Tips for Expressing Sympathy

Tips for Expressing Sympathy Unfortunately, bad things happen. When we hear about these events happening to people we care about, expressing our sympathy can go a long way. Doing so is often difficult as we want to communicate  our concern but dont want to be intrusive or offensive. With these tips and your sincere sentiments, your words of comfort are likely to be meaningful to the person in your life who is having a tough time. Structuring Common Phrases of Sympathy in English Here are some common phrases to help you express sympathy. Im sorry to hear about Noun/Gerund   Im sorry to hear about your difficulties with the boss. I know he can be really difficult at times.Ellen just told me the news. Im sorry to hear about your not getting into Harvard! Please accept my condolences.   This phrase is used to express sympathy when someone has died. Please accept my condolences. Your father was a great man.Im sorry to hear of your loss. Please accept my condolences. Thats so sad. Thats so sad that you lost your job.Thats so sad that he doesnt love you anymore.  I hope things get better soon. This phrase is used when people have been having difficulty over a long period  of time. I know your life has been difficult lately. I hope things get better soon.I cant believe how much bad luck youve had. I hope things get better soon. I hope you feel better soon. This phrase is used when someone is experiencing health problems. Im so sorry you broke your leg. I hope you feel better soon.ï » ¿Stay home for the week. I hope you feel better soon.   Example Dialogue Expressing sympathy is used in a number of situations. For example, you might express sympathy for someone whose family member has passed away. Generally,  we express sympathy to someone who has difficulties of some sort.  Here are some example dialogues to help you learn when to express sympathy in English. Person 1:  Ive been rather sick lately.Person 2:  I hope you feel better soon. Another Example Person 1:  Tim has been having a lot of troubles lately. I think he might be getting a divorce.Person 2:  Im sorry to hear about Tims problems. I hope things get better for him soon. Writing Sympathy Notes Its also common to express sympathy in writing. Here are some common phrases you can use when writing a sympathy note to someone. Notice that it is common to use the plural we and our when expressing written sympathy as a way to express that a family. Finally, its important to keep a sympathy note short. My heartfelt condolences on your loss.Our thoughts are with you.She/he was a lot of things to many people and will be missed tremendously.I am thinking of you in your time of loss.We are very saddened to hear of your loss. With deepest sympathies.You have my sincere sympathy.You have our deepest sympathy. Example Sympathy Note Dear John, I heard recently that your mother passed away. She was such a wonderful woman. Please accept my heartfelt condolences on your loss. You have our deepest sympathy. Warm regards, Ken

Free Essays on ENUM (Electric Numbering System)

- Table of Contents - Page Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.1 What is ENUM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦1 About ENUM†¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦1 How Does ENUM Work...†¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.2 DNS Structure and â€Å".arpa†.†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..2 Kinds of ENUM Applications†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..3 VoIP†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.3 Figure 1: Example of an IP Telephone and Gateway†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.3 Figure 2: Example of a Voice-over-IP setup†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 VPIM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.5 Figure 3: Example of a Voice-Protocol-for-Internet-Mail†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦...6 Privacy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.7 Future Plans†¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦...7 VoIP†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦8 VPIM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..8 Conclusion†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..9 †¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..10 - Introduction – What is ENUM? Imagine being able to reach a person anywhere in the world just by typing in a single telephone number on the Internet. The message could be sent to any possible point of contact: cell phone, e-mail, ins... Free Essays on ENUM (Electric Numbering System) Free Essays on ENUM (Electric Numbering System) - Table of Contents - Page Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.1 What is ENUM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦1 About ENUM†¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦1 How Does ENUM Work...†¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.2 DNS Structure and â€Å".arpa†.†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..2 Kinds of ENUM Applications†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..3 VoIP†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.3 Figure 1: Example of an IP Telephone and Gateway†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.3 Figure 2: Example of a Voice-over-IP setup†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 VPIM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.5 Figure 3: Example of a Voice-Protocol-for-Internet-Mail†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦...6 Privacy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.7 Future Plans†¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦...7 VoIP†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦8 VPIM†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..8 Conclusion†¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..9 †¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..10 - Introduction – What is ENUM? Imagine being able to reach a person anywhere in the world just by typing in a single telephone number on the Internet. The message could be sent to any possible point of contact: cell phone, e-mail, ins...

Operational Analysis for Improving Performance of Wheatley Park Hotel Essay

Operational Analysis for Improving Performance of Wheatley Park Hotel - Essay Example This essay stresses that the current effective capacity strategy of the hotel is operating at the 60% occupancy where excellent service was expected from the staff. A level capacity strategy does not vary the amount of resources supplied. At Wheatley Park Hotel, the staffs are kept at a constant level regardless of the demand pattern. This strategy has created subsequent problems with the hotel such as staff wages, overtime pays, congestion and overall high operations costs. A problem at Wheatley Park Hotel is its laundry equipment. The machine is old and suffered frequent break-downs. As a result, the cost of laundry operation is high and rising. Cost for breakdown maintenance call-out of  £800 is added to the weekly running cost of laundry operation at  £1000. Consequently, it affects other operations in the hotel such as the changing of bed linens and towels. This paper makes a conclusion that the current trend of hotels is to employ yield management strategy in their reservations. Yield management is the management the amount of revenue that a unit of capacity generates to the business. In the hotel setting, the unit capacity is one room. Currently, the hotel has a yield contribution of  £100. By implementing yield management strategy, the hotel can increase the contribution of the room as well as increase its occupancy. The steps involves determining the best customer who are willing to pay more, buy more, and remain more loyal.

Impact of Advertising Essay Example | Topics and Well Written Essays - 750 words

Impact of Advertising - Essay Example Materialistic appeal in advertising perpetuates desire to buy and consume and that is how an economy of any nation gets the necessary boost. When economy moves forward, numerous employment opportunities are created for everyone. More opportunities mean more income and that in turn, lifts living standard of society at large. After all, this has been the objective of humans since time immemorial. While materialism leads to more demand, advertising helps people in this endeavor to find newer things and consume. On consumers part, there is the continuous search to find improved products and services as made available by producers and suppliers. In this way, the interaction between consumers and marketers is a permanent affair and advertising is a strong tool to fulfilling consumers’ aspirations. Advertising has played a key role in globalization and globalization has helped conserve precious resources to produce quality goods and make them available across the globe at the lowest possible costs. Examples are Toyota, Hyundai, Honda and Mitsubishi cars they are considered not only most fuel efficient but also compact and cozy by consumers. Toyotas previous ad ‘Moving Forward’ has now changed to ‘Lets Go Places’ intimate with more exciting products. The tagline is ‘inspirational, inclusive and very versatile’ (AdvertisingAge, 2012). The past tagline between 1975 and 1979, ‘You asked for it. You got it’ made people run after Toyota cars and they became best sellers in the short period. It can be easily realized that these ads make a tremendous impact on people and prompt them to go for the best. Advertising has a tremendous capacity to change the society. While wealth creation is a necessity for the well-being of people in the society, letting people know about new creations is equally important. And it happens through advertising because it helps companies spread messages to a large section of society, whether through print or electronic media, almost instantaneously.

Philosophy of Education Essay Example for Free

Philosophy of Education Essay The word â€Å"teacher† does the profession no service. A teacher is really a combination of the most important professions in the world. Besides the parents, an educator is the biggest influence in a child’s life. The age span in which children are in school is the most impressionable years of their lives. A student’s educational experience can mold the events of his or her future. That is why I want to become a teacher. I want to be a mold for younger generations, and I hope for students to remember a knowledgeable and ethical teacher. Beliefs I feel the student should come to school willing to learn and the teacher should come ready to teach! The student’s role is just as important as the teachers; the student’s expectations of the teacher should be for her to teach and help them learn at all times. Teachers also play an important role in the classroom when it comes to the environment. If the teacher prepares a warm, happy environment, students are more likely to be happy. An environment set by the teacher can be either good or bad. If students feel the teacher is angry, students may react badly to that and therefore learning can be harder. I think teachers are responsible for the social behavior in their classrooms. This behavior is primarily a reflection of the teachers actions and the environment he/she sets. Metaphysics We are all here for a purpose and I believe that, that is to live for God and follow his way of life. It is hard to know what you are really on earth for until you find it through him! Some teachers will find it hard to keep the focus on the classroom do to all the other outside distractions but, I strongly believe that is you were meant to be a teacher then you will find a way to look past the bad and find the good. Why am I here? I think I am here to help children follow their dreams and make it through school easier than I did. When I become a teacher I want to be the best ever! I want to see that smile on the kids’ faces after I teach them something amazing. Progressivism I want to teach from some aspects of the progressivism style which focuses on respect for individuality, high regard for science, and learning from experience. I want to teach the children in my classroom to have respect for each other. This is a quality that will help them to be successful in society because if they respect others, then others will have respect for them. Having respect for others also shows that they have respect for themselves. I also want children to learn by hands-on activities. I will direct them from step to step and demonstrate how to do each step in the activities they perform. These activities make learning more interesting for the children because the children are able to get involved instead of just always watching the teacher do everything. Speaking of the children getting involved, they can really get involved when learning in a different atmosphere when on field trips. I feel taking children on field trips is an effective learning experience for them because it allows children to get out of the classroom setting and learn from a different perspective. In addition I want to focus on sciences because they are an important area in the knowledge of children. I think this growing area of our society should be focused on thoroughly because science advances and improves every day and I feel children should be aware of their changing world. Constructivism I feel like this is the main reason why I should teach and why I want to teach, I have learned so much though school and it has molded me to become who I am today. I learn a lot through experience and what I know will make me a better teacher it will help me relate to the ones that hate school or the ones that think they can’t do it. It’s all a process and the way you take the steps is how I think you will show others so you have to help them with their process and make sure that it doesn’t go bad or in the wrong direction. I plan to continue my education so that I may make teaching my profession. After graduation, I hope to find a position in an elementary school teaching in one of the first through sixth grade classes. I feel that elementary education is extremely important because it is here that children establish their foundation for the rest of the educational career. My goal and desires are to have the opportunity to touch a child’s life.

Why Terrorism Should Be a Global Concern Essay -- essays research pape

The war on terror is at the peak and there are vivid indications that every stone will be turned to halt it. A central assumption is that terrorism is a religious war, apparently between Christians and the Muslims. This is just a moral claim that terrorists are using to attract more people over to their side, as well as create solidarity among the Muslims. As a result, the imagery and the reality of terrorism differ overwhelmingly. There are various terror occurrences around the globe that are similar and can be classified as terrorism. Otherwise, terrorism has been a means to carry on a conflict without the antagonist realizing the nature of the threat, mistaking terrorism for criminal activity. Terrorism should be a global concern because it is fast spreading around the globe raising terror. It has been facilitated by the use of religion as a justification for terrorist activities, proliferation of local terrorist groups, and political instability among and within various world wid e nations. In spite of terrorism apparent proliferation around the globe, some people may maintain that it should not be a global concern. It is important to realize that terrorism has not affected all nations in the world. Therefore, some people might argue that it does not warranty global concern. Don Van Natta, Jr. A columnist for the New York Times and Name 2 writer of the article â€Å"A World Made More Dangerous as Terrorism Spreads† scrutinizes wrote in his article activity in the world and identifies the countries that are involved. Natta Jr finds out that there is terrorist activity in every continent but only a few and specific countries are involved (Natta Jr 340). Hence, terrorist involvement accounts for only a small percentage of the c... ...understanding these root causes of the problem as the first step towards ending the war. Then, uniting the whole world under one course for peace love and unity will be the greatest war against terrorism. Works cited Crusious, Timothy W. and Carolyn E. Channel. Aims of Argument. 5th ed. New York: Mc Graw-Hill, 2006. Philip Jenkins. â€Å"Why Terrorism?† Images of Terror: What we can and can’t know about Terrorism 2003. Crusious and Channel 320-325. Rohan Gunaratna. â€Å"The Al Qaeda Threat and the International Response† Inside Al Qaeda: Global Network of Terror 2002. Crusious and Channel 326-339. Don Van Natta Jr. â€Å"A World Made More Dangerous as Terrorism Spreads† The New York Times April 2004. Crusious and Channel 339-342. Yonah Alexender. â€Å"Terrorism in The Name of God† World and I October 20002. Crusious and Channel 360-365. Why Terrorism Should Be a Global Concern Essay -- essays research pape The war on terror is at the peak and there are vivid indications that every stone will be turned to halt it. A central assumption is that terrorism is a religious war, apparently between Christians and the Muslims. This is just a moral claim that terrorists are using to attract more people over to their side, as well as create solidarity among the Muslims. As a result, the imagery and the reality of terrorism differ overwhelmingly. There are various terror occurrences around the globe that are similar and can be classified as terrorism. Otherwise, terrorism has been a means to carry on a conflict without the antagonist realizing the nature of the threat, mistaking terrorism for criminal activity. Terrorism should be a global concern because it is fast spreading around the globe raising terror. It has been facilitated by the use of religion as a justification for terrorist activities, proliferation of local terrorist groups, and political instability among and within various world wid e nations. In spite of terrorism apparent proliferation around the globe, some people may maintain that it should not be a global concern. It is important to realize that terrorism has not affected all nations in the world. Therefore, some people might argue that it does not warranty global concern. Don Van Natta, Jr. A columnist for the New York Times and Name 2 writer of the article â€Å"A World Made More Dangerous as Terrorism Spreads† scrutinizes wrote in his article activity in the world and identifies the countries that are involved. Natta Jr finds out that there is terrorist activity in every continent but only a few and specific countries are involved (Natta Jr 340). Hence, terrorist involvement accounts for only a small percentage of the c... ...understanding these root causes of the problem as the first step towards ending the war. Then, uniting the whole world under one course for peace love and unity will be the greatest war against terrorism. Works cited Crusious, Timothy W. and Carolyn E. Channel. Aims of Argument. 5th ed. New York: Mc Graw-Hill, 2006. Philip Jenkins. â€Å"Why Terrorism?† Images of Terror: What we can and can’t know about Terrorism 2003. Crusious and Channel 320-325. Rohan Gunaratna. â€Å"The Al Qaeda Threat and the International Response† Inside Al Qaeda: Global Network of Terror 2002. Crusious and Channel 326-339. Don Van Natta Jr. â€Å"A World Made More Dangerous as Terrorism Spreads† The New York Times April 2004. Crusious and Channel 339-342. Yonah Alexender. â€Å"Terrorism in The Name of God† World and I October 20002. Crusious and Channel 360-365.

Argumentative Essay: Classmate vs Parents

Do you agree or disagree with the following statement: â€Å"Classmates have more influence on a child’s success in school than parents do†. Use specific reasons and examples to support your answer. Excellent academic performance is the dream of almost every kid. There are many factors affecting children’s success in school, two of which are classmates and parents. The question that who has played more important role seems to be a controversial issue. Personally I think parents somehow contribute more due to the following reasons.Firstly it is often said that parents are who understand kids the most. Not only do they have a thorough picture of the children’s interest, but they are also able to figure out their strengths and weaknesses. Thanks to the affluent experience they have got, parents are supposed to be the perfect kid’s consultants in school life, giving them good advice under any circumstances. Although dad and mom may not help with the aca demic knowledge, they can still share the working skills, for example time management, or assist effectively in case of affection trouble, like a puppy love.If it hadn’t been for parental orientation, there must be many of us who could not be that successful in school. Moreover, it will be very hard for any kids to conquer the study peak if there is no parental support in term of time and money. There are many obvious examples here in Vietnam showing the incredible efforts of rural parents who determine to sell everything in the house in order that their kids can take the university entrance examination.I myself still remember the time of primary school when my father had to travel approximately 20 kilometers every morning to take me to class; how much I owe him! Unconditional love is the only reason for these endless sacrifices. Opponents who think that classmates may have greater influence on study success have their point in arguing that same-aged friends can are better at helping each other in school subjects; and excellent peers can have a very good impact on kids. It is undeniable that classmates also play an important role in children’s academic performance as well as school relationships.However, the question is, how many of a kid’s peers can stand by his side through hard time in such a long study life? Classmates are not as experienced as parents to help kids make up their minds in crucial study decision as well. While school fellows are kids’ partners, parents are their life-time companions. To sum up, I want to emphasize that both classmates and parents do influence over a child’s academic performance, but the latters have a bigger saying. And kids need many other factors to be successful, not only in school, but in their future life.

King Henry Iv Part One – Falstaff Notes

Falstaff: J. Dover Wilson – Riot and the Prodigal Prince (1943) â€Å"No on†¦ can have missed the resemblance between Riot and Falstaff Falstaff serves 2 main roles in William Shakespeare’s King Henry IV Part One †¢Alternative father figure to Hal †¢The Vice (comedic representation) As a father figure to Hal, Falstaff’s influence is juxtaposed against that of Hal’s biological father King Henry IV. He influences Hal to steal and behave most inappropriately for a prince.This influence offers comedic relief to the audience from the court aspect of the play and also provides a starting point/lifestyle from which Hal can develop. -Falstaff holds himself much above his setting, considering himself to truly be much greater than he really is he achieves this by such actions as partaking in witty banter with the prince while in the tavern as well as telling lies about heroic deeds he presumably achieved. Act 3 Scene 3 – line 10-15 Comic repre sentation of Falstaff’s virtues -defends himself and by doing so highlights his misdeeds -swore little gambled no more than 7 days a week -went to a prostitute house not more often than every 15 mins -paid off his debts that he keeps burrowing -lived in a good moral compass Falstaff is associated with the Devil of the miracle play and the Vice of the morality play and misleads Hal in such a way as to provide amusement and to lower Hal’s standing to provide contrast to his rising and in such a way as to allow for sympathy to his character but is also obvious to the audience â€Å"that the reign of this marvellous Lord of Misrule must have an end, that Falstaff mu be rejected by the Prodigal Prince,† (J.Dover Wilson) Shakespeare also uses Falstaff â€Å"in order to explain and palliate the Prince’s love of rioting and wantonness† â€Å"a devil†¦ in the likeness of an old fat man† a very different kind of poet, who imagined a very differen t kind of satin. J. Dover Wilson â€Å"Falstaff symbolizes, on the one hand, all the feasting and good cheer for which Eastcheap stood, and reflects, on the other, the shifts, subterfuges, and shady tricks that decayed gentlemen and soldiers were put to if they wished to keep afloat and gratify their appetites in the London underworld of the late sixteenth century. †

Role of Future Insurance Industry in Pakistan Essays

Role of Future Insurance Industry in Pakistan Essays Role of Future Insurance Industry in Pakistan Essay Role of Future Insurance Industry in Pakistan Essay The insurance business in Pakistan and I would prefer to do describe it as a business rather than an industry is an interesting application of this paradox. Over the years, the fatalism enjoined by Islam has been underwritten by a more pragmatic mechanism, which has offered various degrees of financial protection on the assumption that whereas it may be advisable to submit unquestionably to the will of God, one should not necessarily be out of pocket as a result. Fatalism tempered by pragmatism, therefore, can be regarded as recurring attributes of the insurance business in Pakistan, even from the very first green days of our Independence. When Pakistan was established in 1947, there were 77 insurance companies in all. Today there are 52. In 1947, 70 of those 77 companies were foreign companies and/or their branches. Today there are 10. The seven local companies have 47 years later become 42, and might have been more had 32 of them not been nationalised on March 18, 1972, when their life insurance business was brought into the public sector, and consolidated under the aegis of the State Life Insurance Corporation of Pakistan. Today, Pakistan has 52 companies conducting general business. They offer primarily Fire, Marine, Motor and Accident cover. The composition of general insurance business is Understandable, considering the lack of sophistication of our domestic environment. In 1993, Fire (including-Profits) accounted for 32. 2 per cent of the Gross Direct Premiums, Motor for 33. 1 per cent, Marine (including Hull) Premiums for 23 per cent and Accident (including Engineering) for 11. 7 per cent. The concentration of business amongst the insurers themselves presents a curiously disjointed picture. The 10 foreign companies have only a 10. 5 per cent share of the Gross Direct Premiums, and of the 41 Pakistani companies operating in the market, 35 of them share 18 per cent of the business, while only 6 companies command and control 71. per cent of the general business. What these companies share in common, though, is an obligation (an onerous one according to some) to reinsure a mandatory 20 per cant (it used to be 30%) of their insurance business with Pakistan Insurance Corporation (PIC), which was established in 1952 to provide reinsurance facilities within Pakistan and overseas, and to develop the insurance by offering technical and expert advice. PIC has grown substantially since 953, with its Gross Premium Income in the last five years being above the 1 billion mark. Its overall profitability has wavered, falling from an all time high of Rs. 119 million in 1991 to below Rs. 50 million in 1991. Apart from this obligation to reinsure with PIC, the general insurance companies are left largely to themselves and expected to be self-regulatory. Their Fire, Motor, Workmens Compensation and Marine classes of business are governed by a Tariff which is determined by themselves through their Insurance Association. Their maximum statutorily approved agency commission rates of 15 per cent for Marine business and 20 per cent for Non-Marine business have become more gentlemanly statements of intent than rigorously enforced standards. In their business, insurance companies are monitored by the Controller of Insurance, an administrative arm not of the Ministry of Industries but of the Ministry of Commerce. They are regulated by Insurance Rules of 1958, approved in the same year as the distant Martial Law coup of Ayub Khan. And they are governed by a law the Insurance Act of 1938, promulgated a year before the outbreak of the Second World War. To fatalism and pragmatism, one should perhaps therefore add the world Archaism, for no sector of Pakistans financial services market stands so deeply mired in its past, nor has as much need for deregulation and modernisation, if it is to prepare itself for the future. than the insurance business sector in Pakistan. There is no equivalent to the Companies Ordinance 1984 in the insurance sector. There is no appropriate counterpart to the Corporate Law Authority, to give an impetus to its development or to safeguard the interest of the public. The recent spectacular growth in the financial services sector, in my opinion, was no accident. It was the direct fertile result of an environment made receptive by regulated incentives and governmental initiative. Can the insurance business of Pakistan achieve the same sort of success? I cannot see why not. What than should be the direction of the insurance sector? What should be its role? An attempt was made seven years ago to answer these questions when, in 1987, a Government Commission was constituted to diagnose the malaise in the insurance sector. The report, submitted to the Government three years later, identified some of its more reprehensible practices for example, the methods used by insurance companies to obtain business particularly through banks, irregularities in settlement of claims, the indisciplined and unethical ractices of insurance surveyors, methods of rebating, commissions to agents, and discounts Whatever good that three volume report contained was interred with its bones; the evils it hoped to exercise continued to live long after it. More recently, last year in August 1993, another review took place when, in an Overview of the Insurance Industry by one of the leading brokerage houses, Khadim Ali Shah Bukhari Limited, the major problems were identified as: * Excessive Government controls * Compulsory reinsurance with PI C * High capital gains tax on investment gains Higher rate of tax on dividend income than 10% * Inaccessibility to public sector business, which is the domain of the National Insurance Corporation * Poor quality of manpower and limited training facilities It would be hard to question the justification for these complaints. It would be even harder to justify why the insurance companies have done so little to assuage them. If the future role of the insurance business sector is to grow and match the expanding requirements of Pakistans economy, there are key areas in which the insurance companies must themselves take the initiative. The first must be education. No one should be allowed to forget that insurance being a customer service oriented business, its success depends heavily on the quality and calibre of its personnel. In the United Kingdom, it was once considered enough for a new entrant into the business to have five GCEO levels and then spend his life within the same organisation learning the job on the job. Today, anyone wanting to make a career in Insurance should expect to be ready to tackle very focused courses, like those conducted by the College of Insurance in London. Apart from such foundation topics as Personnel Development Skills, Surveying and Risk Management, Reinsurance, Aviation and Marine, the students at the College are also offered such specialised subjects as European Law, the Use of Annual reports and Accounts for Errors and Omission Avoidance, Insolvency Rules and Regulations, and Financial Reinsurance and Derivatives. Insurance may have been a business by men; it is rapidly becoming one managed by women. An interesting aftermath of the second income phenomenon has been that in the United Kingdom, out of a total employment in the insurance usiness of almost 400,000 employed, 49. 3 per cent have been women. Another significant feature has been that 8 per cent are the total strength is self-employed. This emphasis on education, though needs to go beyond the potential or existing employees in insurance companies. Another audience whose knowledge of the insurance business should never be presumed but whose ignorance can have damaging cons equences is that of the lawmakers themselves. It took Great Britain over a century to recognise the significance of this advantage. Only as recently as 1991 was an All Party Parliamentary Group on Insurance and Financial Services formed to act as a bridge between the lawmaking MPs and a law-abiding industry. Without a better understanding of the business of insurance, should one honestly expect legislators to be able or equipped to promulgate sound and appropriate laws? And what about the laws themselves? Can there be legislation of any adequacy without an accepted definition of such simple but crucial words in a policy as theft, or flood, accidental bodily injury or reasonable steps to safeguard any property insured? Are we ourselves clear on what we all understand by Warranties, Responsibilities for Disclosure, Misrepresentations, and the Brokers responsibilities to his or her clients? Such legislative clarity is difficult to achieve but necessary to attain, for without such a suitable legal framework, and a regulatory environment which is both sensitive to and responsive to changes, the future growth of the insurance business in Pakistan will continue as before a blind perpetuation of arcane laws and the mindless repetition of previous practices. Can Pakistan afford such an addition to history? Can our insurance Industry avoid the responsibility for developing new products more attuned to the specific needs of our economy? The future of the insurance sector must connect with the permanent features of our economy. If we are still fundamentally an agrarian society, we have to expand crop, livestock and other such agrarian insurance schemes. The 1988 National Commission on Agriculture, incidentally, makes no mention of insurance anywhere in its 644 page report. If we are gradually expanding into an urban economy, we have to consider widening schemes which provide household and personal effects insurance. If we want to build our own motor cars to speed on our own multi-lane highways, we have to fashion policies which provide cover not simply for the vehicles, its passengers, third party liability, but also anticipate the responsibilities incumbent on highway authorities regarding the condition of the roads. If we want to maximise the safer and more efficient use of our railway system, we must encourage the Pakistan Railways to obtain cover for risks which are germane to their operations. Similarly, insurance cover of transport by road should not be left to the goodwill of the transporters, many of whom regard self-insurance, like rash driving, as the best form of protection. If we are veering towards industrialisation, products coverage should have to go beyond fire insurance of the factory and stocks Loss of profits insurance, safety standards, more open disclosure of actual replacement values, a fairer participation of the premium/risk are some of the more brittle realities businessmen will have to learn to accommodate. And if we are to have a population which is refusing to stop at 120 million, and is taking longer to grow older, clinical risk management will become continuing rather than occasional features of our economic society. Health insurance will become more than simply reimbursing medical bills. It could and must in time cover risks in obstetrics and gynaecology, health care management, managing financial risks like contract clauses and indemnities, drugs cases and claims associated with environmental hazards. And if we are a nation that attaches a value to the life and well-being of our citizens, a nation which advocates the work ethic, and a nation which encourages life insurance as a means of channelling savings into productive investment, the future role of the insurance sector both of Life and General will be a translation of these responsibilities and opportunities into productive action. The largest mobiliser of funds in the insurance market has been unquestionably the State Life Insurance Corporation of Pakistan. Since 1972, following the traumatic nationalisation of life business, SLIC has grown tremendously. Its premium income has increased from Rs. 316 million in 1973 the first year of its consolidation to Rs. 5 billion in 1994, equalling the total Gross Direct Premium of all the 52 companies in the general sector. SLICs investment portfolio grew from Rs. 1. 4 billion to Rs. 21 billion, and not surprisingly SLICs investment income has now become almost one-third of its total income. Its yield on Life Funds is about 14. 4 per cent which may explain why the new companies which have been granted permission to do life business are displaying an understandable hesitancy. Nothing is secret in the public sector, and certainly the use of SLICs funds over the years to finance Government has been no secret. SLICs portfolio consists primarily of Government securities. That in itself is not a problem. What one needs to identify is the impact on the Governments reliance upon SLIC as a resource, should SLIC be privatised to the point where its policies could be brought more in line with market imperatives and competitive investment options. It is already six years since the Insurance Reforms Commission was established. During this period, because of Deregulation and Privatisation, the whole financial services market has undergone an irreversible change. Further privatisation will bring about additional responsibilities, which means more costs, as insurance of commercial risks becomes no longer a matter of choice but an inescapable requirement. Businessmen of tomorrow will have to accept that insurance policies are not a chance talisman against calamities. Used prudently, they can be a resilient and reliable safety net, providing them and the economy with a level of confidence to take risks which are quantifiable and knowingly and prudently underwritten. In another six years Pakistan will be in the 21st century. No one would expect that all of the aspects of the insurance business whether legislative, regulatory or commercial will be in place by then. A reasonable expectation would be that significant steps would be taken to move in those directions. Talleyrand once said that war is much too serious a business to be left to military men. Similarly, perhaps, the future role of Insurance in Pakistan is too serious to be left only to insurance men. Its future lies in the hands of better informed legislators, more responsible insurance professionals, and perhaps most importantly of all, more discerning and demanding customers themselves. Collectively they can, and I am sure, will fashion the future role of the insurance sector in Pakistan.

Famous Quotations About Marriage and Married Life

Famous Quotations About Marriage and Married Life Anybody who has been in a happy marriage will confirm that the key to a happy married life lies in the bedrock of trust and friendship. Marriage spells out a lifetime of love. With trust, you can overcome all odds. Build your marriage into a rock-steady relationship with trust. For more secrets to a successful marriage, read these quotes about marriage. Quotes on Marriage HomerThere is nothing nobler or more admirable than when two people who see eye to eye keep house as man and wife, confounding their enemies and delighting their friends. Robert C. DoddsThe goal in marriage is not to think alike, but to think together. Lyndon B. JohnsonOnly two things are necessary to keep ones wife happy. One is to let her think she is having her own way, the other, to let her have it. Pearl S. BuckA good marriage is one which allows for change and growth in the individuals and in the way they express their love. Rainer Maria RilkeA good marriage is that in which each appoints the other guardian of his solitude. Simone SignoretChains do not hold a marriage together. It is threads, hundreds of tiny threads which sew people together through the years. That is what makes a marriage last more than passion or even sex! SocratesMy advice to you is to get married. If you find a good wife, youll be happy; if not, youll become a philosopher. Martin LutherThere is no more lovely, friendly and charming relationship, communion or company than a good marriage Iris MurdochThe absolute yearning of one human body for another particular body and its indifference to substitutes is one of lifes major mysteries. Nanette NewmanA good marriage is at least 80 percent good luck in finding the right person at the right time. The rest is trust. Morris L. ErnstA sound marriage is not based on complete frankness; it is based on a sensible reticence. Dave MeurerA great marriage is not when the perfect couple come together. It is when an imperfect couple learns to enjoy their differences. Helen Gahagan DouglasWhen a marriage works, nothing on earth can take its place. Paul TournierThis is what marriage really means: helping one another to reach the full status of being persons, responsible beings who do not run away from life. Mignon McLaughlinA successful marriage requires falling in love many times, always with the same person. Honore de BalzacOne should believe in marriage as in the immortality of the soul. Benjamin DisraeliIt destroys ones nerves to be amiable every day to the same human being. Robert AndersonIn every marriage more than a week old, there are grounds for divorce. The trick is to find, and continue to find, grounds for marriage. Sydney J. HarrisAlmost no one is foolish enough to imagine that he automatically deserves great success in any field of activity, yet almost everyone believes that he automatically deserves success in marriage. George EliotThat quiet mutual gaze of a trusting husband and wife is like the first moment of rest or refuge from a great weariness or a great danger.

Keyword research Essay Example | Topics and Well Written Essays - 250 words

Keyword research - Essay Example It states that; The statement keeps reappearing in the first part of the site as an orientation and introduction to the site. Such words convince the people browsing through the website to be confident about what the institution offers and be able to navigate through the site easily. Secondly, the development stages give a clear cut avenue towards some main keywords that are critical and sufficient with relevant content. This stage has three well placed words; Research, Development, and Delivery. Each of them is a link to relevant information related to the meaning of the word. Anyone will know that it offers research, development and teaches delivery too. This can be easily done through simple clicking on the words to access more information about the same. There are portals bearing keywords for students who wish to join, information about the institution, partners, and blog. There is also a keyword that links the site with the official website of the institution. In conclusion, the website has most words that are specific and to the

LAW OF SUCCESSION - CASE HISTORY FOR ASSIGNMENT

LAW OF SUCCESSION - CASE HISTORY FOR - Assignment Example it was held that the test of mental competence is whether the testator had a ‘sound and disposing mind and memory’, that required the testator to have ‘an understanding of the nature of the business in which he is engaged, a recollection of the property he means to dispose of, of the persons who are the objects of his bounty, and the manner in which it is to be distributed between them.’4 Therefore, this includes the testator appreciating all the moral claims upon him, that is, he should be able to recollect all the persons that he is morally bound to provide taking into consideration the testator’s relationship to the person, even if he is not going to benefit them.5 The burden of proof lies with the propounder of the will, which must satisfy the court on the balance of probabilities, that the testator was mentally competent to make the will. However, if the will on the face of it is rational, then a presumption arises that the testator was mentally competent to make the will. In Symes v Green,6it was held that, if the party opposing the will rebuts the said presumption by producing evidence to the contrary, the burden of proof shifts back to the propounder. In light of the above discussions, David has the capacity to make a will, because he was an adult at the time he made all the wills. The issue of the deceased’s soundness of mind can only arise when a beneficiary wishes to challenge the validity of the will. 2. Whether the will was made voluntarily without any duress, undue influence or by mistake. A testator must be conversant and assent the substance of their will. A testator assents to the terms of the will if he executes it in those terms on his own volition and without any coercion or undue influence by a third party.7In order to make a valid...The later will must also have been validly executed pursuant to the Wills Act. In the Goods of Hodgkinson,12 it was held that originally revoked, say X will remains revok ed if the revoking will, Y, is itself revoked by Z. in this case, X cannot be revived. Finally, a will can be revoked, under section 20, by some writing declaring the intention to revoke it. In the Goods of Durance, 13 it was held that it can be a letter signed by the testator and witnessed as required o...