Indian Money Market - 1061 Words

Indian money market The India money market is a monetary system that involves the lending and borrowing of short-term funds. India money market has seen exponential growth just after the globalization initiative in 1992. It has been observed that financial institutions do employ money market instruments for financing short-term monetary requirements of various sectors such as agriculture, finance and manufacturing. The performance of the India money market has been outstanding in the past 20 years. Money market refers to the market where money and highly liquid marketable securities are bought and sold having a maturity period of one or less than one year. It is not a place like the stock market but an activity conducted by telephone.†¦show more content†¦7. Limited Instruments: It is in fact a defect of the Indian money market. In our money market the supply of various instruments such as the Treasury Bills, Commercial Bills, Certificate of Deposits, Commercial Papers, etc. is very limited. In order to meet the varied requirements of borrowers and lenders, It is necessary to develop numerous instruments. Challenges faced by Indian money market Though the Indian money market is considered as the advanced money market among developing countries, it still suffers from many drawbacks or challenges. These defects limit the efficiency of our market. Some of the important challenges of Indian Money Market are:- 1. Absence of Integration: The Indian money market is broadly divided into the Organized and Unorganized Sectors. The former comprises the legal financial institutions backed by the RBI. The unorganized statement of it includes various institutions such as indigenous bankers, village money lenders, traders, etc. There is lack of proper integration between these two segments. 2. Multiple rate of interest: In the Indian money market, especially the banks, there exists too many rates of interests. These rates vary for lending, borrowing, government activities, etc. Many rates of interests create confusion among the investors. 3. Insufficient Funds or Resources: The Indian economy with its seasonal structure faces frequent shortage of financial recourse. Lower income, lower savings, andShow MoreRelatedIndian Money Market It’s Trend Analysis14634 Words   |  59 Pageson â€Å"Indian Money Market It’s Trend Analysis† Acknowledgement †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦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 Abstract ..................................†¦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 Objective †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦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 Methodology†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦6 Understanding Money Market†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦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 Money Market Instruments Government securities.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦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 Liquidity Adjustment Facility†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦11 T-Bills †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦13 Government Dated Securities†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦21 Call and Notice Money Market†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦23Read MoreEssay On Money Market1230 Words   |  5 PagesEmerging Economies Selected: India and China Money Market 1. India It is a market where short-term funds with maturity ranging from overnight to one year in India which are close substitutes of money even the financial instruments. It had diversified from conventional platform of treasury bills and call money to commercial paper, certificates of deposit, repos, forward rate agreements and most recently interest rate swaps. â€Å"The money market fulfils the borrowing and investment requirements of providersRead MoreChallenges of Money Market Mkt in India3035 Words   |  13 PagesIntroduction The India money market is a monetary system that involves the lending and borrowing of short-term funds. India money market has seen exponential growth just after the globalization initiative in 1991. It has been observed that financial institutions do employ money market instruments for financing short-term monetary requirements of various sectors such as agriculture, finance and manufacturing. The performance of the India money market has been outstanding in the past 20 years. TheRead MoreCall Money Market in India2283 Words   |  10 PagesA Financial Market can be defined as the market in which financial assets are created or transferred. As against a real transaction that involves exchange of money for real goods or services, a financial transaction involves creation or transfer of a financial asset. Financial Assets or Financial Instruments represents a claim to the payment of a sum of money sometime in the future and /or periodic payment in the form of interest or dividend. The primary function of a financial market is to facilitateRead MoreChanges in Indain Financial System Since 19914892 Words   |  20 Pages2011 CHANGES IN INDIAN FINANCIAL SYSTEM SINCE 1991 SUPPLEMENTARY PROJECT REPORT IFS IILM INSTITITE OF HIGHER EDUCATION LODHI ROAD HARJAS MANRAL PG20101087 INTRODUCTION As the economy grows and becomes more sophisticated, the banking sector has to develop parallely in a manner that it supports and stimulates such growth. With increasing global integration, the Indian banking system and financial system has as a whole had to be strengthened so as to be able to compete. India has had around twoRead MoreAn Overview of Indian Financial System2119 Words   |  9 PagesAn Overview of Indian Financial System Financial System of any country consists of financial markets, financial intermediation and financial instruments or financial products. This paper discusses the meaning of finance and Indian Financial System and focus on the financial markets, financial intermediaries and financial instruments. The brief review on various money market instruments are also covered in this study. The term finance in our simple understanding it is perceived as equivalentRead MoreInternational Impact Of The Lehman Brothers Bankruptcy1856 Words   |  8 Pagesdepression, capital shortages, and even the horrendous world wars. However, the one event that brought the firm to the ground - causing it to file for bankruptcy – was the collapse of the US housing market (Case Study). The collapse of the Lehman Brothers sent shockwaves in the US stock and global stock markets as well. During this period, investors across the world expected the US Government to intervene in order to stop the firm from collapsing, just like how that had intervened previously in the caseRead MoreImpact of Financial Regulations3015 Words   |  12 Pagessocially-optimal levels of capital, synchronized with government development planes, and to provide finance for government budget deficits through domestic financial markets (Alam,1989;Amsden,1989; Bradford,1986,1987;Cho and Kin 1991; johnson,1985; and Lee,1992).The financial regulations were designed and implemented to restrain market forces in the allocation of resources , to encourage economic growth ,ensure financial stability and achieve other national goals. Researchers (Romer, 1986; Eckaus,Read MoreAncillary Services12738 Words   |  51 PagesFacility and Access to Safe Deposit Lockers / Return of Safe Custody Articles by banks B. Remittance facilities for Non-Resident Indians / Persons of Indian Origin / Foreign Nationals C. Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-Resident (NRO) and NonResident (External) (NRE) Accounts D. Forex Facilities for Residents (Individuals) E. Electronic Money The required information is largely sourced from the public domain of Reserve Bank of India websitewww.rbi.org.in BackgroundRead MoreManagement Control System of a Bank2118 Words   |  9 Pagesbusiness environment that could significantly affect the attainment of management goals. The top management should analyze the reasons for significant changes in the variables on a continuous basis. Some examples of variables include profitability, market position, productivity and employee attitude. Now, a key variable is a broader term in terms of the indicators of any significant business activity. Any change in its value is expected to have an impact on the performance of the organization. It

Nutrition study worksheet Free Essays

The topic I chose was eggs. The article (Marcela, 2011)feels organic eggs don’t cause heart disease. The hens are feed vegetables and no vaccines or hormones that have made the eggs unhealthy. We will write a custom essay sample on Nutrition study worksheet or any similar topic only for you Order Now For Example: The hens are able to run free without being in a tight space with the other hens. Another example: Claims are made when you cook eggs the protein in the egg helps to lower your blood pressure instead of raising it. Organic eggs are one of the best foods a person can eat to stay lately (Marcela, 2011). 2. What health claims are stated in the articles, such as drinking coffee every day will lower one’s risk for cancer? The health claims in article is Organic eggs are suppose to have less cholesterol, h less saturated fat 2/3 more vitamin A,E and seven times more carotene (Marcela, 2011). They are a good source of nutrients. The other article say eaten eggs will not extended your life on earth it will decrease it (Greer, 2011). 3. Do any of the articles’ claims seem too good to be true? Does it seem that the authors are seeking personal gain in any way? Explain your answers. The article that seems too good to be true is the article on another reason to ignore warnings about eggs. I believe this person who wrote the article eats eggs and don’t want to really believe the risk involved with eating eggs at all. I also believe the person who wrote the article may benefit from stating these claims. The article I feel seem to be true is (Greer, 2011)article on bad eggs. I do also believe the person who wrote this article is a vegan who doesn’t like any type of eggs or dairy products and is against hens living together in such a small place. I also believe he may feel they all come from the same place. I feel it may be true because I do believe your cholesterol levels will go up high no matter what eggs you eat. I believe eggs could have salmonella poisoning in it and kill a lot of people as well as have people develop diabetes from eating eggs everyday. I don’t believe they are a good source of proteins at all. . What are the respective sources of these articles (testimonials, peer-reviewed study)? Studies was done and 77% of women and 58% men eating one egg a day increase their chances of developing type 2 diabetes including premature death and earth failure (Greer, 2011) Studies also show eggs has nothing to do with raising a person’s cholesterol levels even thou egg yolks will raise your cholesterol levels. They are also a ri ch source of antioxidants which helps to prevent blindness (Marcela, 2011). 5. 6. Is the information presented in each article new or has it been studied extensively over time, achieving the same results? Both articles have been studied overtime achieving the same results this moment but both have different opinions on eggs. Department of agriculture there was a 2009 study done on eggs and how they are a DOD source of vocative peptides. In 2005 research showed how people eating eggs everyday did not increase their risk of having a heart attack and their cholesterol level did not increase. . Now that you have gone through the details of each article, do you have any reservations about the information in either one? If so, explain why. Has the process of analyzing the two articles changed your opinion on the topic? Explain your answer. Yes after analyzing the articles my opinion on eggs is very different. I use to think eggs were good for you. I am now convinced no eggs are good for you at all to eat. Your chances of living longer on earth can be shortened. I believe I was blinded by the commercials all my life on how eggs are nutritious for you but if you look at it they always say fresh eggs not healthy on commercials. How to cite Nutrition study worksheet, Papers

Old Goriot Honore de Balzac free essay sample

This aim has, on the whole, been consistently pursued in both divisions of French fiction, the idealistic and the realistic novels. Works of these two types appear, judging from their names, to move in different planes. But the connection of both kinds with life has been fairly close, and, in the seventeenth century, discussion of popular romances was so much the preoccupation of social circles such as the Hotel de Rambouillet, that not only did the novelist try to portray characters he saw, but the leisure classes often sought to model their life after the pattern of the fiction they read. At the threshold of the seventeenth century we come upon one of the most important novels ever written in France because of its influence, even if to-day unread except by specialists, the great pastoral romance â€Å"Astree. † Though the scenes of the story take place in a world impossible and unreal by its anachronisms, and though the characters are as untrue as can be to the civilization of the Gaul in which they are supposed to live, nevertheless the author, Honore d’Urfe, would have us see in his creations human beings, perhaps in some cases to be identified by a key. Their language, highflown and sentimental though it be, fulfills the author’s desire to analyze feelings. So the shepherds and the shepherdesses, the knights and the nymphs of the story, discuss love in all its actions and reactions, and try to define the various kinds of love, faithful, fickle, or Platonic. â€Å"My shepherdesses are not needy ones who have to earn a living,† D’Urfe admitted. But he supposed, at least, that their sentimental experiences were those of human beings. The same purpose may safely be attributed to the successors of D’Urfe down to the middle of the seventeenth century and to the novels of Mlle. e Scudery. In their stories of fantastic experience and of Romanesque incident, or of romantic adventure in distant lands, the authors would have us believe in the verisimilitude, if not in the truth of the characters they describe. So the novels of Mlle. de Scudery, though they are supposed to take place in the days of the great Cyrus or of early Rome, are nevertheless intended to be read in the light of history contemporaneous with the author. If this statement be true of the professionally idealistic romance, it is the more so of the realistic novel. The â€Å"Roman bourgeois† of Furetiere and the â€Å"Roman comique† of Scarron are most useful documents for the knowledge of life in the seventeenth century and the character of individual people. We come to the same conclusion about Madame de la Fayette’s â€Å"Princesse de Cleves,† which, as a reaction against the long romance of fantasy and chivalry, has been called the â€Å"first modern French novel. † Certainly no better example of the literary spirit of its period could be found. Brief and to the point in its descriptions, it is the psychological analysis of a woman’s heart written by a woman, and is no less truthful than the great tragedies of Racine. The eighteenth century was, on the whole, very matter of fact. It was an age of rationalism and of science. Consequently its novels have much the same quality. A satirical writer like Voltaire permits himself whimsical unrealities in his stories, but most writers pose as truthful chroniclers. Lesage’s picaresque novel â€Å"Gil Blas,† Marivaux’s â€Å"Marianne,† and the Abbe Prevost’s â€Å"Manon Lescaut† seek to impart the effect of reality. Even Rousseau’s emotional â€Å"Julie† would fain be a painstaking and accurate picture of human nature. Rousseau is looked upon as the source of the romantic school which, after his death, occupied so important a place in the literary history of the earlier nineteenth century. This school consciously reacted against what it considered the cut-and-dried rationalism of the hitherto reigning literature, and advocated the cult of feeling and a return to nature. This nature included the outer world of mountains and rivers, and intellectual descendants of Rousseau such as Bernardin de Saint-Pierre, author of â€Å"Paul and Virginia,† and Chateaubriand run riot amid the flora and fauna of exotic landscapes. But, strange as it sometimes seems now, the romanticists thought themselves better portrayers of human nature than their opponents had been. It is true that to us the fiction of the romantic age is apt to appear a chaos of imaginative weavings. But if we eliminate the vagaries of which has been called the â€Å"lower romanticism,† with its fantastic and melodramatic incidents often foreign in origin, if we omit also the exuberance of Dumas, we find that the French romantic novelist was usually intent on portraying human nature, just as the classicist before him. We are prone to call the heroes of romanticism a motley herd of eccentrics. The romanticist said that life consists of varied experiences, that souls are multiform, and that the drab monotony of classicism portrays only commonplaces which do not make up the whole of life. In such a novel as Victor Hugo’s â€Å"Notre Dame† we have a characteristic example of romantic fiction. Here the author has sought to reconstruct the Paris of the late Middle Ages, though modern scientific objective historians may say he has not succeeded; he has tried to people this city of his imaginative reconstruction with varied characters, each one intended to show more individuality and more vigor than the anaemic kings and heroes of late neo-classic tragedy. Something new and different was always the aim, because life and character are protean. But so it also comes about that this novel, engrossing as it may be to the reader, seems a gallery of curiosities more than a collection of human beings. Victor Hugo would not have understood that his novels might, after his time, derive their chief interest less from this portrayal of character than from their incidents, and particularly from their tearful emotionalism and the vague humanitarianism which is in the spirit of modern democracy. Of George Sand we are less justified in saying that she tries to copy life exactly. The object of art, she says in the first chapter of â€Å"La Mare au Diable,† is to make us love the objects of its interest and it need not be blamed if it occasionally flatters. Art is not a study of positive reality; it is a quest for ideal truth, and the Vicar of Wakefield was a more useful and a healthier book than the Paysan perverti and the Liaisons dangereuses. † In some of her novels she tries to reconstruct social Utopias and indulges in a semirhapsodic mysticism, in others like the â€Å"Marquis de Villemer† she at least means to portray life. But in stories like â€Å"La Mare au Di able† and â€Å"La Petite Fadette† she frankly idealizes the existence of the peasants in her native Berry and composes pretty prose pastorals with an individuality of charm that we do not find elsewhere. The effect of a novel by Balzac is totally different from that of one by Hugo. Yet Balzac, the realist, like Hugo, the romanticist, is trying to portray human nature. But though Balzac had passed through a brief romantic discipleship in youth, his great literary production belongs to a very different school. Instead of seeking exceptional heroes, apt therefore to appear morbid eccentrics, instead of making these characters vehicles for the author’s moralizings and his views on civilization, Balzac aimed at the close and painstaking study of the men and women of his time. His plan of composition illustrates his careful method. No longer handling his pen, as Hugo did, like a broad brush, Balzac corrected and recorrected his work in proof until the original text was unrecognizable in its final form. Balzac’s men and women are, in their way, as individual as any character of romanticism. Nobody is likely to forget old man Goriot, or the miser Grandet, or to confuse them with other characters in fiction. But Balzac, if we neglect the epic sweep of his constructive imagination in devising and harmonizing the multitudinous characters of his â€Å"Comedie humaine,† helped to initiate the new realistic school which succeeded romanticism. This was the method of the photograph or of the daguerreotype, the close reproduction of details of life and manners. Consequently, the novels of Balzac are most valuable documents for the study of the period they chiefly describe, the reign of Louis Philippe, when the moneyed bourgeoisie or middle-class was in control, and when material interests were much more prevalent than one would infer from reading the romanticists alone. Balzac’s stories are apt to deal with the selfish and sordid side of life, but that results rather from the social conditions of the time or from the bias of his mind than from the inherent demands of his method. The perfection of realism is to be found in Gustave Flaubert, in a such a book as â€Å"Madame Bovary. † There the accurate portrayal is faithfully carried out, and the men and women of the Norman province whom he seeks to describe are not only photographic in their exactness but live by the touch of genius. Realism might appear in theory the perfect literary method in fiction, if verisimilitude be accepted as the author’s goal. Yet the personal bias of the writer may, no less than in romanticism, make the novel deviate from the truth of life through the cult of the exceptional. Much of the moral disapprobation which has been expressed for the modern French novel during the past generation is based on dislike for the â€Å"naturalism† of authors like the Goncourt brothers and Emile Zola. The naturalists delighted in description of vice and disease, the dramshop, the hospital and the brothel. That such a literary treatment of life does not necessarily belong to realism can be seen in the works of Alphonse Daudet and in some of those of Guy de Maupassant. Both of them wrote novels, but some of the best work of both, certainly of Maupassant, was done in the short story, or nouvelle. Alphonse Daudet has often been called the â€Å"French Dickens,† and his realism has much that is akin to that of the English writer. His characters stand out as individualities to be remembered, they have their little peculiarities and idiosyncrasies, and his narrative is interwoven with constant sentimental and pathetic incidents to touch the reader’s feelings. Moreover, as in â€Å"Le Petit Chose,† like Dickens in â€Å"David Copperfield,† he writes from the full memory of his own youthful hardships. In his short stories he has composed little masterpieces of grace and tenderness, as well as often of brisk wit and good-humored satire. Guy de Maupassant was the literary disciple of Flaubert, consequently a more objective realist than Daudet. Some of his writings unfortunately astound by the crudeness and brutality of the narrative and descriptions, but yet when he wishes, no author in French literature portrays more faithfully and more unerringly. Thus it may be inferred that the great masters of French literature have generally aimed to copy life. This does not imply that the fanciful and the whimsical have been banished—Alfred de Musset’s â€Å"White Blackbird† is a proof of the contrary. But the romantic tendency, however popular, has been less genuinely French in its sources and influence, and the various complicated schools of art for art’s sake have almost always had a transient rather than a permanent effect. But the great writers of realism have been masters in creating children of the brain whose actions and characters we may discuss almost with the vivid interest we feel for men and women of history. C. H. C. W.   was born at Tours on May 20, 1799. His father, Bernard Francois Balssa, who adopted the form of the family name made familiar by the novelist, came of peasant stock from the south of France. Honore went to school at Vendome, Tours, and Paris, later proceeding to study law, and spending three years in a solicitor’s office. But when his father wished him to devote himself definitely to the practice of law he revolted, and at the age of twenty-one took up with determination the profession of letters. For five years he lived in very straitened circumstances, producing unsuccessful dramas and a large number of equally unsuccessful novels, chiefly after the pattern of the English â€Å"School of Terror. † The prospect of making a living by his pen remaining dark, he went into business in 1825 as a publisher, printer, and type-founder; but all he seems to have gained from this enterprise was a large debt, which burdened him ever after, some experience of life, and a knowledge of the details of business, of which he availed himself in his later writings.

Reimbursement Methodologies free essay sample

The Blue Cross plan has been evolving since 1929 and the Blue Shield since 1939. 3. Explain why the lack of universal health care coverage can raise health care costs. Many studies have show that people without health insurance do not get the health care they need. The sicker they become, the more tests, surgeries, and other health care services they need. This scenario increases costs to the health care industry. If public health is improved, then the population becomes healthier and health care costs should decrease. A good initiative to move toward a healthy population is the Healthy People 2010 program. 1. You work in the hospital’s health information management department. Part of your job is to assist the medical residents with completing records documentation. One of the residents complains that he doesn’t understand why insurance companies need so much documentation and the reimbursement system is so complex. How do you respond. In order to serve the patient and help to provide quality care, it is important to have a complete and accurate medical record. We will write a custom essay sample on Reimbursement Methodologies or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Keeping records complete and accurate will help in figuring out reimbursement costs and discovering what costs are covered. It is also very important to keep track of all services and supplies so that the hospital can be reimbursed. 2. Mary was receiving Medicaid in Texas. When she moves to California, can Mary assume that she’ll receive the same coverage there? Medicaid policies on eligibility services and payments are complex and very considerably from state to state. Thus, Mary may not be eligible in California even though she was in Texas. 3. Compare point-of-service (POS) plans with health maintenance organization(HMO) plans. In an HMO plan, the insured must choose a primary care physician and then must obtain a referral to seek care from a specialty physician. In a POS plan the insured chooses a primary care physician but still has the option of receiving care from other physicians without the need for a referral. POS combines the features with thos of the PPO. 4. You’re an inpatient coder in a hospital. You’ve just coded a Medicare Part A record with a diagnosis-related group (DRG) reimbursement of $12,000. You notice in the hospital’s computer billing system that the patient’s charges are $19,500. That’s $7,500 more than the hospital will be reimbursed. How does the difference between the charges and the DRG reimbursement become resolved? In some cases, the DRG payment received by the hospital may be lower than the actual cost of providing Medicare Part A inpatient services. In these cases, the hospital must absorb the loss. 5. You work in a physician’s office performing billing. You notice that guidelines haven’t been followed accurately in completing the claim form. What will happen if you don’t correct the claim form? It is important to follow payer guidelines when completing a claim form; otherwise, reimbursement will be delayed until the form is corrected. 6. Why did the Centers for Medicare and Medicaid Services (CMS) implement the National Correct Coding Initiative in 1996? CMS implemented the National Correct Coding Initiative (NCCI) in 1996 to develop correct coding methodologies to improve the appropriate payment of Medicare Part B claims. 7. List some of the risk areas that can be identified through the auditing process. Some of the risk areas found through the auditing process are, DRG coding accuracy, variations in case mix, discharge status (transfers versus discharges), services provided under arrangement, medical necessity, evaluation and management services, charge master description and three day payment window are a few. . You’re an HMO director. You would like to ensure that your managed care plan is meeting industry standards. What’s one way that you can do this? One way to ensure a managed care plan is meeting industry standards is to involve HEDIS (Health Plan Employer Data and Information Set) through the National Committee for Quality Assurance. 9. You work for a third-party payer performing medical records review. Your j ob is to match codes that were submitted on the claim to documentation in the medical record.

A - H Glossary of College Terms

A - H Glossary of College Terms By term: A - H | I - R | S - Z College Terms: A - H Academic Probation: If your grades fall below a certain level, your campus may place you on academic probation. This traditionally means that you need to raise your GPA or face the possibility of being removed from your school for academic reasons. Adjunct Professor: A professor who is usually part-time or not on campus with a long-term contract (and, consequently, not eligible for tenure). Alumna: Female graduate or former student. Alumnae: Female graduates or former students. Alumni: Male graduates or both male and female graduates. Alumnus: Male graduate or former student. Area Coordinator (AC): This person usually oversees an area of your residence hall, or an area of your campus. They have more responsibility, and may sometimes supervise, Resident Advisers (RAs). Area Director (AD): This is usually just another title for an Area Coordinator (AC). Board of Directors/Board of Trustees: Most colleges have a board that oversees all parts of the campus. Traditionally, the board hire s (and possibly fires) a president; manages the college or university’s finances; and is responsible for all major policy decisions. Many college and university boards comprise alumni, faculty, staff, community leaders, and (sometimes) students. Board of Regents: Similar to how a Board of Trustees oversees a single college or university, a Board of Regents traditionally oversees a state system of public colleges or universities. College: In contrast to a university, a college traditionally only offers undergraduate degrees and programs. (There are, of course, some exceptions to this definition.) Commencement: Usually another name for graduation. Convocation: On some campuses, each year starts with a convocation ceremony where the new class is officially welcomed and the academic year formally begins. Dean: A Dean is someone traditionally in charge of a major area of a college. For example, there may be a Dean of Students, a Dean of the Faculty, and a Dean of Arts Sciences. Discipline: On a college campus, a discipline is often synonymous with a major. It usually refers to a field of study. (Of course, if you are charged with violating campus or community rules, you may be required to have a disciplinary hearing†¦and t hat definition is more traditional!) Discourse: A conversation, exchange of words, or dialogue, usually incorporating a wide range of views and opinions. Faculty: The faculty, or a faculty member, is generally anyone who teaches at the college. FAFSA: The Free Application for Federal Student Aid. This form is required for any student who wants to be considered for federal aid of any kind. Make sure you get your form in by the deadline! Fees: Fees can be charged for anything from seeing a doctor in the campus health center to returning your library books late. Additionally, you may see something listed as student fees, which cover some student services that the school provides and/or may be the basis for the student government budget. Financial Aid: Anything related to the way you are paying for school. Loans, scholarships, grants, work awards, and any other resource you use are all considered part of your financial aid. Graduate Assistant/Graduate Adviser (GA): A GA is often the same thing as a Graduate Student Instruc tor (GSI). Graduate Instructor (GI): A GI is often the same thing as a Graduate Student Instructor (GSI). Graduate Student Instructor (GSI): A GSI is often a graduate student who helps out in your classes. They made grade papers, lead seminar discussions, and sometimes teach classes. Grants: Similar to scholarships in that you dont need to pay them back. Some grants may be connected to your course of study or allow you to do research while still having your financial needs taken care of. (For example, you may earn a grant to cover your room and board while you do summer research with a professor.) Hall Coordinator (HC): A hall coordinator is typically in charge of your entire hall and oversees Resident Advisers (RAs). Hall Council (HC): A Hall Council is a small governing body that serves as a student voice and helps make decisions and plan programs for your hall community; frequently the same thing as a Residence Council. Hall Director (HD): Hall Directors are often the same things as Hall Co ordinators (HCs).

How to Write Content Both Humans and Search Engines Love

How to Write Content Both Humans and Search Engines Love I’m a big fan of Google. That means that every single word that I write has the â€Å"mumbo jumbo† that appeals to search engines. In other words, each post that I write has at least some sort of keyword analysis to it. For example, this post itself is based around keywords like how to write for search engines and content writing. But, that’s not all. I’ll let you in on a little secret. I’m a fan of writing for humans too. Why? Because even if you get ranked at the top, at the end of the day, Google doesn’t pay you, nor do they subscribe to your website. Humans do. That being said, it is an age long debate between SEOs  who you should really write for: search engines, or humans? Well, today, I’m going to show you how you can actually do both. In this post, I’ll share with you a little about the history behind the conflict between search engines and humans, why there has been so much debate going on around it. I will also go super in depth into how, by the end of reading this post, you can have a good idea of how to write content that both search engines and humans love. Let’s begin! Download Your Free SEO Content Template and Guide Bundle Creating the best content possible that achieves high search engine rankings and inspires readers to click isnt easy. That is, of course, unless you have these 12 free downloadable resources. Apply the advice youll get in this post with these free templates and guides: On-Page SEO Checklist SEO Content Strategy Guide Latent Semantic Indexing Infographic Best Time to Publish Blog Posts Guide Keyword Research Template SEO Rank Tracking Template Blog Post Outline Template Blog Post Writing Checklist Catchy Blog Title Infographic How to Write a Blog Post Template Emotional Power Words Tear Sheet Content Calendar Excel Template How This Post is Written I was originally going to write this post in the manner of a listicle, when I decided that â€Å"’s readers don’t need this! They don’t need another list telling them what to do!† And that’s true. The Internet’s already full of this stuff. That got me the idea of writing this post to be as actionable as possible. At every step of the way, I will be listing down particular steps that you can take, and apply immediately to your own blog. Recommended Reading: How to Boost Traffic With 34 Important SEO Tips You Need to Know (+ Free Kit) The Ultimate Blog Writing Process to Create Killer Posts How to Make an SEO Content Strategy That Will Improve Your #1-3 Results By 248% The Test Bed In order for us to understand this post in detail, we’ll have to use a standard post for our study. In this case, we’ll be using my post on LinkedIn profiles: The Debate Between Search Engines and Humans If you want to understand the debate between Search Engines and Humans, first you’ll have to understand how different these two beings analyze the same chunk of text. For this case study, let’s use the best search engine word reader that every WordPress owner knows and love: the YOAST analyser. Should you write for search engines, or for humans? The answer: both.Your SEO Best Friend, The YOAST Analyzer The Yoast Analyzer is a plugin  that you can install easily from the WordPress Repository, and is totally free (though it comes with paid upgrades that you really don’t need). Downloading Yoast Installing Yoast is pretty straightforward. First, you’d want to go to Plugins on your WordPress Dashboard. Click on it. Then, click on Add new on the top left-hand corner. Next, on the left-hand corner of the screen, you should see a box that looks like this: Type in Yoast, and you should see the following option at the bottom: Click on the blue install button (my button says active because it has already been installed). Accessing Yoast To access the Yoast analyser, simply click on Posts on the left hand side of your WordPress Dashboard: Next, choose a post that you’re working on: Then, inside the Edit Post section, scroll down to the bottom, and you’ll see the Yoast Plugin. The Yoast Analyzer displays key SEO information on your post that looks something like this: Here’s what the colors mean: Orange: Meh†¦Your content is good...but not that good Green: Yay! Red: Change it. NOW. Here's how to make the most out of @yoast for your #WordPress blogAnalyzing your Content for Search Engine-Friendliness The first thing we have to understand in order to create search engine friendly words, is to understand that how Yoast breaks down your post. In this section, you will learn all about the different ranking points that Yoast identifies after years of being in the industry as the top plugin for SEO. Step 1: Enter Your Focus Keyword The focus keyword is what the Yoast plugin operates around with. It’s this section that helps Yoast to analyze your post, and give you all the useful information that you saw in the screenshot above. Naturally, it’s also the first step that you should take when you use this plugin to analyze your text for search engine friendliness. Now, you try it: Select a keyword that you want to rank for, depending on the topic that you’ve earlier decided. For example, in the case of my LinkedIn profile post, I naturally chose to rank for the keywords Linkedin profile. If you’re just starting with writing a blog, you might want to consider using long tail keywords (3 or more words as your focus keyword), but for the sake of this tutorial, we will just keep things basic. Once you’ve decided on the keyword that you want to rank for, input your keyword into the focus keyword section, and wait, as YOAST analyses your text, and churns out your report. Step 2: Keep Your Slug Short and to the Point Simply speaking, the slug is simply the end phrase that your post URL ends with. For example, this is the slug of my LinkedIn article: Take note that the slug cannot contain stop words, which we will cover in Step 3. Take note that the slug should be short, concise, and should not contain irrelevant information in regards to your keyword. If you’re wondering what irrelevant information looks like, it might include the following: The date of your post The category of your blog The time that you posted One general rule of thumb that you can steal from me is to simply use the objective of your article and effect that it brings for the user. For the sake of helping you to understand what objective and effect is, here’s a deeper explanation: Objective: What is the purpose of the article? What is the article based around? Effect: What end goal or effect does it bring the user? What benefits can the user expect out of the article? The first step is to go your headline, and identify what your objective and effect is. For example, going back to my LinkedIn article, my post title looks like this: As you can see, I’ve identified the objectives and the effect of the LinkedIn post, which then gives me a starting point for my slug. In this case, my objectives and effect look something like this: Objective: LinkedIn profiles. Obviously, since the entire article is dedicated to talking about LinkedIn profiles, this part is a no-brainer. Effect: Simple steps. It’s a list of simple things that readers can do to get their desired effect. Converts. What’s the point of writing up a LinkedIn profile if it doesn’t convert? This is a sure winner. When you piece together the Effect and Objective of your title, it becomes super easy for you to come up with a decent slug. Here are some examples that I came up with for my post: Powerful-linkedin-profile Highly-converting-linkedin-profile Simple-steps-linkedin-profile-converts As you can see, I chose the first one, because I felt that it was more direct, to the point, and more importantly, search engine friendly for that particular keyword. Now that you understand what a slug is, it's time to understand what stop words are. Quick #SEO tip: make your slugs search engine-friendly.Step 3: Inbound and Outbound links Links are at the heart of the internet. They help search engines understand website, and they also help humans to better reach and access information. In other words, every time you create a blog post, be sure to do your linking correctly, if you want both search engines and humans to love it. Links consists of two types: inbound and outbound. Inbound Links Inbound links are links that pointing internally within your site, and are also known as internal links. In other words, these are links that you point out to the other pages in your website. For example, if I were to do a post on content marketing, and the work that I have done as a Content Marketing Consultant, I could include a simple line in my post that says â€Å"after being in the Content Marketing field for 6 years...† I could then point a link from the sentence to a page where I talk more about my Consulting career, and how I can help my clients. Internal links help search engines to better understand where all the information is connected together, and how your site functions. This means that from a technical standpoint, it’s a bonus for the search engines, because they don’t have to run into walls every time they crawl your site. Also, internal links help your audience to stay on your site longer, because you are hopefully pointing them elsewhere with relevant information, which then helps them to understand what you do, and what your site is about. Needless to say, your bounce rate (the percentage of people who leave your site without any engagement with it) decreases because your visitors are now staying longer on your site, because they're more engaged with your content. For example, at Contentrific, I found that by increasing the number of internal links to my site by five, I found out that my bounce rate actually decreased by roughly 7%, which is not too bad for a start. How can adding internal links help decrease bounce rates?Outbound Links On the other hand, external links are links that are actually pointing out from your site. In other words, they are links that point search engines from your site to other websites. To really understand external links, it's best to use an example. Imagine that you have a new shoe company in town. You’re trying to tell the town hall to put up advertisements on their noticeboards, so that you can advertise your town. But imagine the town hall doesn’t really understand what you’re saying. â€Å"Is it an apparel shop?† â€Å"Do you sell food there?† Frustrated, you come up with a brilliant reference for them: â€Å"My shop is like a Nike of this town.† Now imagine the collective sigh that the town office gives you, when they finally understand it. If you haven’t guessed it yet, the town hall was Google in my example, and your shop was your website. By externally linking out to other authority sites like Nike (assuming your site sells shoes and sports apparel), it helps search engines like Google to better understand your site by referring your content and pointing them towards authority sites that have already been ranked highly. For example, if I were to do a post on content marketing, I’d make it a point to link out to other   learning resources on authoritative sites like Content Marketing Institute, Copyblogger, and any other sites that have been around for awhile. Think of Google as a learning baby,  and your objective is to teach this baby how to associate red with danger, green with go, and so on. Although it might not seem like a lot, these changes do contribute to an increased ranking when it all adds up. Don't worry that you might be pointing to your competitors, because in due time, you'll just rub the authority that they have, establishing yourself as the main voice in your industry as well. Step 4: Length of Text The length of your blog post plays a significant role in getting your posts to rank. Long-form blog posts are also increasingly becoming the most popular form of content of choice, because of the changes in Google’s algorithm in the recent years. So what exactly is long-form content? To put it simply, you can assume that you’re writing long form content when your blog posts go beyond 1,500 words. You’re writing long form content when your blog posts go beyond 1,500 wordsMy personal recommendation is to write content that goes above 2,500 words, since it has been proven extensively that this form of content is the ideal type of content that gets the most number of social shares and engagements  (assuming you don't have time to write mega posts of 8,000 words like I do). At every step of the way, you want to make sure that the content that you put out is not just there so that you can hit the word count, but actively works to elaborate and reinforce your main point. For example, if you're writing a post on LinkedIn profiles, you'd want to write extensively on the different aspects of a LinkedIn profile, instead of just the usual â€Å"create an account on LinkedIn and start filling it up†. A good start point for elaborating on your main topic is to find related topics and subtopics to write about. The key point is to fill up the meat of your content, so that it becomes an impressive hamburger that your readers will boast about to their friends. Step 5: Keyword Density Keyword density is simply technical jargon which basically means the number of times that particular Focus keyword appears in your content. For example, if my focus keyword is "linkedin profile," then the measure of my keyword density is the number of times the words â€Å"linkedin profile† appears in my entire blog post. In general, it is best to come up with keyword density of more than 1.5%; if you can't go higher than 2%, it would be best. Take note, however, that over-stuffing your posts with keywords is a bad thing. This gives a negative signal to Google that you're trying to flood your blog post with the key word, in an attempt to rank for it, instead of really providing information that shows value to the reader. Recommended Reading: Your Ultimate Content Marketer's Guide to Keyword Research Step 6: SEO title Your SEO title is something that you want to pay particular attention to, mainly because your headline is a key make or break factor that determines whether or not a reader clicks through to your article. Now, this is where it gets a little bit tricky. It's tricky because marketers and bloggers like you have to come up with SEO titles that are both human friendly, which means it intrigues, persuades, and excites, but it also has to be easy enough for search engines to understand it at a glance. Fortunately, Yoast makes this extremely easy for us. Just follow the green button! Kidding. Recommended Reading: Here Are the 101 Catchy Blog Title Formulas That Will Boost Traffic By 438% Step 7: Length of Page Title The next step that we have to take is to make sure that your page title isn't too Long. It's important for you to pay close attention to the length of the page title, since you wouldn't want your title to cut off mid way like so: Step 8: Focus Keyword Appears in URL Next, you have to make sure that the focus keyword that you've selected earlier is included in the URL. In other words, make sure that your focus keyword is included your slug as we've mentioned in step 2. This might actually get a little confusing, since we just covered the topic of effect and objective, but if you get your objective right, it’s a piece of cake. For example, if I were to do a blog post about tennis balls, and the main objective is tennis balls, why wouldn’t you place the words tennis balls in your URL? Chances are, you would. Step 9: First Paragraph of Copy Search engines tend to prioritize the words that you place in front of your copy, as opposed to the words at the back. More specifically, by placing your focus keyword in the first paragraph of your content, you’re telling Google â€Å"Hey! This keyword has been repeated in the page title, the URL, as well as the first paragraph!† What does that tell you? It tells you that the keyword is something that Google should pay extra attention to. For example, if I were to do a post on blogging, but I only mention the keyword â€Å"blogging† at last paragraph of my blog post, how relevant do you think my article is? Well, search engines work in roughly the same way as well. Recommended Reading: How to Maximize Your On-Page SEO in 2017 With One Awesome Checklist Step 10: Meta Description Although the meta description has been widely debated by SEOs whether it is a ranking factor, it is generally agreed that they are relevant for driving human interaction with a site. This is because when a searcher searches for information about a particular topic or question on Google, the queries come back to him/her looking like this: The shaded portion is where the meta description is located. Can you see why it is still considered important, even though most SEOs think that it’s not considered a ranking factor? Think of your meta description as an elevator pitch of sorts. Its job is to condense the information in the post into either a question or a sentence, to attract the attention of the reader, and convince them to click  through. The important points that you must have in your meta description are: A value proposition of the article Clear, concise summary of the article Create points of intrigue about your article, so that the prospective reader is incentivised to click through Make sure that your keyword is also included in the Meta Description. You don’t need to place your keyword at the front of your Meta Description. Step 11: Single Instance of Keyword This might come as a shock to you, but when I first started out in SEO, I initially thought that the way to rank for keywords on Google was to create a ton of content around the same keyword! Boy, was I an idiot. But, now that I think about it, it makes perfect sense why I would think this way. It’s because most gurus online didn’t explain it clearly, or didn’t bother to explain it at all. When they say â€Å"create more content around your keyword†, it doesn’t mean create more content that are around the same keyword. Instead, what you should do is to create content around related keywords to your main keywords. Create content around related keywords to your main keywords.For example, in my LinkedIn profile writing article, my main keyword is obviously on LinkedIn profiles, but the topic is about LinkedIn in general. If I want to â€Å"create content around the same keyword,† what I should instead do is to find related keywords around the general topic â€Å"LinkedIn†, and find other keywords that are related to it. In this case, I can create come up with keywords such as: LinkedIn Publishing LinkedIn Sales Emails LInkedin Groups You get the point. When you create related content around a certain set of keywords (or keyword groups), you are in fact re-emphasising to search engine that your blog and website is about those particular group of keywords. Just don’t make the same mistake I did by using the same keyword over and over again- that’s suicide! Recommended Reading: How to Improve Your Keyword Research With Latent Semantic Indexing Before We Proceed to the Human Side ... Whew! We just covered what it takes to write for search engines. That’s a lot to digest (I know, my content gets comments like that all the time), but it’s information worthy to know. But, since this post is also about writing for humans, let’s cover that in the next section. What About Human Readers? Obviously, since this post is about search engines and human readers, we can’t continue without defining what human reading is. For those of you who are experienced bloggers (as I know you are, because you use :P), you’ll know that YOAST provides another section that helps you to analyse your post, and see if it scores well in the human’s eye too. This section is called the Readability Section. Again, access your Yoast Analyzer in your Edit Posts page, then click on Readability. You should see the Analyzer display a completely different set of information on your post. Again, the colors green, orange and red mean the same thing as I’ve mentioned above. Understanding the Different Factors that Make Up Human-Friendly Words In the next section of our post, we're going to take a look at the different factors that give us an understanding of how to write persuasively toward human readers. But before we proceed, let's take a look at the objectives of writing for humans: We want readers to subscribe We want to persuade readers to take a specific action Readers of our content have to be convinced that the content has value They have to find that the information on the blog post is easy to consume Now that we've defined the objectives of writing for humans, let's see what Yoast gives us. Step 1: Subheadings Do you like to read chunks of messages that are lumped together? I didn’t think so. That’s where subheadings come in handy. Subheadings are headings other than the H1 tag in your blog post: Generally, you’d want to make sure that you follow these steps when you write content on your blog: Have a subheading every 300 words Include your focus keyword in your subheadings - this keeps things on track for the reader too Include only 1 H1 in your content Step 2: Write Sentences No More Than 20 Words Long This should be a no-brainer too. Generally speaking, when you write sentences that are short and concise, it's easier to read your content. Step 3: The Reading Test Recently, I started seeing plenty of bloggers and writers trying too hard to write like the â€Å"big boys†, where they staff a ton of technical jargon and hard to understand sentences into their posts. While it's important to show that you know your stuff, it can hurt readability in the Long run, and lose you more readers than you would otherwise. For example, this post could have been explained using terms like canonical keywords, technical on-audits, and so on, but I deliberately chose to right in a simple way. But why? Shouldn't we write to impress? No. You should instead write to achieve your blogging goals, which most of the time means getting new subscribers to your website. Think about it this way. How are you supposed to convince new visitors on your site, sign up for your newsletter when they don't have a clue what you're talking about? For that reason, I always make it a point to  write in a way that even a high school kid will be able to understand. As a rule of thumb, you should always assume the majority of your readers are total beginners. In fact, Copyblogger did a case study, and they found out the number of beginners visiting their site was a staggering 80%, while advanced users were at 20%. How much traffic did you just lose? In fact, total beginners are the people who are trying to search for information the most, and the most desperate for a solution. If you can put across a concept or technique easily, in a way that is able to relate to that pain point, why won't they subscribe to you? Recommended Reading: How to Build New Marketing Skills in 11 Simple Steps (Backed By Science) Step 4: Paragraph Length With the attention span of a reader significantly reducing, it becomes harder and harder for marketers and content creators to maintain the level of attention to the words that we are saying. This means that any small mistake with the formatting of your content will turn off your readers, and significantly increase your bounce rate. And when it comes to keeping the attention of your readers, one of the most important aspects of overall readability of your content is the length of your paragraphs. Why is it so important to have paragraphs done right? Because the length of your paragraph creates an overall look and feel of your content. Which would you rather choose to read? Chances are, you’d choose the one on the right. Tip: For best results, keep your lengths to 20 words per sentence and no more than three sentences per paragraph. Step 5: Transition Words/Phrases Transition words are words that help to guide readers along your content. They make reading your content easier, in short. When you write blog posts, especially blog posts that are actionable in nature, you’d want to use words like these: Step 6: Passive Voice If you take away one piece of advice today from this post, and it'd be to  never write in a passive voice. I say this again. Never write in a passive voice. But, what exactly is passive voice? I'll give you an example. Say for example we are writing a simple sentence describing an elephant in a forest. Can you guess which voice is passive, and which is not? â€Å"The elephant went through the forest and came out a teddy bear† Versus: â€Å"An elephant is the best companion that you can have when you go to the forest, because it’ll become a teddy bear† The first one is the passive voice. Passive voice makes your content dull, monotonous, and irritating to read, because the reader is not a part of the action. For example, Ramit Sethi, one of the world’s top bloggers, uses a ton of active voice in his content. This keeps his content engaging, and is the main reason why readers read to the last sentence. Why should you never write in passive voice?Four Additional Tips So†¦ the key idea is to follow whatever Yoast tells us, and we’ll be alright, right? Well, not quite. You see, much as Yoast is a great plugin, it can only do so much by analyzing our text. The truth is, there are many other ways that you can improve your content, so that both search engines and your readers will love it. Since there are an endless number of ways that you can go about doing it (maybe I should come up with a blog post about it in the future), I’ll just list down four simple steps in this post that you can take additionally to improve your content.

Venture capital( Researching Contemporary Management Issues),business Essay

Venture capital( Researching Contemporary Management Issues),business - Essay Example The learning shows that near exists immense heterogeneity in finance specialism. Finance size, proxy for VCs' threat hatred, and proxies for the risk connected with the excess returns of the fund all have unenthusiastic effects on specialization. It mainly constitutes two events differentiating VCs’ focused aptitude from their universal talent. I locate that it is VCs’ particular talent that actually matters in shaping interest. There is also verification demonstrating a constructive connection connecting specialty and fund presentation. Additionally, particular ability and common ability are both absolutely interrelated to concert. The many of the researches do not advance inspect how particular VC finances are. Certainly, little study in business has tried to calculate the specialty patterns of VC funds by means of real asset data or to expand a prescribed replica elucidating the occupation choice of scheme capitalists. In this learning, it is demonstrated that a huge number of US project resources are not specific. There survive immense heterogeneity in finance area. Some are barely paying awareness, some are more comprehensive, and others are well expanding over dissimilar industries, phase, or geographic regions. Additionally, significant the area preferences of business enterprise capitalist can assist entrepreneurs aim the accurate finance while looking for VC funding. Introduction: â€Å"Venture capital is a huge amount of money provided by the investors to a company in exchange of equities or shares† (Venture Capital, 2011). Venture Capital is a form of "risk capital". Venture capital raises their funds from several sources. Most UK venture capital firms raise their funds for investment from external sources, mainly institutional investors, such as pension funds and insurance companies. The major factors that are considered by a venture capitalist before investment are: 1. Quality of management team 2. Size of the company’s market 3. Proprietary, uniqueness or brand strength of the company’s product 4. Return on investment and companies’ potential for growth. Aims of the study: The main aim of this research is to examine the scope, working and limitations of ‘venture capital’. Objectives: The main objectives of the study are: 1. To assess the fund allotment of venture capital 2. To evaluate the viability of the long term relationship 3. To examine the degree of risk involved in investment 4. To evaluate the possibility of active participation of venture capital in management 5. To evaluate the problems faced by the venture capitalist Methodology: The purpose of research methodology is to describe the method of conduction of the study. Redman and Mory define research as a â€Å"systematized effort to gain new knowledge† (Research Methodology: an Introduction, 2011). The primary and secondary research helps in its way to analyse the working and success of venture capital . â€Å"Secondary research occurs when a project requires a summary or collection of existing data† (Secondary Research, n.d). â€Å"Primary research involves getting original data directly about the product and the market. Primary research data is data that did not exist before† (Market research - primary research, 2010). To analyze the working and to assess the limitations of venture capital, a strict analysis of primary and secondary data are necessary. The methods like surveys, questionnaires and interviews are the part of primary research. â€Å"

Evaluating the Wheel of Retailing Essay Example | Topics and Well Written Essays - 500 words

Evaluating the Wheel of Retailing - Essay Example With the passage of time, the business develops and the outlet gains a good reputation and has a high price with high-profit margins. This is done by competing with the giants of the field by producing good quality and economic rates. After this, the business or the outlet of the business or the corporation itself becomes a highly famous name in the field and enjoys the highly respectable reputation. A new and fairly small business comes in competition with it and undergoes the same process. The wheel hence keeps rotating (Peckham, J. O. 1981). A very interesting example for the sake of studying and observing the concept of the wheel of retailing is a business located in Pennsylvania at frank ford avenue known as the Pizza Brain. The tactic applied by the owner and the founder of the business was that he started introducing the pizza, which is one of the most consumed fast foods all over the united stated, in fact, all over the world, at an economical price as compared to the others. This business was very tough to run because everyone knows the existence of other pizza chains in the country and how they are famous in terms of their quality. The founder of the Pizza Brain introduced a unique taste of the pizza with an affordable price. After that, the reputation, which was very low at the beginning started to rise and with the passage of time, it rose to an extent that it started generating its regular customers. Another tactic adopted by the owner to raise the reputation was by introducing a pizza museum that is one of a k ind in nature. After the development of its reputation and its economy, the owner maintained the quality this entire period and started to raise the prices as it was now in a position to compete with the giants.  

Jessica Swindle Essay Example for Free

Jessica Swindle Essay In this time and age, a lot of people are struggling for their lives. We can never deny the fact how tough it is to deal with the circumstances that come along our way and it is imperative for us to weigh our capabilities in order to make our best and live our lives to the best of our abilities. As Merwin epitomized his thoughts on his â€Å"Eskimo Poem†, he freely exemplify the perception of what it entails to live in this world and at the same time possess the grip to what is in store for you in the future. At the beginning of the poem, the tender emotion shoot in as one wonders what life could bring each and every single of his life. But along the way, to some extent there is bit scepticism as the challenges hinders the happiness of a person. â€Å"But I am leaving the shore in my skin boat, it came to me that I was in danger and now the small troubles look big† (Mervin), during the moments that we feel we are alone with our predicament and that we can no longer bear the confrontation of life we tend to look for another way wherein we can build our lives again. Indeed, as the poem utters â€Å"and the ache that comes from the things I have to do every day big† (Merwin), it only means one thing, and that is to find alternative measures to make our lives better. In this regard, it was thoroughly elucidated how trials expands and it is only our hope that can uplift our spirit. â€Å"But only one thing is great only one, this in the hut by the path to see the day coming out of its mother and the light filling the world† (Merwin), positively, at the end of the day there is always a light that will shed our fears and will shelter our minds and hearts. Like the poem, we should find contentment with our lives even if it will take to some place and to different level of maturity. Acceptance of dare could be a proliferating factor in order for us to be great in the paths that we are taking.

Essays --

Human beings have to made decisions right from childhood stage but the complexity of the decisions to be made or the circumstances preceding a decision vary from simple personal decisions to being in a group making corporate decisions. Individual Decision Making involves arriving at the decision at a personal level without involving external persons or making the decision regardless of an external or group's view point. This is the common method of making decisions and it has been observed to be effective when input from external parties is not necessary or in circumstances when a person might find themselves in need of immediate decision in order to tackle a particular situation. For example a person who is driving a car needs to make decisions about what action to take as he drives along the road with regards to following the driving laws and how to respond to actions by other road users. In this situation, an individual utilizes the intuitive decision making process (Cottrell, 2 009) which is based on the experience that he has gone through. According to Buchanan and Huczynski (2013), an individual’s quality of decisions can be influenced by how they perceive the surrounding circumstances in a given situation. This process falls in the â€Å"rational decision-making model† whereby an individual rationalizes and makes a decision based on the rational circumstances. For example a manager might be required to make a decision on whether to punish or pardon an employee who has made an error but his decision is based on the circumstances surrounding the event. If two managers were to independently evaluate the situation, one person might decide to punish while another might decide to pardon because it will depend on the personal interpre... ...decisions than can be arrived at and their consequences. An example of how this decision making process can be used is when a jury is unable to make a common decision mostly due to group polarization, one of the jurors can play the devil’s advocate by presenting an argument from the ‘other’ perspective opposite to what he rest of the group are focusing on in order to help them to make a decision. According to Berniker and McNabb (2006) the dialectical inquiry method can also be used by a group to help them make a decision. In this methodology, two alternatives are presented to the group for evaluation and they are discussed and then the group evaluates the two options and chooses whether to pick one of the options or to combine the two and use that as the final solution to the debate. This decision making process closely mirrors the devil’s advocacy method.

Photosynthesis Essay

Photosynthesis Essay During the Light Dependent Reactions, activity occurs within the thylakoids of the chloroplast. NADP+ accepts two high energy electrons and an H+ ion and then converts into NADPH. This process ultimately traps some of the sunlight in chemical form. Then, NADPH is able to carry the energy it absorbs to the rest of the cell. The reaction produces O2 gas and converts ADP to ATP and NADP+ to NADPH. First, pigments in Photosystem II absorb light, which is then absorbed by electrons, which are then passed along the Electron Transport Chain.Chlorophyll loses an electron, but interestingly, those missing electrons are replaced through enzymes in the thylakoid membrane, which divide H20. Secondly, electrons move through the Electron Transport Chain from PII to PI and an H+ ion moves from the stroma to the inner thylakoid space. Thirdly, pigments from PI use energy from light to reenergize electrons; NADP+ picks them up along with H+ ions in the outer surface of the thylak oid, making NADPH.Next, as the electrons pass from chlorophyll to NADP+, more H+ ions are being pumped through the membrane to the inside of the thylakoid, which accounts for the inside being positive and the outside being negative. Lastly, ATP synthase, which spans the membrane, allows the H+ ions to go through it. As they go through, the synthase spins and rotates and binds an ADP to a phosphate group, producing ATP. Specifically, the Light Reactions can either follow a noncyclic electron pathway or a cyclic electron pathway.During the noncyclic electron pathway, PII absorbs solar energy, which is passed along pigments until it is concentrated in a particular pair of chlorophyll a molecules, called the reaction center. Here, the electrons become very energized that they escape and go to electron acceptor molecules. The electron acceptor sends electrons down the ETC and ATP production occurs when they flow their gradient in ATP synthase. PI absorbs solar energy, but the electrons a re captured by different electron acceptors, which pass electrons to NADP+.Each one accepts two electrons and an H+ to become NADPH. The cyclic electron pathway is the same as the noncyclic pathway, where ATP production occurs; however instead of electrons moving to NADP+, they return to PSI, which how it receives replacement electrons. This is why it is called a cyclic pathway; ATP production occurs but not NADPH production. The Light Independent Reactions, also known as the Calvin Cycle and or the â€Å"dark cycle†, ATP and NADPH produce high energy sugars.To begin the cycle, six CO2 molecules enter from the atmosphere and combine with six 5-carbon molecules to form twelve 3-carbon molecules. Next, these are converted into higher energy forms using ATP and high energy electrons from NADPH. Lastly, two of the twelve 3-carbon molecules are removed from the cycle, used by the plant for metabolism and growth; the remaining ten are converted back into six 5-carbon molecules, whi ch ultimately begin the next cycle.The Calvin Cycle has three in depth parts: C02 fixation, C02 reduction, and RuBP regeneration. During C02 fixation, C02 from the atmosphere is attached to RuBP, which is a 5 carbon molecule, which splits into two 3 carbon molecules. RuBP carboxylase is the enzyme that speeds up this reaction. Secondly, both of the 3PG molecules formed undergoes reduction to G3P: ATP and NADPH are used as energy to fuel this reduction where carbon dioxide reduces to a carbohydrate (R-CO2 to R-CH20).Lastly, the Calvin Cycle has to cycle three times for one G3P to exit. This occurs because five molecules of G3P are used to reform three RuBP molecules. Glyceraldehyde -3-phosphate, G3P, produced from this cycle is an ultimate carbohydrate used for nutrition for most living things on Earth. Glucose phosphate is an organic molecule that results from G3P metabolism. Glucose is essential to plants and animals to be able to produce ATP for energy purposes. Glucose phosphate is also the starting point for the synthesis of starch and cellulose.

The Lake of Isle of Innisfree

â€Å"The Lake Of Isle Of Innisfree† is about a person who wants to have a different life in â€Å"Innisfree† and to relax in his life before. The first stanza is telling the readers that the main character wants to be free and leaves the annoying things behind his head and be free. The first sentence starts with â€Å"I will arise and go now, and go to Innisfree. † It’s showing the readers that he is keen to go to Innisfree and is determined to go away. The next sentence â€Å"small cabin† is showing that his life is easy and doesn’t need luxury or any other dear things. The two last sentences in the stanza are showing how fun he will live in Innisfree. Bean Rows†, â€Å"honey bee†, and â€Å"bee-loud glade. † All show that he will have peace here and live the way he wants here. This stanza shows just how determined he wants to go to Innisfree, how peaceful he will be here, and how relaxed he will be here. The next stanza shows how the main character will live in Innisfree, and is comparing to the life before he was in Innisfree. The second stanza starts with â€Å"And I shall have some peace there for peace comes dropping slow. † It’s using a metaphor saying that his life is easy and simple. Showing that the life in Innisfree is peaceful and quiet.The next sentence â€Å"cricket sings† tells the readers that it isn’t noisy in Innisfree, it’s quiet, peaceful and a natural sound. â€Å"Purple glow. † In the third sentence is showing the readers that Innisfree view is also beautiful in its view not just sound. The last sentence of the stanza is showing the difference between Innisfree’s views of night and day. This stanza is shows just how beautiful Innisfree is between night and day it’s also comparing between the views of his life before. The last stanza is like the first stanza, the main character is determined to go to Innisfree.It starts wit h â€Å"I will arise and go now, for always night and day. † Means that the main character doesn’t care how tired how far it will be to Innisfree he won’t care. He just wants to go there. The next 3 sentences are all comparing to the life before he was. This stanza is comparing how he lived before and now. It’s also comparing to how determined he is to go to Innisfree. This poem is about a person who has a bored life before and wants to have a new life in Innisfree. The story’s main idea is to relax and have a simple life. It’s also means that money isn’t everything.

Introducing Phrasal Verbs to ESL Students

Introducing Phrasal Verbs to ESL Students Getting students to come to terms with phrasal verbs is a constant challenge. The fact of the matter is that phrasal verbs are just rather difficult to learn. Learning phrasal verbs out of the dictionary can help, but students really need to read and hear phrasal verbs in context for them to be able to truly understand the correct usage of phrasal verbs. This lesson takes a two-pronged approach to helping student learn phrasal verbs. It begins with a reading comprehension which can also serve to introduce some interesting student stories for discussion. This comprehension is peppered with phrasal verbs which can then be discussed as a class. The second part of the lesson includes a brainstorming session for students to create lists of phrasal verbs to share with one another. Once students have become familiar with phrasal verbs, you can refer them to these resources to continue their learning. This phrasal verbs reference list will get students started with short definitions of approximately 100 of the most common phrasal verbs. This guide in how to study phrasal verbs will help them develop a strategy to understand and learn phrasal verbs. Aim: Improve phrasal verb vocabulary Activity: Reading comprehension followed by brainstorming session and discussion Level: Intermediate to upper intermediate Outline: Have the students read the short story full of phrasal verbs.Ask them some general comprehension questions about the text. Once they have read the text, ask them to tell a story of their own from their youth.Now that you have discussed the text, ask the students to find the phrasal verbs from the list which occur in the reading selection. Once the students have found these phrasal verbs, ask the students to provide synonyms for the phrasal verbs.Tell the students a little bit about what you have done that teaching day:Example: I got up at seven this morning. After I had breakfast, I put together tonights lesson plan and came to school. I got into the bus at X square and got off at Y square...Ask students which of the verbs you used were phrasal verbs and ask them to repeat those verbs. At this point, you might want to ask them if they have ever taken a look under the heading get in a dictionary. Ask them what they discovered.Explain that phrasal verbs are very important in English - especially for native speakers of the language. You can point out that it might not be important for them to be able to use a lot of phrasal verbs if they use their English with other non-native speakers. However, it is important that they have a passive knowledge of phrasal verbs, as they will need to understand more and more phrasal verbs as they become used to reading, listening, seeing and exploring authentic materials in English. Obviously, if they are going to use their English with native speakers, they will really need to buckle down and get used to using and understanding phrasal verbs. Write a list of common verbs that combine with prepositions to make phrasal verbs. I would suggest the following list:TakeGetMakePutBringTurnBeCarryDivide students into small groups of 3-4 each, ask students to choose three of the verbs from the list and then brainstorm to come up with as many phrasal verbs using each of the three verbs that they can. They should also write example sentences for each of the phrasal verbs.As a class, ask students to take notes while you write the phrasal verbs down that each group provides. You should then give a spoken example or two for each of the phrasal verbs so that students can understand the phrasal verbs from the context of what you are saying.Once you have provided the students with examples, ask the students to read their own examples and check to make sure that they have used the phrasal verbs correctly. NOTE: Dont introduce the idea of separable and inseparable phrasal verbs at this point. The students will already be dealing with almost too much new information. Save that for a future lesson! Adventures Growing Up I was brought up in a small town in the countryside. Growing up in the countryside offered lots of advantages for young people. The only problem was that we often got into trouble as we made up stories that we acted out around town. I can remember one adventure in particular: One day as we were coming back from school, we came up with the brilliant idea to make out that we were pirates looking for treasure. My best friend Tom said that he made out an enemy ship in the distance. We all ran for cover and picked up a number of rocks to use for ammunition against the ship as we got ready to put together our plan of action. We were ready to set off on our attack, we slowly went along the path until we were face to face with our enemy - the postmans truck! The postman was dropping off a package at Mrs. Browns house, so we got into his truck. At that point, we really didnt have any idea about what we were going to do next. The radio was playing so we turned down the volume to discuss what w e would do next. Jack was all for switching on the motor and getting away with the stolen mail! Of course, we were just children, but the idea of actually making off with a truck was too much for us to believe. We all broke out in nervous laughter at the thought of us driving down the road in this stolen Postal Truck. Luckily for us, the postman came running towards us shouting, What are you kids up to?!. Of course, we all got out of that truck as quickly as we could and took off down the road. Phrasal Verbs to make outto make off withto drop offto set offto get out ofto get intoto get readyto be up toto take offto grow upto make upto set offto turn downto get intoto bring upto break out There are at least 7 other phrasal verbs in the text. Can you find them?

Compel, Impel, and Propel

Compel, Impel, and Propel Compel, Impel, and Propel Compel, Impel, and Propel By Maeve Maddox A reader asks, Would you explain the differences among compel, impel, and propel. Here is an instance that I read:â€Å"†¦I find myself returning again and again to the question of what compels us - what propels us - to record our impressions of the present moment in all their fragile subjectivity.† The pel in compel, impel, and propel derives from the Latin verb pellere, â€Å"to drive,† as in the way one drives sheep, forcing them to go in a certain direction. compel: transitive verb. To urge irresistibly, oblige, force. â€Å"The police compelled the motorist to stop.† impel: transitive verb. To drive, force, or constrain a person to some action by acting upon her mind or feelings; to urge on, incite. In a literal sense, impel means to cause something to move onward. An engine, for example, impels a vehicle. propel: transitive verb. To drive away or out. to drive or push forwards, onwards, or in a specified direction; to cause to move along. Figuratively, propel means â€Å"to encourage or promote an enterprise or activity.† One can â€Å"propel a person† in the sense of urging or spurring him on. In the example provided by the readerwhat compels uswhat propels usto record our impressions, both compel and propel convey the idea of being driven to do something. Compel conveys the idea that the person is being forced to do it; propel shows that the person is encouraged to do it by the same â€Å"what† that forces him to do it. Three other pellere verbs in English are: dispel: to drive asunder, scatter expel: to drive out repel: to push or thrust away Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:How to Structure A Story: The Eight-Point ArcDisappointed + PrepositionThe Two Sounds of G

Why Quants Dont know Everything Research Paper Example | Topics and Well Written Essays - 750 words

Why Quants Dont know Everything - Research Paper Example According to Felix Salmon, for any discipline or industry, the rise of quants happens in four stages: Pre-disruption – Any industry is ripe for quantitative analysis wherever there may be huge amounts of data that has never been mined. There is untapped potential and realizations in the data, and what it may tell us. This prospect for quantification qualifies an industry to be in a pre-disruption stage. Disruption – After the industry has been identified for quantification, the next step is to collect and collate all the data available and start analyzing the data. This is where the algorithms start to take over. For example, the moment you start to receive targeted and personalized offers for credit cards and other financial services, solely based on computations, according to your finances and credit worthiness, instead of a relationship with your bank. This is a common phenomenon which leaves most of us wondering â€Å"How do the banks get my number and why do they think I will need a credit card, or a personal loan?† etc. Overshoot – This is when people stop thinking like people and start thinking like machines. Analytics spend hours doing calculations, forming algorithms and come up with readable, identifiable data sheets or metrics charts which can be further processed in the synthesis phase. Synthesis – It is the practice of marrying quantitative insights with old-fashioned subjective experience. Once you have the quantified data for the relevant industry, analytics would do brainstorming based on their experience with consumers as to how the stats could be applied to which consumer group and how the consumers can be identifies as prospective users of upcoming products. b) There are many industries which are not yet quantified and given a chance they can flourish with the right analysis. One of the industries which will be ripe for the next breakthrough

Time management Research Paper Example | Topics and Well Written Essays - 2000 words

Time management - Research Paper Example 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‚¬ ¦.. 9 References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...11 Time management Introduction Time management entails exercising prudent control on the amount of time spent in performing several activities in order to improve productivity, efficiency and increase effectiveness (Pausch, 2008). Time management includes several tools, techniques and skills that enable individuals and organizations to accomplish specific activities within the time limit. The main aspects of time management include setting and adhering to priorities and minimizing time spent on non-core activities (Carroll, 2012). Time management is about utilizing the available time effectively through effective scheduling of time, setting clear goal s, prioritizing of activities, delegation of the tasks and reviewing the time spent on different tasks. According to Pausch (2008), the management must organize the workspace or environment in order to eliminate destructions and ensure maximum concentration. Eisenhower time management method classifies tasks in to either urgent or important tasks while action priority matrix determines the priority of tasks depending on the efforts and perceived benefits to the organization. According to Pareto principle (80:20 rule), 80 percent of the output is generated by 20 percent of the efforts. The Pareto analysis is useful in prioritizing the tasks since 80 percent of the results can be attributed to 20 percent of tasks completed. This paper will discuss benefits of time management, various skills in time management and methods of time management. The paper will also discuss ways of avoiding procrastination. Carroll (2012) asserts that effective planning entails preparing work lists of activ ities that must be completed during a certain time. These include the ‘to do lists’ that prioritize activities depending on their importance and urgency to the organization. The pending tasks must take accomplished first and new tasks must not start until the previous or already started tasks are complete. Accordingly, the individual or management must set goals and objectives that aim at ensuring efficiency of work. The goals and objectives must be specific, attainable and measurable (Croft, 1996). The goals must have clear deadlines that will guide the efforts committed towards accomplishment of the specific tasks. The management must motivate employees towards attainment of the set goals within the pre-determined deadlines. Accordingly, the management must delegate authority and responsibilities in order to ensure employees take accountability of their tasks in completing the tasks within the deadlines (Pausch, 2008). The employees must spend the appropriate and allo cated time on the right activities depending on the priorities in order to meet any strict deadlines and ensure efficient workflow in the organization (Croft, 1996). Benefits of time management Time management involves making the possible best use of the available time while doing the right things at the right time. One of the benefits of time management is that it makes individuals more disciplined and punctual. The individuals are capable of preparing ‘

Scientific Writing Essay Example | Topics and Well Written Essays - 500 words

Scientific Writing - Essay Example Innate immunity comprises mainly of the skin and mucosal surfaces. The main function of this immune is to prevent entry of specific non-self antigens. In many cases, compromising of innate immunity occurs and consequently pathogens gain entry into the body. The remedy then is the acquired immunity, which comprise the cellular immunity, (lymphocytes, macrophages, natural killer cells, and antigen-presenting cell) and humoral immunity (mediated by macromolecules). It works by recognizing disease causing pathogens and triggering mechanisms that destroy them. (Weinstein 40) Many diseases that kill people in this century originate from stress as opposed to improper diet, and pathogen resistance to drugs. More investment on in making people less stressed than in pharmaceutical firms it to be considered by any nation that want healthy and effective citizens. An immune system in its right condition is able to keep pathogens at bay and maintain the body health. Stress remarkably interferes the immune system by altering its functioning. It suppresses the immune system function and over time causes tearing down of this important system. Stress is the feeling of inability to deal with a life-threatening situation. It leads to emotional, psychological, and physical problems. The physical problems include heart disease, high blood pressure, chest diseases, and heart rate abnormalities (Harrington 26). The adrenal glands release adrenaline when someone is under stressful conditions. It responds well to short term stress through fight or flight response. Adrenaline stimulates the heart rate, contracting blood vessels’ dilating air passages thus increasing a subsequent flow of blood to the muscles and the amount of oxygen intake in the lungs (Weinstein 43). These responses affect the digestive system by inhibiting the digestion. If stress is prolonged, the production of

Therapeutic Recreation Models

Therapeutic Recreation Models Therapeutic Recreation seeks to promote the capacity and ability of groups and individuals to make self determined and responsible choices, in light of their needs to grow, to explore new perspectives and possibilities, and to realise their full potential. Within this assignment I am going to critically compare and evaluate the use of the following models in the Therapeutic Recreation Service: The Leisure Ability Model and the Health Promotion/ Health Protection Model. In doing so I will firstly describe the two models in detail and then critically compare and evaluate them both and their use in the therapeutic recreation service. The Leisure Ability Model: Every human being needs, wants, and deserves leisure. Leisure presents opportunities to experience mastery, learn new skills, meet new people, deepen existing relationships, and develop a clearer sense of self. Leisure provides the context in which people can learn, interact, express individualism, and self-actualize (Kelly, 1990). A large number of individuals are constrained from full and satisfying leisure experiences. It then follows that many individuals with disabilities and/or illnesses may experience more frequent, severe, or lasting barriers compared with their non-disabled counterparts, simply due to the presence of disability and/or illness. The Leisure Ability Models underlying basis stems from the concepts of: (a) learned helplessness vs. mastery or self-determination; (b) intrinsic motivation, internal locus of control, and causal attribution; (c) choice; and (d) flow. Learned Helplessness: Learned helplessness is the perception by an individual that events happening in his or her life are beyond his or her personal control, and therefore, the individual stops trying to effect changes or outcomes with his or her life (Seligman, 1975). They will eventually stop wanting to participate in activity or participate in any other way. They will learn that the rules are outside of their control and someone else is in charge of setting the rules. Their ability to take a risk will be diminished and they will learn to be helpless. Learned helplessness may present a psychological barrier to full leisure participation and it may, conversely, be unlearned with the provision of well-designed services. Intrinsic Motivation, Internal Locus of Control, and Causal Attribution: All individuals are intrinsically motivated toward behaviour in which they can experience competence and self-determination. As such, individuals seek experiences of incongruity or challenges in which they can master the situation, reduce the incongruity, and show competence. This process is continual and through skill acquisition and mastery, produces feelings of satisfaction, competence, and control. An internal locus of control implies that the individual has the orientation that he or she is responsible for the behaviour and outcomes he or she produces (Deci, 1975). Typically individuals with an internal locus of control take responsibility for their decisions and the consequences of their decisions, while an individual with an external locus of control will place responsibility, credit, and blame on other individuals. An internal locus of control is important for the individual to feel self-directed or responsible, be motivated to continue to seek challenges, and develop a sense of self-competence. http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif Attribution implies that an individual believes that he or she can affect a particular outcome (Deci, 1975; Seligman, 1975). An important aspect of the sense of accomplishment, competence, and control is the individuals interpretation of personal contribution to the outcome. Without a sense of personal causation, the likelihood of the individual developing learned helplessness increases greatly. Choice: The Leisure Ability Model also relies heavily on the concept of choice, choice implies that the individual has sufficient skills, knowledge, and attitudes to be able to have options from which to choose, and the skills and desires to make appropriate choices. Lee and Mobily (1988) stated that therapeutic recreation services should build skills and provide participants with options for participation. Flow: When skill level is high and activity challenge is low, the individual is quite likely to be bored. When the skill level is low and the activity challenge is high, the individual is most likely to be anxious. When the skill level and activity challenge are identical or nearly identical, the individual is most able to achieve a state of concentration and energy expenditure that Csikszentmihalyi (1990) has labeled flow. Treatment Services During treatment services, the client generally has less control over the intent of the programs and is dependent on the professional judgment and guidance provided by the specialist. The client experiences less freedom of choice during treatment services than any other category of therapeutic recreation service. The role of the specialist providing treatment services is that of therapist. Within treatment services, the client has minimal control and the therapist has maximum control. The specialist typically designates the clients level and type of involvement, with considerably little input from the client. In order to successfully produce client outcomes, the specialist must be able to assess accurately the clients functional deficits; create, design, and implement specific interventions to improve these deficits; and evaluate the client outcomes achieved from treatment programs. http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gifThe ultimate outcome of treatment services is to eliminate, significantly improve, or teach the client to adapt to existing functional limitations that hamper efforts to engage fully in leisure pursuits. Often these functional deficits are to the degree that the client has difficulty learning, developing his or her full potential, interacting with others, or being independent. The aim of treatment services is to reduce these barriers so further learning and involvement by the client can take place. Leisure Education: Leisure education services focus on the client acquiring leisure-related attitudes, knowledge, and skills. Participating successfully in leisure requires a diverse range of skills and abilities, and many clients of therapeutic recreation services do not possess these, have not been able to use them in their leisure time, or need to re-learn them incorporating the effects of their illness and/ or disability. Leisure education services are provided to meet a wide range of client needs related to engaging in a variety of leisure activities and experiences. (Howe, 1989, p. 207). The overall outcome sought through leisure education services is a client who has enough knowledge and skills that an informed and independent choice can be made for his or her future leisure participation. Leisure education means increased freedom of choice, increased locus of control, increased intrinsic motivation, and increased independence for the client. Recreation Participation: http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif Recreation participation programs are structured activities that allow the client to practice newly acquired skills, and/or experience enjoyment and self-expression. These programs are provided to allow the client greater freedom of choice within an organized delivery system and may, in fact, be part of the individuals leisure lifestyle. The clients role in recreation participation programs includes greater decision making and increased self-regulated behaviour. The client has increased freedom of choice and his or her motivation is largely intrinsic. In these programs, the specialist is generally no longer teaching or in charge per se. The client becomes largely responsible for his or her own experience and outcome, with the specialist moving to an organizer and/or supervisor role. As Stumbo and Peterson (1998) noted, recreation participation allows the client an opportunity to practice new skills, experience enjoyment, and achieve self-expression. From a clinical perspective, recreation participation does much more. For instance, recreation opportunities provide clients with respite from other, more arduous, therapy services. Leisure education programs may focus on: (a) self-awareness in relation to clients new status; (b) learning social skills such as assertiveness, coping, and friendship making; (c) re-learning or adapting pre-morbid leisure skills; and (d) locating leisure resources appropriate to new interests and that are accessible. Recreation participation programs may involve practicing a variety of new leisure and social skills in a safe, structured environment. In designing and implementing these programs, the specialist builds on opportunities for the individual to exercise control, mastery, intrinsic motivation, and choice. The ultimate outcome would be for each client to be able to adapt to and cope with individual disability to the extent that he or she will experience a satisfying and independent leisure lifestyle, and be able to master skills to achieve flow. Health Promotion/ Health Protection Model: The Health Protection/Health Promotion Model (Austin, 1996, 1997) stipulates that the purpose of therapeutic recreation is to assist persons to recover following threats to health, by helping them to restore themselves or regain stability. (health protection), and secondly, optimising their potentials in order that they may enjoy as high a quality of health as possible (health promotion). Within this model (Austin, 1997, p. 144) states that â€Å"the mission of therapeutic recreation is to use activity, recreation, and leisure to help people to deal with problems that serve as barriers to health and to assist them to grow toward their highest levels of health and wellness The health promotion, health protection model is broken up into four broad concepts which are the humanistic perspective, high level wellness, stabilisation and actualisation and health. Humanistic Perspective: Those who embrace the humanistic perspective believe that each of us has the responsibility for his or her own health and the capacity for making self-directed and wise choices regarding our health. Since individuals are responsible for their own health, it is critical to empower individuals to become involved in decision-making to the fullest extent possible (Austin, 1997). High-Level Wellness: High-level wellness deals with helping persons to achieve as high a level of wellness as they are capable of achieving (Austin, 1997). Therapeutic Recreation professionals have concern for the full range of the illness-wellness continuum (Austin, 1997). http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif Stabilization and Actualization Tendencies: The stabilizing tendency is concerned with maintaining the steady state of the individual. It is an adaptation mechanism that helps us keep stress in a manageable range. It protects us from biophysical and psychosocial harm. The stabilizing tendency is the motivational force behind health protection that focuses on efforts to move away from or avoid negatively valence states of illness and injury (Pender, 1996, p. 34). The actualization tendency drives us toward health promotion that focuses on efforts to approach or move toward a positively valence state of high-level health and well-being (Pender, 1996, p. 34). Health: King (1971) and Pender (1996) health encompasses both coping adaptively and growing and becoming. Healthy people can cope with lifes stressors. Those who enjoy optimal health have the opportunity to pursue the highest levels of personal growth and development. Under the Health Protection/Health Promotion Model, therapists* recognize that to help clients strive toward health promotion is the ultimate goal of therapeutic recreation. Further, therapists prize the right of each individual to pursue his or her highest state of well-being, or optimal health. TR practice is therefore based on a philosophy that encourages clients to attempt to achieve maximum health, rather than just recover from illness (Austin, 1997). The Component of Prescriptive Activities: When clients initially encounter illnesses or disorders, often they become self-absorbed. They have a tendency to withdraw from their usual life activities and to experience a loss of control over their lives (Flynn, 1980). Research (e.g., Langer Rodin, 1976; Seligman Maier, 1967) has shown that feelings of lack of control may bring about a sense of helplessness that can ultimately produce severe depression. At times such as this clients are encountering a significant threat to their health and are not prepared to enjoy and benefit from recreation or leisure. For these individuals, activity is a necessary prerequisite to health restoration. Activity is a means for them to begin to gain control over their situation and to overcome feelings of helplessness and depression that regularly accompany loss of control. At this point on the continuum, Therapeutic Recreation professionals provide direction and structure for prescribed activities. Once engaged in activity, clients can begin to perceive themselves as being able to successfully interact with their environments, to start to experience feelings of success and mastery, and to take steps toward regaining a sense of control. Clients come to realise that they are not passive victims but can take action to restore their health. They are then ready to partake in the recreation component of treatment. The Recreation Component: Recreation is activities that take place during leisure time (Kraus. 1971). Client need to take part in intrinsically motivated recreation experiences that produce a sense of mastery and accomplishment within a supportive and nonthreatening atmosphere. Clients have fun as they learn new skills, new behaviors, new ways to interact with others, new philosophies and values, and new cognition about themselves. In short, they learn that they can be successful in their interactions with the world. Through recreation they are able to re-create themselves, thus combating threats to health and restoring stability. http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif The Leisure Component: Whereas recreation allows people to restore themselves, leisure is growth promoting. Leisure is a means to self-actualisation because it allows people to have self-determined opportunities to expand themselves by successfully using their abilities to meet challenges. Feelings of accomplishment, confidence and pleasure result from such growth producing experiences. Thus leisure assumes an important role in assisting people to reach their potentials (Iso-Ahola, 1989). Core elements in leisure seem to be that it is freely chosen and intrinsically motivated. The Recreation and Leisure Components: Although recreation and leisure differ in that recreation is an adaptive device that allows us to restore ourselves and leisure is a phenomenon that allows growth, they share commonalities. Both recreation and leisure are free from constraint. Both involve intrinsic motivation and both provide an opportunity for people to experience a tremendous amount of control in their lives. Both permit us to suspend everyday rules and conventions in order to be ourselves and let our hair down. Both allow us to be human with all of our imperfections and frailties. It is the task of the therapeutic recreation professional to maintain an open, supportive, and nonthreatening atmosphere that encourages these positive attributes of recreation and leisure and which help to bring about therapeutic benefit (Austin, 1996). http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif According to Bandura (1986), bolstered efficacy expectations allow clients to have confidence in themselves and in their abilities to succeed in the face of frustration. Thus, clients feel more and more able to be in control of their lives and to meet adversity as they move along the continuum toward higher levels of health. It is the role of the TR professional to help each client assume increasing levels of independence as he or she moves along the illness-wellness continuum. Of course, the client with the greatest dependence on the therapist will be the individual who is in the poorest health. At this point the stabilizing tendency is paramount while the client attempts to ward off the threat to health and to return to his or her usual stable state. At this time the therapist engages the client in prescriptive activities or recreation experiences in order to assist the client with health protection. During prescriptive activities the clients control is the smallest and the therapi sts is the largest. During recreation there is more of a mutual participation by the client and therapist. With the help of the therapist, the client learns to select, and participate in, recreation experiences that promote health improvement. Approximately midway across the continuum, the stabilising tendency reduces and the actualising tendency begins to arise. Leisure begins to emerge as the paramount paradigm. As the actualisation tendency increases, the client becomes less and less dependent on the therapist and more and more responsible for self-determination. The role of the therapist continues to diminish until the client is able to function without the helper. At this point the client can function relatively independently of the TR professional and there is no need for TR service delivery (Austin, 1997). Comparison of the use of the Leisure Ability Model to the Health Promotion/ Health Protection Model in Therapeutic Recreation Services: The role of the therapeutic recreation specialist, in order to reverse the consequences of learned helplessness, is to assist the individual in: (a) increasing the sense of personal causation and internal control, (b) increasing intrinsic motivation, (c) increasing the sense of personal choice and alternatives, and (d) achieving the state of optimal experience or flow. In theory, then, therapeutic recreation is provided to affect the total leisure behaviour (leisure lifestyle) of individuals with disabilities and/or illnesses through decreasing learned helplessness, and increasing personal control, intrinsic motivation, and personal choice. This outcome is accomplished through the specific provision of treatment, leisure education, and recreation participation services which teach specific skills, knowledges, and abilities, and take into consideration the matching of client skill and activity challenge. Another strength is the Models flexibility. One level of flexibility is with the three components of service. Each component of service is selected and programmed based on client need. That is, some clients will need treatment and leisure education services, without recreation participation. Other clients will need only leisure education and recreation participation services. Clearly, services are selected based on client need. In addition, programs conceptualized within each service component are selected based on client need. flexibility allow the specialist to custom design programs to fit the needs of every and any client group served by therapeutic recreation. The ultimate goal of leisure lifestyle remains the same for every client, but since it is based on the individual, how the lifestyle will be implemented by the individual and what it contains may differ. As such, the content of the Leisure Ability Model is not specific to any one population or client group, nor is it confined to any specific service or delivery setting. Some authors, including Kinney and Shank (1989), have reported this as a strength of the Model. According to the model, intervention may occur in a wide range of settings and addresses individuals with physical, mental, social, or emotional limitations (Peterson Gunn, p. 4). The intervention model is conceptually divided into three phases along a continuum of client functioning and restrictiveness. The three phases of therapeutic recreation intervention are arranged in a sequence, from greater therapist control to lesser therapist control, and from lesser client independence to greater client independence. This arrangement is purposeful and is meant to convey that the ultimate aim of the appropriate leisure lifestyle is that it be engaged in independently and freely. Summary The Health Protection/Health Promotion Model contains three major components (i.e., prescribed activities, recreation, and leisure) that range along an illness-wellness continuum. According to their needs, clients may enter anywhere along the continuum. The model emphasizes the active role of the client who becomes less and less reliant on the TR professional as he or she moves toward higher levels of health. Initially, direction and structure are provided through prescriptive activities to help activate the client. During recreation, the client and therapist join together in a mutual effort to restore normal functioning. During leisure, the client assumes primary responsibility for his or her own health and well-being. Evaluation of both models and there use in therapeutic recreation services: The overall intended outcome of therapeutic recreation services, as defined by the Leisure Ability Model, is a satisfying, independent, and freely chosen leisure lifestyle. In order to facilitate these perceptions, therapeutic recreation specialists must be able to design, implement, and evaluate a variety of activities that increase the persons individual competence and sense of control. In relation to leisure behaviour, Peterson (1989) felt that this includes improving functional abilities, improving leisure-related attitudes, skills, knowledge, and abilities, and voluntarily engaging in self-directed leisure behaviour. Thus, the three service areas of treatment, leisure education, and recreation participation are designed to teach specific skills to improve personal competence and a sense of accomplishment. Csikszentmihalyi (1990) summed up the importance of these perceptions: In the long run optimal experiences add up to a sense of mastery-or perhaps better, a sense of participation in determining the content of life-that comes as close to what is usually meant by happiness as anything else we can conceivably imagine (p. 4). The therapeutic recreation specialist must be able to adequately assess clients skill level (through client assessment) and activity requirements (through activity analysis) in order for the two to approximate one another. Given Decis (1975) theory of intrinsic motivation which includes the concept of incongruity, therapeutic recreation specialists may provide activities slightly above the skill level of clients in order to increase the sense of mastery. When this match between the activity requirements and client skill levels occurs, clients are most able to learn and experience a higher quality leisure. To facilitate this, therapeutic recreation specialists become responsible for comprehending and incorporating the: (a) theoretical bases (including but not limited to internal locus of control, intrinsic motivation, personal causation, freedom of choice, and flow); (b) typical client characteristics, including needs and deficits; (c) aspects of quality therapeutic recreation program delivery process (e.g., client assessment, activity analysis, outcome evaluation, etc.); and (d) therapeutic recreation content (treatment, leisure education, and recreation participation). These areas of understanding are important for the therapeutic recreation specialist to be able to design a series of coherent, organized programs that meet client needs and move the client further toward an independent and satisfactory leisure lifestyle. Again, the success of that lifestyle is dependent on the client gaining a sense of control and choice over leisure options, and having an orientation toward intrinsic motivation, an internal locus of control, and a personal sense of causality. The Leisure Ability Model provides specific content that can be addressed with clients in order to facilitate their development, maintenance, and expression of a successful leisure lifestyle. Each aspect of this content applies to the future success, independence, and well-being of clients in regard to their leisure. http://dw.com.com/redir?tag=rbxira.2.a.10destUrl=http://www.cnet.com/b.gif The client has reduced major functional limitations that prohibit or significantly limit leisure involvement (or at least has learned ways to overcome these barriers); understands and values the importance of leisure in the totality of life experiences; has adequate social skills for involvement with others; is able to choose between several leisure activity options on a daily basis, and make decisions for leisure participation; is able to locate and use leisure resources as necessary; and has increased perceptions of choice, motivation, freedom, responsibility, causality, and independence with regard to his or her leisure. These outcomes are targeted through the identification of client needs, the provision of programs to meet those needs, and the evaluation of outcomes during and after program delivery. A therapeutic recreation specialist designs, implements, and evaluates services aimed at these outcomes Austin (1989) objected to the Leisure Ability Model on the basis that is supporting a leisure behaviour orientation, instead of the therapy orientation. A number of authors have objected to the Leisure Ability Model, having observed that its all-encompassing approach is too broad and lacks the focus needed to direct a profession (Austin, p. 147). Austin advocated an alignment of therapeutic recreation with allied health and medical science disciplines, rather than leisure and recreation professionals The Model in Practice The Health Protection/Health Promotion Model may be applied in any setting (i.e., clinical or community) in which the goal of therapeutic recreation is holistic health and well-being. Thus, anyone who wishes to improve his or her level of health can become a TR client. TR professionals view all clients as having abilities and intact strengths, as well as possessing intrinsic worth and the potential for change. Through purposeful intervention using the TR process (i.e., assessment, planning, implementation, evaluation), therapeutic outcomes emphasize enhanced client functioning. Typical therapeutic outcomes include increasing personal awareness, improving social skills, enhancing leisure abilities, decreasing stress, improving physical functioning, and developing feelings of positive self-regard, self-efficacy and perceived control (Austin, 1996).