when a accredited agent is selling a life rente to a senior. The job of ethical determination devising. particularly in respect to gross revenues committees made. is non a new 1. A gross revenues person’s greed and desire to run into production or income ends can frequently overrule better judgement and let an adviser to force a client to purchase a merchandise that is wholly unsuitable for them. On the other manus. there are times when the demographic information may propose the merchandise is non suited. but the aim of the client is such that the merchandise is the best tantrum. In this paper. we will analyze both sides of this quandary. uncovering the opposing positions and the Torahs put in topographic point to steer both the adviser and the consumer. IntroductionThe calling of a fiscal professional can be improbably honoring. We will write a custom essay sample on Business Ethics – the Ethical Consideration of Life and Annuity Sales Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Helping friends. household and clients find the best manner to put their life nest eggs to give the maximal return while at the same clip planning for future ends and dreams. is highly hearty. As with anything in life. nevertheless. where there are positives. there will besides be negatives. Part of what makes the function of fiscal adviser challenging. is the facet of commissionable gross revenues and appropriate concern moralss. In many instances. the fiscal professional merely makes money when a merchandise is sold. That can show rather a predicament for the professional that is concerned about doing the best determinations for the client while besides supplying an income for him or herself. One country that has received widespread attending is that of gross revenues of rente merchandises to the senior market. While it is of import that our aging community is guided suitably in the universe of fiscal and life insurance merchandises. the insurance commissioner is doing certain adv isers can’t take advantage of the older coevals. Definitions The senior market is defined as anyone 65 and older. In order to understand the challenge presented in this specific environment. we must foremost specify the elements involved. Harmonizing to Wikipedia. an rente is a contract created when an insured party. normally an person. pays a life insurance company a individual premium that will subsequently be distributed back to the insured party over clip. Annuity contracts traditionally provide a guaranteed distribution of income over clip. until the decease of the individual or individuals named in the contract or until a concluding day of the month. whichever comes foremost ( Wikipedia. Retrieved July 22. 2012 ) . The bulk of rente clients use this vehicle to roll up financess and returns without holding to pay capital additions revenue enhancements. Typically. subsequently on in their lives. they take lump-sum backdowns instead than utilizing the guaranteed-income-for-life characteristic. There are two periods defined for this fiscal t ool: the accretion period ( when payments are paid into the history ) and the annuitization period ( when the insurance company pays out ) . There are IRS limitations sing how money can be withdrawn from an rente. Distributions may be nonexempt and/or punishments may be imposed. Committees on the sale of an rente are non by and large paid by the client. Typically the insurance company will pay committees to the fiscal adviser. In some instances. a committee of up to 12 % of the money invested is paid out to the agent. As a point of mention. a rente that paid with a 9 % committee graduated table. would give a representative a gross revenues committee of $ 9. 000 when selling a $ 100. 000 Deferred Annuity. The purchaser is typically prohibited from touching much of their money for 10 old ages. Annuities with shorter affiliation carry much smaller committees. These committees are funded by the fees charged to the client ( in a variable or fixed indexed rente ) or by the spread in the involvement rate market ( for a fixed rente ) . Annuities besides carry deferred back-end charges that will be applicable if the investor closes his or her contract prior to the agreed-upon clip frame. That clip fram e ranges from 1 twelvemonth to every bit long as 20 old ages. depending on the type of rente and the insurance company that issues it. The back-end charges are what makes these fiscal vehicles a concern to consumers. When come ining the field of fiscal services. an adviser makes a promise to continue a fiducial duty in taking attention of his/her clients. The term fiducial comes from the Latin fiduciarius. intending â€Å" ( keeping ) in trust† ; from fides. intending â€Å"faith† . and fiducia. intending â€Å"trust† and is a legal or ethical relationship of assurance or trust between two or more parties ( Wikipedia. Retrieved July 22. 2012 ) . The outlook is that a fiducial providentially takes attention of money for another individual. In a this type of relationship. one individual holds the place of exposure and puts his/her assurance. good religion. trust and trust in the adviser whose assistance. advice or protection is sought in some affair. In a state of affairs such as this. good scruples requires the fiducial to move at all times for the exclusive benefit and involvement of the 1 who trusts. Agring to this responsibility is holding to the highest criterion of attent ion and extreme trueness to the individual to whom is owed the responsibility. Personal involvements must non be put in front of the client demand. and an adviser must non gain from his/her place as a fiducial. unless the chief consents. The forte of the senior market With the elements defined. the mark audience must be analyzed. When an adviser is aiming the senior market. he must recognize that a senior’s judgement and mental competency may sometimes be reduced and/or impaired. There are marks and symptoms that will be apparent so that the adviser may be cognizant of any restrictions that exist. The ethical move for the adviser is to acknowledge those marks and recognize that the sale could be compromised. particularly if the client is non capable of doing a financially sound determination. The development of ethical issues environing gross revenues to seniors The issue of unethical behaviour environing rente gross revenues to seniors is a longstanding job. It has been recognized by the National Association of Insurance Commissioners every bit good as the Insurance Commissioner of every province in the U. S. Each state’s division has worked diligently over the past few decennaries to come up with ways to battle the job. As a consequence of these on-going issues. preparation and continued instruction demands for accredited agents include several classs in moralss – many specifically related to moralss in selling to seniors. One of the chief grounds the rente merchandise itself may be an issue for seniors is that every rente carries a resignation charge. That charge is anyplace between 0 to 8 % for any backdowns that exceed the annual free backdown privilege ( typically 10 % ) . The surrender charge normally fades off in clip. diminishing each twelvemonth until it is wholly gone. The resignation â€Å"fading period† could last anyplace from 0 to 10 old ages. Clients need to cognize that early or inordinate backdowns could cut down the value of their history every bit good as cut down overall gaining potency. Often. even younger clients are non cognizant of the â€Å"tricks† that are attached to rentes. Ultimately. the duty of clearly explicating the merchandise rests on the merchandising agent. It is something that should be clearly understood by any consumer. The Government’s Involvement in the Problem In 2003. in an effort to modulate the lifting maltreatment realized in the gross revenues of rentes. the National Association of Insurance Commissioners ( NAIC ) adopted the new Senior Protection Annuity Transactions Model Regulation ( SPATMR ) . The intent of this action was to set up guidelines for insurance companies and manufacturers ( agents ) in finding suitableness criterions for fixed and variable rentes sold to senior consumers. Today these guidelines are available for assorted provinces to follow and / or modify when making new suitableness statute law. The cardinal elements of SPATMR include the undermentioned: * The theoretical account ordinance creates criterions and processs for manufacturers to follow when doing rente recommendations to single seniors ( over age 65 ) who are sing the purchase or exchange of a fixed or variable rente. * The theoretical account requires agents to do a sensible attempt to obtain information on a senior’s fiscal. revenue enhancement and investing aims. * The theoretical account establishes that manufacturers must hold sensible evidences for urging an rente on the footing of facts disclosed by the consumer. * The theoretical account establishes processs to oversee and implement conformity by manufacturers through reappraisal of selling paperss. preparation and period audits. ( Annuity 4 Hour Course. Retrieved July 22. 2012. ) The most of import factor in any suitableness attempt and the message of the NAIC is the importance of garnering information to bring out the demand prior to doing any recommendation. At a lower limit. this information should include: * Income: What is the rente prospect’s current income? What are his hereafter needs? What other beginnings of income are present today? Tomorrow? * Liquid Assets: What is the prospect’s ratio of hard currency to difficult assets? Is it equal? Will buying an rente negatively impact his liquidness? * Long Term Care: Does the chance have a program for long term attention in topographic point? Does he understand the demand to hold one before puting elsewhere? What other beginnings could assist care for a long term attention unwellness? * Tax Status: What is the prospect’s revenue enhancement bracket? Will this rente bring him any revenue enhancement advantage? How will his revenue enhancement position alteration in the hereafter? * Investment Aims: Is the prospect looking to for growing of this money or income from it right now? Does he necessitate this money in the following 10 old ages? * Life Insurance: Does the chance have life insurance? Is it equal? * Other Information: Has the chance taken advantage of retirement program options available to him at work? If no. why non? Does he understand how they benefit him? What is the prospect’s tolerance for hazard? What is the prospect’s tolerance for insurance merchandises? Does he desire an FDIC warrant? Each province maps independently when it comes to insurance jurisprudence. As such. each province has implemented different regulations and ordinances sing rente merchandising. Oregon jurisprudence prohibits Sellerss from urging the sale or replacing of rentes unless they make a sensible enquiry about your insurance aims. fiscal state of affairs and demands. age. and other relevant information. In the province of California. several revelations are required to be given to the chance. including. specific disclosures about the effects of fiscal minutess related to Medi-Cal eligibility. In any action or breach of responsibility presented in a tribunal in California. agent beh avior and history is investigated and deemed relevant specifically refering the merchandising of Medicare supplement insurance. long term attention insurance. etc. Additionally. agents are required to inform seniors that the sale of bing assets or rentes in order to purchase new 1s can hold negative revenue enhancement effects and associated punishments. Clients must make up ones mind when to put. what to put and how much. It is an agent’s occupation to steer them. analyse their demands and be an advocator or job convergent thinker to do certain the aim will be met. A client views rente contracts in footings of obtaining future benefits. i. e. . in most instances. your clients can merely trust that the contract they purchase is appropriate. That is why an agent is such a critical participant in work outing client demands. The greater agent due attention exercised. the more valuable the service. When an agent fails to find the nature and extent of the coverage/benefits requested. as in Butcher 5 Truck Insurance Exchange – 2000. it may ensue in a case. â€Å"For a bulk of suitableness cases. the footing of liability is relationship and intent. Legally a personal relationship is created when a prospective insured consults an insurance agent. provides that agent with specific information about his alone fortunes and relies on the agent to obtain appropriate coverage tailored to these fortunes. Courts have recognized that the relationship between a prospective insured and an insurance agent ( like the relationship of lawyer and client ) is that of chief and agent. for the intent of negociating a policy suitable to the client’s needs. Further. an insurance agent owes the prospective insured a responsibility of unwavering trueness similar to that owed by an lawyer to a client. It is the particular fiducial nature of the relationship between a prospective insured and an insurance company that lends the relationship a personal character similar in range to the lawyer-client relationship ( Annuity 4 Hour Course. Retrieved July 22. 2012. ) † With this logical thinking in head. an insurance agent’s alleged Acts of the Apostless of carelessness. holding been consulted for the express intent of run intoing a client’s alone demands. creates a personal civil wrong. In these instances. the tribunals about ever side with the consumer. In 1995. in the instance of Forgione v. State Farm Insurance. the insured indicated that they made it clear to the agent that they expected him to react to their unique. personal insurance demands. The twosome was awarded a $ 600. 000 award. turn outing that what they were sold was evidently non a suited contract. â€Å"In another instance ( Anderson v. Knox – 1961 ) agent Leland Anderson specialized in a peculiar type of insurance merchandise. However. the tribunal discussed the issue that this type of merchandise could be utile for a individual whose income and fiscal status is such that his income revenue enhancement puts him in high brackets and who has the agencies to neutralize the steadily increasing debt out of other beginnings. What brought about the contention in this instance was that Knox was non that sort of adult male. Premiums for the program were over $ 7. 000 per twelvemonth. Knox had an one-year wage of $ 8. 100 per twelvemonth and investing income of $ 1. 600 per twelvemonth. The tribunal said. ‘The plaintiff in error was an experient expert in the field ; the insured a mere layperson who was led to believe that the program would run into certain expressed aims. Surely the relationship was a fiducial one in which the complainants were entitled to believe the ag ent’s stuff statements. ’ ( Annuity 4 Hour Course. Retrieved July 22. 2012. ) The finding of the tribunal was that Knox did rely on Anderson’s expertness and advice. The tribunal indicated it would be unreasonable to anticipate Knox to hold found out for himself that the merchandise he was in was non at all what it was represented to be. Knox was awarded compensatory amendss. model and punitory amendss and amendss for ‘grievous mental torment and great hurt of organic structure and mind’ . In general. when is selling these merchandises to seniors inappropriate? Because of the fees associated with these merchandises and the limitations on cashing them in. an investor who may necessitate the money rapidly is non a good campaigner for this type of merchandise. Additionally. depending on the footings of the rente. anyone who is at hazard of deceasing before the investing matures is besides non a suited campaigner. In that instance. when the holder dies during the rente period. the donees can non deliver the rente without paying a resignation charge. Another ruddy flag for an agent would be marks of mental incapacity in the client. It would be ethically incorrect to sell a merchandise every bit complex as an rente in this instance. Symptoms such as jobs retrieving recent events. trouble in following simple waies. confusion. personality alterations. trouble in happening words or completing ideas. freak out of clip and topographic point. inappropriate frock or hygiene. etc. could wholly be marks of a deeper issue. Recognition of these marks could intend the individual you are covering with does non hold the capacity to do an informed and sensible determination about his fiscal wellbeing. In general. when is selling these merchandises to seniors allow? The most of import factor in any sale of fiscal merchandises is what is known as needs-based merchandising. Determining air-tight logic and decisions. this type of gross revenues attack goes into great item in analysing demands and making recommendations. In the needs-based interview. the client uses his or her ain thoughts and premises. The procedure allows the chance to take part and the agent is able to make fiscal be aftering solutions for demands based upon what he or she considers of import. The concluding analysis must stand for and esteem the client’s sentiments. The ends are those of the chance. non the agent. If the ends are non the ends of the chance. the chance is non likely to travel along with the agent’s recommendations in the terminal. Higher ethical criterions are raised when the attack is demands based. A needs-driven gross revenues system analyzes a client’s demands and find how i nsurance and rentes can outdo meet those demands. It is non meant to bring forth the sale based upon the obvious points of the merchandise or the demand of the sales representative to bring forth. It uncovers a prospect’s general fiscal jobs or lacks so that the chance begins to acknowledge the demand. The job is personalized to elicit involvement in a possible solution ( Annuity 4 Hour Course. Retrieved July 22. 2012 ) . In add-on to inquiries mentioned in the earlier subdivision. the undermentioned indispensable inquiries should be included in a needs-based interview when sing rentes: * Is the client interested in current income or retirement income? How shortly does he necessitate to get down having income? * How much retirement income will the client demand in add-on to what he/she will acquire from Social Security and a pension program? * How much hazard is the client ready to accept today and in the hereafter? Could he/she stand the loss of the full investing? How would an break in income affect him/her? * What are the client’s liquidness demands in the short- . intermediate- and long-run? An rente is non meant to bring forth a short term fiscal addition. * Is the client under age 60. and is it likely that he/she will necessitate to retreat major parts of the rente in the hereafter? Will the 10 per centum punishment offset the benefits of revenue enhancement recess? * Does the client demand full and complete protection of chief? Or. can the client afford to take hazard in hopes of greater grasp utilizing variable contracts? * Is the saving of principal more of import to the client than the effects rising prices may hold against a fixed output? * What are the survivor spouse/family demands? Will the client need auxiliary income for others in add-on to him/her-self? With careful fact-finding. the advisor/agent is able to garner information that reflects the prospect’s desire to supply income to household members in the event of premature decease or disablement. every bit good as to be after for retirement demands and accretion. The analysis takes into consideration involvement rates. rising prices premises and the prospect’s positions about his or her aims and timetables. This attack helps the agent sell the right merchandise and the right sum of insurance for the right grounds. There is another ground an agent should keep this system. In add-on to demands being the best ground for a client to purchase an rente. it is besides the best ground to sell an rente. It gives the agent the credibleness as a sure beginning. Many people can do a sale based on greed. i. e. . large returns on premium dollars paid. A sale based on greed is merely selling a return. or merely selling a constellation of Numberss on a piece of paper. Genuine needs based merchandising for life insurance is another affair. This attack is what makes life insurance agents necessary ; greed merchandising is the thing that destroys reputes and gives agents a bad name. A powerful illustration of this attack is seen in this state of affairs: Cathy and Jim Runion are mean boomers. They have $ 200. 000 term life policy but want you to supply them with a safe investing option for $ 200. 000 they have saved. They like the tax-deferred facet of rentes and they truly like the investing attributes of a variable contract since they have some old ages before they retire. The needs analysis shows they meet suitability criterions. but the agent knows that a loss of this money in any manner could lay waste to their retirement. Thinking on a different degree. the agent besides knows that the protection provided by California State Guaranty Fund that backs any insurance company recommended is limited. In California. the bound on life and rentes is $ 300. 000 per policyholder ; and. at hazard variable parts of contracts are typically excluded. Since they already have $ 200. 000 on life insurance. the agent scales back the recommendation to a $ 100. 000 fixed rente. reding they place the staying $ 100. 000 in a high-yielding bank Cadmium ( Annuity 4 Hour Course. Retrieved July 22. 2012 ) . Using rentes right and ethically With all of the negativeness environing the sale of rentes it is easy to bury that one of the original purposes of the merchandise was so that â€Å"You can’t outlive your income. † For a individual that is retiring and has the financess to buy an rente. it is something to be considered. For the mean American. lucky plenty to hold worked with a company offering a pension. there are three beginnings of lifetime income available – the pension. ( projected ) Social Security benefits and a guaranteed minimal rente backdown. The twosome that is worried about outlasting their income would surely be a campaigner for a variable or fixed rente. Today’s rente is attractive to the wise consumer with characteristics including the ability to set income payments based on demand. payments that rise each twelvemonth to antagonize rising prices. entree to principal and wider picks for beneficiary benefits. The key to an rente. like any investing vehicle. is to non set all of your eggs in one basket. Be certain that you have liquid assets for exigencies or particular wants or demands. The recommendation is to â€Å"annuitize a important portion† of retirement assets from 40 per centum to 80 per centum. One beginning indicates that â€Å"retirees who do non annuitize and alternatively tap a diversified common fund portfolio to run into disbursals are capable to greater hazard. frequently higher disbursals. and returns that are improbable to maintain gait with rente returns. particularly when hazard is taken into history. † ( Obeying Ethical Rules. retrieved July 22. 2012. ) As a merchandise arising from an insurance company. income rentes can vouch higher income based on pooling of hazard – premiums from people who die early subsidize those who live longer. Additionally. while the security of lifetime income is guaranteed with the rente. the rente holder is free to p ut the remainder of his nest eggs more sharply to possibly recognize a greater return while still holding basic demands met. Decision In the competitory economic system of this decennary. advisers and agents likewise must show the most ethical character to the consumer. They can non afford to chat up with questionable concern patterns. With a complete. comprehensive merchandising system. a client is provided with a needs-based analysis and trusty recommendations. Additionally. an effectual demands interview will give the advisor/agent the chance to urge other necessary fiscal merchandises and services. Conformity in this industry is indispensable. but it is non the same thing as being ethical. In fact. one can be legal but ethically incorrect. Having a codification of moralss posted in the office or making the right thing most of the clip is non plenty. Possessing high ethical criterions reflected in being honorable and true to a client. is more of import than being right. Honesty reflects character while being right reflects a degree of ability. Unfortunately. the insurance industry along with many other industrie s. continue to honor ability. Recognition for â€Å"million dollar† selling victors and â€Å"sales achievement† awards are plentiful. There are few. if any. â€Å"Ethics A ; Due Care† awards. Possibly one twenty-four hours we will see that alteration. Mentions â€Å"Annuity 4 Hour Course. † CA Online Insurance CE Affordable Educators. Low-cost Educators. n. d. Web. 22 July 2012. lt ; hypertext transfer protocol: //www. ceclass. com/CE-194 % 20ANNUITY % 204HR. pdf gt ; . Wikipedia. N. p. . n. d. Wikipedia. Web. 22 July 2012. Oviatt. F. C. â€Å"Economic topographic point of insurance and its relation to society† in American Academy of Political and Social Science ; National American Woman Suffrage Association Collection ( Library of Congress ) ( 1905 ) . Annalss of the American Academy of Political and Social Science. Twenty-six. Published by A. L. Hummel for the American Academy of Political and Social Science. pp. 181–191. Retrieved 22 July 2012. â€Å"Consumer Alert: Suitable Annuities for Senior Citizens. † Oregon. gov. Dept of Consumer A ; Bus Svcs Consumer Advocacy. Oct. 2007. Web. 22 July 2012. lt ; hypertext transfer protocol: //www. cbs. province. or. us/ins/publications/consumer/3494. pdf gt ; . Morgenson. Gretchen. â€Å"Who’s Preying on Your Grandparents? † The New York Times May 2005. Web. 22 July 2012. â€Å"Consumer Alert: Annuities and Senior Citizens Senior Citizens Should Be Aware Of Deceptive Gross saless Practices When Buying Annuities. † N ational Association of Insurance Commissioners. National Association of Insurance Commissioners. n. d. Web. 22 July 2012. lt ; hypertext transfer protocol: //www. naic. org/documents/consumer_alert_annuities_senior_citizens. ht