Global essays

Global essays With a population of over 55 million, global warming affects many of the French people. France is in the middle of Globalization, from an economy that featured widespread government ownership to one that relies more on a market system. The earths climate is predicted to change because human activities are altering the chemical composition of the atmosphere through the buildup of greenhouse gases. The greenhouse effect and global warming are issues that are talked about by geologists all the time. The greenhouse effect is a natural process that keeps the earth at temperatures that are livable. The way in which global warming works is that energy from the sun warms the earth when its heat rays are absorbed by greenhouse gasses and become trapped in the atmosphere. Some of the most common greenhouse gasses are water vapor, carbon dioxide, and methane. If there were no greenhouse gasses, very few rays would be absorbed and the earth would be extremely cold. When too many rays are absorbed, the earths atmosphere warms, leading to global warming. Global warming can lead to many problems that affect the environment in which we live, as well as politically and socially. In order to talk about global warming, we must first learn what causes the greenhouse effect. A lot of the rays from the sun are absorbed by water vapor that is naturally in our atmosphere. Carbon dioxide is also a big absorber of the suns heat rays. Humans can cause a lot of carbon dioxide to be released. Every time we burn fossil fuels, we release more carbon dioxide. Emissions from cars also increase the amount of carbon dioxide in the atmosphere. The more carbon dioxide in the atmosphere, the more rays from the sun are absorbed. This will cause the atmosphere and the earths temperature to warm. The warming of the earth will cause the oceans to become warmer. When they heat up, more water is evaporated, causing more carbon dioxide...

Should insurable interests be abolished Essay Example

Should insurable interests be abolished Essay Example Should insurable interests be abolished Essay Should insurable interests be abolished Essay Should insurable involvements be abolished? In this thesis I will ship upon a elaborate rating of the jurisprudence in relation to ‘insurable interests.’ I shall through analysis of legislative act and case-law describe the current regulations refering to this country of jurisprudence, and shall sketch the advantages and disadvantages of such. Through treatment of the altering fortunes giving rise to insurable involvements I shall so measure whether or non, based upon these analyses, we should get rid of insurable involvement from UK Law. The first thing to observe is that historically it has been really hard to place a general regulation to explicate when insurable involvements should use, as there has neer been a general demand for an insured to possess an involvement in the capable affair of an insurance policy. Alternatively specific regulations have been developed for different types of insurance agreements. For illustration, the regulations refering to Life Assurance Policies are set out in the Life Assurance Act 1774, which describes itself as â€Å"An Act for modulating Insurances upon Lives, and for forbiding all such Insurances, except in instances where the Persons sing shall hold an Interest in the Life or Death of the Persons insured, † whereas the regulations refering to Marine Insurance policies are governed by the Marine Insurance Act 1906, a codification of the regulations contained in the earlier statutory instruments ; the Marine Insurance Act 1746 and the Marine Insurance Act 1788. Other policies, including liability and belongings insurance are governed by regulations which have been established through common jurisprudence instead than legislative act, but are similar in nature to the regulations contained within the Marine Insurance Act 1906. I shall discourse the assorted different types of Insurance Policy and the particular regulations which govern the demand of insurable involvements in greater deepness subsequently in this essay, but for now I would merely wish to do the point that the deficiency of general regulations refering to insurable involvement topographic points an interesting new dimension to the treatment subject with which we are faced in this essay ; should insurable involvements be abolished wholly, or are their certain types of insurance policies to which they should go on to use? Before we embark on our analysis of the instance jurisprudence and the legislative act refering to insurable involvements, allow us foremost be clear about the nature of the philosophy. The philosophy of insurable involvements precludes those people who have certain types of involvements in the life, liability or belongings to be insured from lawfully buying insurance policies over those involvements. In basic footings, the philosophy of insurable involvements prevents a individual from taking out insurance policies on life, belongings or liabilities in which that individual has no vested involvement or ownership. The principle for this regulation is about axiomatic ; to let person to take out an insurance policy against, for illustration, the devastation of belongings in which he or she does non hold any ownership would be to efficaciously allow such a individual to utilize the insurance system as a method for chancing, the insurance premiums stand foring the exclusive steak, and the pay-out against the devastation of that belongings as the pay-out. R Merkin, in his article â€Å"Gambling by Insurance – A Study of the Life Assurance Act 1774 [ 1 ] † argues this point persuasively, and points out that such a gambling civilization contravenes the really implicit in aims of the UK insurance system ; it is non a system designed to assist people enrich themselves through bad luck, but instead one which compensates or reimburses for losingss really suffered. Therefore, we may province that one of the cardinal aims of the philosophy of insurable involvements is to continue the insuranc e rule of insurance by forestalling people utilizing insurance as a method for chancing. From this analysis emerges yet another immorality which the philosophy of insurable involvements is obviously trying to forestall ; is person is allowed to see against belongings, life which does non belong to them, so that individual would so hold a vested involvement in the devastation of that belongings. For illustration, if I have taken out insurance against my neighbour’s ?250,000 house, at an one-year premium of ?500, so if the house was destroyed, so I would efficaciously do a net income of ?249,500. Whilst non everybody would really put about to intentionally destruct others belongings, the potency for utmost net income would surely promote some people to prosecute in this pattern. Therefore another chief aim of the philosophy of insurable involvements is to forestall moral jeopardy ; insurance policies should non make inducements for people to destruct the capable affair of the policy. As mentioned antecedently, the philosophy of insurable involvements was established by 18th century legislative act ; the Life Assurance Act 1746 or the Life Assurance Act 1774. These two legislative acts nevertheless failed to prosecute in a definition of what was meant precisely by an ‘insurable interest.’ Debate ensued as to whether an insurable involvement should be limited to strictly legal involvements, or whether a ‘factual expectation’ of an involvement in the belongings would do. The range of this argument can be seen through a comparing of two 18th century instance determinations. The first is the instance of Le Cras v. Hughes 1782 [ 2 ] . The facts of this instance were as follows: A British Captain was appointed Captain of a Spanish vas, which was captured by the British in the war with Spain. Under the Prize Act, the crew of a ship may really, under certain fortunes, be awarded with the rubric of a ship and its goods one time a captured ship returned to England. With this in head, the crew of the ship decided to take out an insurance policy to protect their possible involvement in the ship. On their ocean trip back to England a violent storm destroyed the ship, and as such the Captain and the staying crew tried to claim for the loss of the ship on their insurance policy, but the insurance company refused to pay out on the footing that the legal involvement in the ship had non yet become vested in the Captain as the ship neer managed to return to England in tact. Judge Mansfield, whilst holding with the insurance company that the Captain did non really have a legal anticipation in the vas, still held that the Captain should be able to retrieve. He reasoned that the Captain has acquired what might be described as a ‘factual expectancy’ based upon the fact that from past experience of English maritime usage whenever a gaining control has been made, since the Revolution ( 1688 ) , by sea or land, the Crown has made a grant and there has been no case to the contrary. Judge Mansfield hence held that the Captain of the ship did in fact possess an insurable involvement and was entitled to be reimbursed for the full cost of the ship by the insurance company: An involvement is necessary, but no peculiar sort of involvement is required. Master Holfold s insurance though non a vested involvement, were held insurable. An agent of awards may see his net incomes though they are in eventuality Some writers see this instance as simply an illustration of the jurisprudence intervening and making a philosophy in order to forestall unfair consequences from happening ; the Captain did non take out a policy for the intents of unfair enrichment, but instead to protect his possible involvement in the vas. The opinion of this instance is non in dispute to the insurance rule of insurance, and hence Judge Mansfield could see no ground why the Captains claim should non be allowed. The philosophy of factual outlook may therefore hold been created to let the tribunals to relinquish the rigorous legal regulations where appropriate, i.e. where the consequence through application of the rigorous legal regulations would non be the most merely in the full fortunes of the instance. This instance may hence be seen as an illustration of judicial pragmatism. On the other side of the coin is the instance of Lucena v. Crawford ( 1805 [ 3 ] ) , a instance that attempted to set up a narrow and stiff legal definition of insurable involvement. The facts of this instance are really similar to those that we have merely discussed supra, but in this instance, Lord Eldon decided that he did non desire to advance the philosophy of factual outlook, but instead make a stiff regulation that would advance a greater grade of legal certainty in instances sing the designation of insurable involvements. Lord Eldon insisted that the being of an insurable involvement must depend upon the being of a legal right, and as the Captain did non hold a legal right to the ship in inquiry, he could non be supported by jurisprudence in his claim against the insurance company. His concluding for this determination was as follows ; if the insurance company who had insured the ship were in a place to be able to see a ship when they did non at that minute in clip have any belongings involvement in that vas, so it would similarly be possible for anyone to see the ship and as such all the jobs of the insurance system being used as a method for chancing would once more originate: ..If they have a right so to see, it seems to me that any individual who is directed to take goods into his warehouse may see If moral certainty be a land of insurable involvement, there are 100s, possibly 1000s, who would be entitled to see. First the dock company, so the dock-master, so the warehouse-keeper, so the porter, so every other individual who to a moral certainty would hold anything to make with the belongings, and of class get something by it. Eldon farther supported his statement by manner of a conjectural analogy: Suppose A be possessed of a ship limited to B in instance A dies without issue ; that A has 20 kids, the eldest of whom is 20 old ages of age ; and B is 90 old ages of age. It is a moral certainty that B will neer come into ownership, yet this is a clear involvement. On the other manus, say the instance of the inheritor at jurisprudence of a adult male who has an estate worth 20,000 a twelvemonth, who is 90 old ages of age ; upon his death-bed intestate, and incapable from incurable madness from doing a will, there is no many who will deny that such an inheritor at jurisprudence has a moral certainty of wining to the estate ; yet the jurisprudence will non let that he has any involvement, or any thing more than a mere outlook. In Eldon’s sentiment hence the former would hold an insurable involvement, whereas the latter would non. And so we can get down to see non merely the aims behind the philosophy of insurable involvements, but besides the practical jobs of making a legal trial which will forestall these aims being breached but that will besides, at the same clip allow those who should, in the fortunes of their instance, be awarded wage from their insurance companies, despite their non holding a rigorous legal involvement in the belongings in inquiry. The inquiry which we must now inquire ourselves is this ; are these aims still of import in the twenty-first Century, and if so, are they so of import that the philosophy of insurable involvements must stay in UK jurisprudence? Let us now examine how the philosophy of insurable involvements has developed since the above instances, with peculiar mention to how the regulations differ for each type of insurance policy ; after all, as touched upon earlier in the essay, there is no general regulation that an insurable involvement is required for every type of insurance policy, and hence there is no ground why our decision must be limited to a yes or no reply as to whether this philosophy should be abolished. In relation to life confidence policies, the jurisprudence insists that the insurance company, i.e. the individual taking out the insurance policy, has an insurable involvement in the life of the insured, i.e. the individual whose life is being insured. Straight off we can see a job with using our earlier definitions of insurable involvement to such state of affairss ; a individual can non purely talking have a legal involvement in the life of another. The jurisprudence in this country nevertheless has developed to merely allow people to take out life confidence policies against either their partner, or any individual who is financially dependent upon the individual taking out the insurance policy. The legal authorization for this limited range is contained in subdivision 1 of the 1774 Life Assurance Act, which provides: â€Å"†¦ no insurance shall be made by any individual †¦ on the life or lives of any individual, or on any other event or events whatsoever, wherein the i ndividual or individuals for whose usage, benefit, or on whose history such policy or policies shall be made, shall hold no involvement, or by manner of chancing or wagering: and that every confidence made contrary to the true purpose and significance hereof shall be void and null to all purposes and intents whatsoever.† The inquiry which immediately comes to mind is how the jurisprudence can warrant a differentiation between those twosomes who are married and those twosomes that are un-married but are live togethering in a similar manner? After all we can non doubt the fact that a twosome may be in love with one another and be in close propinquity whether married or non, and as such, the same justification for leting married twosomes to see against each other’s possible decease must use to those twosomes who are populating together. In relation to Marine Insurance, as mentioned earlier, the jurisprudence is governed by the Marine Insurance Act 1906, a codification of the regulations contained in the earlier statutory instruments ; the Marine Insurance Act 1746 and the Marine Insurance Act 1788. The relevant subdivisions refering to the philosophy of insurable involvements are as follows: Section 4 ( 1 ) of the Act provides that: â€Å"Every contract of Marine insurance by manner of gambling or wagering is void.† This subdivision clearly demonstrates that the aims of the philosophy of insurable involvement, as discussed antecedently, were still, in 1906, a great concern to the legislators of the clip. Section 4 ( 2 ) of the Act sets out the state of affairss which will be classed by jurisprudence as ‘gambling or wagering’ : â€Å"A contract of Marine insurance is deemed to be a gambling or beting contract- ( a ) Where the assured has non aninsurable involvementas defined by this Act, and the contract is entered into with nooutlook of geting such an involvement; or ( B ) Where the policy is made â€Å"interest or no involvement, † or â€Å"without farther cogent evidence of involvement than the policy itself, † or â€Å"without benefit of salvage to the insurance company, † or capable to any other similar term: Provided that, where there is no possibility of salvage, a policy may be effected without benefit of salvage to the insurance company. † Within this subdivision we can see an incorporation of both the rigorous legal trial of insurable involvement [ as highlighted in bold above ] along with an recognition that a factual outlook will do as an insurable involvement [ in italics above ] . The existent definition of insurable involvement nevertheless is contained in subdivision 5 of the 1906 Act, which provides that: â€Å" ( 1 ) Subject to the commissariats of this Act, every individual has an insurable involvement who is interested in a marine escapade. ( 2 ) In peculiar a individual is interested in a marine escapade where he stands in any legal or just relation to the escapade or to any insurable belongings at hazard therein, in effect of which he may profit by the safety or due reaching of insurable belongings, or may be prejudiced by its loss, or harm thereto, or by the detainment thereof, or may incur liability in regard thereof.† And so we can see that one of the differences between the philosophy of insurable involvement in relation to life confidence as opposed to marine insurance is the fact that with the former the insurable involvement must be at the clip of taking out the policy [ 4 ] , whereas with the latter an insurable involvement is merely required at the point of loss [ 5 ] . This opposing point of view does non truly do much rational sense, and non merely supports our earlier unfavorable judgment that the philosophy of insurable involvement should use to life confidence policies between single twosomes, but besides raises a concern as to the anomalous nature of the philosophy and the ensuing deficiency of legal certainty. There are farther anomalousnesss ; the regulations of insurable involvements for insurance insurance policies are non governed by either of the above statute law, but instead through common jurisprudence which has come to the place that for such policies an insurable involvement is required but that such an involvement may be direct or indirect and can be proved through demoing that the individual concerned has suffered a loss [ 6 ] . The regulations of insurable involvement for all other types of insurance policy are governed, albeit indirectly, by Section 18 of the Gaming Act which renders unenforceable â€Å"All contracts or understandings, whether by word or in authorship, by manner of gambling or wagering, shall be void and void.† As we can see, the fact that there are different regulations for each type of insurance policy, and the fact that there are disagreements in the application of the philosophy of insurable involvements between each of these different insurance types truly does intend that the jurisprudence in this country is extremely unaccessible, in that the regulations for the application of this philosophy are contained in ancient legislative act and case-law and are non easy to happen, and incoherent, in that there are anomalousnesss such as the one pertaining to the life confidence of un-married twosomes. In portion the anomalousnesss may merely be a consequence of the fact that this philosophy has been developed in a piece-meal manner over a long period of clip, but whatever the grounds the fact is that this is a major unfavorable judgment of the current jurisprudence pertaining to insurable involvements. Waller LJ nevertheless, in the instance of Feasey V Sun Life Assurance Company [ 7 ] , argues that due to the nature of the construct of the philosophy of insured involvements, it impossible to hold the same set of regulations which applies to every type of insurance policy. He said: â€Å"†¦ I would propose that it is hard to specify insurable involvement in words which will use in all state of affairss. The context and the footings of a policy with which the tribunal is concerned will be all important. The words used to specify insurable involvement in, for illustration, a belongings context, should non be slavishly followed in different contexts, and words used in a life insurance context where one identified life is the topic of the insurance may non be wholly apt where the topic is many lives and many events. [ 8 ] † I would reason that whilst I agree that there good may some cardinal and built-in grounds for using the philosophy of insured involvements otherwise dep ending upon which type of loss is the topic of an insurance policy, greater justification is required if such disagreements are allowed to prevail. Ward LJ, in the same instance did non hold with Waller LJ but instead advocated thatâ€Å"for the interest of lucidity and consistence, insurable involvement should bear every bit about as possible the same significance for all classs of insurance.†I agree with Ward’s sentiment. These unfavorable judgments aside, the fact is that in pattern the judiciary tend to favor the determination of an insurable involvement in such instances. The ground for this was expressed compactly by Brett MR in the instance of Stock V Inglis ( 1884 ) [ 9 ] : â€Å"In my sentiment it is the responsibility of a Court ever to tilt in favor of an insurable involvement, if possible, for it seems to me that after investment bankers have received the premium, the expostulation that there was no insurable involvement is frequently, every bit about as possible, a proficient expostulation, and one which has no existent virtue, surely non as between the assured and the insurer.† Given this go oning desire to see that insurance companies meet their fiscal duties to those people from whom they have accepted insurance premiums, and given the legislatives continued committedness to forbid contracts of gaming and wagering, we must inquire ourselves whether or non the philosophy of insurable involvements has any existent topographic point in out 21stCentury Insurance jurisprudence. Besides, the modern demands of uberrima fides [ utmost good religion ] make impulsive revelation of all relevant material facts known to the insured party a legal demand, and based upon this information it is up to the insurance company to make up ones mind whether they wish to see against the hazard in inquiry, and what premium they require. I do non believe that it is just that an insurance company can hold to see person for a hazard at a certain premium, and so when that hazard materialises into a world the insurance company turn about and decline to do payment on the trifle of defic iency of insurable involvements. On this footing I feel that whilst it may non be necessary to get rid of the philosophy of insurable involvements, alteration is surely required to guarantee that it is non used by insurance companies as a proficient land for equivocation of liability. An interesting statement has been put frontward by Clarke in his 2005 article Policies and Perceptions of Insurance Law in the Twenty-first Century [ 10 ] . He argues that the philosophy of insurable involvement does non function its intent in the manner that it purports to make. He argues that people should be allowed to see against what they choose, be it other people or other people’s belongings. He grounds this statement by was of a conjectural illustration: â€Å"If A, for grounds which A knows best, values B s life adequate to pay premiums, why non allow A make so? Why non trust people? Why non swear the constabulary, who will be the first to look at A if B dies all of a sudden, and society at big to see that B is safe from A? † This is a really good point ; after all should belongings be destroyed or a individual be killed the constabulary would be the first to ask as to who would profit from such occurrences and this would in most instances point to the perpetrator. What Clarke does non account for in his statement is the fact that if insuring on other people’s lives became a wide-spread commercial world, it may be really hard for the constabulary to place the individual who performed the condemnable harm or slaying, as the perpetrator may be one of a figure within an insurance mob. Despite this, I do empathise with Clarke’s point of view, and do experience that it would be better to hold a system which was non so randomly restrictive. In decision, I would reason that there surely is a instance for the abolishment of the philosophy of insurable involvements ; the current philosophy and the regulations thereof are really unaccessible, being contained in different and really ancient instance jurisprudence and legislative act, inconsistent [ as between different types of insurance policy ] and in topographic points are unduly restrictive. It can besides be argued that there is no existent demand for the philosophy in 21stCentury insurance jurisprudence, as the contractual demand of uberrima fides coupled with the jurisprudence which prohibit bet oning or beting in such contexts are sufficient to forestall insurance policies being used in such ways without the philosophy of insurable involvements. These are non needfully nevertheless exceptionally strong grounds for get rid ofing this philosophy wholly, but there is no uncertainty that it surely needs reform. The jurisprudence should be clarified, with one regulation which applies to all sorts of insurance policy. Besides, insurance companies should be regulated to a greater grade so that they can non utilize the philosophy as a trifle by which they will seek to avoid paying out on their insurance policies. Bibliography and Mentions Legislative acts: Life Assurance Act 1774 Marine Insurance Act 1906 Marine Insurance Act 1746 Marine Insurance Act 1788 Life Assurance Act 1746 Cases: Le Cras v. Hughes 1782 99 Eng.Rep. 549 ( KB 1782 ) Master Holfold s Lucena v. Crawford ( 1805 ) 127 Eng.Rep. 630 ( 1805 ) 331Dalby 5 India and London Life-Assurance Co ( 1854 ) 15 CB 365 Siu Yin Kwan V Eastern Insurance [ 1994 ] 2 AC 199. Stock V Inglis ( 1884 ) 12 QBD 564 Feasey V Sun Life Assurance Company [ 2002 ] 2 AER ( Comm ) 492 and [ 2003 ] 2 AER ( Comm ) 587 Diaries: R Merkin â€Å"Gambling by Insurance – A Study of the Life Assurance Act 1774† ( 1980 ) 9 Anglo-American Law Review M A Clarke, Policies and Perceptions of Insurance Law in the Twenty-first Century ( 2005 ) P 38. Leimberg and Gibbons, TOLI, COLI, BOLI, and Insurable Interests An Interview With Michel Nelson, Estate Planning Magazine, Vol. 28, No. 1, July 2001, Pg. 333. â€Å"Insurable Interest in Property: A Socio-Economic Re-evaluation of a Legal Concept† B Harnett, JV Thornton Columbia Law Review, 1948 1

Impact of the Common Core Standards

Impact of the Common Core Standards The Common Core Standards will be fully implemented beginning in 2014-2015. So far there are only five states that have chosen not to adopt these standards including Alaska, Minnesota, Nebraska, Texas, Virginia. The impact of the Common Core Standards will loom large as this is perhaps the biggest shift in educational philosophy in the history of the United States. Much of the population will be significantly impacted by the implementation of the Common Core Standards in one form or another. Here, we look into how different groups may be affected by the upcoming Common Core Standards. Administrators In sports, it has been said that the coach gets too much praise for winning and too much criticism for losing. This will likely hold true for superintendents and school principals when it comes to the Common Core Standards. In an era of high stakes testing, the stakes will never be higher than they will be with the Common Core. The responsibility of that school’s success or failure with the Common Core Standards ultimately falls back on its leadership. It is essential that administrators know what they are dealing with when it comes to the Common Core Standards. They need to have a plan for success in place that includes providing rich professional development opportunities for teachers, being logistically prepared in areas such as technology and curriculum, and they must find ways to get the community to embrace the importance of the Common Core. Those administrators who do not prepare for the Common Core Standards could end up losing their job if their students do not perform adequately. Teachers (Core Subjects) Perhaps no group will feel the pressures of the Common Core Standards greater than teachers. Many teachers will have to change their approach altogether in the classroom in order for their students to succeed on the Common Core Standards assessments. Make no mistake that these standards and the assessments that accompany them are intended to be rigorous. Teachers will have to create lessons that include higher level thinking skills and writing components in order to prepare students for the Common Core Standards. This approach is difficult to teach on a daily basis because students, particularly in this generation, are resistant to those two things. There will be more pressure than ever placed on teachers whose students do not perform adequately on the assessments. This could lead to many teachers being fired. The intense pressure and scrutiny that teachers will be under will create stress and teacher burnout which could lead to many good, young teachers leaving the field. There is also a chance that many veteran teachers will choose to retire rather than make the necessary changes. Teachers cannot wait until the 2014-2015 school year to begin to change their approach. They need to phase Common Core components gradually into their lessons. This will not only help them as teachers but will also help their students. Teachers need to attend all the professional development that they can and collaborate with other teachers about the Common Core. Having a firm understanding about what the Common Core Standards are as well as how to teach them are necessary if a teacher is going to be successful. Teachers (Non-Core Subjects) Teachers who specialize in areas such as physical education, music, and art will be affected by the Common Core State Standards. The perception is that these areas are expendable. Many believe that they are extra programs that schools offer as long as funding is available and/or they do not take critical time away from core subject areas. As the pressure mounts to improve test scores from Common Core assessments, many schools could choose to end these programs thus allowing more instructional time or intervention time in the core areas. The Common Core Standards themselves present opportunities for teachers of non-core subjects to integrate aspects of the Common Core standards into their daily lessons. Teachers in these areas may have to adapt to survive. They will have to be creative in including aspects of the Common Core in their daily lessons while remaining true to the academic roots of physical education, art, music, etc. These teachers may find it necessary to reinvent themselves in order to prove their mettle in schools across the country. Specialists Reading specialists and intervention specialists will increasingly become more prominent as schools will need to find ways to close gaps in reading and math that struggling students may have. Research has proven that one-on-one or small group instruction has a greater impact at a quicker pace than whole group instruction. For students who struggle in reading and/or math, a specialist can work miracles in getting them on level. With the Common Core Standards, a fourth-grade student who reads on a second-grade level will have little chance to be successful. With the stakes as high as they will be, schools will be smart to hire more specialists to assist those fringe students who with a little extra assistance can get on level. Students While the Common Core Standards presents an enormous challenge for administrators and teachers, it will be the students who unknowingly benefit the most from them. The Common Core Standards will better prepare students for life after high school. The higher level thinking skills, writing skills, and other skills attached to the Common Core will be beneficial to all students. This does not mean that students will not be resistant to the difficulty and changes associated with the Common Core Standards. Those wanting instant results are not being realistic. Students entering middle school or above in 2014-2015 will have a harder time adjusting to the Common Core than those entering Pre-Kindergarten and Kindergarten. It will probably take a full cycle of students (meaning 12-13 years) before we can realistically see the true impact of the Common Core Standards on students. Students need to understand that school will be more difficult as a result of the Common Core Standards. It will require more time outside of school and a focused approach in school. For older students, this is going to be a difficult transition, but it will still be beneficial. In the long run, a dedication to academics will pay off. Parents The level of parental involvement will need to increase in order for students to be successful with the Common Core Standards. Parents who value education will love the Common Core Standards because their children will be pushed like never before. However, those parents who fail to be involved in their child’s education will likely see their children struggle. It will take a total team effort beginning with the parents for students to be successful. Reading to your child every night from the time they are born are beginning steps to being involved in your child’s education. A disturbing trend in child rearing is that as a child gets older, the level of involvement decreases. This trend needs to be changed. Parents need to be as involved in their child’s education at age 18 as they are at age 5. Parents will need to understand what the Common Core Standards are and how they impact their child’s future. They will need to communicate more effectively with their children’s teachers. They will need to stay on top of their child making sure that homework is completed, providing them with extra work, and stressing the value of education. Parents ultimately have the most impact on their child’s approach to school and no time is this more powerful than it will be in the Common Core Standard era. Politicians For the first time in the history of the United States, states will be able to compare test scores accurately from one state to the other. In our current system, with states having their own unique set of standards and assessments, a student could be proficient in reading in one state and unsatisfactory in another. The Common Core Standards will create competition between states. This competition could have political ramifications. Senators and representatives want to their states to thrive academically. This could help schools in some areas, but it could hurt them in others. The political influence of the Common Core Standards will be a fascinating development to follow as the assessment scores begin to be published in 2015. Higher Education Higher education should be positively affected by the Common Core Standards as students should be better prepared for a college curriculum. Part of the driving force behind the Common Core was that more and more students entering college were requiring remediation particularly in the areas of reading and math. This trend led to a call for increased rigor in public education. As students are taught using the Common Core Standards, this need for remediation should significantly decrease and more students should be college-ready when they leave high school. Higher education will also be directly impacted in the area of teacher preparation. Future teachers need to be adequately prepared with the tools necessary to teach the Common Core Standards. This will fall on the responsibility of teacher colleges. Colleges who do not make changes in how they prepare future teachers are doing a disservice to those teachers and the students whom they will serve. Community Members Community members including merchants, businesses, and tax paying citizens will be affected by the Common Core Standards. Children are our future, and as such everyone should be invested in that future. The ultimate purpose of the Common Core Standards is to prepare students adequately for higher education and to enable them to compete in a global economy. A community fully invested in education will reap rewards. That investment may come through donating time, money, or services, but communities that value and support education will thrive economically.

Business Law E-business paper Essay Example | Topics and Well Written Essays - 750 words

Business Law E-business paper - Essay Example e of your company carries content that can be labeled as defamatory or displays links of other websites that are carrying defamatory material then in that case you could be held and sued for defamation by the aggrieved party. The local reference will be taken while deciding if the material is defamatory or not. To minimize the risk of defamation one should always incorporate disclaimers in their web site stating that the company is not responsible for the actions of third parties. Disclaimers are especially important for those e-companies that have open discussion boards, blogging sites and accept material from third party and publish it on their web site. Although it is not a hundred percent solution as the aggrieved party can still sue if you have not taken sufficient steps to remove the defamatory content from your web site when it came to your knowledge. In addition to that in the terms and conditions part of the web site it should be clearly stated that if anyone indulges in a s ort of conduct that brings disrepute to the company and the resultant damage, then the person whose actions led to that condition will have to indemnify the company. An e-business company while conducting business collects private information about individuals and its patrons. It sometimes contains sensitive information like credit card numbers, debit card numbers, bank a/c numbers and social security numbers etc. This information should not be published and distributed in the public domain and should not be distributed to other companies for commercial gains. The aggrieved party in that case sues the e-business company for damages. The possible solution to this issue is just that one should be extra careful in preserving the personal information of its customers and even if under a certain circumstance it has to disseminate it then it should first seek the consent of the party. The E-Business company will be taxed according the taxation laws of the country where it is registered.

Teach Me a Piece Essay Example | Topics and Well Written Essays - 1000 words

Teach Me a Piece - Essay Example In the later years, artists who were inspired to compose music with influences from Patton referred to him as their founding father. This paper will give a discussion on how the piece â€Å"High water everywhere† was constructed in terms of lyrics, the importance of the piece to me and audience at large and the social situation of the pieces composition. The discussion will also include the appropriate readings of the piece, and conclude with the important issues from the reading. The piece â€Å"High water everywhere†, has been constructed in two parts, the first part of the piece has seven verses, while the second part has six verses. The lyric is a lamentation of the flood calamity that had affected the whole of Mississippi. The lyrics continue on to address the aftermath of the flood, and what people ought to do to save one another from more harm. Patton, talks of how he wants to move to various places around the state, but those places too, had been affected by the flood that hit Mississippi. The melody in the song is smooth, since the piece itself had a theme of consoling the individuals faced by the calamity. The lyrics make the listeners of the piece emotional as it features a real story about peoples suffering. Patton sang solo while playing a guitar (Springer 60). The piece is important to me due to a number of reasons. I respect Patton from the start because he pioneered the development of a new genre of music better known as delta blues. Pattons creativity aided in the development of a novel genre of music, which had never been witnessed before. The piece is also important since it has embedded history in a form of melody. The piece managed to ease the pain experienced by victims of the Mississippi floods. The piece is one of the songs in the 1920s that took to heart a social situation. Most artists, during the 1920s, composed songs whose themes addressed issues of love and the general art of seduction. I am intrigued with Patton because

Quantitative Research (Cluster and Regression Analysis) Essay

Quantitative Research (Cluster and Regression Analysis) - Essay Example In most of the marketing data sets like the one taken now for analysis none of these two conditions hold. Data were collected from the database provided by the chain store, the loyalty program of which were researched upon. In any supermarket store loyalty, the location of the store plays a major role as a determinant for the loyalty of the customer (Messinger & Narasimhan, 1997; Engel et al., 1995). In this study the location of the three stores chosen would definitely have affected the purchasing behavior of the customers. Hence the study becomes weak in its identification of the data source. Another weakness of the data has been observed in the varying proportion of the different categories of buying which will have an influence on the application of the cluster analysis technique. The study has not identified the total number of customers of the three stores and hence it would be difficult to comment on the randomness of the sample selected. A comparison of the total number of customers and the number constituting the sample size would have thrown some light on the comparability of the loyal customers between the customers who shopped generally during the period under study and the number of customers who opted to use the loyalty program. Basis for Collection of Information - Clustering Variables The collection of information and clustering considering the percentage of total share of wallet within product categories instead of taking into account the total purchases would have been a much better presentation of data under the research method of clustering analysis. The variables selected are far too general to form an opinion on the customer loyalty. The clustering lacks seriously because of the massiveness of data considered under the general clustering variables. For sure these clustering variables would have been subjected to behavioral benchmarking. It would be interesting to recall the behavioral factors like shopping frequency, tolerance of price increase etc. (Lacey, 2003) Validation of the Clusters The study has used the numerical taxonomy process to group the members into segments (Bunn, 1993; McKelvey, 1975; Punj and Stewart, 1983) However no clarity appears to be in sight in determining the range of potential market structures. Initially the number of groups ranged from two to eleven. Although the study has used the appropriate testing and analysis methods like scree testing, discriminant analysis and regression analysis to arrive at a particular number of groups as cluster groups, there is the lack of a scientific variation among the different groups evolved for study. There are possibilities that a slight change in the scaling would have vitiated the results especially in the middle range groups. This may be either due to problems of scaling as observed by Long (1997) or due to large volume of data analysed. According to Long (1997) "Scaling is a common cause of problems when numerical or interdependence methods are utilized, with the ratio between the largest standard deviation and the smallest standard deviation considered heuristically predictive of the likelihood and size of

Personal Statement for Applying University of California

For Applying University of California - Personal Statement Example I consider venturing into any activity that builds up my indispensable qualities as a business economist. The activities and qualities that are illustrated by this document manifest the degree of pursuance of my career. I developed an exceptionally strong interest in Business Economics which I made a decision to major in during my further education. Born in a middle class family where my parents gathered a lot of effort to raise me up, I quickly inferred the need for finance from this experience. As it is said, necessity is the mother of invention, and so I got interested in economics. My father’s insufficient knowledge and skills in financial control were my earliest cues to pursue economics to professional level. He ran a small business for selling fashion clothes, food factory – selling deep-fried flour sticks and grilled potatoes. His investment performed poorly in the stock markets during the financial crisis (downturn). Then his investment failed totally not long after. Key knowledge learnt here was about microeconomics and macroeconomics. I learnt how the limited knowledge on these fields impacted negatively my father’s investments. ... I also worked as an Exhibition promoter at Adecco Company where I learnt how culture affects the buying patterns. I developed strong communications skills during my work as an exhibition promoter. Before I joined the Adecco Company, I had gone for an internship at China Resource Vanguard Co. Ltd where I carried out database building and management while also doing research for the market. Prior to Adecco Company, I participated in several volunteer works while at Anza College; I volunteer for International Student Volunteer (ISV) where I helped and counseled senior students. I learnt, by dealing with the students, the skills of interacting with people both of my age and my seniors. I volunteered for Red Cross where I helped in planting of trees in the green society project and in packing food and other materials for the needs. As a volunteer in running for a Concession Stand in Flea in Flea Market at De Ana College, I learnt the skills of being a leader, organizing and managing teamw ork. At St. Joan of Arc Secondary School, I volunteered to teach the handicap to do easy jobs. I also participated in selling flats for volunteer organizations to raise funds. At St. Joan of Arc Secondary School, I volunteered to teach children in the underdeveloped country to learn Basic English and Chinese. In addition, I counseled senior citizens about finance, housing and daily life. I have participated in several student organizations and activities. First, at De Anza College, I took part in the President of Japanese Cultural Club (JCC) with lots of interest. I learnt about Japanese culture, I was a member of track and field varsity for sports activities; a member of cross cultural partners (CCP)