Research About Students with Parents Working Abroad Essay Example for Free

Research About Students with Parents Working Abroad Essay Tool. A person or a thing used to accomplish another’s purposes, to convey, somebody who is manipulated to carry out tasks. It also refers to the process of how the data of this study is gathered collected. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Spirituality. The quality or condition of being spiritual. It also refers to the subject of the study which is one of the many roles that a nurse has, it is relentlessly provided to the appropriate respondents. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Hospital. An institution where people receive medical, surgical, or psychiatric treatment and nursing care. It also refers to the location of the study conducted. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Experience. Knowledge or skill gained through being involved in or exposed to something over a period of time. It is used as the extent of the respondent’s awareness. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Practice. To work in a profession, especially law or medicine. Refers to the respondent’s profession which is adopted in the study. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Patient. Somebody who receives medical treatment. It is the respondents in the SACH which is given spirituality care by the nurse respondents. It also refers to one of the subjects of the study. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Demographic Data. The characteristics of a human population or part of it, especially its size, growth, density, distribution, and statistics regarding birth, marriage, disease, and death. In this study it refers to the number of respondents in SACH that is to be used in the study. (Microsoft ® Encarta ® 2009.  © 1993-2008 Microsoft Corporation.) Level of Awareness. Relating to or having knowledge of something from having observed it or been told about it. In this study, it represents the total number of correctness of the respondents to the answers in the provided questionnaires on their level of awareness about spiritual care in both nurses patients in SACH.

Literary Analysis of ?The Grandfather? by Gary Soto Essay -- essays re

â€Å"[Gary Soto’s] power comes from showing, from painting pictures that allow the reader to feel the wonder promise, and pain of everyday life† (Fabiano185). Gary Soto’s writing goes right to the center of the Chicano experience (Dunn 284). In â€Å"The Grandfather†, Gary Soto presents the feeling of what everyday life would be like when living in a Hispanic community. Soto is able to do this with a naturalistic writing style, writing in a simple style, and using his real life experiences as a basis. Naturalism is a writing style in which the writer takes a slice of life and makes it last forever. In â€Å"The Grandfather† Soto uses a naturalistic style of writing. In his writing Soto contemplates over everyday life such as marriage, parenthood, friendship, or making a living (Fields 284). In â€Å"The Grandfather†, Grandfather had â€Å"s settles in Fresno and works thirty years at Sun Maid Raisin†¦Ã¢â‚¬  to make a living (Soto 6). Soto writes about everyday events and he does not try to butter anything up. The critic Geoffrey Dunn states that Gary Soto recalls dad to day traumas, tragedies, and triumphs (283). This can be seen when Soto writes about how Grandfather waits his whole life for his favorite tree to give it’s fruit, and after twenty long years, it does (Soto 9). The tree finally giving fruit is Grandfather’s triumph. Soto’s naturalistic writing style is one of the elements that makes his stories so inciting. Cavazos 2   Ã‚  Ã‚  Ã‚  Ã‚  Soto also writes in a very simple style....

Microinsurance

Research questionIn the developing countries, people are destitute which can be attributed to the political and economic conditions in addition to the situations in the financial and social sector that inhibit the opportunities available for the development.( Islam and Memun,2005,2006).   Micro credit concept with different mechanisms and practices developed by the microfinance institutions helps to reduce the poverty. The impact of the risks on poor people is such that it inhibits the economic and human welfare to a greater extent.Personal, social, and natural risks that involve high expenditures increase the poverty. Services offered by the formal mechanisms provide more benefits at a lower cost than the services when compared to the services of the informal mechanisms, even though the risk factor reduces the effectiveness of the micro credit. Institution and the borrower are connected by a mechanism which is risk protection or insurance. Many of the micro financial institutions focus on the lender’s part of risk and ignore the risk from the borrower’s side. Improvements in this area will protect the risk of the borrower and alleviate poverty. (Mamun.M.Z).Aim of the studyThe aim of the present study is to investigate the relationship between micro insurance mechanism and sustainable poverty alleviation among the women of Kiberia of the country Kenya. The study also aims to find out whether there is any relationship between the vulnerability and risk management, and the capabilities of the micro financial institutions to manage the risk effectively.Objectives of the study:Overview of the micro insurance Analysis of the micro insurance practices in Kenya Analysis of the provisions of the different models of micro insurance. Analyze the   performance of the micro financial institutions as providers of micro insurance Investigate the socio-economic and psycho-social aspects of the risk To study the cultural and sociological values and attitudes. Research hypothesis of the studyThe present study focuses on the link between the micro insurance and poverty alleviation, in addition to focusing on such issues as the policies and regulations of the government of Kenya for insurance in general and micro insurance in particular.Hypothesis-1Micro insurance and its role in the alleviation of poverty:Insurance designed for the people of low-income group and businesses that is characterized by low premiums and low coverage limits. As with the insurance, micro insurance also functions on the concept of risk pooling but by linking many smaller units to larger structures.   The concept of micro insurance enhances the functions of insurance as well as supports the structures for the improved governance. Similar to the general insurance, micro insurance covers a wide variety of risks that include health risk and the property risk. (Alexander S. Preker et.al, 2002).Thus the micro insurance protects the people of the low income group again st certain risks for the payment of regular premiums. In addition to its coverage of expenses against health risks, it can also cover to certain hazards of the business. The main challenge associated with the micro insurance is it has to provide a comprehensive protection that is ideal that could be affordable at low premiums. A mixture of mechanisms will help poor people to manage the risks. The new products and services of micro insurance will definitely help poor people to recover the setbacks. Demand assessment in a right way will help to develop an effective design of the products and services of the micro insurance. Micro insurance is the key for the alleviation of poverty.Hypothesis-2Filling the gap to provide the coverage for the excluded:Some reports on the market opportunities for the sustainable micro insurance products in Kenya, it was found that only a few mechanisms help to cover the losses. To recover the losses people borrow, rather than drawing the hard earned money from their savings. In the formal insurance mechanisms, the claiming process is burdensome for the people who are illiterate and linkage of the formal insurance to the credit increases the cost of premium.The micro insurance mechanisms are popular in that the terms associated with them are understandable, premium payment systems that are flexible, trust and timely pay outs. Poor people use a mixture of the tools to manage the risks as none of the existing strategies have the ability to provide 100% coverage. Micro insurance can play an important and potential role in filling these gaps. To make the mechanism sustainable and effective, there is a need for the providers of the micro insurance to understand the underlying challenges in the mechanism. It is important to Understand the range and effective of the risk, learning the advantages and disadvantages of these mechanisms in social obligations.Hypothesis-3Transformation of the micro finance institutions to micro insurance- a new way to fight poverty: microfinance is the humanitarian activity for the welfare of the poor people, a small amount of unsecured loans, provided for the people for the income generation. The efficiency of the micro loan mechanism encouraged to bring this endeavor to a large scale. In many countries legislations were enacted to formalize the activities of this sector. However there are some draw backs associated with the micro finance institutions. (MFI). Lack of knowledge in designing the product is the draw back with MFI’s as these institutions have never attempted the risk calculation and designing matters related to insurance.There are no proper policies of the government that help in giving a scope for reinsurance and work commercially in a full fledged way. There is no specific method available with MFI that can handle the risks effectively, and the MFI’s do not adjust the premiums on par with inflation. The MFI’s perform tasks like sale of products, collect ion of the premium and pooling the risk. MFI’s are sustainable in their growth due to their good relations with the clients and they are high performers in terms of cash collection and sales of the product, consequently their product designing and risk pooling is very poor.MFI’s are innovators and practitioners and they have a rich experience and professionalism with poor. They have a better knowledge of adopting the strategies and policies to the target group. It has been shown that MFI does can respond the needs of clients for insurance. These institutions have recognized the fact that insurance has the role protecting the client as well as the institution. The MFI’s have an additional source of income that can improve sustainability.Hypothesis-4Changing the policies of the insurance with the intervention of the government is a key to success:It is important to establish the concept of micro insurance as a market product and the MFI’s as providers of se rvice. There are several avenues in this sector that require the intervention of the government. The government has to design its policies in such a way that it can assist the commercial insures and MFI’s in an agent partner model and design the schemes based on the strengths of the clients. The generic service business market, with the support of the vertical commodity based business service market by enabling an environment set by government regulations and policies that are relevant to the specific markets offered by the government is a key to the success.Hypothesis-5Poverty in Kenya reflects challenges and complexities in dealing with the alleviation of poverty and making them sustainable:The women comprise around 50% in Kenya and comprise a vulnerable group that faces unique constraints. Most of the women combine domestic activities with the income generating activities and the lack of time dictates their choice of the enterprise. Most of the women that are involved in t he small enterprises lack the investment capital.The other constraints include their illiteracy, lengthy beaurocratic procedures to acquire the license, lack of adequate housing, and the limited resources coupled with heavy family responsibilities. Remedial measures by the government and the institutions will not only increase the participation of women in the small micro enterprises but also improves the quality of the life of the household and the economy of the country as a hole. The intervention of the MFI’s with micro insurance designs will help to improve the poor women as well as the institution.MethodologyMy research studies comprises of quantitative and qualitative studies.Quantitative studies:Data collection is done mostly through direct observation and interviews. Most of my sources for the secondary analysis include books, articles, newspapers and internet. I choose the sources that are mostly of objective nature. I search for some models and methods to adopt them for my research to find out whether there is any correlation between the micro insurance and poverty alleviation.Qualitative study:Data collected from the interviews will enable me to do my qualitative studies in a realistic manner. I will interview the women from the low income group, personnel from banks government offices, financial institutions, insurance companies that are involved in the insurance related matters. These interviews will help me to gain a knowledge on the needs of the women of low income group, and their view on the operations of the institution of the micro insurance.Time to be spent on my research studiesThe first nine months will be spent to develop the proposal, methodology and literature review. During this time I will allocate my time also to attend the courses relevant to the subject and research methods as per the recommendations of the university. I will spend four to six weeks to obtain data from the interviews and statistical work. I will spend six m onths time in the slums of kibera for an intensive field work. ApplicationWith this proposal I feel I can apply for a research grant for my research studies.ReferencesAlexander S. Preker, Guy Carrin, David Dror, Melitta Jakab, William Hsiao, Dyna Arhin-Tenkorang (2002). â€Å"Effectiveness of community health financing in meeting thecost of illness†. Bulletin of the World Health Organisation 80 (2): 143–150. Geneva: WHO.Islam, Nazrul and Mamun, M. Z. (2006). Prospects of health Insurance Initiatives in Bangladesh: An Empirical Study, Proceedings of the Tenth Annual Conference of Asia-Pacific Risk and Insurance Association (APRIA), July 30- August 2, 2006, Meiji University, Tokyo, Japan.Islam, Nazrul and Mamun, M. Z. (2005). Factors for Not Buying Life Insurance Policies in a Developing Country: A Case of Bangladesh. Journal of Business Administration, Institute of Business Administration, University of Dhaka, Bangladesh, Vol. 31, No. 1 & 2, pp. 1-22, January & April 20 05.Ziaulhaq Mamun.M, Contribution of Micro-Insurance Augementing The poverty alleviationA Draft Paper Prepared for the 11th APRIA Conference at National Chengchi University, Taipei, Taiwan (July 25-28, 2007)

Learn About the Distant Dwarf Planet Pluto

Of all the planets in the solar system, the tiny dwarf planet Pluto captures peoples attention like no other. For one thing, it was discovered in 1930 by astronomer Clyde Tombaugh. Most planets most planets were found much earlier. For another, its so distant no one knew much about it. That was true until 2015 when the New Horizons spacecraft flew by and gave gorgeous close-up images of it. However, the biggest reason Pluto is on peoples minds is for a much simpler reason: in 2006, a small group of astronomers (most of them not planetary scientists), decided to demote Pluto from being a planet. That started a huge controversy that continues to this day.   Pluto from Earth Pluto is so far away that we cant see it with the naked eye. Most desktop planetarium programs and digital apps can show observers where Pluto is, but anyone wishing to see it needs a pretty good telescope. The Hubble Space Telescope, which orbits Earth, has been able to observe it, but the great distance didnt allow a highly detailed image.   Pluto lies in a region of the solar system called the Kuiper Belt. It contains more dwarf planets, plus a collection of cometary nuclei. Planetary astronomers sometimes refer to this area as the third regime of the solar system, more distant than the terrestrial and gas giant planets.   Pluto by the Numbers As a dwarf planet, Pluto is obviously a small world. It measures 7,232 km around at its equator, which makes it smaller than Mercury and the Jovian moon Ganymede. Its much larger than its companion world Charon, which is  Ã¢â‚¬â€¹3,792  km  around.   For a long time, people thought Pluto was an ice world, which makes sense since it orbits so far from the Sun in a realm where most gases freeze to ice. Studies made by the New Horizons craft show that there is indeed a lot of ice at Pluto. However, it turns out to much denser than expected, which means it has a rocky component far beneath the icy crust.   Distance lends Pluto a certain amount of mystery since we cant see any of its features from Earth. It lies an average of 6 billion kilometers from the Sun. In reality, Plutos orbit is very elliptical (egg-shaped) and so this little world can be anywhere from 4.4 billion km to just over 7.3 billion km, depending on where it is in its orbit. Since it lies so far away from the Sun, Pluto takes 248 Earth years to make one trip around the Sun.   Pluto on the Surface Once New Horizons got to Pluto, it found a world covered with nitrogen ice in some places, along with some water ice. Some of the surface appears very dark and reddish. This is due to an organic substance that is created when ices are bombarded by ultraviolet light from the Sun. Theres a great deal of fairly young ice deposited on the surface, which comes from inside the planet. Jagged mountain peaks made of water ice rise up above flat plains and some of those mountains are as high as the Rockies.   Pluto Under the Surface So, what causes ice to ooze up from underneath Plutos surface?  Planetary scientists have a good idea that theres something heating the planet deep within the core. This mechanism is what helps pave the surface with fresh ice, and shoves up the mountain ranges. One scientist described Pluto as a giant, cosmic lava lamp. Pluto Above the Surface Like most other planets (except Mercury) Pluto has an atmosphere. Its not a very thick one, but the New Horizons spacecraft could definitely detect it.  Mission data show that the atmosphere, which is mostly nitrogen, is replenished as nitrogen gas escapes from the planet. Theres also evidence that material escaping from Pluto manages to land on Charon and collect around its polar cap. Over time, that material is darkened by solar ultraviolet light, too.   Plutos Family Along with Charon, Pluto sports a retinue of tiny moons called Styx, Nix, Kerberos, and Hydra. Theyre oddly shaped and appear to be captured by Pluto after a gigantic collision in the distant past. In keeping with naming conventions used by astronomers, the moons are named from creatures associated with the god of the underworld, Pluto.  Styx is the river that dead souls  cross to get to Hades. Nix is the Greek goddess of darkness, while Hydra was a many-headed serpent. Kerberos is an alternate spelling for Cerberus, the so-called hound of Hades who guarded the gates to the underworld in mythology. Whats Next for Pluto Exploration? There are no further missions being built to go to Pluto. There are plans on the drawing board for one or more that could go out this distant outpost in the solar systems Kuiper Belt and possibly even land there.