Education teaching and learning process education essay

Different literatures were studied to specify and to warrant the importance of the different keywords as they relate to the survey every bit good as to hold a good background on the organic structure of cognition. This certainly will be good to the apprehension of the kernel of ICT tools in Education as they are merely referred as Educational Technology Tools. Technology is going an progressively influential factor in instruction. The usage of computing machines and nomadic phones as complements to educational patterns are really up-to-date development in the country as we are speaking about on-line instruction. The detonation of computing machine usage in different economic countries brought about the ICT dimension in about everything we do these yearss. The demand of new accomplishments and apprehension of pupils and Educators are enforcing itself as a world, besides the environment in which instruction and acquisition is taking topographic point is under changeless alteration every bit good as the direction of the pupils. It is of import to observe that, in order to put the context, by and large talking, there is no 1 accepted definition of what constitutes engineering. Technology is the word associated with anything that aims to ease the human life through alteration. Ursula Franklin, in her 1989 â€Å" Real World of Technology † lectures: defines engineering as a â€Å" pattern, the manner we do things around here † . The Merriam-Webster dictionary offers a definition of the term as: â€Å" the practical application of cognition particularly in a peculiar country † and â€Å" a capableness given by the practical application of cognition † .2.2 Education, Teaching and Learning ProcessEducation from the Webster ‘s 1828 Dictionary read as follows: The conveying up, as of a kid, direction ; formation of manners. Education comprehends all that series of direction and subject which is intended to edify the apprehension, correct the pique, and organize the manners and wonts of young person, and suit them for utility in their hereafter Stationss. To give kids a good instruction in manners, humanistic disciplines and scien tific discipline, is of import ; to give them a spiritual instruction is indispensable ; and an huge duty remainders on parents and defenders who neglect these responsibilities. Education is a construct in which Instruction, Teaching and Learning are major pillars: Direction refers to the facilitating of larning toward identified aims, delivered either by an teacher or other signifiers. Teaching refers to the actions of a existent unrecorded teacher designed to leave larning to the pupil. Learning refers to larning with a position toward fixing scholars with specific cognition, accomplishments, or abilities that can be applied instantly upon completion. For, instruction is any act or experience that has a formative consequence on the head, character or physical ability of an person. In its proficient sense instruction is the procedure by which society intentionally transmits its accrued cognition, accomplishments and values from one coevals to another. However at that place has ever been a treatment on the affair of guaranting continuity of go throughing on cognition and a affair of furthering creativeness, which propels the scholars to the universe of terra incognitas and forces the coming out of it with invention and inventiveness. Both of these maps relate every bit to knowledge and attitudes, to understanding and behaviors. They are the kernel of the teaching/learning procedure. We want creativeness, but we want it to emerge from what is known and understood. We want continuity and that excessively from what is known and understood. Learning environments in schools typically involve one or more grownup instructors connected with a figure of pupils, normally in good defined physical scenes. Physically it may be in a room, full of peculiar furniture and equipment. The topographic point of computing machines in larning for the bulk of kids is most likely to happen in the schoolroom and, for an increasing figure, at place. However, most experts in the field of educational calculating would characterize computing machines as synergistic and therefore acknowledge them a topographic point within the relationship constructions of the schoolroom acquisition environment, non merely the physical environment. The course of study is concerned with What is learned and taught: includes aims, content, and larning results ( the cognition, accomplishments and attitudes that pupils are intended to show ) . How this acquisition and instruction occurs: concerns teaching/learning methodological analysis, learning schemes and media resources. Most teaching/learning methods and schemes involve the usage of some equipment. Some learning methods may merely include the usage of a chalkboard and chalk while others may do usage of a telecasting or overhead projector. This equipment and its usage within the course of study are frequently referred to as educational engineering.2.3 Educational Technology and ICTEducational engineering concerns the engineering that is used to ease the teaching/learning procedure. As such it is included in the how portion of the course of study. We could see educational engineering as the tools of the learning trade, portion of the medium used to convey the course of study. Thus the engineering used is determined by the intended course of study. Besides portion of the context of the course of study concerns the function of the instructor, the physical scene and the general pedagogical positions of the instructor and instruction system. These are likely to impact the engineering used and may affect t he usage of computing machines. Technology can be seen to be impacting the course of study both in footings of content and methodological analysis, there are a figure of cases where the course of study has been changed due to alterations in engineering, innovation of new engineering has added content to the course of study ( e.g. engineering based on electricity ) or new engineering has made parts of the content obsolete ( e.g. utilizing reckoners alternatively of logarithms for computation ) . Information and communicating engineerings ( ICTs ) are a â€Å" diverse set of tools and resources used to pass on, make, circulate, shop, and manage information. † These engineerings include computing machines, the Internet, airing engineerings ( wireless and telecasting ) , and telephone. Nowadays there is an increasing involvement in how computing machines and the Internet can better instruction at all degrees. Older ICT engineerings, such as wireless and telecasting, have for over 40 old ages been used for unfastened and distance acquisition. There is a assortment of nomenclature that describes the ways computing machines are integrated into the acquisition procedure and in the schoolroom: technology-mediated acquisition, computer-aided direction, distance instruction, distance acquisition, educational engineering, place acquisition engineerings, computer-based instruction, instructional engineering, multimedia, communications systems, Web-based acquisition, educational m ultimedia applications, and computer-mediated communicating etc are merely a sample of those. This variableness in nomenclature is non a affair of dissension among research workers, but merely implies that engineering is a word that is used to depict different things to different people. Technology is a term that is used by many to depict, survey, and measure the assorted ways computing machines are integrated into instruction, both inside and outside the schoolrooms.2.4 Integrating Technology in TeachingFurthermore, there is no consensus about what constitutes engineering in larning or learning. However, the common nexus tends to be some usage of the personal computing machine to help instruction or acquisition in some signifier or manner. These engineerings run the continuum of integrating in instruction from full classs put on the Web to engineering integrated into a specific lesson. Though most research surveies focus on computer-based engineering, there are other learning and l arning engineerings that are non computer-based. These can include overhead projectors, papers cameras, optical maser arrows, robotics, telecasting, VCR, DVD, presentation equipment, sound systems, Cadmiums, tape recordings, simulation machines, and theoretical accounts. Some research workers even consider the traditional piece of chalk and chalkboard a type of engineering. Many pedagogues have argued that the appropriate usage of ICT by pupils can help instructors in finding and providing for the anterior cognition of pupils. Further, it is normally besides argued that ICT can help pupils in prosecuting cognitively to a greater deepness with cognition spheres. That is pupils are supported in using the full scope of believing accomplishments within reliable contexts. This is frequently discussed in footings of cognitive taxonomies such as that provided by Bloom ( 1964 ) . Knowledge The scholar must remember information ( i.e. convey to mind the appropriate stuff ) . Comprehension The scholar understands what is being communicated by doing usage of the communicating. Application The scholar uses abstractions ( e.g. thoughts ) in peculiar and concrete state of affairss. Analysis The scholar can interrupt down a communicating into its constitutional elements or parts. Synthesis The scholar puts together elements or parts to organize a whole. Evaluation The scholar makes judgements about the value of stuff or methods for a given intent. By and large talking, there is an premise that engineering Fosters larning simply by its usage in the educational procedure. Ehrmann ( 1999 ) sums up this premise really nicely: Technologies such as computing machines ( or pencils ) do n't hold predetermined impacts ; it ‘s their utilizations that influence outcomes. This statement seems obvious, but many establishments act as though the mere presence of engineering will better larning. They use computing machines to learn the same things in the same ways as earlier, yet they expect larning results to be better. ( p. 32 ) In his essay, Clark ( 1983 ) said compactly: â€Å" aˆÂ ¦media are mere vehicles that deliver direction but do non act upon pupil accomplishment any more than the truck that delivers our food markets causes alterations in our nutrition † ( p. 445 ) . â€Å" if learning occurs as a consequence of exposure to any media, the acquisition is caused by the instructional method embedded in the media presentation. ( p. 26 ) Further, he posited that different types of media could be substituted for each other, because media are non responsible for any acquisition that might take topographic point. Media are non the causal agents in the acquisition procedure ; instead, instructional method is the active ingredient or accelerator that causes larning to take topographic point. In contrast to Clark ‘s statement, Kozma ( 1994 ) believed that the more appropriate inquiry was non whether media do influence acquisition, but will they act upon larning. He besides contended that merely because we have non established a relationship between media and acquisition does non intend that one does non be. He believed that, since we do non to the full understand the relationship between media and acquisition, we have yet to mensurate it, and the failure to set up this relationship is caused in portion by our theories of acquisition, or more specifically, behaviorism, with its basic premise that a stimulus causes a r esponse. Therefore, if the stimulation is non present, there is no possibility for response. Kozma ( 1994 ) explained that in Clark ‘s position media are merely â€Å" mere vehicles † or conduits for an instructional method ( stimulation ) that elicit a response ( larning ) . Kozma argues that larning is a much more complex procedure than merely a series of stimulus-response connexions. Learning, in his position, is defined as â€Å" an active, constructive, cognitive and societal procedure by which the scholar strategically manages available cognitive, physical and societal resources to make new cognition by interacting with information in the environment and incorporating it with information already stored in memory † ( p.8 ) . Therefore, in Kozma ‘s position, since the definition acquisition has evolved to incarnate more of a constructive procedure, our measuring of this procedure must germinate every bit good. Still others have argued for a complete reframing of the argument over engineering and its consequence on acquisition. Jonassen, Campbell, and Davidson ( 1994 ) believed that the Clark/Kozma arguments focused excessively much on direction and media and non plenty on the properties of the scholar who finally constructs the cognition. With all the assorted sentiments on the relationship between engineering and acquisition, it begs the inquiry: who is right? It appears that each theoretician brings an of import position to the tabular array. Clark is right that engineering has non needfully revolutionise the procedure of acquisition. Technology has non helped worlds develop a new manner to larn. Learning is still something that is performed by the person. However, in Clark ‘s position, all an teacher would necessitate to make is implant the appropriate instructional method into his/her lesson and acquisition should take topographic point. We know, nevertheless, despite many teachers ‘ best attempts and superior instruction abilities, larning does non ever take topographic point. Kozma is besides right that we must analyze engineering and larning beyond a behavioristic context. Learning is an knowing act ( Jonnasen, 1994 ) and the human being making the acquisition should non be discounted. Research workers have established that there is no important difference between larning with engineering in distance instruction classs and larning in a traditional schoolroom, but they do non discourse how human motive is influenced by engineering. This could be a really of import losing component in the argument. Which side you take in this argument depends mostly upon how you define larning. If you subscribe to more behavioristic positions of acquisition, Clark will do more sense to you. If you conceive of acquisition as a more cognitive or constructivist procedure, you would be more likely to hold with Kozma or Jonnasen. From a pedagogical attack, Information-processing theories emerged from a subdivision of cognitive psychological science that focused on the memory and storage procedures that enable larning. Theorist in this country explores how a individual receives information and shops it in memory. The construction of memory that allows the acquisition of something new, relate to and is built on something learned antecedently and besides how a scholar retrieves information from short-run and long-run memory and applies it to new state of affairss. The well-known information-processing theoretician, David Ausubel, proposed that the manner a scholar receives and shops information affects the utility of the information, for illustration, by reassigning current acquisition to larning other accomplishments. On the other manus, the theoretical account of the behaviorist B.F. Skinner, infers that portion of the Educator ‘s occupation is to modify the behavior of pupils through positive support, therefore under puting behaviour alteration techniques in schoolroom direction and programmed direction. To this we may state that, the stimulus-response interaction between pupil and engineering can be introduced through computing machines so as to help direction, by supplying drills and patterns on antecedently learned accomplishments, from pattern and tutorial package. The cognitive constructivist, Jean Piaget ‘s theory has two major parts: one constituent that predicts what kids can and can non understand at different ages, and a theory of development that describes how kids develop cognitive abilities. The cardinal deductions to these are: First, acquisition is an active procedure where direct experience, doing mistakes, and looking for solutions is critical for the assimilation and adjustment of information. The presentation of information is of import, when it is introduced as an assistance to job work outing. It functions as a tool instead than an stray arbitrary fact. Second, larning should be whole, reliable, and â€Å" existent. † Therefore, in a Piagetian schoolroom there is less accent on straight learning specific accomplishments and more accent is laid on larning in a meaningful context. Technology, peculiarly multimedia, offers a huge array of such chances, with the support of educational package on videodiscs and CD-ROMs, Educators can supply a acquisition environment that helps to spread out the conceptual and experiential background of the audience. The societal constructivist, L. S. Vygotsky ‘s theory has much more room for an active and involved Educator. He claimed that the cardinal point of his psychological attack is mediation. Through mediation human cognitive growing and acquisition as equals and other members of his community engages in relationships with the stuff and societal environment. Thus the usage of engineering can be used to link pupils to each other via electronic mail, forum, newsgroups etc. Now, from here, which approach to take? Which is best suited to heighten larning? What hardware or package to utilize? There is no right or incorrect replies to these inquiries, geting hardware and package bundles will partially decide the job. It is up to the Educator, who knows the lesson aims, the expected consequences and the pupils, to take which attack to utilize and what engineering should attach to the attack. However the finding of the engineering ‘s worthiness for a given lesson could be answered by the undermentioned inquiries: Is the lesson content worthwhile? ( Are at that place clear aims, connected to criterions or important inquiries, etc? ) Make the lesson activities engage pupils? How does engineering heighten the lesson in ways that would non be possible without it? Educators should so look for the best agencies to ease a diverseness of larning manners, and need to be competent perceivers of the societal surroundings in which scholars interact every bit good as knowing about the content to which they wish to expose scholars. Hence, pedagogues ‘ development is perfectly indispensable if engineering provided to schools is to be used efficaciously. Simply by puting computing machines in schools, supplying cyberspace installations, passing on IT hardware and package, without financing the pedagogue professional development every bit good, is uneconomical. Educators ‘ preparation of the usage and application of engineering is the cardinal finding factor to better pupil public presentation for both knowledge acquisition and accomplishments development enabled by engineering. Information engineering professionals have an maxim that â€Å" an unsupported engineering is an fresh engineering. † In an article for The Chronicle of Higher Education titled â€Å" When Good Technology Means Bad Teaching, † Jeffrey Young made the instance that a ill supported engineering is really worse than no engineering at all. He argued that giving instructors engineering without preparation has frequently done more injury than good to learning and larning. This is doubtless true. At the teacher degree without proper preparation and back up the pedagogues are faced with: the fright of embarrassment in forepart of students and co-workers, loss of position and an effectual degrading of professional accomplishments ( Russell & A ; Bradley 1997 ) schoolroom direction troubles when utilizing ICT, particularly where pupil-to-computer ratios are hapless ( Drenoyianni & A ; Selwood 1998 ; Cox et Al. 1999 ) deficiency of the cognition necessary to enable instructors to decide proficient jobs when they occur ( VanFossen 1999 ) Educational engineering is non, and ne'er will be, transformative on its ain ; it requires pedagogues who can incorporate engineering into the course of study and utilize it to better pupil larning. In other words, computing machines can non replace pedagogues, as they are the key to whether engineering is being used suitably and efficaciously. They need to understand a topic adequate to convey its kernel to pupils. While traditionally this has involved talking on the portion, new instructional schemes put the pedagogue more into the function of class interior decorator, treatment facilitator, and manager and the pupil more into the function of active scholar, detecting the topic of the class. Even if pupils could larn independently with small or no engagement from their instructors on how to utilize engineering to heighten their acquisition and accomplishments development, they are extremely improbable to hold those chances if pedagogues do non allow them hold entree to the engineering. The term â€Å" computer-assisted acquisition † ( CAL ) has been progressively used to depict the usage of engineering in learning. Educators besides need professional development in the pedagogical application of those accomplishments to better instruction and acquisition. They should be empowered to develop their cognition and accomplishments actively and experientially, in a assortment of larning environments, both single and collaborative. This, include a assortment of larning schemes, embracing direct direction, tax write-off, treatment, drill and pattern, tax write-off, initiation, and sharing. Therefore accent in the classs should be on the ways engineering can ease and heigh ten his profession lives. Educators ‘ readying plans are indispensable and as described by Kook ( 1997 ) it is â€Å" the important issue to be addressed † ( p.58 ) . The instructor of the hereafter will depend on the computing machine for both personal productiveness and for instructional activities. Kook lists 33 primary computing machine accomplishments for instructors, runing from voyaging the Windows desktop environment, to utilizing IRC confab, to put ining package. Kook suggests that these accomplishments should be portion of the needed classs for prospective instructors and insists that in the following century â€Å" teacher instruction will be forced to suit a considerable sum of transmutation to let instructors to work efficaciously in the Information Age † ( p.59 ) . Computer engineering can non be effectual in the schoolroom without instructors who are knowing about both the engineering itself and about how to utilize it to run into educational ends. The most common barrier to adequate preparation is the disbursal involved. Without preparation, nevertheless, other engineering disbursement has a fringy consequence ( Boyd, 1997 ) . Learning to run computing machine hardware, turning comfy with many different package applications, developing direction systems for pupil computing machine usage, and redesigning lesson programs to do usage of engineering, takes a great trade of clip. When combined with thwarting hardware bugs and package bugs, the undertaking can go dashing for even the most determined. Often, what stops people is one small thing that they did n't cognize how to make. If you have a room full of childs when something goes incorrect, it discourages you from seeking it once more ( Zehr, 1997, p.3 ) . Leading to the inquiry why school instructors do n't utilize, and sometimes defy, the usage of computing machines? Hannafin and Savenye ( 1993 ) name some research-based possible accounts for instructor opposition to utilizing computing machines. These grounds include: ill designed package, uncertainty that computing machines improve larning results, bitterness of the computing machine as a rival for pupil ‘s attending, unsupportive decision makers, increased clip and attempt required of the instructor, fright of losing control of â€Å" centre phase, † and fright of â€Å" looking stupid. † in forepart of the category. Sing the instructor ‘s function as a continuum, Hannafin and Savenye ( 1993 ) besides put the function of traditional lector and imparter of cognition at one terminal and the function of manager, observer, and facilitator at the other terminal. They so generalize that the traditional terminal of the continuum embraces an objectivist larning theory while the other terminal is likely to encompass constructivism. The instructor ‘s position of acquisition, so, could be another beginning of opposition to classroom engineering. A instructor may be unfastened to engineering but resist the attach toing alteration in larning theory. This would propose that in add-on to supplying developing in engineering, schools and territories need to supply information, preparation, encouragement, and support to instructors in traveling toward a more constructivist position of instruction. The direction should defend the alteration, policies has to be adopted as from the direction degree down t o the pupils, everybody contributing and attach toing the reform for it to be successful and to be able to take out the maximal benefit. This issue is addressed with trouble, because â€Å" Principals, on norm, are 50 old ages old. We ‘ve got a coevals of people who are really barriers to the extract of engineering in school systems and are afraid of it themselves † ( Quoted in Trotter, 1997, p.1 ) . It has â€Å" become clear over the past decennary that simple motivational and short-workshop strategies are immensely deficient to enable veteran ( and even new, computer-generation ) instructors to learn otherwise, and to learn good with engineerings † ( Hawkins and Honey, 1993 ) . The grounds suggested that instructors who use engineering in their schoolrooms are more effectual if they have received preparation, if they have district-level support and if they have a web of other computer-using instructors to portion experiences with. Swan and Mitrani province that â€Å" computing machines can alter the nature of instruction and acquisition at its most basic degree † ( 1993 ) . We need to guarantee that we are utilizing our current cognition about the application of engineering in instruction as a footing for continuing in the hereafter. The direction has besides its portion in the integrating of the the educational engineering in the school. Policies and support plans must be initiated from the top direction and they must be portion of and attach to the alteration. The most of import barrier to this integrating is the fiscal barriers. They include the cost of hardware, package, care ( peculiar of the most advanced equipment ) , and widen to some staff development. Froke ( 1994b ) said, â€Å" refering the money, the challenge was alone because of the nature of the engineering. † The initial investing in hardware is high but the costs of engineering have to portion of the cost of direction. The integrating reveals the institutional support through leading, planning and the engagement of instructors every bit good as directors in implementing alteration.

Economic Issues Simulation Paper Essay

The Financing of Health Care Economic Issues Simulation Paper Health care system has evolved tremendously in the last few years, with many changes with the health care laws including but not limited to Universal Health Care, many individuals have choices when it comes to their coverage. According to healthcare. gov, in January of 2015, an employer with 50 or more full time employees will have to make an Employer Shared Responsibility Payment if a full time employee gets a lower health coverage premium cost if insurance is purchase in a marketplace. However, employers are not subject to this law if the numbers of employees are lesser than 50 but are still expected to offer coverage for their employees. (healthcare. gov) Employers must make sure that when choosing coverage for their employees, these should be within their needs; within health care requirements as well as inexpensive keeping in mind that lower cost may not necessarily mean better. With many varieties in health care plans such as Preferred Provider (PPO), Point of Service (POS), and Exclusive Provider Organization (EPO); the Health Maintenance Organization (HMO) is the most preferred and utilized group health insurance plan. As a HMO representative of Castor Insurance, health care coverage will be built, including the potential utilization of the services by different enrollees. Castor Collins Health Plan Castro Collins Health Plan is a regional HMO that was founded in 1999. As a HMO, they provide health care services as well as health insurance to individuals in its statewide network of physicians and hospitals utilizing a capitation model to compensate their network of providers. Currently, there are 100,000 enrollees and these numbers are increasing. The responsibility of a Vice President in Strategy and Financial Planning is to interact with new clients and formulating health plans that will suit their needs. With the help of colleagues such as the Chief Financial Officer Helen Fouerman, the Chief Medical Officer Jonathan Wikes, and the Executive Vice President of Planning and Development, Adam Hunter, a plan will be put together that will include pricing and setting insurance premiums. In January of 2006, Castro Collins was approached and met with two groups of people for health insurance coverage. These groups are Constructit and E-editors, neither of them have group employer’s insurance. Constructit have 1000 people and they are willing to pay a maximum of $4000 per person as an annual premium, meanwhile E-editors will pay a maximum annual premium of $4500 per person with 1,600 people. Castor Collins offers three types of health plans: Castor Standard, Castor Enhanced, and the customized plan called Castor Enhanced Minor. The standard plan does not cover pre-existing medical conditions, the enhanced plan, however, cover pre-existing medical conditions and offers more services. Castor Enhanced Minor is a customized plan that is almost equivalent to Castor Enhanced with somewhat lesser services that requires high utilization. Demographics  and Health Care Risk Factors There are 550 men and 450 women employees in Constructit with ages 26 to 45 and 60 percent from this age group ranging from 26 to 42 are married. This means, spouses and children need to be considered in getting health plan. Also, great physical activities are involve within thirty- two percent of the people at Constructit, while 25 percent of the people has moderate physical activity. The remainder which is 43 percent of the people involves activities that are sedentary. There are no major health risks out of the thirty-eight percent an equivalent of 170 men and 210 women in the workforce. Injuries, respiratory system diseases, digestive disorders, migraine and allergic conditions are the major causes of absenteeism in Constructit. Obesity related diseases such as hyperlipidemia, high blood pressure, diabetes, and cardiovascular diseases are moderately high for this workforce that consists of 36 percent of men and 43 percent of women. In E-editors, there are 750 men and 840 women with ages 35 to 54 and most of them are married. For the past ten years, ninety-five percent in the workforce have largely been sedentary; their job involves sitting in front of the computer for long periods of time. Only five percent are required moderate activity. Stress related injury (SRI) and problems with vision were acquired by at least 95 people who had this job for a while. There are no major medical health risks for the 170 men and 182 women (22%) from this group. Respiratory disorder is the 26 percent of the group problem because they are heavy smokers. There are 720 people who are obese in this group because of the heavy sedentary lifestyles, eating habits, and lack of exercise. This also means that there are increased risk of diabetes, hypertension, high cholesterol and cardiovascular diseases. Plan Analysis Based on the plans, I would recommend Castor Standard to Constructit and not to provide insurance to E-editors. Since Castor Standard does not cover pre-existing conditions, the risks of providing this plan are low. The premium that Constructit will be responsible annually is $3,428, with Castor Collins Health Plan earning $3. 43 million. Given the health profile and the expected utilization of services for E-editors, I think that not providing insurance is the right decision. There is a high risk of insuring this group and whatever Castor Collins earns from this group are inadequate to cover those risks. The goal is to maximize earnings. If E-editors are willing to pay a different premium they will be considered by providing an appropriate plan that minimized risks and increased earnings. Risk-averse consumers buy health insurance to avoid losing income or wealth when they are unwell. In other words, consumers pay insurance premium to transfer their risks of medical expenses to the insurance company. The premium that Castor Collins receives is a source of revenue. It is compensation for bearing risk and for bearing expenses such as payment to health care providers. If Castor Collins know that a particular group of enrollees is more susceptible to a particular disorder, its risk for providing coverage for that disorder is higher. However, if, as in the case of Constructit and E-editors, a group of individuals is not willing to pay a higher premium to cover greater risks, Castor Collins may not be able to provide coverage for greater risks. Therefore, while selecting a plan and the services to provide under that plan, Castor Collins has to weigh various considerations – the premiums that enrollees are willing to pay, the risks of providing a particular plan or service, the expected utilization and hence, the costs, of providing various  services in the plan, and the premium Castor Collins needs to charge to maintain profitability.

College Essay Essay

Why is college important to me? College is important to me for many reasons. One being, my future goals will be unattainable without it. Also, I would be setting a good example for my kids once they reach the age to further their education. Another reason being, I never imagined I would finally make it to college. There are many more reasons as to why, but these are just a few reasons why college is important to me. I believe everyone should fight for their dreams. By setting goals, you have a plan and steps to follow in order to accomplish whatever dream you want. The world today runs on how successful a person is as well as how much money an individual has. I have always wanted to be a criminal psychologist. No matter what, I am going to need a doctorate degree. But, what if people cannot afford that or do not want to complete that much schooling? If you do not have some amount of post secondary schooling, you are not going to be as successful as someone who does have that education. â€Å"Occupations that typically require post secondary education for entry have higher wages. (BLS)† America runs on money. Everything costs a certain amount. Therefore having a post secondary education is what will get you far in life. It will help you gain the success you strive for. With a higher education, you can also live a more comfortable life without having to worry about financial problems, because you have a higher education and therefore more knowledge about a profession. I am constantly striving to do my best so that when I have kids they know what it entails to lead, not only a successful life, but also a comfortable, worry free lifestyle. My parents never went to college. The highest level both my parents had was a high school diploma. I never had an example of someone who went to college or got that kind of education. I was never one of those children who always knew where they were going to college because they were going to follow in their parent’s footsteps. Due to my parents lack of post secondary education, as well as no education on how to handle finances, my parents always had bill collectors calling. We were in extreme debt and my parents never knew what they could afford. Instead they would just spend money like it was growing on trees. I do not want any of this for my children. If I want to be able to spend money like there is no limit, then I know I need an education that can support the financial needs for my family and me. If that means getting a doctorate degree and still furthering my education after that, then that is what I will do. I don’t want my children to have to see me getting calls from bill collectors. It can be very scarring. College will always be recommended for that. It will always be something in the forefront of their minds. College was never something that I ever thought I would accomplish. Due to my parents not going to college, I never thought it was expected of me or it was even that important. Once I got into high school, everyone would talk about what kind of profession they wanted to be in and what college they wanted to go to. Everyone would worry about their grades, sports, and the electives they were a part of. They were all worried about what it would look like to college admissions counselors. I was never like that, until I moved out of my mom’s house. I was placed in a foster home during my junior year in high school. It started out okay. I had two sisters and everyone was nice. But after a while, I just wanted out. My senior year had came and I started applying to the colleges that were farthest away. I wanted to be no where near where I was from. I did not want anyone to come visit me. So, Ohio State became my dream. It was cold, always snowing, so naturally, no one would want to go there. It never happened because of other events that ended up occurring in my life. However, if I had never been placed in a foster home, college would have never been a thought in my mind. In the end, I went to cosmetology school and I am now taking online classes majoring in criminal justice. College is one of the most important things someone can do in life. Today, not many professions are attainable without a college degree or being certified in some kind of industry. Children need to be shown from an early age that college is always going to be an expectation for them so they can live a successful life. I am striving to do what I love to do. I am going for my dream, just like what Steve jobs said: â€Å"You’ve got to find what you love†¦ Your work is going to fill a large part of your life, and the only way  to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. (Isaacson, 2011)† My grandfather always told me that if I love what I do, I will always be good at it. I truly believe that! Works Cited Bureau of Labor Statistics. 2012. Education and Training Outlook for Occupations. http://www. bls. gov/emp/ep_edtrain_outlook. pdf. Isaacson, Walter. 2011. Steve Jobs. New York: Simon & Schuster.

Business Report of Studentbeans Website Essay Example | Topics and Well Written Essays - 1250 words

Business Report of Studentbeans Website - Essay Example The three sections of website are: Easy money, Student 101 and World Weird Web. The goal is make students life in college as impressive and easy as possible. Unlike other students card saver schemes, this website is easy to use and does not cost one any money, registration is free. One is allowed to add or comment on areas that need improvement (Studentbeans Website). Background of the Study University life is such hard times for some students especially those from humble and unsupportive backgrounds. The challenges vary from financial, academic to social. Lack of adequate food and money for survival is a common phenomenon. Boring lectures, complicated assignments and marks awarding that depends on the student-lecturer relationship, uncooperative roommates and misleading friends is yet another problem. Another one is the search for ideal partners, relationship related problems and so on. Suicide, drinking, seeking spiritual support and attempt to live beyond means are some of the sol utions to their problems. Hence, students always need advice on budgetary control and interactive forums to learn from each other and be able to cope with life. Studentbeans website is such a brilliant idea. The Easy Money section of the website is concerned with saving money when required. Articles in this section cover topics such as hints, tricks and advice about saving cash, making money and working on a budget. The students 101 stories are concerned with campus life and anything that is appealing in the university life. Stories can either be funny or serious but must be appealing and educating. The world weird web contains fascinating, amusing and bizarre stories that make people go crazy. They are rated on the basis of credibility and freshness. The subdivision of sections is such a revolution because other sites do not categorise their sites according to sections (Studentbeans Website). In the modern business world, companies are charged with the task of making decisions abou t strategic uncertainty of what other companies might wish to do. These decisions vary from future market sizes, costs, and economic situations to bureaucracy. This means that companies are playing games with others, a game that involves a player and a chance. In this game, companies must take into account the role of information and awareness and what other companies can do or not. Studentbeans serves to provide students with money saving advice, games, discounts, content and articles related to life. In so doing, they have attracted hundreds of subscribers across the universities in the United Kingdom. Having analyzed other services provided to students such as students’ card saver schemes, the assumption is that the site is cheap (Hofer 1975, p84). Case Study Analysis Within any industry or market, some companies or organisations will surely outperform others. Like resources, capabilities are a valuable in a company in helping create a strong demand for its products and se rvices and lowering its costs. Similarly, the strategies that a company adopts can help it acquire new resources and capabilities or enhance the already existing resources and capabilities. Competitive advantage is the strategic advantage of a particular business venture over other businesses of the same (Hill & Jones, 2012 p13). Competitive Advantage Theory The theory was stipulated by Michael Porter in 1985.

Database management systems Research Paper Example | Topics and Well Written Essays - 2500 words

Database management systems - Research Paper Example Organizing and maintaining such enormous amount of data in only papers is almost impossible. If back up is not maintained properly, the business might lose critical information which could lead to losses. Thus, the migration of existing and current data to cloud based platform will require well defined architecture as well as strategies. The cloud database model should have specific objectives in line with policies of the organization. The model should also include sufficient security, encryption, and control over information which will be transferred. The biggest challenge lies in maintaining the balance between speed of data transfer, cost of data transfer, data accuracy and consistency. If all these aspects of cloud database management are not ensured then the consequences could be data loss, wrong location data placement or data alteration during transfer process. Even though cloud based computing platforms are becoming popular, especially for e-business and MNCs, due to cost eff iciency, there are issues related to data safety, speed and security. The objective of this paper is to critically analyze the cloud database by pointing out disadvantages of cloud data. Introduction and Background of the Research The cloud computing technology has been receiving significant attention in the market lately. For many sectors and companies in various industries, cloud is not just an umbrella for marketing but a consolidated technology that offers grid computing, SAAS (software as a service), distributed computing, and so on. There are many companies that offer cloud services including Amazon RDS and Microsoft SQL Azure. A cloud database is basically a database management system that runs on cloud computing platform (Curino, pp.1-2). Some of the cloud computing platforms are Go Grid, Amazon EC2, and Rack space. (Source: Curino and et.al, n.d, p.2) The main vision on the basis of which cloud computing was developed is based on certain key features that cloud database is expected to perform. Some of the important features that was kept in mind while creating cloud data platform were data storage, processing, software installation, software delivery from local servers and desktops across various networks. The key concept was that the target users must get access to remote data from anywhere at any time without requiring to carry a hard drive or other storage device. The concept was created to free big corporations from generating own power and capital investment. Thus, the most important candidate of cloud computing is the database management applications. The main reason behind this is that large corporations spend huge sum of money to safely manage enterprise data which involves upfront investment in both hardware and patented software services. The advantage that the different enterprises would get from cloud computing is that they could reduce their annual data management cost significant with the help cloud database. By using cloud data the comp anies will not have to install, own and maintain dedicated expensive software packages. The reason is that cloud computing service providers or vendors provide their customers with virtual machines or platforms from where the customer will be able to install and manage software services without having to own and store a version in their

Assisting Teachers to choose the appropriate e-learning tool PART 2 Assignment

Assisting Teachers to choose the appropriate e-learning tool PART 2 - Assignment Example A goal of Blooms nomenclature is to motivate teachers to focus on all three areas, creating a more rounded form of teaching. Blooms nomenclature is considered to be an introductory and essential component within the teaching community. A tradition has developed around the nomenclature, possibly due to countless people learning about the nomenclature over second hand data. Bloom himself reflected the Handbook "one of the highly cited yet least read in American teaching". ISTE Values (formerly the NETS)Â  for Instructors (ISTE Standards) are the principles for estimating the skills and information educators need to instill, work and study in a progressively connected universal and numerical society. As technology incorporation continues to surge in our society, it is vital that teachers retain the skills and comportments of digital age specialists. Moving onward, teachers need to become contented being co-learners with their apprentices and coworkers worldwide. An algorithm is an involved way to clarify your philosophies using step-by-step directions. A clear procedure basically means that not only you can comprehend it, but persons who are relying on your procedure in order to comprehend your notion can do as well. A procedure that is perfect however, is not fundamentally correct. The good thing about a language is that there exists numerous ways to extant one idea. A correct procedure means that it will essentially perform as anticipated. Efficacy can be termed as working fast and accurately. Would you quite have a game that opened in 10 or 5 minutes? That can be exacted by your algorithm’s efficacy. Having an effectual algorithm means it operates as smoothly as probable and in the least amount of time. A clear system consists of proper classification. For instance while writing a package; you might have variables whose information is dog, pink and

Intrapreneurship and Entrepreneurship Essay Example | Topics and Well Written Essays - 1750 words

Intrapreneurship and Entrepreneurship - Essay Example Still, entrepreneurship is limited in resources (including financial resources) and has fewer possibilities to compete on the global scale. The paper will discuss differences of concepts, their piratical application, the main driven forces and risk related factors. The study of new venture development and entrepreneurship as a process, and the study of the early stages of the business life cycle, belong as much or more to marketing than to any other business function. Indeed, some argue that the very term management may be somewhat in definitional conflict with the term entrepreneurship (Clark and Lee 2006). Further, the entrepreneurial spirit can be hypothesized that marketing is the organizational function most dominated by boundary agents; by open interactive systems; and by truly entrepreneurial activity. Market opportunity analysis, new product development, the diffusion of innovation, and marketing strategies to create growing firms are at the heart of both marketing and entrepreneurship. These also represent the most relevant, existing marketing literature bases. Entrepreneurship as defined by Burns (2001) focuses on opportunity and is therefore particularly relevant to the marketing interface; it is the process of creating value by com bining resources to exploit an opportunity. Although entrepreneurship requires innovation, not all innovation is entrepreneurial. There is an extensive body of knowledge on creativity in science and the arts that does not involve "the commercial or industrial application of something new--a new product, process, or method of production; a new form of commercial, business, or financial organization" (Burns 2002, p. 54). Pinchot and Pellman (2000) explain that "intrapreneurs are linked to the speed and cost-effectiveness of technology transfer from research and development to the marketplace" (p. 45). The researchers claim that Intrapreneurship is often associated with inventions that come up with new products and new processes. There is also considerable research on innovation and the management of research and development that deals with an end product of ideas or objects whose ability to deliver economic value has yet to be tested. In the entrepreneurship literature, innovation is coupled with its ability to create economic v alue. Whether done by an individual or a team, there is general agreement that entrepreneurship involves an act by a motivated individual who innovates by creating value through