Critique a Research Article Paper Example | Topics and Well Written Essays - 1250 words

Study an Article - Research Paper Example Be that as it may, late examinations introduced that practically half 72% of hereditary components are liable for rehashed co-events of such issue to a similar patient or to the specific family tree. Consequently, the examination issue that has been tended to in this article is whether (cross)â€assortative mating or (cross)â€parent of root impacts of ASD and ADHD in guardians have any relationship with the co-event of either ASD or ASD with ADHD among their youngsters. At first, the article was planned for finding whether ASD and ADHD share comparable basic and practical mind variations from the norm which would likewise demonstrate the co-events of such issue among guardians and kids having a place with one family tree. So as to acquire this specific point, the creators utilized a progression of writing considers a meeting procedure. In this way, the got end expressed that the two issue share unimportantly comparative basic bases and utilitarian cerebrum variations from the no rm (Steijn, Richards, Oerlemans, Ruiter, Aken, Franke, Buitelaar and Rommelse, 2012). Assessment of the Research Methods Used Does the creator give a writing audit? One of the fundamental reasons or inspirations to utilize writing audit in an exploration procedure is the goal to confirm or legitimize the concerned issue regarding earlier investigations and as of now assessed and justified results (Cronin, Ryan and Coughlan, 2008). Be that as it may, the point of the article was to distinguish and fathom another element of the concerned examination wonder, for example the conceivable outcomes and the likely explanations of co-events of ASD and ASD with ADHD among guardians and kids in a similar family tree. Subsequently, a more noteworthy accentuation is given towards essential sources through meeting instead of on writing audits in this article. All things considered, the creators utilize the auxiliary examination in the starting part to imply the writing hole and the extent of the exploration. Is the Research Current and Relevant to Today Existing Health Issues? An enormous number of medicines are attempted as of now with youngsters experiencing chemical imbalance. Late investigations have portrayed that very nearly 1 out of each 88 youngsters is determined to have an ASD, among which young men have been inspected as multiple times progressively helpless against young ladies. Nonetheless, researchers have been not able to give any substantial clarification to the expansion in the conclusion (Vanderbilt Kennedy Center, 2012). In addition, it is likewise distinguished that side effects of ADHD additionally make critical issues for the greater part of the considerable number of youngsters with chemical imbalance or ASD disorder. Tragically, both the disarranges, ASD and ADHD are under perceived and under rewarded by specialists in larger part of clinical cases. Thus, there is a more prominent interest and requirement for investigating on such urgent subject so a s to increase noteworthy bits of knowledge about these clutters (Autism Speaks Inc, 2011). Along these lines, it very well may be expressed that examination on such basic subject in the current setting is worth to be attempted for guaranteeing upgraded general wellbeing. Depict the exploration type used? †Experimental, non-trial, semi trial, and so on. The creators have applied trial research type for leading the exploration concentrate so as to set up the expected circumstances and logical results connection between the

Mcarthur Vitamin D Milk Essay

A. 1. McArthur Farm Grove is situated in the Port Saint Lucie, South Florida where the atmosphere is tropical with ordinary precipitation, this causes the standard soil piece comprising of rock, sand and mud. Shapeflies landscape has been made in South Florida, helping cultivating circumstances. 2. McArthur ranches comprise of 8,500 cows, claimed by a huge corporate homestead with a work power of ordinary homestead representatives. 3. McArthur bovines are taken care of waste milk, that contains little mastitis. For this situation all microscopic organisms should be executed so the bovines will expend great milk. B. 1. McArthur Milk was first delivered in 1929 by Neville McArthur who made his own dairy with the produce of his own 20 cows. After some time, from Vero Beach to the Florida Keys, Neville McArthur picked up the trust and devotion of numerous families. 2. McArthur Milk is essential to our region’s economy , being the main brand of journal items in South Florida. Despite the fact that McArthur milk assumes a fundamental job in our economy, it is 3.Market for McArthur isn't just in the United States yet the Caribbean Islands and Central America. McArthur brand milk supplies to many significant business, for example, Abaco Market, Publix, and Rams Supercenter just to give some examples. C. 1. Big hauler trucks are stacked with McArthur Milk to move the milk while keeping it cool. Temperatures of the milk can not ascend past 44 degrees F when checked or, in all likelihood the whole heap of which the milk is in will be destroyed. Trucks which transept the milk additionally must be cleaned at regular intervals. A quality of sanitizing the milk is utilization of the Calf Milk Pasteurizer, a gadget which carries the milk to a temperature of 162 degrees F at that point cools it. 2. The biggest market for McArthur Milk is in South Florida. D. 1. The sort of pictures communicated from McAuthor milk are ones that is ideal for everybody. For instance an Advertisement for McArthur milk delivered one year back by Grant Baird centers around youngsters who go about as though they are adults and regardless of what their family size is the McAuthor milk is great. The language communicated is PG, so everybody can relate with this rules. 2. The qualities of the focused on advertise are families just as single people, both youthful and old. Kids are convinced by the flavors promoted while grown-ups and senior residents are focused with the family notice communicated. 3. A component of the pressing that broods a feeling of the market for the item is the Vitamin D name put on the bundling of the sleeve name. This gets buyers for the advantages of sustenance in the milk.

Design Processes and Methods Reflection Paper

Question: Examine about theDesign Processes and Methods Reflection Paper. Answer: Presentation The information on pharmaceuticals and their applications in significance to planning forms pushed my craving for seeing how they improve wellbeing of people and the network. I have had adoration for structuring procedures and techniques the same and the way with which they are material in the improvement of everyday exercises. With this impact, I have gone to workshops on the ease of use of these planning techniques and methods, making the substance in the paper not unfamiliar to me by any means. Be that as it may, I needed to revive my insight on planning strategies, and not exclusively did the workshop assume the job of a boost, however I additionally learned new procedures. The new thoughts I picked up throughout these workshops on structuring strategies and their materialness in drug store revived my longing to see more plan techniques. I have been functioning as a drug specialist for as far back as nine years and been giving medication to wiped out individuals consistently, and have noticed the adjustments in client relations every single day. Wellbeing framework is an association of establishment, assets and individuals which convey clinical consideration so as to meet the necessities of the populace focused on. Subsequently, structure procedures and strategies are the inspiring variables that encourage the accomplishment of the ideal conveyance of clinical consideration to patients. The essential ideas of plan strategies specify the way where they serve in the improvement of ailments of an individual, and the populace. Especially in Saudi Arabia, the medicinal services frameworks are of low quality and sub normalized, and their reasonableness is hard to the conventional residents (Hall, Tokars, Badreddine, Saad, Furukawa, Al Masri Trivedi, 2014). Persistent focused clinical home (PCMH) offers care planned for changing conveyance of essential social insurance to young people, kids and grown-ups (Creswell, 2013). It looks for the improvement in viability, effectiveness and nature of care conveyed while taking most extreme contemplations on the inclinations and requirements of patients. I comprehended that the reception of ideas of PCMH benefits my practices in the field, to my patients and the country as some time in the arrangements of applicable human services. The acts of PCMH incorporate practices drove by doctors which permits patients get to an individual master, full procedure of direction that gives exhaustive consideration and access to the offices. Extra ideas incorporate composed and coordinated consideration which expresses the means to guarantee patients get administrations, and an emphasis laid on security and quality. Configuration look into strategies encourage the formation of new frameworks for conveyance that assists with accomplishing the previously mentioned points of these methods and depends on quality research (Taylor, Bogdan DeVault, 2015). The examination is led through the investigation of littler sizes of focused examples and inquiries on how and why are explained on effectively. Subsequently, it upgrades better comprehension of the social, tasteful and enthusiastic setting of items henceforth helping me with proper procedures on surveying the difficulties in my work settings. I comprehended that this idea causes me improving my work to more noteworthy statures as it tailors medicinal services administrations to the necessities of my customers and the network I serve. The consequences of the approach I led depended on social contrasts, uniqueness in pay, instruction levels, protection inclusions holes, and boundaries to getting to medicinal services administrations (Almalki, FitzGerald Clark, 2012). These helped me to conquer the steady uneasiness by patients and the network on my pharmaceuticals as they gave a superior comprehension of the plan forms better. Also, these outcomes, as expressed by my facilitator, are irreplaceable for the production of configuration objects implied for improved techniques in the conveyance of medicinal services administrations. My examination knowledge was sorted into three significant gatherings, network, people and people and network convergence, and they started from the assessments of respondents. One of the respondents met said that he wished he had additional time and cash for his treatment and cream which are costly, however his youngsters were his main goal throughout everyday life. Of late, I have been encountering difficulties in executing the information on structuring strategies in my drug store business so as to improve my effectiveness. Intrinsically, the comprehension of structuring procedures and strategies would take my work to more prominent levels and my goal for going to this workshop was to improve better understanding. I accomplished this through the numerous exercises I was engaged with, bunch preparing and showings from my gathering facilitator on better pharmaceutical practices and giving of clients. Along these lines, the experience I picked up from this workshop is appropriate to my workplace. It is my firm conviction that I will improve as an individual and apply the information and aptitudes learned in handling day by day leaps. I am anticipating executing PCMH ideas and configuration look into techniques to my work in order to improve the nature of administrations I offer. These would incorporate associations of facilities drove by drug specialists and plan the executives pf reusing meds as a methods for forestalling ecological contamination. Furthermore it will forestall the utilization of arranged plastics of medication that are equipped for packaging unfriendly impacts to an individual prompting illnesses, for example, disease. These new thoughts will help me in providing food for my patients with more exactness as I will have information on the normal guidelines of restorative consideration should be apportioned. I will be in a superior situation to handle difficulties, fervors, and instruments of battling every single issue that introduces itself productively. I have built up a superior understanding and specialized skill on the activities of ideas of structures and I feel enough arranged to encourage the execution of these new plans to my workings.my acknowledgment on the materialness of structure strategies to improve workplaces has improved and I am energized in carrying on these ideas to my center and workstation. My desires were far much surpassed by this workshop and I am increasingly educated, readied and sure, and more than energized in encouraging quality structure programs for my patients. References Almalki, M. J., FitzGerald, G., Clark, M. (2012). The connection between nature of work life and turnover expectation of essential social insurance nurture in Saudi Arabia.BMC wellbeing administrations research,12(1), 1. Creswell, J. W. (2013).Research structure: Qualitative, quantitative, and blended strategies draws near. Sage distributions. Lobby, A. J., Tokars, J. I., Badreddine, S. A., Saad, Z. B., Furukawa, E., Al Masri, M., ... Trivedi, S. U. (2014). Human services laborer contact with MERS understanding, Saudi Arabia.Emerging irresistible diseases,20(12), 2148-2152. Kutzin, J. (2013). Wellbeing financing for all inclusive inclusion and wellbeing framework execution: ideas and suggestions for policy.Bulletin of the World Health Organization,91(8), 602-611. Rennke, S., Nguyen, O. K., Shoeb, M. H., Magan, Y., Wachter, R. M., Ranji, S. R. (2013). Emergency clinic started transitional consideration intercessions as a patient wellbeing methodology: a deliberate review.Annals of interior medicine,158(5_Part_2), 433-440. Taylor, S. J., Bogdan, R., DeVault, M. (2015).Introduction to subjective research strategies: A manual and asset. John Wiley Sons.

The Microfinance Profile Growth In India Finance Essay - Free Essay Example

Microfinance has emerged as an important sector in many countries for providing financial services such as savings, credit, insurance and remittance services to the poor. Microfinance has become a global phenomenon. Governments, central banks, donors, practitioners, and other development agencies promoting microfinance are increasingly involved in the developing suitable policy initiative for meeting local needs. In India, a range of institutions in the public sector as well as the primary sector, offers microfinance services. These can be broadly categorized into two categories namely, formal institutions. The formal category comprises apex development financial institutions, commercial banks, regional rural banks, and cooperative banks that provide microfinance services in addition to their general banking activities and are referred as to as microfinance service providers. On the other hand, semi-formal institutions that undertake microfinance services as their main activity are generally referred to as microfinance institutions (MFI). While both private and public ownership are found in the case of formal financial institutions offering microfinance services, the MFI are mainly in the private sector. Microfinance service providers Microfinance service providers include apex institutions like National Bank for Agriculture and Rural Development (NABARD), Small Industries Development Bank of India (SIDBI), and Rashtriya Mahila Kosh (RMK). At the retail level, commercial banks, regional rural banks (RRBs) and cooperative banks provide microfinance services. Today, there are about , over 60000 retail credit outlets of the formal banking sector in the rural areas comprising 12000 branches of district level cooperative banks, over 14000 branches of the regional rural banks (RRBs) and over 30000 rural and semi-urban branches of commercial banks besides over 90000 cooperative credit societies at the village level. On an average, physical reaching out to the far -flung areas of the country to provide savings, credit and other banking services to rural society in general, is un-paralled achievement of the Indian banking system. However, discussion on microfinance through formal banking institutions are excluded attempt made to deal with various aspects relating to emergence of the private microfinance industry in the context of prevailing legal and regulatory environment for private sector rural and microfinance operators. Emergence of Private Microfinance Industry The microfinance initiative in the private sector can be traced to the initiative undertaken by Ela Bhatt for providing banking services to the poor women employed in the unorganized sector in Ahmedabad, Gujarat. Shri Mahila SEWA (Self Employed Womens Association) Sahakari Bank was set up in 1974 by registering it as an urban cooperative bank. Since then, the bank has been providing banking services to poor self-employed women working as hawkers, vendors, domestic servants, and so on. In the midst of the apparent inadequacies of the formal financial system to cater to the financial needs of the rural poor, NABARD sponsored an action research project in 1987 through an NGO called MYRADA. For this purpose a grant of Rs 1 million was provided to MYRADA for an RD programme relates to credit groups. Encouraged by the results of the field level experiment in group- based approach for lending to the poor, NABARD launched a pilot project in 1991-92 In partnership with non-governmenta l organization for promotion and grooming self help groups of homogeneous members and keeping savings with existing banks and within the existing legal framework. MFI AND LEGAL FORMS Legal form of MFI in India Types of MFI Estimated Number* Legal Acts under which Registered Not for Profit MFI a.) NGO MFI 400 to 500 Societies Registration Act, 1860 or similar Provincial Acts Indian Trust Act, 1882 b.) Non-profit Companies 10 Section 25 of the Companies Act, 1956 Mutual Benefit MFI Mutually Aided Cooperative Societies (MACS) and similarly set up institutions 318 Mutually Aided Cooperative Societies Act enacted by State Government For Profit MFI Non-Banking Financial Companies (NBFCs) 6 Indian Companies Act, 1956 Reserve Bank of India Act, 1934 NGO MFI: There are a large number of NGOs that have undertaken the task of financial intermediation. Majority of these NGOs are registered as Trust or Society. Many NGOs have also helped SHGs to organize themselves into federations and these federations are registered as Trusts or Societies. Many of these federations are performing non-financial and financial functions like social and capacity building activities, facilitate training of SHGs, undertake internal audit, promote new groups, and some of these federations are engaged in financial intermediation. The NGO MFI vary significantly in there size, philosophy and approach. Therefore these NGOs are structurally not the right type of institutions for undertaking financial intermediation activities, as the byelaws of these institutions are generally restrictive in allowing any commercial operations. These organiza tions by there charter are nonprofit organizations and as a result face several problems in borrowing funds from higher financial institutions. The NGO MFI, which are large in number, are still outside the purview of any financial regulation. Non-Profit Companies as MFI: (Non-Profit Section 25 NBFC-MFI) Many NGOs felt that combining financial intermediation with there core competency activity of social intermediation is not the right path. It was felt that a financial institution including a company set up for this purpose better does banking function. Further, if MFI are to demonstrate that banking with the poor is indeed profitable and sustainable, it has to function as a distinct institution so that cross subsidization can be avoided. On account of these factors, NGO MFI are of late setting up a separate Non-Profit Companies for there micro finance operations. MFI is prohibited form paying dividend to its member. Mutual Benefit MFI: Several State Governments therefore enact ed the Mutually Aided Co-operative Societies (MACS) Act for enabling promotion of self-reliant and vibrant co-operative Societies based on thrift and self-help. MACS enjoy the advantages of operational freedom and virtually no interference from government because of the provision in the Act that societies under the Act cannot accept share capital or loan from the State Government. Many of the SHG federations, promoted by NGOs and development agencies of the State Government, have been registered as MACS. Reserve Bank of India, even though they may be providing financial service to its members, does not regulate MACS. For Profit MFI: Non Banking Financial Companies (NBFC) are companies registered under Companies Act, 1956 and regulated by Reserve Bank of India. Earlier, NBFCs were not regulated by RBI but in 1997 it was made obligatory for NBFCs to apply to RBI for a certificate of registration and for this certificate NBFCs were to have minimum Net Owned Funds of Rs 25 lakhs and this amount has been gradually increased. RBI introduced a new regulatory framework for those NBFCs who want to accept public deposits. All the NBFCs accepting public deposits are subjected to capital adequacy requirements and prudential norms. There are only a few MFI in the country that are registered as NBFCs CAPITAL REQUIREMENTS NGO-MFI, non-profit section 25 company mFI, and cooperative MFI are regulates by specific Act under which they are registered and not by the Reserve Bank of India. These are therefore not subjected to minimal capital requirements or prudential norms. These MFI desiring to become NBFCs are required to have a minimum entry capital requirement of Rs 2 Crore. As regards prudential norms, NBFCs are required to achieve capital adequacy of 12 per cent and maintain liquid assets of 15 per cent on public deposits. FOREIGN INVESTMENT Foreign investment by way if equity is permitted in NBFC-MFI subjected to a minimum investment of US$ 500,000. INTEREST RATES Interest rates are deregulated not only for private MFI but also for the formal banking sector. In the context of softening of the interest rate s in the formal banking sector, the comparatively higher interest rate (12 to 26 per cent per annum) charged by the MFI has become a contentious issue. The high interest rate collected by MFI from their poor clients is being perceived as exploitative. It is argued that raising interest rates too high could undermine the social and economic impact on poor clients. As most MFI have lower business volumes their transactions costs are far higher than those of formal banking channels, the high-cot structure of MFI could affect their sustainability in the long run. COLLATERAL REQUIREMENTS All legal forms of MFI can waive physical collateral requirements from their clients. The credit guideline of the RBI allow even banks to wave any type of collateral and margin requirement for loans up to Rs 50000. Current status 2009-2010 The Indian microfinance sector presents a strong growth story. Its growth performance was impressively sustained through the liquidity crunch and continued at an increased rate in the second half of 2009. As of March 2009, the MFI in India reported a client base of 22.6 million with an outstanding portfolio of more than $2 billion. Over the past five years, the sector has delivered a CAGR of 86% in the number of borrowers and 96% in portfolio outstanding. In the 12 months from March 2008 to March 2009, the microfinance industry experienced a 59% growth in its client base from 14.2 million to 22.6 million and 52% growth in its portfolio outstanding which increased from $1.5 billion to $2.3 billion.8 this reflects a 14% increase in the absolute growth in portfolio outstanding and 33% increase in the absolute growth in the number of borrowers from 2008 to 2009. Table 1.1 Past trend of loan to SHG. Year Ending March 31st 2004 2005 2006 2007 2008 2009 Outstanding Portfolio($ million) $80 $252 $496 $824 $1,535 $2,346 Growth Rate 215.00% 96.80% 66.10% 86.30% 52.80% Borrowers (million) 1 2.3 4.9 7.9 14.2 22.6 Growth Rate 130.00% 113.00% 61.20% 79.80% 59.20% Source: Microfinance India State of the Sector Report 2009 National Bank for Agriculture and Rural Development (NABARD) NABARD is the apex financial institution for agriculture and rural development. We examine the role of NABARD in microfinance later. But the linkage between banks and NABARD is worth a discussion. NABARD is expected to re-finance the rural portfolio of the banks and cooperatives. With the falling interest rates, banks do not find it attractive to borrow from NABARD. The other role that NABARD performs is to manage the Rural Infrastructure Development Fund (RIDF). In case the banks are unable to achieve the priority sector lending targets for agriculture, the banks are expected to deposit the shortfall with NABARD under the RIDF. This fund is used by NABARD to fund rural infrastructure projects. While the banks falling short of there targets have been depositing the amounts with NABARD, NABARD has not deployed these funds effectively. NABARD has disbursed only around Rs.13,000 crores out of the total corpus Rs. 23,000 crores available under various phases of RIDF. Therefore the amou nt that should have rightfully reached the rural economy has not reached them, either directly or indirectly. Policy Support Given the governments pledge to economic reforms with a human face, it is not surprising that the current finance minister is generally considered to be supportive of microfinance. The states commitment to combating poverty is hardly a new phenomenon. Over the last forty years, the Reserve Bank of India (RBI) has encouraged a significant expansion of bank branches in rural areas in order to extend credit services to disadvantaged groups, including small and marginal farmers, rural artisans, and other small borrowers. RBI has also required commercial banks to direct 40 percent of there lending to poorer members of society and to priority sectors such as agriculture. The governments 1982 Integrated Rural Development Program (IRDP) was one of the largest poverty alleviation programs to include a microfinance component. Today, national development banks play a crucial role in the growth of microfinance. Despite general support for microfinance, there appears to be a tension between promotion of the sector and client protection. RBI has thus forbidden MFI from taking public savings that would reduce there cost of capital. A similar tension exists at the state level as well, though some states are more active in microfinance than others. Andhra Pradeshs (AP) Mutually Aided Cooperative Societies Act, which is being replicated in other parts of the country, greatly simplifies the formation and supervision of groups that can access microfinance services on behalf of there members. APs populist mandate, however, sometimes serves to undermine credit, as is exemplified by the decision that farmers need not repay the principle on a loan for the first six months, unless they are borrowing from a bank. MARKET TRENDS As the Indian microfinance sector matures, c expects the year-on-year growth rate to decline to still high, but more sustainable levels. Over the next four years, Lok Capital projects the number of borrowers to grow at 34%, which is 60% less than the historical 5-year CAGR of 86% and the portfolio outstanding to grow at 40%, which is 58% less than the historical 5-year CAGR of 96%. Even with these cautious assumptions, Lok Capital expects MFI borrowers to increase from 22.6 million to 64 million and portfolio outstanding to increase from $2 billion to $8 billion by 2012. With maturity, MFIs will have to begin reassessing and re-engineering their growth strategies in a couple of years. They will have to take into account market opportunities and risks and adjust their geographical exposure, client base and product offering to remain competitive. Hints of market conditions that MFIs will have to navigate in the coming years are present even today, and MFIs are beginning to recognize these factors as they continue to grow. Below we explore the changing market dynamics in terms geographical spread of microfinance, client profile and product offerings and evaluate how MFIs might respond. Despite the rapid expansion of microfinance, large areas of India continue to be underserved. Lok Capital estimates that the penetration potential of the existing microfinance model is between approximately 43 million and 52 million households, out of which 22.6 million are existing customers. This implies an unaddressed demand of 20million to 29 million customers. Currently, as many as 54% of all microfinance clients are concentrated in the Southern States: Andhra Pradesh, Karnataka, Kerala and Tamil Nadu.15 Alternatively, there is an extremely limited microfinance presence in the North and North-east. MFIs are beginning to realize, however, that the South is becoming overly saturated and there is a commercial need to expand to newer geographies to ensure continued growth and mai ntain the quality of their portfolio. It has become imperative that MFIs diversify their operational base and limit overexposure to heavily serviced areas and clients. The Karnataka episode (detailed below) has demonstrated the urgent need to re-engineer expansion strategies to avoid over-lending to a cluster of clients and hedge against regional disturbances, economic, political and social. 54% of all microfinance clients are concentrated in the Southern States: Andhra Pradesh, Karnataka, Kerala and Tamil Nadu.15 Alternatively, there is an extremely limited microfinance presence in the North and North-east. MFIs are beginning to realize, however, that the South is becoming overly saturated and there is a commercial need to expand to newer geographies to ensure continued growth an maintain the quality of their portfolio. It has become imperative that MFIs diversify their operational base and limit overexposure to heavily serviced areas and clients. The Karnataka episode (detailed be low) has demonstrated the urgent need to re-engineer expansion strategies to avoid over-lending to a cluster of clients and hedge against regional disturbances, economic, political and social. CLIENT PROFILE We have begun to see greater microfinance activity in states such as Maharashtra and Madhya Pradesh, but MFIs are approaching the North and North-east with more caution and hesitancy because these areas present a very different type of client base compared to South or Central India. Nonetheless, the trend toward expanding in uncharted territories will continue, albeit slowly. In addition, MFIs are trying to start tapping different portions of the low income segment. Thus far, a very narrow band of the low-income population segment has been served through microfinance. There is an ultra-poor segment as well as a wealthier one which have drastically different needs and capacities from the segment currently being served. Small efforts are underway to explore these segments needs and capacities and evaluate what kind of products and services would allow them to be brought under the financial inclusion umbrella. For example, with help from Lok Foundation, Ujjivan is currently participat ing in a pilot program for the urban ultra poor which seeks to equip them with knowledge and skills that will allow them to eventually avail microfinance services. Moreover, the government has also of late turned its focus toward financial inclusion. This means that policy and regulatory attention on microfinance has increased with the government constituting two high-level committees to provide suggestions on how to improve the financial inclusion scenario in India. This new trend will provide impetus to devise strategies for more inclusive growth that makes commercial as well as social sense. PRODUCT OFFERING Thus far, microfinance institutions have largely limited their product and service offering even within the confines of financial inclusion. In fact, their product innovation has been limited to credit which is intended to serve a variety of needs as shown by the box below. The limited product innovation is understandable given the sectors primary focus has been on refining its business model and gaining scale to become financially sustainable. Despite following a single-product model, the sector has experienced remarkable growth. This growth can only be expected to continue as product innovation and diversified service offerings attract and retain greater number of customers with a variety of needs. The very same clients that the sector currently serves have a plethora of alternate needs for basic products and services, financial and non-financial which can affect sustainable, long-term achievements in their quality of life. Fortunately, recognizing this pent-up demand, mature MFI s are beginning to take concrete steps toward expanding their product basket, at least within the context of financial services. Along with credit, MFIs are heavily exploring the possibility of providing savings/deposit services, micro-insurance and remittance services. SAVINGS Access to a savings mechanism, like that which is available through commercial banks, is usually held by the microfinance industry to be the most urgent need to enhance the economic security of the poor. Due to RBI regulations, Non Banking Microfinance Company (NBFC) MFIs cannot currently accept interest-bearing deposits, unless they provide the service through a Section 25 Business Correspondent conduit. This structure prohibits the conduit from charging any fees to execute this function and limits its reach within a limited radius of the bank branch. MFIs are lobbying the RBI to relax these regulations to allow NBFCs to operate as business correspondents, charge an extra fee for the deposit-taking service and delimit the geographical reach of their operations. These changes would not only make deposits a viable commercial product, but also allow MFIs to offer it to a broader set of clients. INSURANCE While credit can serve to enhance a households income, insurance can serve to cushion the negative economic impact in the event of an emergency. Without insurance, a single incident can often impoverish a household, even with access to micro-credit, especially if the emergency affects the main earning members. A number of MFIs already offer micro-insurance products to their clients. The most basic products insure against health and accidental death. Companies such as Satin and BASIX usually tie the insurance products to their credit products, which makes the availability of credit contingent on the client availing insurance. The rationale behind packaging the loan and insurance together is that often clients do not understand the importance or benefit of insurance until they face an emergency. From a commercial viewpoint, the MFI is in effect insuring its loan against a crisis in the clients household, since insurance hedges against total financial collapse and thus ensures repayme nt of the loan, albeit in a delayed fashion. Similar to customers, BASIX also links livestock loans to livestock insurance for a similar reason it cushions the financial blow and increases the likelihood of a successful loan recovery. We can expect the number of insurance products available to increase as MFIs expand beyond their core credit product and clients become more aware of the benefits of insurance. REMITTANCE Domestic labor migration has a long history in India and is on the rise given disparities in growth across states migrants need a fast, low-cost, convenient, safe and widely accessible money transfer service. In India, remittance services can be enabled by the provision of savings and thus need to be provided in tie ups with banks and post offices. In some cases, MFIs provide remittance services by establishing their presence in a migrant destination to channel remittances back to the community in the migrants area of origin or by establishing a tie-up with another MFI, bank or money transfer company in the area of origin. Going forward, the role of technology will become more important in facilitating the development of alternative channels and payment mechanisms. NON-FINANCIAL PRODUCTS Within product offerings, MFIs are considering expanding their activities beyond the realm of financial services since this can provide synergies linked to future expansion. Microfinance clients have myriads of unmet needs such as healthcare and education as well as livelihood requirements which can enhance their income, employment potential or quality of life. Given MFIs existing relationships with this population segment, they would be an ideal channel to provide these services. While MFIs may not want to delve into product lines that are fundamentally different from their core business, they could easily act as conduits to allow other agents to deliver these services to their customers. The microfinance industry as a whole is now experimenting with a wide variety of potential models that could be used to deliver non-financial services. For example, BASIX offers a host of alternative services to its clients. Beyond the basket of credit and other financial products and services, B ASIX also provides low income customers with livelihood services, including agricultural and business development consulting services, to help microfinance clients use their loans more effectively. BASIX offers these alternative services to its clients through different entities housed under one umbrella. These groups have tremendous synergy and contribute to each others growth and prosperity. The credit business enables customer acquisition, while the insurance business mitigates risk, and agricultural and business development service enables customer retention. The consulting and IT business enhances BASIXs revenues, while the social businesses enable research and development which contribute to BASIXs strategy development. In addition to livelihood services, several MFIs are examining the feasibility of providing critical basic services to deliver low cost healthcare, education and vocational training. For example, Spandana is currently developing a comprehensive low cost heal thcare delivery model focused on the healthcare needs of women and children. BASIX has launched a vocational training academy to impart education in rural development and management to potential job seekers from low income communities. These participants would be deployed in the rural/semi urban areas with BASIX or other organizations offering financial services to the poor. In addition to being important avenues for productive utilization of credit by MFI clients, these types of services have a strong potential.

Store a String Along With a String in Delphis ListBox

Delphis TListBox and TComboBox display a list of items - strings in a selectable list. TListBox displays a scrollable list, the TComboBox displays a drop-down list. A common property to all the above controls is the Items property. Items define a list of strings that will appear in the control to the user. At design-time, when you double-click the Items property, the String List Editor lets you specify string items. The Items property is actually a TStrings type descendant. Two Strings Per Item in a ListBox? There are situations when you want to display a list of strings to the user, for example in the list box control, but also have a way to store one more additional string along the one displayed to the user. Whats more, you might want to store/attach more than just a plain string to the string, you might want to attach an object to the item (string). ListBox.Items - TStrings Knows Objects! Give the TStrings object one more look in the Help system. Theres the Objects property which represents a set of objects that are associated with each of the strings in the Strings property - where the Strings property references the actual strings in the list. If you want to assign a second string (or an object) to every string in the list box, you need to populate the Items property at run-time. While you can use the ListBox.Items.Add method to add strings to the list, to associate an object with each string, you will need to use another approach. The ListBox.Items.AddObject method accepts two parameters. The first parameter, Item is the text of the item. The second parameter, AObject is the object associated with the item. Note that list box exposes the AddItem method which does the same as Items.AddObject. Two Strings for One String Since both Items.AddObject and AddItem accept a variable of type TObject for their second parameter, a line like: //compile error! ListBox1.Items.AddObject(zarko, gajic); will result in a compile error: E2010 Incompatible types: TObject and string. You cannot simply supply a string for the object since in Delphi for Win32 string values are not objects. To assign a second string to the list box item, you need to transform a string variable into an object - you need a custom TString object. An Integer for a String If the second value you need to store along with the string item is an integer value, you actually do not need a custom TInteger class. ListBox1.AddItem(Zarko Gajic, TObject(1973)) ; The line above stores the integer number 1973 along with the added Zarko Gajic string. A direct typecast from an integer to an object is made above. The AObject parameter is actually the 4-byte pointer (address) of the object added. Since in Win32 an integer occupies 4 bytes - such a hard cast is possible. To get back the integer associated with the string, you need to cast the object back to the integer value: //year 1973 year : Integer(ListBox1.Items.Objects[ListBox1.Items.IndexOf(Zarko Gajic)]) ; A Delphi Control for a String Why stop here? Assigning strings and integers to a string in a list box is, as you just experienced, a piece of cake. Since Delphi controls are actually objects, you can attach a control to every string displayed in the list box. The following code adds to the ListBox1 (list box) captions of all the TButton controls on a form (place this in the forms OnCreate event handler) along with the reference to each button. var   Ã‚  idx : integer; begin   Ã‚  for idx : 0 to -1 ComponentCount do   Ã‚  begin   Ã‚  Ã‚  Ã‚  if Components[idx] is TButton then ListBox1.AddObject(TButton(Components[idx]).Caption, Components[idx]) ;   Ã‚  end; end; To programmatically click the second button, you can use the next statement: TButton(ListBox1.Items.Objects[1]).Click; I Want to Assign My Custom Objects to the String Item In a more generic situation you would add instances (objects) of your own custom classes: type   Ã‚  TStudent class   Ã‚  private   Ã‚  Ã‚  Ã‚  fName: string;   Ã‚  Ã‚  Ã‚  fYear: integer;   Ã‚  public   Ã‚  Ã‚  Ã‚  property Name : string read fName;   Ã‚  Ã‚  Ã‚  property Year : integer read fYear;   Ã‚  Ã‚  Ã‚  constructor Create(const name : string; const year : integer) ;   Ã‚  end; ........ constructor TStudent.Create(const name : string; const year : integer) ; begin   Ã‚  fName : name;   Ã‚  fYear : year; end; -------- begin   Ã‚  //add two string/objects - students to the list   Ã‚  ListBox1.AddItem(John, TStudent.Create(John, 1970)) ;   Ã‚  ListBox1.AddItem(Jack, TStudent.Create(Jack, 1982)) ;   Ã‚  //grab the first student - John   Ã‚  student : ListBox1.Items.Objects[0] as TStudent;   Ã‚  //display Johns year   Ã‚  ShowMessage(IntToStr(student.Year)) ; end; What You Create You Must Free Heres what the Help has to say about objects in TStrings descendants: the TStrings object does not own the objects you add this way. Objects added to the TStrings object still exist even if the TStrings instance is destroyed. They must be explicitly destroyed by the application. When you add objects to strings - objects that you create - you must make sure you free the memory occupied, or youll have a memory leak A generic custom procedure FreeObjects accepts a variable of type TStrings as its only parameter. FreeObjects will free any objects associated with an item in the string list In the above example, students (TStudent class) are attached to a string in a list box, when the application is about to be closed (main form OnDestroy event, for example), you need to free the memory occupied: FreeObjects(ListBox1.Items) ; Note: You only call this procedure when objects assigned to string items were created by you.

Education And Training Of The Outdoors - 1518 Words

EDUCATION AND TRAINING IN THE OUTDOORS I hear and I forget. I see and I remember. I do and I understand (Confucius – Chinese philosopher 551 BC – 479 BC). This quote, although it is old, still resonates in the way we learn today. To further understand, we have to understand what affective learning is. Affective domain of learning is area of learning concerned with feelings or emotions associated with learning. It is the acquisition of behaviours involved in expressing feelings in attitudes, motivation, values, appreciation and enthusiasm. (Krathwohl, Bloom, Masia, 1973). Affective learning involves: †¢ Receiving: The learner willing to receive information e.g. willingness to learn a new skill like rock climbing †¢ Responding: The learner’s active attention to the instructions e.g. when shown how to properly use a karabiner and belay devices. †¢ Valuing: The learner respecting the instructor or teacher’s directions and committing to learning the new skill †¢ Organization: The learner’s ability to prioritise feelings and emotions concerning the new skills †¢ Characterisation: The learner’s internalisation of the skills learnt and behaviours relating to philosophy and characterising of values. Affective domain of learning usually involves the learner accepting instructions then attempting the task that has been set before them. 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American Rennassance free essay sample

How do the differences affect the mood of each piece? Answer: The poems â€Å"The Snow Storm† and â€Å"It Sifts from Leaden Sieves† are alike because they are both describing snow falling and the things the snow covers and how it covers it. The poems are different because Emerson never actually mentions snow but the way he words his poem you know exactly what he’s talking about. Emily Dickenson directly mentions snow so you know right from the start what she is talking about. (20 points) |Score | | | 2. Choose a poem from Whitman, and explain how it reveals Romantic thinking. Cite examples from the poem as your support. Answer: I chose â€Å"To a Stranger† by Whitman. It reveals romantic thinking because he writes, â€Å"you must be he I was seeking, or she I was seeking, (it comes to me as of a dream,). † He describes this like he was looking to find someone he had seen in a dream before. We will write a custom essay sample on American Rennassance or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page â€Å"I have somewhere surely lived a life of joy with you†, he says. Its sort of like he is describing a deja vu. Like he feels like he had live a life of joy and happiness with a person but is not really sure of it. 20 points) |Score | | | 3. Reread this quotation from near the end of â€Å"Walden Pond†: Many a forenoon have I stolen away, preferring to spend thus the most valued part of the day; for I was rich, if not in money, in sunny hours and summer days, and spent them lavishly; nor do I regret that I did not waste more of them in the workshop or the teacher’s desk. Explain this quotation. Be sure to address the â€Å"wealth† Thoreau claims, his use of that wealth, and his views of the workshop or school Answer: Basically Thoreau is saying that leisure time is a kind of wealth, something that may ultimately be more valuable than money and the material things it might buy. So he doesnt regret the time he played hooky in the middle of the day the most valued part of the day and skipped out of work or other responsible duties, because, although doing so might have prevented him from becoming richer in material goods, hes stored up a lot of experiences that he prizes higher.

The Struggles Between Id and Superego free essay sample

The struggles between Id and Superego in â€Å"Young Goodman Brown† According to Sigmund Freud, there are three psychological forces exerting influence over the human mind. These are consisted with the id, the super-ego and the ego. The id is the part of the unconscious mind where people’s basic needs about pleasure or irrational wishing and the super-ego is the part of the mind that forms moral standards. The ego makes balance of the id and the super-ego. In Hawthorne’s story ‘Young Goodman Brown’, the Brown’s journey through the forest is seen as the struggles between Brown’s id and super-ego. At the beginning of the story, Browns first step in the forest considers as a victory to the id over the super-ego when Brown replied to his wife, Faith, who prevents the journey. Goodman Brown said â€Å"of all nights in the year, this one night must I tarry away from thee. We will write a custom essay sample on The Struggles Between Id and Superego or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page † †¦Ã¢â‚¬ ¦ â€Å"What, my sweet, pretty wife, dost thou doubt me already, and we but three months married! † When Brown responded nervously, his super-ego shows that his anxiety and guilty about unknowable journey to the forest. However, he has already decided to leave his wife to go to the forest at night, because his id wants to fulfill his desire, beginning the journey, and persuaded his wife and also himself as his mention that this journey is only one night of all nights in the year. Brown’s id simply wins again a battle over super-ego when he leaves his wife, Faith, with his unquestionable faith in God. After leaving, Brown said â€Å"What a wretch am I’ †¦ ‘But, no, no! ‘twould kill her to think it’ †¦ ‘Ill cling to her skirts and follow her to Heaven’†¦ elt himself justified in making more haste on his present evil purpose. † When he mentioned if his Faith knew the purpose of the journey, she would die by shock. It shows that he had already known the purpose of the journey is evil. So, his super-ego makes him feel guilty and mention himself as a wretch. However, regardless of the super-ego’s effort, his id drives him to go alo ng his plan to meet with the devil and makes him justify himself as his resolving that he’ll follow Faith to Heaven after just this journey. Browns meeting with the old man who is the devil himself shows Browns confusion between his id and super-ego. Goodman exclaimed â€Å"Too far, too far! † unconsciously resuming his walk. â€Å"My father never went into the woods on such an errand, nor his father before him. † His super-ego makes him cry that he came too far from his Faith which means his wife and also his own faith and makes him get back home in which his Faith waiting him. Also he mention about that his forefathers wear not involved with the devil. It shows that his super-ego tell him that his innateness is not evil, so makes him think to return. However, his id leads his walk to resume unconsciously. The id makes his body to move into the forest whatever he thought about. Brown also shows signs of his fighting between the super-ego and the id when he found out that his catechism teacher, Goody Cloyse, was a witch who is very involved with the devil. Brown stubbornly said â€Å"Friend, my mind is made up. Not another step will I budge on this errand’. †¦Ã¢â‚¬ ¦ ‘Is that any reason why I should quit my dear Faith, and go after her. He decided to stop going along his plan, because he realized that his faults, getting in to the forest to meet the Devil, are the same as the old woman’s. So, his super-ego makes him to feel guilty about that and afraid if he could lose his faith. It leads him to want to stay away from the Devil. However, his id makes him want to see what drives all of them to follow the Devi l. Because, he have already had close mind to the Devil unconsciously when he called the Devil â€Å"friend. † It shows what he mentioned that he want to stop continuing his plan anymore was not from his actual true mind.

The 12 Best Time Management Tips, Skills, and Strategies

The 12 Best Time Management Tips, Skills, and Strategies SAT / ACT Prep Online Guides and Tips When you hear successful people talk about the secret to their success, time management often comes up. But what is this vague and elusive â€Å"time management† they’re talking about? What does time management look like in practice, and how do you make it happen when you’re already stretched thin and overwhelmed? It’s important for anyone who’s busy, overcommitted, or stressed to have an arsenal of concrete, effective time management skills to lean on when things get tough...and when things are easy too! Our expert time management tips will help you make decisions about how to implement time management skills and techniques to organize and guide your daily life, through the good times and bad. After reading our guide to time management, you’ll be prepared to design a personalized time management strategy based on the skills and techniques you learn about here. In this guide, we’re going to cover the following info for you: What is time management, and why is it useful? Top time management tips for reducing stress and increasing success Best tools to support your time management strategies So take some deep, calming breaths and settle in to discover some effective time management techniques! What Is Time Management? Why Is It Useful? When some people think about time management, the first thing that comes to mind is a meticulously color-coded planner clutched tightly between the jittery hands of the student body president or class valedictorian. While well-organized planners can definitely be involved in effective time management, time management is more than just those things. Time management is kind of a creative process: it’s curating the time that you have in your life. Think about what a museum curator does: they select, organize, and look after the items in a collection or exhibit. You’re essentially trying to do the same thing. If your life is the collection or exhibit, then your time, health, responsibilities, commitments, and goals are the â€Å"items† that you need to learn how to â€Å"select, organize, and look after.† Curators want museum exhibits to be beautiful and meaningful, right? We know you want the same thing for your life! That’s why thinking about time management as a creative, strategic process can be a really important mindset for you to take on. Thinking about time management in this way is important because- and you probably already know this from personal experience- everyone is stressed out. Really stressed out. How do we know this? Because teens said so themselves in a 2014 poll. In fact, nearly half of the teens self-reported that they were not doing enough to manage their stress, and 34 percent believed their stress would increase in the coming year. Additionally, most American adults are spending 40 percent of their time at work, and stress-related illnesses account for more than $190 billion dollars in health care costs per year. (That’s a lot!) So how do you transition from being totally stressed and overwhelmed to curating all the â€Å"items† in your life that probably feel like they’re the main source of your stress? By learning about different time management skills, making careful decisions about what will work best for you, and designing an approach to time management that makes you feel strong and confident. Does that sound like hard work? It can be, but it’s hard work that’s totally worth it in the long run. The first step to designing your own approach to time management- techniques, skills, and mindsets included- is learning about concrete actions you can take to manage your time. So let’s take a look at seven concrete actions you can take in our list of top time management tips! Our time management tips will help you stay cool, calm, and collected (unlike this girl, who's definitely stressed out). Our Top 7 Time Management Tips for Reducing Stress and Finding Success To help you become a curator of the â€Å"items† in your life, we’ve done the research and compiled a list of seven tips for effective time management for you. Now, remember: you know yourself and the items in your life better than anyone, so be choosy as you read our list of time management tips! (If you try to incorporate them all, you’re only going to end us more stressed out.) So as you look through our tips, make sure you consider what will work best for you, and then start imagining how you want your time management strategies to look. Tip #1: Assess the â€Å"Items† in Your Life Through a Time Audit We’ll talk more about tools you can use to do this later, but we think a good place to start with developing your time management strategy is assessing the â€Å"items† in your life: those responsibilities, commitments, and goals that make up the exhibit that is your life. You can’t curate something until you know what materials you’re dealing with, right? So start there. One approach that many time management experts swear by is the time audit. A time audit might sound scary, but it’s actually super easy to do. Just select an amount of time- seven days is often recommended- and keep record of how you spend your time throughout each day in that designated time frame. Why do a time audit? Because taking inventory of how you’re currently spending your time can help you identify the changes you need to make. When you do a time audit, you’re supposed to record everything . . . including the hour-long â€Å"break† you took to watch Instagram stories while you were supposed to be studying for your history exam. Once you’ve done a time audit, you’ll have another nifty resource on your hands: a list of all of your weekly responsibilities and tasks. You could develop the list from your time audit into a comprehensive list of recurring tasks and responsibilities, then evaluate the items on that list, KonMari style: for each task or commitment on your list, ask yourself, â€Å"Does this spark joy?† Then, keep or discard accordingly. Of course, we know you can’t â€Å"discard† your required math or English courses...but lots of students overwhelm their schedules with tons of extracurriculars because they believe that quantity equals quality to college admissions committees. Additionally, you’ll also figure out where you’re wasting the most time. (Hint: it’s probably the Internet.) Here’s a reality check for you, though: college admissions committees are more interested in seeing your commitment to excellence in a few well-chosen extracurriculars than in seeing that you were a member of a bunch of different clubs or organizations. Taking your list of responsibilities and commitments to task through the KonMari method can help you shave that list down so it only includes things that enable you to grow, thrive, and achieve results that are meaningful to you and to college admissions committees. Win-win! Tip #2: Learn More About Yourself Since you’re the primary curator of your time (at least, in an ideal world), it’s worth it to assess yourself as a part of your time management strategy development, on top of assessing all of the other â€Å"items† in your life. This one’s more of a meta-tip- we’re asking you to really think about who you are, how you function, your strengths and weaknesses, your needs...we’re asking you to self-assess, and then to make plans for time management based on that self-assessment. And, here’s another plus: self-assessing can actually be a ton of fun. Have you ever taken a personality quiz? We recommend setting aside some time to take a personality test or two, then seeing if the results tell you anything new about your personality. That’s one great way to self-assess! Some personality assessments that are commonly used in workplace environments and by colleges and universities include the StrengthsQuest, the Myers Briggs, and the Riso-Hudson Enneagram Type Indicator. (You can even take a Sorting Hat Quiz, which isn’t official, but it is fun.) So what exactly can you learn from personality tests that might help with your time management? Well, personality tests usually generate reports based on your responses that provide an analysis of things like: How you perceive the world How you make decisions What motivates you and what stresses you out Your top strengths and weaknesses How you respond to external pressures, like interruptions, distractions, or others’ expectations How you function in interpersonal relationships, like in a team environment or workplace Can learning about these aspects of your personality help you design effective time management strategies? You betcha. We recommend taking your results from these tests with a grain of salt, since no personality test out there is perfect, but getting to know yourself a little better can be really helpful when you sit down to make decisions about your time management strategy. Tip #3: Take Time to Make a Plan and Prioritize We’re going to talk more later about actual tools you can use to keep track of the plans you make, but right now, we just want to emphasize this: making a plan for your week, for your day, and for long-term tasks and projects is extremely important. In order to create plans that prioritize urgent items and make the most effective use of your time, management experts recommend focusing first on effectiveness, then efficiency. We’ll break those concepts down into concrete actions next! Focus on Effectiveness To make a solid plan, first assess the expectations, goals, or outcomes for your day, week, or specific task or project. Take ten minutes in the evenings to evaluate your goals for the next day and sketch out a plan for how you want to achieve those goals. Do the same thing at the beginning of every week. Map out which tasks you want to complete in the morning, afternoon, and evening, and how much time you think it should take to meet your goals for those tasks. Then do the same thing for long-term or multi-step tasks or projects. Carefully read the assignment sheet your teacher gave you for that research paper or final project. Highlight it and annotate it. Ask yourself or others: What should the finished product look like? Who else is involved in this task, and how do I get them to actively participate? What tools, resources, or information do I need to acquire in order to complete this task? Making plans is good. Letting your goals guide your planning makes your plans is even better! Focus on Efficiency The second step to making effective plans involves breaking your tasks or projects down into manageable pieces or stages. As you build your plans, start by asking yourself some questions: When must the entire task be completed, and how much time will it take? Which parts of the task are going to be the most challenging or time-consuming? Which parts of the task can I complete or prepare for early? Breaking big tasks down into smaller pieces can help you allocate your time to completion of that task appropriately. Breaking big tasks down into smaller pieces can also be really helpful if you’re prone to procrastination, or if you get so anxious about big, overwhelming tasks that you can’t get work done. A couple of tried and true approaches to getting yourself going on tasks you really don’t want to do include the â€Å"Swiss Cheese† Approach and the Pomodoro Technique. These methods have some differences, but both encourage you to allocate a small amount of time to working on something- say, twenty minutes- and getting one small piece of it done. Advocates of the Swiss Cheese Approach and the Pomodoro Technique claim that just getting started and getting a little bit done can often give you the confidence you need to push through and finish the bigger task. Even if that’s not the case- or if you don’t have time to finish the entire task in one sitting- these techniques help you chip away at a big task or project over time. If you’ve planned well, you should have plenty of time to complete big projects incrementally and meet both your goals and deadlines. When you're dialed in and focused, you maximize your time. Tip #4: Curate Your Environment Into a Full-Focus Zone Another key to managing your time well is managing your environment. But what does it mean to manage your environment? Here’s an example: researchers have found that increasing natural light in work environments can increase workers’ productivity by reducing negative factors like eyestrain, headaches, and blurred vision. In other words, we’re talking here about how your physical environment affects what you get out of your available time. Now, we know that you have minimal control over your environment at school. But what about when the final bell rings and your time becomes yours again? That’s when you can really take ownership of curating a work environment that enables you to meet your goals and work efficiently. Some questions you can ask yourself to help curate your environment to maximize your time include: How does my workspace make me feel? Calm? Jittery? Restless? What could I change about this space to make it suit my needs? What is distracting me in this space, and is there a way to eliminate that distraction? What sounds, smells, tastes, textures, or visuals motivate me and help me focus, and how can I incorporate them into this space? Simple questions, right? But maybe you haven’t thought about your workspace in this way before. Maybe helping you focus and get your work done is just a matter of filling your workspace with some natural light, finding a more comfortable chair, or turning off your phone until you get your urgent tasks completed. So evaluate your workspace and figure out what’s best for you. Working in a space that works for you will decrease the amount of time you spend on physical distractions, which means you’ll be using your time more effectively! Tip #5: Take A Breather Managing your time effectively isn’t just about penciling work into every available second in your day. It’s also about scheduling in breaks so that you can get more out of your work time. Taking planned, meaningful breaks can replenish your energy and motivation when you start feeling sluggish or distracted. Taking a breather is an important time management technique! You could use the self-assessments that we talked about earlier to help you decide how to approach taking breaks. Taking fifteen minutes to stretch, grab a snack, or walk around outside for a few minutes can all be reinvigorating, but you’ll ultimately want to spend your break time doing something that works for you. What we don’t recommend is spending your break times doing something that could easily spill over into the next thing on your schedule, especially if that will make you anxious or upset. For example, if you pick up your phone to scroll through social media and you know you’re going to have a really hard time putting it down and focusing on your work again, just don’t get on social media. Save it for later, when your work is done. Work is important, but it's equally important to make time to relax! Tip #6: Make Time for the Things That Sustain You... You probably know people who skip meals, guzzle energy drinks, or only sleep three hours a night because they’re so busy and stressed. But research shows that sleep deprivation can contribute to various health problems and have negative effects on mood, memory, and concentration. And it’s pretty difficult to thrive if you aren’t fueling your body and brain properly. We understand that, when you’re already stressed and overwhelmed by the mountain of things you have to do, spending valuable time on eating, sleeping, exercise, and leisure can feel like a waste. The problem is, if you don’t dedicate some of your time to doing these things well also, it’s going to hurt your productivity in other areas. So make time to eat healthy, nourishing food, if you can. Take your time eating- enjoy it. Try to get eight hours of good sleep a night. Exercise in a way that makes you feel strong. Pay attention to how your body is responding to the pace of your life. Spend meaningful time with your family and friends. And reward yourself when you meet a goal! You work hard! You deserve to spend some of your time on meaningful activities besides work. Doing so will increase your positivity, and you can use that to catalyze productivity during your working hours as well. Tip #7: ...And Eliminate the Small Things That Don’t Saying â€Å"no† to things is easier said than done, but this is an essential part of effective time management. Even the most talented people can’t do everything, and they shouldn’t try. In order to be excellent at the things that you really want to do, you have to have enough time to learn, grow, and invest in those things...which unfortunately means you’ll have to say no to other things. Now, we’re not talking here about resigning from your officer position in the National Honor Society or dropping varsity choir. We’re talking about developing an instinct for when to say â€Å"no† to the little things that add up over time. These are the things that come up in the middle of the week that you didn’t plan for, the little favors or extra tasks that you’re randomly asked to take on. For example, if you hold leadership positions in organizations you’re involved in or if you’re known for being a high achiever in your extracurricular activities, your advisors or peers might ask you to take on more and more responsibilities because they know you’re awesome. But what can end up happening is that the same people take responsibility for things over and over, even though there are plenty of other people with extra time on their hands and not a lot to do. You could think of saying â€Å"no† to taking on more small things as an opportunity to let other people step up and learn how to lead or take responsibility. If you’re swamped one week and someone asks you to take on an extra task at your student council meeting, consider saying something like, â€Å"My plate is already pretty full this week, but I think Emma would do a fantastic job managing that task. I’ll come with you to ask her if she’d be willing to take the lead on that.† Saying â€Å"no† gives you more time to excel at the things that are meaningful to you. It also helps clear the clutter out of your brain and your to-do list. One of the neatest benefits, though, is that it gives other people the opportunity to shine. Who would’ve thought that effective time management could have such amazing benefits? Good time management comes down to having the right tools for the job. (Probably not these tools...but you never know!) 5 Best Tools To Support Your Time Management Strategies Now that you’ve read our top seven time management tips, we also want to hook you up with some time management tools that can play a role in growing your time management skills. Here’s the bottom line about time management tools: whether you choose from our list below or do your own research, it can be extremely helpful- even essential, for some people- to consistently use specific time management tools that support your developing time management skills. We live in a fast-paced world, and you don’t have to do it all on your own! We’re going to look at five different types of time management tools that you can use for different approaches to time management. Check them out and decide what works for you! Tool #1: Paper Planners Paper, you say? Nothing new and flashy about that. That may be true, but physically writing things down by hand helps you process information on a deeper level, which can help with mental recall later on. So that’s one big advantage of keeping a paper planner. If your school has strict rules about whipping out digital technology during or in between classes, a paper planner might be a good choice as well. Plus, there are a ton of options out there for planners that are aesthetically pleasing and designed for optimal productivity that also won’t break the bank. And an added benefit is that you can choose a design that fits both your needs and your personality! Advantages: Won’t crash when the WiFi does; fully high school-approved; great for detail retention; affordable (if you want it to be!) Cost: $8+ Tool #2: RescueTime If you’ve already been looking into time management apps, you’ve probably seen RescueTime mentioned all over the place. RescueTime runs securely in the background on your computer or mobile device, tracks your time spent on apps and websites, then generates a detailed report that lets you know how you spent your time that day. If you found the idea of doing a time audit (mentioned above in Tip #1) really appealing, RescueTime might be the app for you. Once you’ve used RescueTime to assess how you spend your time on your digital devices, you can even use it to set alerts that let you know how much time you’ve spent on a certain activity, block distracting websites for designated periods of time, and log highlights about what you accomplished during the day. If you’re looking for help actually managing your time spent on various tasks throughout your day, check out RescueTime! Advantages: Performs a daily time audit for you; keeps you accountable to your goals and schedule; manages distractions; supported by macOS, Linux, Android, and Windows platforms. Cost: The Lite plan is free, and you can upgrade to Premium for $9/month. Tool #3: Be Focused If you’re one of those people who gets easily overwhelmed by big picture stuff or you thought the Pomodoro Method (Tip #3) sounded cool, try out Be Focused, an app that segments out your workflow into timed increments and designated breaks. You can set your timed work increments and breaks to time frames of your choosing, and the app also generates a pie chart reporting how much time you spent on a given task and tracking your progress. In other words, it lets you add time-conscious structure to your day! There’s one downside to Be Focused, though. Unfortunately, this app is only available for iOS devices, but if you’re looking for a similar app for other devices, take a look at focus booster. Advantages: Handles the Pomodoro Technique for you; runs pre-programmed timers that you can use to guide your workflow Cost: $1.99 Tool #4: Google Apps This one’s a classic. Google Apps provides you with a lot of capabilities: emailing, archiving and organizing your files, creating slide presentations, and keeping up with a calendar are just a few. While you don’t have to use all of Google’s apps, if you’re interested in centralizing your schedule, email, contacts, and project files, this is a great option. Google’s can also be super helpful if you have to do a lot of collaborative projects, papers, presentations, or planning for events and activities too. Google Drive allows you to share media files with anyone who has an email address, and you can create and edit files collaboratively using Google Docs, Google Spreadsheets, and Google Slides. And even better: the only thing you have to do to access these powerful tools is sign up for a Google account! There’s also a strong possibility that your future college or university will assign you a Google account once you get on campus, so getting familiar with the many different ways that Google Apps can aid you in your academic career right now could give you a jumpstart on being an A+ college student in the future. Advantages: Accessible wherever there’s an Internet connection; usually school-approved; lets you store everything in one place; easy file-sharing and collaboration capabilities; usable on mobile and desktop Cost: Free! Tool #5: Evernote If you’re a compulsive note taker or list maker, take a look at Evernote. Evernote provides a central location where you can store and organize notes, voice recordings, pictures, and videos. This app might also interest you if you like to meticulously archive your notes and materials using some kind of intricate organizational system of your own design. This is probably sounding similar to Google Drive, so here are a couple of features that Evernote has that Google Drive doesn’t. Evernote allows you to apply tags to individual notes, so if you have notes that fall under more than one category, for example, you can tag them accordingly. Evernote’s search feature is more granular than Google Drive’s as well: you can search the contents of notes, notebooks (collections of notes), tags, and even attachments. The freedom to design your own organizational strategy could be overwhelming to some people, though, so Evernote might be a great resource to take advantage of when you start feeling really confident in your time management skills. The only downside with this option is that, in order to access Evernote’s full capabilities, you’ll have to upgrade to Evernote Premium, which comes with a monthly fee. If you upgrade to Premium, though, you can access Evernote from any device, even when you don’t have WiFi or mobile data. Advantages: Enormous storage space; multiple options for organizing and labelling content; easy to save content you capture on-the-go straight into Evernote; work from any device, anywhere (with Premium) Cost: Free for Evernote Basic; $7.99/month for Evernote Premium What’s Next? Now that you have all the tips and tricks you need to start managing your time, let’s jump into planning. (Planning is your friend!) But getting started can be a little intimidating, so we’ve created timelines to make things a little easier. Here’s a complete planning guide to studying for the SAT (and one for the ACT, too). Are you a procrastinator struggling to get your time management skills in order? We’ve been there. That’s why we’ve developed cram guides to the SAT and ACT. Click here for the SAT cram guide and here for the ACT cram guide! The trick to getting into the college of your dreams is planning ahead. (Sensing a theme here?) Here’s our guide to choosing the right AP classes for you, so you can make the most of your high school career.

Watching the video and answer the following questions Essay

Watching the video and answer the following questions - Essay Example What I liked about the video is the jokes, the humor, the show of intelligence, and the content itself. What is stated in the video is indeed very, very useful, if not practical, for anyone. It is all good, if you ask me. however, what I did not like about the video is the last part where Cleese tried to give some rather harsh, inhuman advice to employers about how to prevent their employees from getting themselves into a creative state. This creative state is a result of a few steps and a number of requirements. The steps are quite simple, and this can be summarized as getting into the open mode (the mode of humor and relaxation) and making a decision in it, switching to the closed mode (the realistic and stressful mode) to implement it, narrowing our focus when we have to implement it, and switching back to the open mode when we have to evaluate it and to buy time before we can decide whether to proceed or not. The requirements for one to be able to get himself into the open mode include space, specific time or making time to be in the open mode, enough time to play with the problem before making a decision, acting with confidence, and punctuating the act with humor. These are actually abstract concepts but at least Cleese has made them half-concrete for the layman to understand. I believe I can follow these instructions to the letter, which means that I will follow them without modifying them to my own advantage. However, before anything else, I should always remember the concepts that Cleese underlined in his speech. One of these is the idea that an open state is when a person is relaxed, less purposeful, contemplative, humorous, playful and curious, and that it is being in this state that one can be creative. Therefore, any environment that is the opposite of these aforementioned qualities must reflect the closed mode, and that

(choice of topics listed below) and its implications for WORLD Research Paper

(choice of topics listed below) and its implications for WORLD REGIONAL GEOGRAPHY - Research Paper Example A region is usually defined as a part of the surface of the earth having various characteristics that makes the area unique from other areas. The regional geography looks to focus on the unique and specific characteristics of various places related to the economy, culture; climate, environmental and political factor. Study of regional geography started develop in United States and Europe during the period between World War I and World War II as geographers were looking for a way to make geography a strong credible university level subject. (Marston, Knox, and Liverman 205) Globalization on the other hand refers to the increasing interconnectedness and interdependence of places globally. The major implications of globalization are the expansion of global connections with relation to the network and relation leading to increasing awareness about the world. The present study looks to analyze the implications of globalization on the world regional geography. The core concept of the study is of great importance as there have been very few studies similar to the mentioned one. Analysis and Findings Various geographers like Peter Dicken have often criticized fellow geographers for missing out on the topic of globalization and its impact of world regional geography. Mr. ... Also it is quite strange that very few geographers are looking to discuss the relationship between globalization and geography. All in all there is a belief that geographers can play a major role in the overall geographic debate. There is a misconception among some of the geographers over the fact that the world is flat. However, it is not quite true. The concept of the world is flat has often been mentioned in the Thunen’s agricultural location theory, central place theory and industrial location theory by Weber (Hobbs 301). Geographers became nervous in the early 90’s when the promoters of globalization started to predict convergence, locations, and places, end of distance, global villages and geography. One can also find defenses coming out from the business world, media, social sciences and geography. The most fundamental arguments that have been summarized by Yeung include: The global economy is not a singular production factory. It is a regional production world a nd hence it is contested by regionalization which is also happens to be the major drive of global economy; junction and global cultures have emphasized on the awareness of cultural responses and local differences; globalization does not refer to the end of states and nations as the primary point of political governance. The message of the geographers which includes various publications has been hardly able to reach the minds of the non geographic junction of promoters and hence the evolution of globalization ahs continued the end of regional geography debate. The lack of appropriate dialog between regional and systematic geographers has some reduced the impact of

To Build a Fire Essay Example for Free

To Build a Fire Essay The Yukon setting in To Build a Fire is used by the author, Jack London, as a sort of shorthand whereby even the most casual of readers will be able to understand the potential lethality and bodily danger such a wilderness presents to the main character of the story,   an understanding which is essential to the storys overall theme, plot, and impact. The Yukon setting is also important because it provides and underlying motivation for the storys protagonist, a   newcomer in the land, a chechaquo to be in such a hostile environment in the first place: profit. The all-too-familiar lure of profit, for gold or for other salable resources forms an underlying motivation for the storys protagonist who is bound for the old claim on the left fork of Henderson Creek, where the boys were already and the protagonist himself is going the roundabout way to take a look at the possibilities of getting out logs in the spring from the islands in the Yukon all of which begs the question: why is a newcomer choosing to go it alone in the Yukon? (London, 1998, p. 342)      Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   This central question forms the fulcrum upon which the theme and plot of the story turn. Because the reader will immediately fear for the fate of the protagonist, from the opening paragraphs of the story, a sense of suspense and character-sympathy is generated. However, in order for reader identification with the protagonist to genuinely take hold, it is necessary for London to reveal just a bit more of the protagonists internal state, his personality, beliefs and flaws.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚   The following information about the protagonist is revealed on the first page of the story:   But all this-the mysterious, far-reaching hair-line trail, the absence of sun from the sky, the cold, and the strangeness and weirdness of it allmade no impression on the man. It was not because he was long used to it   but because he was without imagination and therefore unable to extrapolate from the immediate moment to the probable future. in other words he was unable to understand or visualize the possible consequences of his actions or decisions.  Ã‚   (London 341,42)   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Such a disadvantage is less of a liability when it pertains to certain logistical capacities, which the character, indeed, uses in a futile attempt to build a fire and escape his own death as the perils in the story increase. The protagonist is quick and alert in the things of life, but only in the things, and not in the significances; so, to him, Fifty degrees below zero meant eighty-odd degrees of frost and nothing more. He may acknowledge that the conditions are cold and uncomfortable but these realizations fail to alert within him an sense of his frailty as a creature of temperature, and upon mans frailty in general, and this seems to indicate that London intends the protagonist of his story to stand, in some ways, for the entire human race: in ecological terms, out of balance with nature and oblivious to the consequences of ingenuity and technology (London,   342).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The revelation of the characters internal flaw increases reader-identification and sympathy, which is essential to the unfolding of the storys climax and thematic resolution. Because London intends the story to function in some ways as a cautionary tale about the perilous consequences of humanity exploiting nature and living out of harmony with nature,   the reader must be lured into identifying with the storys protagonist as deeply as is possible. london accomplishes this by allowing the protagonists ingenuity, intelligence, and determination to win several small victories along the way to the storys tragic resolution. Each time the protagonist is able to think his way to a temporary solution to his challenges and deathly obstacles, the reader is led to identify more intensely with him and root for his victory over indifferent nature.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In effect, London is leading the reader to root for humanity as represented by the storys protagonist: the reader is encouraged when the storys protagonist manages to build a fire against all the odds and begin the process of thawing out his clothes and body; the reader is deeply disappointed and fearful when a small shingle of snow falls on that fire, extinguishing it and with it, all realistic hope of the protagonists survival. Because the reader has been led to identify deeply wit the protagonist, and with his logistical abilities and even his hard headed realism, this even in the story, the extinguishing of the protagonists fire, lands a symbolically charged blow right on the readers sense of pride in humanity, revealing that the protagonists previously identified flaw: lack of imagination, is actually a variant of pride or self-absorption. In this way, London makes it clear that the human races reliance upon science, technology, capitalism, and pride are the very aspects which bring about a discord with nature. This discord is not portrayed as being merely unfortunate, but it is revealed as being the kiss of death, of extinction, for humanity and all of humanitys achievements. these vast aspects are personalized through the story and demonstrated in microcosm through the sue of symbolic imagery.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Londons story is intended not only to engage each individual reader but also the collective of humanity as a whole. The themes of To Build a Fire are universal. I have personally been guilty of pride with disastrous consequence on many occasions; it remains to be seen whether or not the ecological aspects of this story will play a constructive or merely ironic role in determining my own future behavior or the behavior of the human race in general.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Works Cited London, Jack. The Call of the Wild, White Fang, and Other Stories. Ed. Earle Labor and Robert   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   C. Leitz. Oxford: Oxford University Press, 1998.

Comets :: essays research papers

COMETS   Ã‚  Ã‚  Ã‚  Ã‚  Comets have been witnessed ever since man has been speculating about objects in the nighttime sky and appear in records from the beginning of recorded civilization (Schweighauser 20).   Ã‚  Ã‚  Ã‚  Ã‚  Comets are made up of four distinct features. The first is the nucleus. The nucleus is made up of frozen gases, mostly water vapor with lesser amounts of carbon dioxide and carbon monoxide, and imbedded in the frozen gases are interplanetary dust and tiny fragments of stony and metallic meteoric material. Some comets, the larger ones, have a nucleus of 10 kilometers (Schweighauser 22). The second feature of comets is the coma. The coma is composed of atoms and molecules of gas that travels with the nucleus. The coma may be up to 100,000 kilometers in diameter. The third feature of a comet is the head. The head is just the name given to the coma and nucleus. The last of the features of the comet are the tails. Most comets have two tails. One tail is made from dust particles and the other, called ion tail, is made gases. As a comet approaches the sun, the frozen gas becomes unfrozen which causes the dust particles to become free. Light pressure from the sun and some other forces cause these materials to move away from the head of the comet and in the opposite direction from the sun. According to Charles A. Schweighauser in his book, entitled Astronomy from A to Z: A Dictionary of Celestial Objects and Ideas, he states that we see comet heads and tails because they not only reflect sunlight, but they also fluoresce—give off their own light—when comets are near the sun. The tails from the comet may be up to 150 million kilometers long each or together. Comets have a predictable orbit. There are one thousand comets that have been charted. Some comets go by the sun once and others, which are called periodic comets, pass the sun repeatedly following a predicable pattern. I have chosen a periodic comet called Tempel-Tuttle. Ernst Wilhelm Liebrecht Tempel and Horace Parnell Tuttle discovered this comet. This comet has been witnessed as early as 1366. The best apparition was that of 1366 when it passed 0.