Essay --

I’ve heard it said that even the greatest of men are wise enough to fear the dark; whether that fear is rational or not, I’m not sure I’m worthy to judge. But until you’ve felt the dark and experienced the cold depths of it enveloping your soul, I’m not really sure you truly know what it is to fear. Manhattan, New York, 1977. The sweltering July summer left the dense city feeling sluggish and apathetic. I’d spent the day switching between my new television set and my open window (of course our a/c would break in the hottest month of the year), and I planned on walking a few blocks over to my friend’s house so I could spend the night in her wonderful air conditioned home. My mom was at work, probably wouldn’t be back until dawn, and so I was alone when dusk came, the sky still aglow from the bright lights of the city and the last remnants of daylight. I grabbed my duffel bag and headed out, eager to get to Jenny’s and relax in the cool air. I had just stepped into the hallway outside the apartment when it happened; there was a sort of jolt in the air. Suddenly, a buzzing noise could be heard, growing louder each passing second, as if someone was turning up the bass on an exponentially-loud amplifier. As the sound grew in decibels, the lights in the hallway flickered and became brighter, brighter, brighter, so bright I had to wince to look up at them. I swung open the door to the apartment to find all the lights on full blast, shining so brightly my skin began to burn. Slamming the door shut, I slid 2 down to the floor in the hallway and shut my eyes tight, too frightened to leave my apartment building. I was scared, sure, but soon I would find out what real fear feels like. A few minutes passed when, finally, the glare behind m... ...e, when I saw a single figure hunched over on the subway bench. Every instinct in my mind told me not to approach the shade before me. I pictured ghosts and spirits around it, waiting to prey on me, the Good Samaritan, very, very, far from Kansas. But I knew that I had to reach out and touch her, my mother had taught me that much. At their darkest hour, the wisest of men are no different than us, the same battery acid pumps through their veins, and the same fear cripples them. What we all feel together remains unanimous. At that moment, when I reached out to that sobbing woman, I saw my mother, and that dark subway tunnel was brighter than any human eye could have observed. There we sat together, until the lights shuttered their return, holding one another in utter darkness, not saying a word or identifying each other, but hearing and seeing the love between us.

Characterstics of Laptop

Answer: Portability is usually the first feature mentioned in any comparison of laptops versus desktop pcs. Physical portability allows that a laptop can be used in many places† not only at home and at the office, but also during commuting and flights, in coffee shops, In lecture halls and libraries, at clients' location or at a meeting room, etc. The portability feature offers several distinct advantages: a.Productivity: Using a laptop in places where a desktop PC cannot be used, and at times that would otherwise be wasted. For example, an office worker Is managing heir e-mails during an hour-long commute by train, or a student doing his/her homework at the university coffee shop during a break between lectures. b. Immediacy: Carrying a laptop means having instant access to various Information, personal and work files. Immediacy allows better collaboration between coworkers or students, as a laptop can be flipped open to present a problem or a solution anytime, anywhere. . up- to-date information: If a person has more than one desktop PC, a problem of synchronization arises: changes made on one computer are not automatically propagated to the others. There are ways to resolve this problem, Including physical transfer of updated files (using a USB flash memory stick or cdrs) or using synchronization software over the Internet. However, using a single laptop at both locations avoids the problem entirely, as the files exist in a single location and are always up-to-date. d.Connectivity: A proliferation of WI-FI wireless networks and cellular broadband data services (HSDPA, EVDO and others) combined with a near-ubiquitous support by laptops means that a laptop can have easy Internet and local network connectivity while remaining mobile. Wi-Fi networks and laptop programs are especially idespread at university campuses. [ Other advantages of laptops: e. Size: Laptops are smaller than desktop pcs. This is beneficial when space is at a premium, for example in sm all apartments and student dorms.When not In use, a laptop can be closed and put away. f. Low power consumption: Laptops are several times more power-efficient than desktops, A typical laptop uses 20-90 W. compared to 100-800 W for desktops. This could De partlcularly DeneTlclal Tor Duslnesses (wnlcn run nunareas 0T personal computers, multiplying the potential savings) and homes where there is a computer running 2417 (such as a home media server, print server, etc. g. Quiet: Laptops are often quieter than desktops, due both to the components (quieter, slower 2. -inch hard drives) and to less heat production leading to use of fewer and slower cooling fans. h. Battery: a charged laptop can continue to be used in case of a power outage and is not affected by short power interruptions and blackouts. A desktop PC needs a UPS to handle short interruptions, blackouts and spikes; achieving on-battery time of more than 20-30 minutes for a desktop PC requires a large and expensive UPS. i. Al l-in-One: designed to be portable, laptops have everything integrated into the hassis.For desktops (excluding all-in-ones) this is divided into the desktop, keyboard, mouse, display, and optional peripherals such as speakers. 2. Characteristics of Super Computer: A) A supercomputer is the fastest type of computer. Supercomputers are very expensive and are employed for specialized applications that require large amounts of mathematical calculations. The chief difference between a supercomputer and a mainframe is that a supercomputer channels all its power into executing a few programs as fast as possible, whereas a mainframe uses its power to execute many programs concurrently.B) Supercomputers are used for highly calculation-intensive tasks such as problems involving quantum mechanical physics, weather forecasting, climate research, molecular modeling (computing the structures and properties of chemical compounds, biological macromolecules, polymers, and crystals), physical simulati ons (such as simulation of airplanes in wind tunnels, simulation of the detonation of nuclear weapons, and research into nuclear fusion), cryptanalysis, and many others. Some supercomputers have also been designed for very specific functions like cracking codes and playing chess; Deep Blue is a famous chess-playing upercomputer.Major universities, military agencies and scientific research laboratories depend on and make use of supercomputers very heavily. C) A supercomputer generates large amounts of heat and therefore must be cooled with complex cooling systems to ensure that no part of the computer fails. Many of these cooling systems take advantage of liquid gases, which can get extremely cold. D) Another issue is the speed at which information can be transferred or written to a storage aevlce, as tne speed 0T data transTer wlll Ilmlt tne supercomputers performance. Information cannot move faster than the speed of light between two arts of a supercomputer.E) Supercomputers consum e and produce massive amounts of data in a very short period of time. Much work on external storage bandwidth is needed to ensure that this information can be transferred quickly and stored/retrieved correctly. 3. Characterstics of Main Frame Computer? a. Modern mainframes can run multiple different instances of operating systems at the same time. This technique of virtual machines allows applications to run as if they were on physically distinct computers. In this role, a single mainframe can replace higher-functioning hardware services available to conventional servers.While mainframes pioneered this capability, virtualization is now available on most families of computer systems, though not always to the same degree or level of sophistication b. Mainframes can add or hot swap system capacity without disrupting system function, with specificity and granularity to a level of sophistication not usually available with most server solutions. c. Modern mainframes, notably the IBM zSeri es,System z9 and System ZIO servers, offer two levels of virtualization: logical partitions (LPARs, via the PRISM facility) and virtual machines (via the zPv'M operating system).Many mainframe customers run wo machines: one in their primary data center, and one in their backup data center †fully active, partially active, or on standby†in case there is a catastrophe affecting the first building. Test, development, training, and production workload for applications and databases can run on a single machine, except for extremely large demands where the capacity of one machine might be limiting. Such a two- mainframe installation can support continuous business service, avoiding both planned and unplanned outages.In practice many customers use multiple mainframes linked either by Parallel Sysplex and shared DASD (in IBM's case)[citation eeded], or with shared, geographically dispersed storage provided by EMC or Hitachi. d. Mainframes are designed to handle very high volume i nput and output (1/0) and emphasize throughput computing. Since the late-1950s, mainframe designs have included subsidiary hardware (called channels or peripheral processors) which manage the 1/0 devices, leaving the CPU free to deal only with high-speed memory. It is common in mainframe shops to deal with massive databases and files.Gigabyte to terabyte-size record files are not unusual. [7] Compared to a typical PC, mainframes ommonly have hundreds to thousands of times as much data storage online, and can access it much faster. [citation needed] Other server families also offload 1/0 processing ana empnaslze tnrougnput computlng. e. Mainframe return on investment (ROI), like any other computing platform, is dependent on its ability to scale, support mixed workloads, reduce labor costs, deliver uninterrupted service for critical business applications, and several other risk- adjusted cost factors. . Mainframes also have execution integrity characteristics for fault tolerant comput ing. For example, z900, z990, System z9, and System ZIO servers ffectively execute result-oriented instructions twice, compare results, arbitrate between any differences (through instruction retry and failure isolation), then shift workloads â€Å"in flight† to functioning processors, including spares, without any impact to operating systems, applications, or users.This hardware-level feature, also found in HP's Nonstop systems, is known as lock-stepping, because both processors take their â€Å"steps† (i. e. instructions) together. Not all applications absolutely need the assured integrity that these systems provide, but many do, such as financial transaction processing.

Diagnosis of Infected Patient Essay - 678 Words

M21 Essay: Diagnosis of an Infected Patient Essay As we know bacteria comes in various classes and are distinguished by their shapes, chemical configuration, source of energy either sunlight or chemicals, nutritional requisites and biochemical actions. We have a patient that may be infected with an unknown bacterial infection; we’ve collected a sputum sample and will be testing for one of the following genera: Bacillus, Escherichia and Mycoplasma. In order to determine which one of the three may be the source of the infection we have to recognize the characteristics of each one and the staining protocol needed to identify them. All three of the above mentioned genera are considered to be members of the Prokaryotic cell family†¦show more content†¦Let’s begin with Mycoplasma because this genera has a very thin or lacks a cell wall we will consider this a â€Å"Gram- positive† bacteria. If mycoplasma retains its structure, size and capsules that’s an indication of the type of bacteria causing the infection in the patient. Bacillus are part of the prokaryotic cell family containing a thin layer of peptidoglycan; however they are spore forming; this trait helps to identify them as â€Å"gram-positive†. Step (1) in the staining process is adding the sputum to the slide, step (2) is applying heat to the sample, step (3) adding crystal-violet dye which turns the cytoplasm cells purple and applying mordant to the specimen, step (4) wash with de-coloring solution (alcohol) which causes the peptidoglycan to become more impermeable crystal –violet and iodine, step (5) counterstain is absorbed and is masked by the primary purple dye that was previously absorbed by the â€Å"gram-positive† cells (pg. 86). It’s during this step when the microbes are identified. While the bacillus is in the aging process some cells die and give the appearance of gram-negative bacteria; these are known as â€Å"gram-variable† (Tortora, 2013). Escherichia (E.coli) these rod shaped microorganisms have a thick outer membrane; however they are non-spore forming; therefore they are considered â€Å"gram-negative† cells. The steps in the staining of â€Å"gram-negative†Show MoreRelatedDiagnosis of an Infected Patient Essay1061 Words   |  5 PagesDiagnosis of an Infected Patient Infection is the invasion and growth of microorganisms such as bacteria, viruses, and parasites that are not normally present within the body. A prokaryotic cell is a simple cell that does not have a nucleus. One of the most common types of prokaryotic cells is a bacterium. Bacteria are differentiated by many factors including shape, chemical composition, nutritional requirements, biochemical activities, and sources of energy (Tortora 76). A patient withRead MoreTuberculosis1443 Words   |  6 Pagessurvive in its human hosts. About one-third of the human population has tuberculosis. This highly contagious disease is spread through droplets in the air when an actively infected person coughs, spits, talks, sings, or sneezes and an uninfected person is close and catches the bacteria by inhaling it. A large majority of those infected do not have symptoms, which is known as latent tuberculosis. Ten percent of those with latent TB developed an active infection in their lifetime and about half of thoseRead MoreA Study On Lyme Disease1118 Words   |  5 Pagesthey have fed from an infected host such as small mammals, like mice and squirrels, however, when the tick matures into adult, it prefers the white tailed deer as a host (Kruger, p.23, 2010). The deer themselves do not carry the disease, however they play an important role in the spread of this spirochete. The deer tick only infects it’s host with the Borrelia burgdorferi at the end of a feeding cycle, therefore a tick must be attached to a human for 2-3 days before being infected. Because the deer tickRead MoreThe Epidemic Of Tuberculosis, Kenya, Uganda And The Democratic Republic Of The Congo1665 Words   |  7 Pagesspread through person to person. It is curable and preventable, but may be fatal if not treated. (The World Health Organisation) (2015a) The world health organisation (WHO) (2015b) reports that 95% of these deaths are in resource poor areas. This essay will focus on Sub-Saharan Africa, an area with a wide proportion of resource poor settings. WHO (2015d) estimated around 3.2million people in Africa to have TB, with a mortality rate of 450,000. Ethiopia, Kenya, Tanzania, Uganda and the DemocraticRead MoreThe Prevention Of Infectious Disease1596 Words   |  7 Pagesis through Heterosexual contact with an infected male. (Epidemiology) Additionally from 2008 to 2012 African Americans made up roughly 46% of diagnosed cases of HIV infection.(Epidemiology) It should be noted that there is a socioeconomic disparity of HIV infection within the inner cities. (Disproportionately affecting the poor and homeless) HIV Routes of Transmission HIV is a blood borne pathogen meaning it is transmitted through contact with an infected person’s blood, such is the case with intravenousRead MoreRole Of International Health And Security Organisation1529 Words   |  7 Pages ESUS 3 Coursework Essay Final Draft Title: Assess the role of international health and security organisation in responding to global epidemics. Focussing on two specified organisations, and based on your findings; indicate which strategies, must be placed in order to ensure preparedness for future epidemics. Epidemics Prevention Word count: 1553 Student name: Ali Alnassir Student number: 2260914 Tutor: Dominika Comas Submission date: 26.07.2016 The world is facing an increaseRead MoreTuberculosis : Tuberculosis And The World Health Organization1220 Words   |  5 PagesTuberculosis Epidemiology According to the Centers for Disease Control and Prevention (CDC) in 2014, 9.6 million Americans were infected with the Tuberculosis (TB) disease. Over the years many programs and initiatives have been implemented to decrease the occurrences of TB disease in America. As long individuals are educated on the prevention of tuberculosis fatal complications can be prevented through early treatment. The purpose of this paper is to discuss the description of Tuberculosis andRead MoreCancer Is The Common Feeling Of Fear And Anxiety Of Life And Death Situation1417 Words   |  6 Pagesand loved ones to accept the reality of tumor or growth and hand out any kind of information has to be provided immediately after the diagnosis. All kind of tumor bring out from a biopsy of the site, and as a caregiver, it is essential to know the category of growth along with the present condition. There are numerous kind of materials available for cancer patients and relatives but, it is responsibility of nurse to collect and arrange accurate information for client and families. The origin of variousRead MoreNursing Malpractice And Negligence And Its Effects On Patients Essay1094 Words   |  5 PagesEffects on Patients There are many different variations of healthcare professionals that assist people in regaining and maintaining a healthy lifestyle. The career field of licensed nursing is often considered to be one of the most vital professions within the medical community. Registered nurses work to prevent and heal various different types of injuries, diseases, and illnesses. They are also responsible for administering a variety of patient services, consisting of individual patient care, analyzingRead MoreAntimicrobial Drug Resistance 1539 Words   |  7 Pages(MDR-TB) (Better Health Channel, Antibiotic resistant bacteria). The most common reasons of increasing antibiotic resistant problem are over and unnecessary prescribing of antibiotic and bacterial transmission from the hospital settings. Doctors and patient both sometimes do not maintain the bio-ethical consideration for the antibiotics resistant. In an under-develop country of Bangladesh, bio ethical consideration maintaining is almost absent. People expected doctor or pharmacist to prescribe antibiotics

Foreshadowing in Narratives

Foreshadowing (for-SHA-doe-ing) is the presentation of details, characters, or incidents in a narrative in such a way that later events are prepared for (or shadowed forth). Foreshadowing, says Paula LaRocque, can be a highly effective means of preparing the reader for what is to come. This storytelling device can create interest, build suspense, and provoke curiosity (​The Book on Writing, 2003). In nonfiction, says author William Noble, foreshadowing works well, so long as we stay with the facts and not impute motivation or circumstance that never happened (The Portable Writers Conference, 2007). Examples and Observations In the opening of The Wizard of Oz, set in Kansas, the transformation of Miss Gulch into a witch on a broomstick foreshadows her reappearance as Dorothys enemy in Oz.The witches in the opening scene of Shakespeares Macbeth foreshadow the evil events that will follow.[In My Journey to Lhasa, Alexandra] David-Neel . . . creates suspense with present tense, we look as if we are starting for a mere tour of a week or two, and foreshadowing, these spoons became, later on, the occasion of a short drama in which I nearly killed a man.(Lynda G. Adamson,  Thematic Guide to Popular Nonfiction. Greenwood, 2006) Foreshadowing as a Form of "Backwriting" Foreshadowing can be, in fact, a form of back writing. The writer goes back through the copy and adds foreshadowing to prepare the reader for later events... This does not mean that you are going to give away the ending. Think of foreshadowing as setup. The best foreshadowing is subtle and is woven into the story--often in multiple ways. In this fashion, foreshadowing helps build tension and gives resonance and power to the story. (Lynn Franklin, Literary Theft: Taking Techniques From the Classics. The Journalists Craft: A Guide to Writing Better Stories, ed. by Dennis Jackson and John Sweeney. Allworth, 2002) Foreshadowing in Nonfiction With nonfiction, foreshadowing works well, so long as we stay with the facts and not impute motivation or circumstance that never happened. . . . No he should have thought... or she might have expected... unless we back it up factually.(William Noble, Writing Nonfiction--Using Fiction. The Portable Writers Conference, ed. by Stephen Blake Mettee. Quill Driver Books, 2007) [Alexandra] David-Neels seven chapters [in My Journey to Lhasa: The Classic Story of the Only Western Woman Who Succeeded in Entering the Forbidden City] describe harrowing travel to Thibet* and Lhasa. She creates suspense with present tense, we look as if we are starting for a mere tour of a week or two, and foreshadowing, these spoons became, later on, the occasion of a short drama in which I nearly killed a man.(Lynda G. Adamson, Thematic Guide to Popular Nonfiction. Greenwood Press, 2006) * variant spelling of Tibet Chekhov's Gun In dramatic literature, [foreshadowing] inherits the name Chekhovs Gun. In a letter, he penned in 1889, Russian playwright Anton Chekhov wrote: One must not put a loaded rifle on the stage if no one is thinking of firing it. Foreshadowing can work not only in narrative forms but also in persuasive writing. A good column or essay has a point, often revealed at the end. Which details can you place early to foreshadow your conclusion? (Roy Peter Clark, Writing Tools: 50 Essential Strategies for Every Writer. Little, Brown, 2006)

Figurative Language In Oedipus And Shakespeare - 1183 Words

Sophocles and Shakespeare were both literary artists that published works that have been respected and relevant centuries later. The unique language in historical literature assists in their interpretation and their relevance to modern understanding. The masterful wielding of language, diction, and metaphor contribute to various aspects of their work, adding both elements of drama and realism. By incorporating significant words and lines into their writings, Shakespeare and Sophocles create consistent and fluid plays and stories throughout their lives that offer timeless entertainment. The manipulation of speech seen through various characters such as Teiresias, Oedipus, Margaret, Richmond and Anne play a substantial and crucial role in†¦show more content†¦This juxtaposition of his persona between the two situations shows that Oedipus has fallen out of favor despite his previous heroic actions, and develops his changing character as someone who has turned to arrogance and i gnorance instead of believing anyone else’s advice. This distinguishes Oedipus as a protagonist who started out good and turned bad through the personality traits that arose when unfortunate circumstances occurred. This can be compared to the view of Richard in Shakespeare’s Richard III. Richard from the beginning is referred to in negative terms; Anne calls him a â€Å"dreadful minister of hell† (1.2.47) and similarly, Queen Margaret tells him to â€Å"hie thee to hell for shame, and leave the world, thou cacodemon!† (1.3.143-145). This view of Richard is seen through until the end, when Richmond calls him the â€Å"wretched, bloody, and usurping boar, that spoil’d your summer fields and fruitful vines, swills your warm blood like wash, and makes his trough in your embowell’d bosoms† (5.2.?). Through Richmond, Shakespeare uses figurative language in relating Richard to a boar (the emblem of Richard’s house) and casts him again in a negative light. As seen throughout Richard III, other than those who have been fooled by him, he is seen as a generally violent andShow MoreRelatedClassification of Literature3483 Words   |  14 PagesSonnet Song Elegy POINT OF COMPARISON | PROSE | POETRY | Form | Paragraph | Verse | Language | Words and rhythms of ordinary and everyday language | Metrical, rhythmical, figurative language | Appeal | Intellect | Emotions | Aim | Convince, Inform, Instruct | Stirs the readers imagination, present an ideal of how life should be and how life can be | A. Prose –is an ordinary form of written or spoken language without rhyme or meter, either fiction or nonfiction.Prose is writing that resemblesRead MoreLiterary Criticisms of Shakespeare’s Hamlet Essay1234 Words   |  5 Pages/ And I am sick at heart (I.i.8-9),(1) a foreshadowing of Prince Hamlets melancholy† (Doloff). Shakespeare created this character to indicate Hamlet’s prevalent sadness throughout the play. However, Shakespeare may have intended to give Francisco much more meaning. â€Å"The sentrys foreshadowing of the prince may, indeed, be seen to extend even further, by way of Franciscos embodiment of a figurative injunction against suicide, variously found in well-known works of Shakespeares day† (Doloff). ByRead MoreHumanities Test4641 Words   |  19 Pagesdellearte specialize in? 6.   What is satire? a literary genre or form, although in practice it is also found in the graphic and performing arts, or a literary technique that attacks foolishness by making fun of it. 7. ( T or F ) The prophecies in Oedipus Rex turn out to be wrong. True 8. One actor on stage, speaking his private thoughts aloud is an example of: Soliloquy 10. Satire does what: 11.   Only the opening sentence survives of : Aristotles essay on comedy pg 236 12.   ( T or F ) SatireRead MoreAmerican Literature11652 Words   |  47 Pageswords. The object of writing a poem is usually to make a very complicated statement using as few words as possible; as Laurence Perrine says, poetry may be defined as a kind of language that says more and says it more intensely than does ordinary language (517). Thus every word and stanza is packed with meanings. Poetic language could be said to have muscle because, in a sense, it is powerful. When a poet writes, he is trying to communicate with the reader in a powerful way. He uses the elements of

Personal risk management plan Free Essays

Risk and costs happen all the time in our lives. Everyone will encounter a variety of risks. A risk management plan is a process that identifies loss exposures faced by an organization and selects the most appropriate techniques for trading such exposures. We will write a custom essay sample on Personal risk management plan or any similar topic only for you Order Now The first step for all of the risk plans is identifying the loss exposures. The first kind of loss exposure I’m identifying is health loss exposures. This kind of loss exposure can be costly, such as disability, sickness or even premature death. The second loss exposure is property loss, such as pet damage for the apartment. I have a cat for which I have to pay a deposit for it to live in the apartment, but it may damage the apartment and that will cost me; it’s a loss exposure. Loss of equipment can be a property loss such as a lost cell phone in class, a stolen Pad or a laptop left in the library. I lost my pod before and I know I will never get it back. Also, bank accounts or online accounts can be stolen or used by someone else. Car theft or a car accident can be accounted as a property loss. If the car gets stolen or if it gets into an accident, such as no fault, fault with property damage or fault with bodily injury, I won’t have anything to drive. The third one, for me, is the foreign loss exposures. Because I’m from a foreign country, I have to travel to go back home so when I take the plane, some loss exposures exist, such as acts of terrorism on the plane or at the airport, accidents, and lost baggage in the airport with all my belongings inside. Sometimes, when I purchase plane tickets I also purchase the flight insurance to cover up the loss if anything happens. Also the currency lost exposures are also under the foreign loss exposures. For example, I bought Chinese currency when the exchange rate was 1 :8 and now the exchange rate change to 1:6, I lost part of my money because of the change of the currency in the market and the possibility that the rate may keep dropping throughout times. The fourth catalog I have is the crime exposures including robbery and fire damage. In addition to the big part of crime exposures, there are Internet and computer loss exposures and identify loss, such as losing your passport or ID card. The second step for a risk management plan is to analyze the loss exposures and he third step is to select an appropriate risk management technique for treating the loss exposure utilizing the risk management matrix. There are a number of changes of loss under the health loss exposure catalog. According to my insurance policy, sickness is identified as â€Å"Illness or disease which first manifests itself, is contracted or commences, and for which a licensed physician identified diagnosis is recorded during the period the Insured Person’s coverage is in force†. The probability of me getting sick during the flu season is really high. I may have to go to the clinic to get reattempts and skip classes, which will cost me the chance to be in class and learn knowledge. For that circumstance, the loss frequency is low and the loss severity is not high, either. If I missed class while I was in the clinic, I could get an excuse for being sick. I could also ask my classmates for the notes and even email my professors to ask what I missed and study it by myself, after all. Depending on the risk management matrix in the case, my getting the flu fits the retention technique. But if I get a horrible virus from the flu that causes me to stay in the hospital and be absent or a few days, the loss severity will be higher because the cost of recovery will be higher and the cure time will be longer. In that case, I need the medical insurance that Marshall University requires all the international students to have. The medical expense benefits under the policy are the maximum benefit of $250,000 per injury and sickness with the deductible of $50 per policy year. The policy will pay 90% of the POP (preferred provider organization) allowance for covered medical expenses incurred until an out of pocket maximum of $5,000 has been met; then 100% of POP allowance is paid thereafter, and the accidental death benefit is $1 5,000 per life. From the technique of risk management, we can tell this kind of loss with low loss frequency and high severity belongs to the insurance. The insurance company won’t mind if it happened one time. Nonetheless, this kind of loss can be avoided easily, like keeping myself warm and washing my hands more often, not going out in the public so frequently during the flu season. Damage to my 2012 Mazda 3 because of a collision with another vehicle, nature, or another hazard would be handled through this risk management plan technique of insurance. My current auto policy has both the comprehensive coverage and collision coverage with a deductible set at $1,000 on each. Bodily injury liability of property damaging limit for each accident is $25,000; medical payments coverage for each person is $5,000. Uninsured motor vehicle coverage is If I get in an accident damaged the car and have to put it into the shop, I have the car rental and travel expenses coverage, and the insurance company will cover 80% of the rental for each day and $500 for each loss. Also the deductible is $400 on my car. Because I’m a new driver, in the case of an accident the loss severity is high. However, because I’m a new driver, I pay more attention to not cause an accident so the loss frequency is low. The appropriate risk management plan is insurance. Online and banking accounts can be hacked easily today, all of my information can be found online. Bank cards can be copied by online shopping; some websites reveal my payment information and a few days later I received a phone call from my bank telling me my card had been used on a few websites spending a mass of money on strange things. They thought is was identity theft so they froze my account and stopped the payments and also made a cancellation. Under this condition, loss frequency is really high and the loss severity can be high as well, so the appropriate risk management technique is avoidance. A foreign loss exposure such as currency is a high chance of loss. When I first came to the Untied States, the exchange rate between dollars and Chinese Yuan was 1 to 8. 3, it meaning 1 dollar was worst 8 Yuan. My father bought at least $25,000 and wired it to my account when the rate was around 1:8. 3, but a short time after the read, the rate went down to 1:7. China’s economy is growing, so fast that exchange rate is Just keeps dropping, so we lost some money Just because the currency rate was dropping and kept dropping. Using the risk management matrix, you can see the loss frequency is high because Chinese money is worth more value everyday and the loss severity is also high, so the best I can do it to avoidance the loss. So now my father only transfers little amounts of money to my account and puts the majority in the bank. Once I swipe the card in the USA the bank exchanges the money with the rent exchange rate to avoid the loss exposure from the rate dropping. I currently reside in an apartment in Huntington and my rental office requires that everyone have to have renters insurance. According the text, I would have low frequency and high severity when dealing with rental insurance. My renters insurance is through my host family’s homeowner’s insurance policy, which is provided from State Farm. My current deductible is set at $1000 and the current policy has the following covers the following: Personal Property up to $20,000, Personal Liability for each occurrence p to $100,000, Medical Payments for each occurrence up to $1,000, Credit Card/ Bank Card and Forgery up to $1,000, Damage to Property of Others up to $1,000, Loss of Use (Actual Loss Sustained) up to $500. The current policy also has added on Endorsements, which included the following: Jewelry and Fur up to $1000, Silver/ Gold ware Theft up to $2,500, Business Property up to $1 ,500, Firearms up to $2,500, Home Computer up to $5,000, Fire Department Service Charge up to $500 When reviewing the risk management, I find out I don’t really have a lot of protection insurance. When it is time for me to implement my plans by contacting insurance agencies and finding the best one to meet my needs. Then the step that I would take would be to go over all of my risk assessments every year to better insurance that I am getting the best deal. This would change if a major purchase occur, such as a child was born, or a newer car was purchased. My personal risk management will be easily assessed, because you continuously have to pay the bills on insurance and so you are reminded of it. However, it’s important to reconsider your policies and needs, so that you can revise your policies correspondingly. How to cite Personal risk management plan, Papers

Strategies of Academic Writing

Question: Write about theStrategies of Academic Writing. Answer: A flawless academic writing is very important in todays world for students of both schools and colleges. Parents and guardians always encourage the children to read newspapers and storybooks both to have knowledge regarding the world and to develop well rhetorical skills and good stock of words. These are the thing, which helps a student to increase their understanding and thinking ability (Bertsch Pesta, 2014). After this come the three important aspects of writing skill. The first is taking notes, the second is paraphrasing and the third is summarizing. The learning, thinking and writing potentialities increases by these three strategies. In this essay there is a thorough discussion about the main aims of note-taking, paraphrasing and summarizing. Then one can accelerate these aspects of writing skills and the methods involved in it. In academic writing, it is very important that the students and the research scholars must adopt and follow certain strategies and rules so that the students can become more equipped in their field. Paraphrasing, taking notes and summarizing are the important strategies. First, there will be a discussion about the note taking technique. From the very childhood, one has heard about listening to the teachers in the classroom and writing in the notebooks. There are textbooks, which helps us to learn about specific matters but unless and until the teachers explain it to the students properly, the students are not capable of deciphering something from it. Nevertheless, the problem remains because the students cannot retain those things and they forget or topsy-turvy the things which he or she has learnt. For this reason, much emphasis is given on taking notes. Thus, the main functions of the note taking is to record facts and information and to have reflection of certain things, then it h elps the students to learn things from the notes (Blankenship, 2016). The other two purposes of taking note are to resolve problems for having a clear concept of complex documents, writing reports and solving mathematical problems. There are some procedures of taking notes. It is known to everyone that the average writing speed of a student is around 0.3 to 0.4 words/ second, whereas a lecturer speaks at a rate of around 2 to 3 words/second. The teachers will not explain one thing or dictate same thing more than once. Therefore, in that case the student has to develop their linguistic skill like acquiring the skills of abbreviation, writing the letters in short hand. There are some attributes which solves the problem of information transmission rather triggers the students to take more notes which helps them in their studies (Cromley Wills, 2016). They are: Writing on the board by the teachers helps the students to take notes accurately. Thus for the reason the teachers are suggest ed to write accurately and precisely on the boards. The teachers are also recommended to dictate slowly and with prominent vocal voice so that the student can understand and write the necessary things. An educator can also write things on the board by the form of listing things (Ruby Ruby, 2014). Another unique feature which the teachers or educators can use is macro-textual planning indicator which organize and structure the segments and division for example expressions such as firstly/secondly or first question/second question can be used to dictate or write on the board (Podhajski, 2016). All these factors enhance the students to take notes. Paraphrasing is another important strategy of the academic learning. The main purposes of the paraphrasing are to understand and critically analyze the facts from a particulars source. The second one is to avoid plagiarism and to write unique things about a particular matter. Plagiarism means writing or copying something from other sources. Paraphrasing helps to write things in a unique form. Another important feature is to provide proper evidence and documents in the writing. In paraphrasing, the writing is similar to the original writing. There are specific examples given in the paraphrasing part of writing. There must be proper evidence to substantiate the arguments. The use of in-text referencing and footnotes must be included in the paraphrasing. There are specific elements in properly paraphrasing the original work. The first thing is using the Academic Note Template, which helps to track the source and focus on the specific issues of the original text. The second important ste p is learning and reading the original text. There must be emphasis on important facts of the original work. However, one has to write from the original work but also in a unique form. Thus, in order to do the work uniquely one has to change the order of the ideas, one has to twist and change the structure and grammar of the original work (Griffiths et al. 2016). If plagiarism is found in any dissertation, thesis and other assignments then that thesis or dissertation might be totally rejected and in some cases a degree of the student is cancelled. Finally, the phrases of the original work must be change instead of changing the original work. Thus, facts derived from the internet must be properly referenced so from an authentic source. The prime thing is check all the information derived from the internet so that the sources must be of the renowned scholars. The in texting and citation must be accurate as that of the bibliography. Hence, it can be said that paraphrasing supports atta ining of the ethical responsibility of a writer and it increases the creative writing skill of a student (Hagaman, Casey, Reid, 2016). Summarizing is also one of the important aspects of writing skill. This is because if one writes a good summary then it denotes that one has clearly understood text or a document (Wong, 2014). Thus, a good summary helps the learners and readers to understand about the original text. Sometimes there is difficulty in writing summary, so for this reason there are eight steps, which are required to follow: - First, one has to search out the key points of the text. Then that key points have to be divided into parts by giving heading and sub-heading. One can also highlight some specific important terms. After this, one has to focus on the authors tone, main style of writing and the main things which the author wants to say to the readers. Then, to write summary the student or reader should definitely underline the exact main points and try to understand thoroughly if he or she cannot do it then one should clarify these important points (Higgins et al., 2015). After this in the main heading s and sub-headings one must write about the only prime points one must not include any trivial matter in these sections. Now, from these prime points one should construct a thesis statement, which reflects the main purpose of the summary. This thesis statement can be considered as the introduction part of the body and other headings should be the main body of the summary. A summary must contain a topic sentence, which provides facts about the creators of the piece, which one is summarizing, and contain about the title of this information. There are some important features, which makes the summary very precise and distinct. They are: - The summary should be written in present tense. The author and title of the original work must be there. The summary should be short in length; it should not be same just as like the main text. If the writer has to write the words of the author then he or she must cite the words, if not this then the writer must use his or her original words (Harris, 2016). There is no personal thinking, viewpoint in the summary. This is because the main aim of writing the summary is that it must contain the main ideas of the author written in the text, it is not a critical writing in which he or she gives her opinion (McDonough, Crawford De Vleeschauwer, 2014). A writer must avoid grammatical and punctuation mistake while writing the summary. Thus, to avoid these types of mistakes, one must check its work at least two or three times. If one follows these attributes while writing summary then definitely the main aim of the summary is fulfilled. In conclusion, one can say that the three weapons of writing skills that is paraphrasing, taking notes and summarizing are equally required to improve the writing skill of a student or any other person who is related to the academic field. A student has to be very attentive if he or she wants to perform well in writing skills. This is because in order to take class notes in school or college inevitably the students have to acquire concentration power because even if the teachers cooperate with the students. In many cases, it can be found that the teachers cannot give so much of time due to time or other things, and then the teacher has to be very fast. After this one can analysis about the paraphrasing. The main characteristic of the paraphrasing is to write according to the length of the original piece but one has to write in a unique and new form. Again summarizing the writing should be not equal to the original text, it should be precise but it must contain all the important ideas of the author. Finally, in both the cases the writer has to develop a strong linguistic sense, which uplifts the level of writing. Reference Bertsch, S., Pesta, B. J. (2014). Generating active learning.Acknowledgments and Dedication, 71. 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