How to Dance Salsa Essay Example | Topics and Well Written Essays - 1250 words - 1

How to Dance Salsa - Essay Example Ever region or country has it individual culture and dance is a part of that culture. Salsa is also a part of the long list of dances available worldwide. Although Salsa originated in the Caribbean, it gradually gained popularity all over the world with certain alterations in style. Salsa, in general, gave the identity and defined the culture of the Latin America particularly The Caribbean. Salsa is a word that describes a variety of dance styles from many regions of Latin America but it basically belongs to the Caribbean. It is mainly distinguished with the highly energetic and vivacious hip movement which is accompanied by a fervent beat. It was formed as a result of a merger between Cuban mambo and Latin jazz in the 1960’s with a touch of choreography and styling from the Puerto Ricans who resided in the Big Apple, the New York City. However, Salsa is still constantly evolving and developing and being modified with new steps and styles. Salsa has its roots embedded deep in Latin America and the Afro-Caribbean. Salsa originated on the island of Cuba. A Frenchman who had fled From Haiti had brought the country dance of France to Cuba, This dance was called the Danzon. The dance then began to blend with the several types of Rhumbas such as the Guaguanco, Columbia, and Yambu. A major part consisted of a mixture of Sonero and the African Drumbeats, known as the Son of the Cuban people. This fusion happened in Dominican Republic, Puerto Rico, and Columbia etc. but not as popularly as in Cuba. In the 1930s, when Second World War was on its verge, the name ‘salsa’ emerged with this dance moving to the city of lights New York and Mexico. Salsa was a nickname for various Hispanic originated music such as the mambo, cha cha cha, meringue and many others. Apart from all of this, there was a large investment in the promotion of Salsa. The word did not gain much popularity until the 1960’s.

Analysis of Class, Status and Power Essay Example for Free

Analysis of Class, Status and Power Essay Karl Marx and Max Weber are among the famous theorist who formed the pillar of the study of society. This come about in their contradict theories the conflict and protestant ethic respectively. It is understood that these two people lived in different eras, Marx being exposed to conditions and perspectives of the eighteen century whilst Weber dwells in the nineteen century where noticeable changes on the fast emergence of innovative technology, and a path where modernity take its toll (the industrial revolution) (Tui, 2014). The theories of Marx and Weber were applicable in their times with regards to the type, functions and interactions existing within society. As follows is the discussion of their main arguments on the contrary of their perspectives on the basis of society. According to Karl Marx, society of all hitherto is the result of social stratification and conflict. The organized economic activities and mode of production, determined the division of labor which causes the formation of two classes, the bourgeoisies and the proletariat (the rich and the poor) showing opposition (antagonistic interaction). The proletariat (working class) controlled the modes of production while the bourgeois owned the means of production (Brym Lie, 2007). The conflict theory by Marx, argued that a position in a productive system is the basis of peoples conflict. The rich attained privilege of accessing revenue and surplus whilst the poor did not resist, but remained subordinate. The bourgeois also maintained their interest by suppressing and maintaining the subordination of the proletariat (Worsley, et al., 1970). A revolution originated on the fact that men realized how capitalism deprives them of self-independence and freedom. Capitalism also increased inequality within society and enhanced further subordination of the working class. Marx believed that in the future there will be classless societies ( (Worsley, et al., 1970)). Therefore modern society is the result of the breakdown of the feudal system; the proletariats were being absorbed by the bourgeois to work in their factory, hence bringing so ciety to the end of communism (Tui, 2014). But also a classless society still experienced antagonistic, a trend of dependency between these two class, that is the bourgeois depend on the manual labor and productivity of the proletariat and vice versa, for their stability and co-existence. In contrast, Weber, in his theory, the protestant ethics, believed in hard work, personal achievement and motivations. It focuses on  individual actions and most importantly an individual’s knowledge and skills to bring about transformation of new society. In other words people consciously making decision at important times or junctures (Tui, 2014). People whom abided to protestant ethics and maintain the spirit of capitalism succeeded economically. He emphasized the importance of the growth of the service sector of the economy, with its many non-manual workers and professionals. He also articulated that capitalist development was not just caused by favorable economic conditions but religious beliefs also plays an important role (aw areness to the society of values and virtues: right and wrong) of facilitating great capitalist growth. He argued that Marx, fails to see that people in society can improve their condition in terms of education, technology to attain a better standard of living. Weber, also showed the flaws of the Conflict theory whereby he said that a revolution is not necessarily the solution to dissatisfaction and grievances. There are medium of resolving matters peacefully whereby the government is required to improve such conditions (Weber, 2005). In light of the above arguments, there is also controversy and contradiction in their discussion of class (created by eligibility and accessing to product of economy), status (social honor or professional position) and power (the ability and opportunity to control) (Worsley, et al., 1970). According to Marx, in society, there are two distinct classes: the bourgeois and the proletariat. These classes were inherited and there is nothing that can be done apart from revolution that can make the differences. The revolution would result in a classless society w here the state come to own the means of production. According to Marx, whoever has a class will have a complimentary standard of status and power. For him class is the originator of all kinds of status in society and source of power. He also stated that traditional status ascribed was used to acquire power such as the members of the noble family were born and entitled to rule. This class of nobles subsequently has high social status (Brym Lie, 2007). Weber strongly argued that class, status and power were three totally different categories. Status and power were achieved through ones commitment and successes. It favored the concept of meritocracy which allows people to rise or fall to a position that matches their talent and efforts ( (Brym Lie, 2007)). All of these were independent of each other. It is not necessary of an individual  or group of people in high class to have a corresponding level(s) of status and power. In general, class is directly related to how people have access to part of the society’s resources. Class should be related to your ability to buy power or your market position (Tui, 2014). Such as a proletariat can become a very important figure in government just because of his/her qualification, oratory skills and achievement. For example a Chief Executive Officer (CEO), commissioner of police, captain. These people worked their way like every proletariat from scratch and because of their ambition and hard work they are able to become successful, even though they do not have a royal or ruling background After having compared the two theories of Karl Marx and Max Weber, the latter theory of protestant ethic and the spirit of capitalism by Max Weber is considered the best and useful theory to understand and explain the dynamics of my local society. Kiribati society is an example of an egalitarian society whereby people are equal and have the same rights and opportunities. The decision making process and access to government’s resources and all opportunities are carried out following established processes and procedures. Everyone is given a chance to talk for themselves or by a representative (Teitiniman, 1993). As mentioned earlier, access to opportunities are open to everyone such as position in government and non-government organization through advertisement. Eligible candidates announced and a screening test is conducted to screen out best candidates. It takes one’s effort, hardship and commitment towards professional development in order to improve life conditioning, status and attainment of power for example people acquiring scholarship for higher qualification and to qualify a higher post with high salary in the government institution (Itaia, 1979). According to Koae (1993) and agreed by Macdonald (2001) there are existing mediums of solving any grievance and dissatisfaction. These are put up in writing to the concerned department and or are taken up to court. Communities’ views and perspectives are considered as a means of improvement to policing strategies such as that adopted by the Kiribati Police Services. Elections of leaders are conducted on the basis of the public vote towards candidates (Brechtefeld, 1993). As Weber highlighted, class, status and power are achieved which is correspondingly true of my Kiribati society.  Peoples’ hard work irrespective of religious beliefs and traditional social cl ass and status, have equal and equitable access to opportunities which determine social and economic standings in my society. Bibliography Brechtefeld, N., 1993. The Electoral System. In: H. V. Trease, ed. Atoll Politics. Christchurch: Macmillan Brown Centre for Pacific Studies, pp. 43, 44, 45. Brym, R. J. Lie, J., 2007. Sociology Your Compass for a New World. third ed. California: Thomson Wadsworth. Itaia, M., 1979. Rebirth Te Mauri, Te Raoi, ao Te Tabomoa. In: KIRIBATI Aspects of History. Suva: Institutes of Pacific Studies, The University of the South Pacific, pp. 123,124. Koae, T., 1993. Corrupt and Illegal Electoral Practices. In: H. V. Trease, ed. Atoll Politics. Christchurch: Macmillan Brown Centre for Pacific Studies, pp. 105-110. Macdonald, B., 2001. Cinderellas of the Empire. Suva: Institute of Pacific Studies, The University of the South Pacific. Teitiniman, T., 1993. Serving the People. In: H. V. Trease, ed. Atoll Politics. Christchurch: Macmillan Brown Centre for Pacific Studies, pp. 343, 344, 345. Tui, R., 2014. Social Structures in Modern/Contemporary Societies. Suva: s.n. Weber, M., 2005. The Protestant Ethic and The Spirit of Capitalism. New York: Taylor Francis e-Library,. Worsley, P. et al., 1970. INTRODUCING SOCIOLOGY. 1 ed. Victoria: Penguin Education.

Hard Times :: Dickens Hard Times Essays

Hard Times In this paper I would like to discuss the possibly affects that this book might have had on the world, the time around Charles Dickens, and the fact that Charles Dickens paid close attention to the world around him. Charles Dickens, born Charles John Huffman Dickens, was born on Feb. 7 1812 in Portsmouth where his father was a clerk at the Naval Pay Office. Four years later his family moved to Chatham and then later moved to London. In 1824 Charles Dickens father went to Debtor's Prison. In 1833 Charles Dickens published his first story "A Dinner at Poplar Walk". In 1838 one of Dickens most popular stories, Oliver Twist, was published in three volumes. In 1851 Charles Dickens father passed away. Next in 1861, another Dickens classic was published, Great Expectations. On June 9 Charles Dickens dies, at the age of fifty-eight. And was buried in Westminster Abbey. This is the Penguin Classics version of Hard Times by Charles Dickens that has be en edited by Kate Flint, who also added the introduction. I was unable to find any information about the editor, other than her name. I believe that Charles Dickens books, this one included, have had a great affect on the world. Not only in the fact that some of the books that he has written are considered to be classic or in the fact that some of these books are required reading in many high schools through out the U.S.. But also in the fact that I believe some of his books had an influence in the way the some of the laws in his time where formulated. The way that Charles Dickens go about doing this is by writing about the social problems within the government or just problems with the way that thing are being done in general. One example that I have found was in chapter 11, page 77, and footnote number 8. The line says "I ha' coom to ask yo, sir, how I am to be ridded o' this woman." When you look at the footnote it says that this line in the book is speaking of a problem that was quite common during Charles Dickens time period. The problem that this line speaks of is that it was all but impossible for a person who was of lower class to get a divorce.

Case Study Fast Fashion Essay

After two decades of fast fashion popularity, retailers and consumers have come to realize one of its biggest issues, its impact on the environment. Can fast fashion and sustainability work together? Step 2 The affordability of Fast Fashion is one of the main reasons for its high demand. Lack of authenticity or Intellectual Property. Fast Fashion has forced retailers to desire low cost and flexibility in design. Lack of quality in production Rapid production prevents consumers to get an idea of what’s to expect. (Forecasting) Excess of production. Wastes of these products from the retailers and consumer harm the environment. Reveals what is exposed in runways and fashion shows ahead of time. Fast fashion exploits the young consumer by incentivizing impulse behavior. Consumers are getting used to buying more frequent. Due to such rapid turnover, there’s a lack of exclusivity. Step 3 1. Higher quality, lower quantity. Pros Better option for repair: The customer will rather repair a good quality garment than can last than an inexpensive low quality one. Customer satisfaction: Consumers will be happier with a better value product. Long life: Products that are of better quality will definitely last longer so the consumer wont be forced to dispose. For the retailer, there is a great possibility they may attract a variety of new consumers that do appreciate superior quality. As a result of lower quantity, garments will stand out by look fresher and spacious on the sales floor. Cons Retailers may suffer fewer sales. There is a possibility they may lose some of their usual customers. Fewer options, now that there is a lower quantity. Higher quality means it wont be as affordable for the consumer as it used to be. Companies may have to reinvent themselves and state the fact that they are now enhancing the quality of their products. Consumer will be unwilling to compromise on price. 2. Personalization of Clothing Pros Consumer will be satisfied with having a say in the creation of its particular product. This idea will attract and motivate many more consumers. It’s innovative and fun for the consumer. The design will be personalized and the consumer will want to keep. Cons May require more shopping time for the consumer Products may not be as inexpensive now that the retailer will cater to every individuals needs. Consumers of fast fashion may be disappointed that there will now be less variety. Consumers may not adapt to this idea and reject it. 2. No more wasting, get compensated! Recycle and Reuse. The system involves customers bringing all the used items back to the stores and getting compensated with either a discount or a minimal refund. This is to incentive the customer to care more instead of wasting and harming the eco-system. Pros Companies will be take back used garments and send them off to countries in need. Companies will be able to reuse and reproduce them. Customer’s ability to help other in need is facilitated by the companies they have purchased from. Customers get an incentive to bring items back after knowing they also get a discount/store credit/ refund.

Exercise Plan for Football Players Essay

Football, being a very energetic sport, means the players should stay fit and healthy. To do this they have a specific exercise plan, this will ensure that the players will not get tired throughout the ninety minute game. In this assignment I am going to devise a possible exercise and fitness plan for this sport. In it I will include, gentle exercise, low level stretch, curl ups for abdominal muscles and mobilising exercises for shoulders and hips. I will include plans for exercises with and without the use of weights. I will add an exercise regime table. I will then evaluate my work. At first the players will have to do a Gentle exercise to warm up. This will help to try and prevent any injuries that may occur, whilst completing the rest of the exercise plan. At first the players will have to stretch their muscles, starting from the top of their bodies. Head and Neck Rotation. * Begin by tilting head back slightly. * Draw chin forwards and level the head. * Keeping head level, return to upright. * Tilt chin forwards, towards the chest. * Ease head backwards, leaving chin downwards * Finish by slowly raising the chin and head back to the upright position. The deep stretch – Stand upright with feet hip width apart. Lock fingers together behind back. Gently ease the elbows up and away from the body, until the stretch is felt. Hold this for 20 to 30 seconds. Press-ups – Start with your hands flat on the floor, underneath shoulders. Support body on toes, keeping legs straight. Pull in stomach; bend elbows out 90 and lower chest towards the floor. Inhaling at the same time. Press back up to the starting position whilst exhaling. Keep head level. Do not lift it too high as this places a strain on the neck and can result in injury. Repeat this for 2 sets of 10. Latissimus Dorsi Stretch – Stand with feet hip width apart pulling in the abdomen muscles. Hold one arm straight over the head, lean sideways from the hip joint, ensuring you keep the hips level. Extend arm until a stretch is felt. Hold for 10 to 20 seconds breathing easily throughout. Repeat this stretch on the other side. Repeat for 2 sets of 10 on each side. Triceps Stretch – With abdominal contracted and back straight, place the fingers of one hand in between the shoulder blades. Support this arm by placing the other hand on the elbow. Apply gentle pressure by pushing the elbow down the spine with the supporting hand. Feel the stretch in the back of the arm. Breathe evenly throughout. Hold this for 10 to 20 seconds. Repeat on the other side. Basic Crunch – Lie on back with knees up. Feet hip width apart, abdominal sucked in and hands at side of head (Not at Back of head). Exhale, squeeze up raising shoulders a little way off the ground. Hold for a moment then slowly ease down inhaling. For a more advanced stretch, lift legs off the floor whilst raising shoulders. Repeat this for 2 sets of 10. Oblique curl – Lie flat on back with knees up, feet hip width apart, keep right shoulder and lower back pressed tightly into the floor. Whilst exhaling contract the abdominal and with left arm reach over to the right knee, until a stretch is felt, in the midsection whilst lifting the left shoulder slightly off the floor. Hold for a moment, then whilst inhaling lower back to floor. For a more advances stretch raise feet off floor and reach for toes. Repeat this for 2 sets of 10. Calf Stretch – Standing with feet facing forwards, hip width apart, take a step forward with the right leg, keeping the knee slightly bent. Press the heel of right leg into the floor until the stretch is felt in the rear calf muscle of this leg. Hold this for 20 to 30 seconds, keeping weight centred over the hips, step backwards with the right leg to return to start position. Repeat using the other leg. Squats (Quads, Hamstrings and Gluteals.) – Stand with abdominal contracted and feet hip width apart, arms should be stretched in front. Bend at knees lowering the body and inhaling while doing so. Thighs should remain parallel to the floor and head should be kept in line with the spine. Do not lean too far forward as this places stress on the lower back and makes the exercise less effective. Hold momentarily at the bottom position then whilst exhaling return to the starting position. Repeat this 10 times. This completes the warm up exercise. For the aerobic workout, the players should jog for a minimum of thirty minutes. In this jog they should include side stepping and also skipping. After thirty minutes the pace should be reduced to a brisk walk, this should be done for five minutes. Following the brisk walk, the pace should again be reduced to a relaxed walk; this should also be done for five minutes. When the players have completed their aerobic work out a warm down should take place. In the warm down, some stretches that were used in the warm up, should be used again. Warming down is very important. If warming down does not take place, it will make the muscles feel sore and tender. It could also lead to injury. When using weight machines for exercise, you must always check that it is on the correct weight for you. Flat Dumbbell Press (Chest) – This exercise can be performed on a flat of inclined bench, keep abdominal contracted and lower back flat onto the bench, take a 5kg dumbbell in each hand and hold tem in a 90 angle to your body. Lift the dumbbells in an arc above the chest until they almost touch. Return to start position. Repeat this 10 times. Seated Row (Back) – Take an elastic band and sit on the floor with legs extended in front. Make sure back is straight and abdominal are contracted. Pull elastic with arms until there Is a slight tension in the band. Squeeze elbows slowly backwards increasing the tension in the band. Exhale as you do this. Return to start position, inhaling while doing so. Lateral Pull down (Back) – Before starting this exercise; check the weights are at 5kgs and adjust the seat level. Sit with feet flat on the floor. Abdominal contracted and back straight. Lower body is stabilised by the leg pad which rests on your thighs. Use a wide over hand grip, pull down bar, to level with upper chest, exhaling. Squeeze back muscles at bottom position. Slowly return bar to the starting position, inhaling while doing so. Repeat this 10 to 20 times. Timing: 4 seconds up. 4 seconds down. Biceps Curl – Take a 3kg Dumbbell, in your right hand, stand with feet, hip width apart and abdominal contracted. Straighten arm holding the dumbbell towards the floor. Squeeze the dumbbell upwards until level with the shoulder, exhaling while doing so. Momentarily squeeze your bicep at top position. In a slow controlled movement lower the arm to starting position. Repeat this 10 times and then swap arms. Leg Press – Again check weights are at 5kgs and adjust the seat. Start with the hips and knees at 90 to your trunk with your feet flat on the foot support. Keep lower back and head in contact with the back support and grip the bars. Push your lower body up and away from the foot support slowly breathing out, make sure feet stay flat on the floor support and a stretch should be felt in the whole of the upper leg. Hold this momentarily in the top position before slowly returning to start position, inhaling as you do so. Repeat this 20 times. This completes the warm up exercise for the exercises using weights. For this aerobic Exercise, the players should spend 15 minutes jogging of Hill walking on a treadmill followed by 15 minutes on a cross trainer. After this they should then spend 10 minutes on a rowing machine, gently rowing to ease the pace. When the players have finished their aerobic workout, a warm down should take place. Again in this warm down some stretches from the warm up will be used, this will help prevent muscle soreness or any injuries.

Iodine Element Facts - Periodic Table

Iodine Element Facts - Periodic Table Iodine  Basic Facts Atomic Number: 53 Iodine Symbol: I Atomic Weight: 126.90447 Discovery: Bernard Courtois 1811 (France) Electron Configuration: [Kr] 4d10 5s2 5p5 Word Origin: Greek iodes, violet Isotopes: Twenty-three isotopes of iodine are known. Only one stable isotope is found in nature, I-127. Properties Iodine has a melting point of 113.5 °C, a boiling point of 184.35 °C, a specific gravity of 4.93 for its solid state at 20 °C, a gas density of 11.27 g/l, with a valence of 1, 3, 5, or 7. Iodine is a lustrous blue-black solid which volatizes at room temperature into a violet-blue gas with an irritating odor. Iodine forms compounds with many elements, but it is less reactive than the other halogens, which will displace it. Iodine also possesses some properties typical of metals. Iodine is only slightly soluble in water, although it dissolves readily in carbon tetrachloride, chloroform, and carbon disulfide, forming purple solutions. Iodine will bind to starch and color it deep blue. Although iodine is essential for proper nutrition, care is needed when handling the element, as skin contact can cause lesions and the vapor is highly irritating to the eyes and mucous membranes. Uses The radioisotope I-131, with a half-life of 8 days, has been used to treat thyroid disorders. Insufficient dietary iodine leads to the formation of a goiter. A solution of iodine and KI in alcohol is used to disinfect external wounds. Potassium iodide is used in photography. Sources Iodine is found in the form of iodides in seawater and in the seaweeds which absorb the compounds. The element is found in Chilean saltpeter, and nitrate-bearing earth (caliche), brackish waters from salt wells and oil wells, and in brines from old sea deposits. Ultrapure iodine may be prepared by reacting potassium iodide with copper sulfate. Element Classification: Halogen Iodine Physical Data Density (g/cc): 4.93 Melting Point (K): 386.7 Boiling Point (K): 457.5 Appearance: shiny, black nonmetallic solid Atomic Volume (cc/mol): 25.7 Covalent Radius (pm): 133 Ionic Radius: 50 (7e) 220 (-1e) Specific Heat (20 °C J/g mol): 0.427 (I-I) Fusion Heat (kJ/mol): 15.52 (I-I) Evaporation Heat (kJ/mol): 41.95 (I-I) Pauling Negativity Number: 2.66 First Ionizing Energy (kJ/mol): 1008.3 Oxidation States: 7, 5, 1, -1 Lattice Structure: Orthorhombic Lattice Constant (Ã…): 7.720 References: Los Alamos National Laboratory (2001), Crescent Chemical Company (2001), Langes Handbook of Chemistry (1952), CRC Handbook of Chemistry Physics (18th Ed.)

Free Essays on Marriage Interview

The first question one asks is â€Å"what is marriage?† One definition of marriage is a union between two people that feel that they are right for each other, and decide to spend the rest of their lives together as one. But what one perceives of marriage to be at the get go is not always what they see after getting marriage. Some couples fear the worst, which is an unhealthy marriage that can lead to divorce. Others hope for the best, which is to live a long and healthy marriage. But I believe that everyone knows that marriage is harder than it seems but still do not believe it. Marriage has good attributes but also has it bad attributes that it brings with it. A marriage might start off good, but after a few years it might be considered to be going down the drain. Marriage, of course, has its ups and its downs. Problems arise in every marriage. But how one copes with them determines the marriage. The second question one asks is â€Å"what is a good marriage?† Wallerste in and Blakeslee believe that a good marriage is one that follows the nine tasks provided by their book â€Å"The Good Marriage: How and Why Love Lasts.† Using this book as a reference, I interviewed a married couple that believes that they have a good marriage and I will assess if the marriage is a good one. The names of the couple I interviewed were Thomas and Maria Fernandez. I asked them questions that were provided in class and asked them to answer truthfully. Here is a brief history of how they became a couple. They grew up in the same town in Mexico. So they were bound to bump into each other. He worked as a cab driver. She was a grocery clerk. One day, he went in the store she worked in to buy something to drink. She remembers what she felt when she first saw him. She said, â€Å"It was love at first sight.† He said, â€Å"Her beauty caught my eye.† He then went over to her and initiated a conversation. From this point on they began to date. This led to them getting ... Free Essays on Marriage Interview Free Essays on Marriage Interview The first question one asks is â€Å"what is marriage?† One definition of marriage is a union between two people that feel that they are right for each other, and decide to spend the rest of their lives together as one. But what one perceives of marriage to be at the get go is not always what they see after getting marriage. Some couples fear the worst, which is an unhealthy marriage that can lead to divorce. Others hope for the best, which is to live a long and healthy marriage. But I believe that everyone knows that marriage is harder than it seems but still do not believe it. Marriage has good attributes but also has it bad attributes that it brings with it. A marriage might start off good, but after a few years it might be considered to be going down the drain. Marriage, of course, has its ups and its downs. Problems arise in every marriage. But how one copes with them determines the marriage. The second question one asks is â€Å"what is a good marriage?† Wallerste in and Blakeslee believe that a good marriage is one that follows the nine tasks provided by their book â€Å"The Good Marriage: How and Why Love Lasts.† Using this book as a reference, I interviewed a married couple that believes that they have a good marriage and I will assess if the marriage is a good one. The names of the couple I interviewed were Thomas and Maria Fernandez. I asked them questions that were provided in class and asked them to answer truthfully. Here is a brief history of how they became a couple. They grew up in the same town in Mexico. So they were bound to bump into each other. He worked as a cab driver. She was a grocery clerk. One day, he went in the store she worked in to buy something to drink. She remembers what she felt when she first saw him. She said, â€Å"It was love at first sight.† He said, â€Å"Her beauty caught my eye.† He then went over to her and initiated a conversation. From this point on they began to date. This led to them getting ...

Kurds Identity

Kurds Identity What do we know about Kurds? Read about Kurds identity in this article. Hashtag: #CizreUnderAttack Kurds Identity Before the 1980s, little was known about the Kurds, a large ethnic group living in southeastern Turkey, due to the lack of academic institutions to fund and coordinate research, and other barriers. For instance, as the existence of a Kurdish nation in Turkey was traditionally ignored and being pursued as an official policy, the Turkish government limits the scope of studies on all aspects of Kurdish life. Academic debate and research were also severely suppressed by the hegemonic representation of the Kurds in the state’s discourse as a case of separatism, terrorism, and so on. Moreover, since the basis of this hegemonic representation was a state-sponsored classified research, it prevented researchers from questioning the officially recognized representation of the Kurds or engage in issues related to Kurdish society and culture. However, when the Kurdish national movement emerged and political activism in Turkey increased in the 1980s, studies addressing various issues and focusing on aspects of Kurdish society and politics were freely carried out and published. Some of these studies focus on Kurds origin and identity while others are more interested in conflict analysis, re-emergence, and evolution of Kurdish nationalism. As a stateless people who have been exposed to oppression, suffering, subordination, and forced migration, Kurds history, and origin, according to the literature relates to their struggles to gain independence and freedom. For this reason, the main components of Kurds identity include their homeland, the memory of the past, shared experiences, language, and national symbols. Their homeland, according to the literature is â€Å"Kurdistan†, a territory delineated by the Allies after World War I.   Kurdistan consist of a two hundred thousand square miles of mountainous expanse and some 550,000 square kilometers of land spanning the present state boundaries of Turkey, Syria, Iraq, Iran, Armenia, and Azerbaijan. However, there are no internationally recognized Kurdistan territories and the term â€Å"Kurdistan† has been banned in Turkey since the 1920s. Yasar Kemal Is a Master of Word The delineation of Kurdistan resulted to the dispersal of the Kurds into nearby territories where they need to cope with varying socio-political and cultural conditions imposed on them. The dispersion in a way negates the possibility for the Kurds to have a fixed and essentialist Kurdish identity. Although most Kurds consider themselves as descendants of the ancient Medes, researchers view of Kurds identity still revolved around the demarcation of their homeland due to lack of written historical sources that could link them to ancient periods. Kurdish Nationalism Kurdish nationalism according to literature is one the most  controversial and critical predicaments in the Middle East. For instance, since there are about 20 to 25 million Kurds live mostly in Turkey, Iraq, Iran, and Syria, Kurds effort to establish their own state not only resulted in numerous clashes with the government of the states in which the Kurds reside but claimed tens of thousands of lives. However, despite being a direct threat to the territorial integrity of the above states, the nature and origin of Kurdish nationalism remain unexplained and poorly studied. As a political ideology, Kurdish nationalism is inspired by collective identities, traditions, self-awareness, and imagined communities. In 1878 for instance, the Kurds who rebelled against the Ottoman Empire and invaded the Urmia region in Iran used the term â€Å"Kurdish nation† and expressed the need to unify the Kurds and create a Kurdish state. A Kurdish poet, on the other hand, edited and republished an epic poem in 1695 containing expressions of an independent Kurdish identity and the need for a Kurdish ruler.   Similarly, â€Å"Kurdistan†, the first newspaper in the Kurdish language published in Cairo in 1898 was a step toward Kurdish self-awareness or awakening possibly leading the creation of a Kurdish state. The Fall of the Ottoman Empire Tells Us about Modern Events The Kurdish question in Turkey is still defined by the separatist tracks of Kurdish nationalism, but with less radical inkling and seeks cultural recognition and political equality within the confines of democracy. In fact, many scholars believed that since violent demands for recognition is often met with equally violent Turkish strategies, Kurdish nationalism needs to be decoupled from ethnic violence and essentialism.

Outline the key criticisms against western feminist theory by 'third Essay

Outline the key criticisms against western feminist theory by 'third world' feminism, drawing on the work of at least TWO - Essay Example Redefining feminism by location and with the third world approach can be analyzed with a variety of theorists, all which redefine the main concept of feminism in society. 2.0 Definition of Third World Feminism The concept of third world feminism has been identified by the location which one is in and the problems which are in society. The main definition is based on social change which is needed in different regions of the world. For instance, in the U.S., the approach to feminism is based on social, historical and political changes, specifically because of the inequalities which women faced in society from the level of consciousness toward gender inequalities and the lack of social justice in society. However, in places that are underdeveloped, such as regions throughout Africa and Asia, third world feminism is redefined. Rather than a social injustice and sense of inequality, feminism is based on the politics and priorities that are within society as well as how these each link to the opportunities which women have. The lack of resources which are in third world countries change the approach to feminism, specifically because the social injustices differ with the lack of opportunities and changes which occur among those that are in the culture. The main difference is based on the post modern regions and places which are underdeveloped (Henderson, Waterstone, 2008: pg. 338). 2.1 Culture and Third World Feminism The concept of third world feminism is further defined by the ideologies of culture and the association which this has with developed equality between genders in specific regions. This relates to the overall definition of feminism because culture becomes a main component in the identity of feminism and how the capacity for women to be equal exists. In many cultures in third world countries, there is a different component of identity, specifically based on social and religious regulations. These are often given because of the social viewpoint of safety of women as well as the place which women should have in relation to men. The cultural component that is based in the regions leads to many of the feminist beliefs which occur in a post modern country to not be pertinent for those that are in a third world country. With the persistence of these traditions, there is the inability to change the dilemmas which are based on gender equality within the third world countries (Lewin, 2006: pg. 153). 2.2 Society and Third World Feminism Religious and cultural issues with gender equality further with the lack of resources which is a part of society and which not only cause inequality between men and women, but also persist with the needs of men that are in society. Many third world countries are not to the point of focusing on gender equality because of the social viewpoints which are pertinent in society and which create alterations in what is occurring in the different regions. Slums, poverty, lack of education to all and inability to have av ailable employment are some of the main continuous problems that are within the culture. However, this is not associated with the main components of women not having the opportunity to work. Instead, this is a social problem that is based on the lack of opportunity and resources, as well as the inability to provide opportunities to those that are in socie

The Port Authority Trans Hudson (P.A.T.H.) Term Paper

The Port Authority Trans Hudson (P.A.T.H.) - Term Paper Example By the close of the 2011 fiscal year, the ridership had risen to over 250, 000 (Carleton 4) There are a number of rail services in the country, which exists independently, in New Jersey, Manhattan, and Hoboken, the PATH uses underground rail networks, this allows for convenience and reduces the chances of accidents as the train rapid train services travels at speed exceeding 200kilometer per hour. As the rail system approaches the New York city, its rail system crosses or runs adjacent to other independently existing rail service providers such as the New York city subway. Despite the closeness of the rails or the crossing patterns of the rail system, PATH uses only its rail system without overlapping or running on other company’s system. Currently the PATH has grown and increased its infrastructure to sustain the current statistics of ridership and intercity connections. This is a reflection of effective management and infrastructural transformations successfully implemented by the port authority during its take over in the 19590s. PATH originally known as Hudson and Manhattan Railroad dates back to before the first New York subway the railroad was first planned in 1874. In the plan, the railroad was to connect New York and New Jerseys while passing through such adjacent neighborhoods as Hudson. The construction could not take effect as the available infrastructure could not effectively tunnel the railroad below the Hudson River. The construction began in 1890 but stopped again in 1900 as the company ran out of funds. When the company through the help of a young Tennessee lawyer, William Gibbs McAdoo secured the funding in 1992, the construction resumed but the company had to change tact as McAdoo became the chief executive officer of the rail system. He called for the application of better technology in the construction of the underground tunnels; the constructor therefore employed the use of tubular cast iron plating. Te tubular cast iron had higher t ensile force and could therefore resist more tension than the compact wrought iron that the company had previously used. The construction of underground rail required a lot of precaution, at some places the ground was soft and readily gave way burying the workers. The company had to take act cautiously while employing the best technology that could safeguard the million plus travelers who would eventually use the system. The rail system was guided by the need to secure the safety of both the passengers and the rest of the society. The company therefore needed to minimize incidents of accidents; this informed the idea of either underground or over ground networks. In the neighborhoods of Grove Street in Jersey City all the way to Newark, the rail system runs at ground level and in raised trucks (Davies 166). The choice of what type of rail to use at the different places was informed by the complexity of the area’s planning. The Groove street was already populated by the time t he rail network was laid, it thus become impossible to displace the people and destroy the buildings, furthermore, the ground is a wetland which proved cumbersome to navigate and install the underground tunnels. The first train journey took place in 1907 between Hoboken and the 19th street. The management at the time lived through some

The Impact of the Informal Economy on Mozambique Research Paper

The Impact of the Informal Economy on Mozambique - Research Paper Example This is based on the government’s efforts to encourage the informal firms to formalize their operations. The informal economy is characterized with unpredictable expansions especially when the economic growth is significantly low. It is also likely to shrink when the economic performance improve. The informal economy in Mozambique is comprised of about 7.7 million workers who are direct beneficiaries of the informal economy. Mozambique is a country that has enjoyed substantial success after going through a conflict that devastated its economy. The country experienced a significant economic increase between the years 2000 and 2006 of about 8 per cent. This success is attributed to the political stability and the macroeconomic stability that it has witnessed over years that it has under economic recovery. The strong economic development is mostly driven by foreign funded projects that are also boosted by the significant flow of aid. The informal economy has not been left behind as it is considered part of the vibrant economic growth2. The informal sector refers to the industrial sector that is not regulated by the government or the informal sector. It has made substantial contributions to the economy that has enabled the country boost its economy. The informal economy is an essential solution in ending poverty because it employs a good number of people. Statistics reveals that the informal economy in Sub Saharan Africa contributes about fifty per cent of the whole economy. Most African country’s economies depend on the Agricultural sector, while the informal sector has increasingly contributed to their GDP. The business in the informal economy employs a significant number of workers who are not employed by the formal sector. The statistics further indicate that over 89% of workers in the informal sector are women3. This is compared to only 54% of the workers who are

Market Risk Essay Example | Topics and Well Written Essays - 2000 words - 1

Market Risk - Essay Example The purpose of risk management is to reduce the impact of different risks related to a purpose. It may be caused by risks posed by the environment, technology, organization or politics. But in financial management, risks can be managed using traded financial instruments and therefore there is a need to understand the importance of fundamentals in risk management. Governor Randal S. Kroszner, speaking before the American Bankers Association, Spring Summit Meeting in Washington, D. C. held on March 11, 2008, spelled out the importance of fundamentals in risk management. He stressed that there are fundamental issues that must be addressed by financial institutions in the light of economic disruptions and points out to sound risk management practices. Governor Kroszner cited an example as one of failures of bank’s policy is risk concentration, and cited an example of â€Å"putting all eggs in one basket†, and that by concentration, he said, â€Å"losses could occur at one time.† Gov. Kroszner noted that as concentration of banks to its functions of basic lending, holding of securities, trading of complex instruments, providing liquidity instruments, engaging in off-balance sheet transactions and other financial activities, banks are treading on a new market where there are information and unidentified data which form hidden risks, and manifests its presence only during times of problems. An example, Gov. Krozzner said, is the market- wide demand for liquidity experienced by US recently. (Governor  Randall S. Kroszner, 2008) In governance, information is the key for control and this lies in the hands of senior management who are entrusted to do this function. Gov. Kroszner stated why information is important link taking into consideration recent events in the US.. He said that when information is kept â€Å"in silo† and not distributed â€Å"vertically and horizontally within firms† a segregation prevents managers from

Summary Essay Example | Topics and Well Written Essays - 500 words - 38

Summary - Essay Example Though none of the children managed to end up heroically and simply followed their elders, they both survived the war and saw its end. Therefore their actions cannot be referred as something trivial. The story begins in a flashback note where the events of Bloody Sunday (1965) were recollected. The two girls recollect their experiences in the three months of their lives in 1965. These events and experiences are presented in the form of interviews suitable for newspapers. The book does not focus on a detailed version of what happened during the time nor does it emphasize upon the day-to-day experience of the girls but the records are based upon oral history style. Around forty interviews were conducted by Frank Sikora, journalist, and the venue was mostly domestic in nature including the living rooms and kitchens in the George Washington Carver Homes conducted over a span of 1975 to 1979. The discussion has been presented as the interviewer mentions according to what he learnt from th em, their speech and feelings during their experience. Selma observed that her recollection was like writing her own story and for Rachel it was like holding a conversation with the Blessed Virgin Mary. They were not aware beforehand joining the thing was not formal – â€Å"You didnt enlist. You just were, or you werent† (Webb, Nelson and Sikora, 3). But after observing the crowd for sometime, Selma joined the movement willingly. The idea behind interrogating two young ladies, who experienced the time as children while there were several known personalities as well, is that Sikora wanted to bring out those unknown faces that faced the similar experience of violent, arrest and torment as the elders. The two girls could therefore represent the other children form the other towns as well who went through similar experience but whose names have not been officially

Market Risk Essay Example | Topics and Well Written Essays - 2000 words - 1

Market Risk - Essay Example The purpose of risk management is to reduce the impact of different risks related to a purpose. It may be caused by risks posed by the environment, technology, organization or politics. But in financial management, risks can be managed using traded financial instruments and therefore there is a need to understand the importance of fundamentals in risk management. Governor Randal S. Kroszner, speaking before the American Bankers Association, Spring Summit Meeting in Washington, D. C. held on March 11, 2008, spelled out the importance of fundamentals in risk management. He stressed that there are fundamental issues that must be addressed by financial institutions in the light of economic disruptions and points out to sound risk management practices. Governor Kroszner cited an example as one of failures of bank’s policy is risk concentration, and cited an example of â€Å"putting all eggs in one basket†, and that by concentration, he said, â€Å"losses could occur at one time.† Gov. Kroszner noted that as concentration of banks to its functions of basic lending, holding of securities, trading of complex instruments, providing liquidity instruments, engaging in off-balance sheet transactions and other financial activities, banks are treading on a new market where there are information and unidentified data which form hidden risks, and manifests its presence only during times of problems. An example, Gov. Krozzner said, is the market- wide demand for liquidity experienced by US recently. (Governor  Randall S. Kroszner, 2008) In governance, information is the key for control and this lies in the hands of senior management who are entrusted to do this function. Gov. Kroszner stated why information is important link taking into consideration recent events in the US.. He said that when information is kept â€Å"in silo† and not distributed â€Å"vertically and horizontally within firms† a segregation prevents managers from

Application of Research in Human Services Essay Example | Topics and Well Written Essays - 500 words

Application of Research in Human Services - Essay Example In the United States, the origin of human services is traceable back to the charitable activities that groups undertook during the colonial period. These groups include the religious and civic organizations that existed during this time. Nevertheless, human services were not considered as a serious academic discipline until 1960s. Academicians during this era saw the significance of human services as an ideology that would revolutionize human service delivery and professionalism (Sundel et al., 1999). As stated earlier, the main objective of human service as a academic discipline is increasing the efficiency of service delivery. Other objectives of human service include the re-education and sharpening of professions involved in the traditional service delivery. These traditional helping professional, through human service, adopt a humanistic approach in service delivery; implementing humanistic psychology during service delivery. Furthermore, human service also improves the accountability of these professionals to the communities they are supposed to serve (Neukrug, 1994). Service delivery professionals are able to take responsibility in the organizations they serve and implement appropriate systems that take into consideration the population they are serving. Finally, human service advocates that service delivery professionals to be involved in social change that aims to improve society as a whole. Nursing, education, law, medicine, social work and other traditional academic programs were resistant in adopting the human service approach during service delivery. The reason they were resistant stemmed from the fact that this new ideology challenged the professional status of these academic programs (Sundel et al., 1999). However, this was not the case because human services aimed at encouraging these traditional professions in promoting social change. Human service programs branch into homeless youths, youth development programs, community collaborations among

Direct and Indirect Cash Flow Essay Example for Free

Direct and Indirect Cash Flow Essay (According to â€Å"According to What Is The Difference Between The Direct Method And The Indirect Method For The Statement Of Cash Flows? (2004-2014),) â€Å"The main difference between the direct method and the indirect method involves the cash flows from operating activities, the first section of the statement of cash flows. (There is no difference in the cash flows reported in the investing and financing activities sections.) Under the direct method, the cash flows from operating activities will include the amounts for lines such as cash from customers and cash paid to suppliers. In contrast, the indirect method will show net income followed by the adjustments needed to convert the total net income to the cash amount from operating activities. The direct method must also provide a reconciliation of net income to the cash provided by operating activities. This is done automatically under the indirect method. Nearly all corporations prepare the statement of cash flows using the indirect method.† The reason for financial accounting standards board allows both methods are simple. Both statements of cash flow preparation methods are allowable under basic accounting standards. â€Å"The Financial Accounting Standards Board, however, prefers the direct method for the statement of cash flows. FASB prefers the method because business stakeholders find the statement easier to read than the indirect statement of cash flows. Companies prefer the indirect method as it is easier to prepare since the financial information is already at hand. Companies can include disclosures with either the direct or indirect statement of cash flows. These disclosures can detail any non-cash financing and investing activities. FASB often requires disclosures with the statement of cash flows. Companies can prepare a secondary statement noting any significant non-cash activities for stakeholders† (Direct Vs. Indirect Cash Flow Method, 1999-2014). References What is the difference between the direct method and the indirect method for the statement of cash flows? (2004-2014). Retrieved from http://www.accountingcoach.com Direct vs. Indirect Cash Flow Method. (1999-2014). Retrieved from http://www.ehow.com

The Life Insurance Need Analysis

The Life Insurance Need Analysis Under this, the insured person pays the premium regularly to insurance company, once a policy is taken, and in lieu of this, the insurer promises to pay a fixed sum of money at the time of the death of insured or on the expiry of a specified period of time, whichever is earlier. The payment for life insurance is certain but the event for which insurance is taken is not very certain. A Beneficiary can be a Person, Business, Trust, or Estate. The Owner of the policy is the Person or Organization who pays the premiums and has ownership rights : The right to name the beneficiary The right to receive dividends and to surrender the policy for cash The right to change ownership The right to assign a policy as collateral for a loan. Death is certain, but when it occurs is not Life insurance is of utmost importance for all individuals, businesses, communities, society and general public at large. If offers protection against loss of income and compensates the titleholders of the policy. It has other principal functions besides making cash payment on death of a life insured. Life is unpredictable. As the head of the family, everyone wants a secured life for their family members. The nightmares about your familys financial protection keep haunting you. You need life Insurance because typically the need for income continues for those who are financially dependent on you, but there is no guarantee of your ability to earn consistently and for the rest of your life. Life insurance can help you safeguard the financial needs of your family. To replace income the family would need to maintain their standard of living after the death of a wage earner. Life insurance insures your life and reduces any hardship your family may have to bear in the unfortunate event of your death. Insurance can provide an emergency cash reserve. It can provide capital to pay last expenses and operating capital during a familys readjustment period. to pay off a mortgage loan and other personal and business debts or to create a rent fund. To create a fund for childrens education. To create a family emergency fund or a fund for a family member with special needs. Life insurance proceeds generate a financial lump sum that can be used to cover a familys current and long-term operating expenses. It facilitates savings for old age to enjoy secured and peaceful life as the earning capacity of a person is reduced after retirement. It encourages people to save money by making them obliged to pay premium regularly when a life policy is taken. It helps to mobilize savings of the public to channelize it for investment and thus promote economic development of the country. It (policy) can be used as a security to raise loans and thus improves credit worthiness of an individual or a business. It also has tax benefits as under Income Tax Act, premium paid is allowed as a deduction from the total income. Exhibit 1 : Life Expectancy Graph of life expectancies from birth and from age 65 from 1900 to 2003. In order to estimate the amount of life insurance that is required an agent must be able to assess with the client which costs would be faced by the survivors resulting from the premature death of the proposed life insured, and how much it would cost to maintain the same or similar standard of living. A fact-finding interview with the client will begin by establishing qualitative goals. Once quality of life has been planned then this figure can be assigned to meet those objectives. These figures are called quantitative goals. Qualitative Goals Qualitative goals are quality of life goals. They reveal lifestyle choices that have a direct bearing on expenses, risk tolerance, and investment choices. For example; a family chooses to vacation each year in England of a month has made a qualitative decision. Quantitative Goals Quantitative goals are the dollar figures assigned to qualitative goals. For example, the family who vacations in England for a month needs Rs.22,000 to pay for their holiday. What Is Life Need Analysis ? It is the actual amount that would be needed to maintain the surviving dependants for the period they remain dependants. By considering all offsetting resources and benefits, the aggregate need for insurance can be trimmed to the unmet need for insurance the gap to be filled in order to satisfy the established goals. This net estimate may be used as the basis for a specific sales proposal. The nature of the unmet needs might also suggest the amounts and combination of types of insurance to recommend, such as a specified amount of whole life or other form of level coverage and a specified amount of decreasing term coverage. There are three basic methods for measuring life insurance needs : The Human Life Value Approach and The Needs Approach The Capital Retention Approach Each approach is a tool to help determine the amount of life insurance needed by an individual or family. Life insurance provides protection from the permanent loss of income that arises from premature death. The approaches are based on the principle that a life has economic value. This value is called capitalized value of life. Capitalized value may be represented by the sum earned as salary by an income-earner who dies during the prime of his or her life. Capitalized value may also be represented by the loss of income-in-kind such as the cost of having to provide day-care, then costs of day-care or nanny services will be a cost for the survivor to pay. The objective of insurance is to replace the capitalized value of the life insured with a sum of money that when invested at the interest rate in effect at the time of need analysis will provide an annual income stream equivalent to the annual lost earning power of the life insured. This can be expressed as : Annual Income Need à · prevailing Interest Rate = Lump Sum insurance required Capitalization of income determines the amount of insurance needed to replace that lost income. Capital retention determines the amount of insurance needed to pay capital costs of survivors by providing a lump sum-the interest earned on the lump sum provides the income. For example; if todays interest rate is 4%, the capitalized value of a life insured who earns Rs. 60,000 annually is Rs. 60,000 / 4% i.e. Rs. 15,00,000. This means Rs.15 lacs would have to be invested at 4% so that Rs. 60,000 could be used annually for expenses that would have been paid by the income earner. For the Financial Dependency of Survivors The three phases of financial dependency and the costs that survivors will face during these phases are : Readjustment/ Last Expenses Dependency/ Ongoing Expenses Survivor Life Income Needs/ Future Expenses (all explained later in this chapter) It provides ample information to establish the most effective means for that potential loss. Considerations can be personal, property or the liability. Needs Analysis can help determine the right amount of life insurance that is appropriate for your needs. It explains the overall principals behind estimating the costs associated with the death or disablement of an income earner and the provision of ongoing support for any dependants and/or the insured. Also outlines the factors to consider in the planning the amount of cover for short term disablement or illness. Again it explains how the value of property assets should be estimated for insurance purposes and develops a comprehensive and integrated set of insurance policy options for the particular clients needs and circumstances. These other assets will help in determining the amount and kind of insurance necessary to meet the applicants current and future needs. When estimating the potential contribution of Social Security benefits to survivors income, you should be aware of something known as the blackout period. This is the period of time after the youngest child is 16 years old and before the surviving spouse becomes eligible for retirement benefits. During this period, no benefits will be paid by Social Security to a surviving spouse. Offsetting benefits may reduce or even eliminate some of the items in the needs list. If existing medical insurance has a large lifetime benefit, any uninsured exposure related to a last illness may be limited to the deductibles and coinsurance, if any. Existing life insurance may substantially reduce a number of needs. Group life insurance will not provide a retirement income, but it will reduce the need for insurance by a working parent working with minor children in the family. An unpaid mortgage may already be fully insured by a credit life policy. Social Security and other available benefits might cut the remaining need for retirement income considerably. How much Life Insurance/ Determining the Need for Life Insurance (A General Concept) Well, the answer isnt really how much life insurance you need actually your life insurance needs often depend on a number of factors, including whether youre married, the size of your family, the nature of your financial obligations, your career stage and your goals. Its how much investment capital your family will need at the time of your death. This excellent question is to which there are as many answers as there are people to ask. Every advisor, financial columnist and relative has a formula that they consider the best. There are a number of approaches you can use to figure out how much insurance you should have. This section is designed to present the various need analysis methods used, as well as the pros and cons of each method. As these issues deal with how to value a life, it is indeed a very complex proposition. The method that makes the most sense to you is probably the one that may work the best for you. No method is perfect, as you are trying to hit a moving target. Life brings many changes and your needs will change with them. The more assumptions you make, the more complex you will make your planning and the more chances there are that something will not work as planned. This does not mean that you should only use simplest methods it is to give you a concept of why it is important to actively participate in all of your planning, fully understand it, and constantly monitor it. After all, it is your money. Remarkably, the simplest formulas can often be the best. Another thought to keep in mind is that as your other assets grow, such as retirement plans and investments, your need for life insurance will decrease. What determines your life insurance need ? Methods of calculating life insurance need Insurance mistakes What determines your life insurance need ? Life Stages and Circumstances When determining your life insurance need, you should first consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, your career stage, and your intentions to pass on your property are all factors to consider. Your need for life insurance changes as the circumstances of your life change. Starting Out In the Starting Out stage of life, you may be just beginning your career or family. You may not have children or other dependents at this stage, but that doesnt mean you have no obligations. For instances, if you paid for your college education with student loans, you likely had a cosigner for your loan-may be your parents or a grandparent. The same may be true of your car loan. If you were to die before the loan is paid, your cosigner would be obligated to pay the debt. Under law, a cosigner is responsible for full payment of a debt in the event of default. Death doesnt erase the debt obligation. single Adult A growing percentage of the population now falls into the single adult demographic group. This group covers a broad spectrum of ages, lifestyles, and obligations. Family Obligations-Parents Although you may not have a spouse, your death could have a serious financial impact on other family members. If, like many adults, you are supporting your parents (either financially or with care), your death could have a major impact, both emotionally and financially. They would not only lose the support you have been providing to them, but they would also need to come up with the money for your final expenses. Family Obligations-Children If you are a single parent, the primary financial support for your children would die with you. If you are lucky, you may have family members who would step in and help your children if you died. If you are even luckier, they will be able to provide your children with the education and lifestyle you had hoped for them to have. Your need for life insurance as a single parent is even greater than that of a dual-parent, dual-income household, which would still have one income if one parent died. Life insurance is a cost-effective way to make sure that your children are protected financially should anything happen to you. Debt Obligations In this stage of life, you may still be paying for or even still accumulated education loans. You may have purchased a house or condo with a cosigner. If you died, your cosigner would be legally liable for the payments on the debt. Protect Your Insurability Another reason to buy life insurance at this stage of your life is to protect your future insurability. Once you buy a permanent, cash value life insurance policy, it remains in effect for your entire life (assuming the premiums are paid), even if your health changes. If you were to experience a serious change in health, you might not be able to buy additional insurance coverage, but you would still have the permanent coverage you already own. Dual-Income Couple or Family If you and your spouse both earn an income, it is possible that if one of you died, the other may be able to cope financially on the remaining income. If there are mortgages, joint credit cards or other debt, or children in the picture, the loss of one income could be much more difficult to overcome. The more people who depend on your income while you are alive, the more life insurance you should own. If you died today with insufficient or no insurance, your mate could be forced to give up the residence or lifestyle for which you have both worked. When there are children involved, the loss of one breadwinner could mean a setback in the daily way of life, not to mention any plans for private school or college. Parent of Grown Children Just because your children have grown up and left the nest doesnt mean you have no need for life insurance. you may have spent your entire adult life building an estate that you intend to pass on to your children, grandchildren, or favorite charity. You can use life insurance to ensure that the bulk of your estate passes to your heirs or designated charitable organization subject to certain tax advantages. Part of Overall Financial Planning Determining your life insurance needs should not be done in isolation. Instead, it should be looked at as part of your overall financial plan, with consideration given to your goals for savings and retirement, as well as tax and estate planning. As your life changes, your financial goals may change, as well as your need for life insurance, making it important to also periodically review your coverage. Methods of Calculating Life Insurance Need Several methods are used to calculate the appropriate level of insurance for you and your situation. While they all share common features, some methods strive to be more simplistic, while others involve more sophisticated calculations. You may want to determine an amount on your own, using one of the simpler methods. This can provide a basis for your discussions with your financial planner. Insurable Interest Before you begin calculating your insurance needs, it is important to determine insurable interest. Basically, having an insurable interest in a persons life means that you would suffer emotional or financial harm or loss if that person were to die. It is always assumed that you have an insurable interest in your own life. However, to prove an insurable interest in someone elses life, you must have a relationship to that person based on blood, marriage, or monetary interest. You must have an insurable interest before you can purchase an insurance policy. Family Needs Approach The family needs approach is one of the more comprehensive methods of calculating your life insurance needs. It assumes that the purpose of life insurance is to cover the needs of the surviving family members. This method takes into account the immediate and ongoing needs of the surviving family members, as well as income from other sources and the value of assets that could be used to help defray the familys expenses (such as bank accounts and real estate). Capital Retention Approach The capital retention approach is one of two calculation methods under the family needs approach. This approach assumes that life insurance principal will support the family indefinitely into the future. Because you will purchase more life insurance under this method, you will be in a better position if the surviving spouse lives longer than expected. Capital Liquidation Approach The capital liquidation approach is the second of two calculation methods under the family needs approach. This method does not provide as much continuing capital for the surviving spouse or for heirs after the death of the surviving spouse. However, it does allow you to spend less money by purchasing a lesser amount of life insurance coverage. Estate Preservation and Liquidity Needs The estate preservation and liquidity needs approach attempts to determine the amount of insurance needed at death for items such as taxes, expenses, fees, and debts while preserving the value of the estate. This method considers all the variables of family lifestyle and the total cash needed to maintain the current value of the estate while providing adequate cash needed to cover estate expenses and taxes. Income Replacement Approach The income replacement calculation is based on the theory that the purpose of insurance is to replace the loss of your paycheck when you die. This analysis determines an economic or human life value and factors in salary increases and the effects of inflation in determining the appropriate level of coverage. While more comprehensive than the rules of thumb, this method still fails to consider special circumstances or financial needs and operates on the premise that the current level of income provides a satisfactory standard of living that will remain level throughout the future. Rules of Thumb The rules of thumb are extremely basic calculations. They provide a starting point but fail to recognize special family circumstances or needs and focus only on the most basic components. One rule of thumb dictates that multiplying your salary by a certain number will provide an adequate level of insurance, while another calculates need based on normal living expenses. Insurance Mistakes No Insurance The worst mistake you could make concerning life insurance is having a need and not having any insurance at all. Very often, people can find all sorts of excuses for not buying life insurance. Its no fun to plan for your death, for one thing. For another, theres the tendency to think that dying wont happen to you, only to some person you read about in the obituaries. But how many times have you heard about a young, apparently healthy person dying suddenly in a car accident, leaving behind a spouse, a young child, and no insurance? Sadly, it happens, and when it does, the family faces not only emotional trauma but possibly an extremely difficult financial situation, as well. Not Enough Insurance The majority of people with insurance are underinsured. Insufficient coverage can occur as a result of buying what is affordable instead of what is needed. Failure to review your coverage periodically could also result in insufficient insurance, even if you started out with adequate levels. Inflation rates, your career, and your lifestyle may have changed. Your family could be faced with a large financial gap and left unable to maintain the current lifestyle if you died today. Consequences could include loss of the family home, scaling back of college plans, and possibly years of financial difficulty. Too Much Insurance If you purchased a large policy during one point in your life and then didnt adjust your coverage when your insurance need was reduced, it is possible that you have too much life insurance. this is another good reason to periodically review your coverage with your financial planning professional. Periodic reviews of your insurance coverage can reveal opportunities to change your levels of coverage to match your current and projected needs. Nowà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦review your coverageà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Trying to figure out how much life insurance is enough isnt always easy, and that amount will likely change with your changing circumstances. By examining your familys anticipated expenses during various periods after your death, you get a more realistic estimate of your life insurance needs. Unfortunately, many people underestimate their insurance needs and are under-insured. Often, the purchase of life insurance is based on cost instead of whats needed. By the same token, its possible to have more insurance than you need. You may have purchased a large policy during a particular point in your life, and then didnt adjust your coverage when your insurance need was reduced. Both of these circumstances are reasons to review your insurance coverage periodically with your financial professional. Doing so can reveal opportunities to change your levels of coverage to match your current and projected life insurance needs. Determining the Need for Life Insurance/ How Much is Enough? (A General Concept) HUMAN LIFE APPROACH The present value of the familys share of the deceased breadwinners future earnings. The human life value concept deals with human capital. Human capital is persons income potential. The Human Life Value approach uses mathematical computation to determine how much life insurance is needed by valuing a human life. The Human Life Value approach considers the human being to be an income-producing machine. It is a device that mathematically converts your output into an amount of cash, your expected income until retirement. It determines the value today of cash that is flowing out in the future. This method focuses on an individuals future stream of income. It considers such things as annual salary and expenses, years remaining until retirement, and the future value of current rupees and translates this into an amount of insurance needed to replace the income stream in the event of premature death. What is your Human Life Value ? Beyond all doubt, your life is invaluable. Yet, there is a certain worth that can be attributed to the financial support you offer your parents, spouse or children. This worth is referred to as Human Life Value (HLV). In the future, if your family does not have the protective blanket of your presence, they will no longer be able to enjoy the benefits of the income you earned. Put simply, Human Life Value is the present value of your future earnings. Why should you calculate your Human Life Value ? You should calculate your Human Life Value so you can accordingly invest in insurance plans that provide your family with adequate finances and hence security even in your absence. The human life value concept goes beyond numbers and considers the entire impact caused by the loss of a human life and the value to a persons loved ones. How much are your tomorrows worth? What is your Potential Earning Power (PEP) HLV of any person can be measured by capitalized value of that part of his income or income earning capacity devoted or meant for dependants arising out of economic forces incorporated within his being, like character, health education, training, experience and ambition. For better understanding let us see some illustrations. Illustration Mr. X :- Age-40 yrs, Retirement age-60 yrs, Current salary-3,00,000 per annum (expected to remain same), Personal expenses-1,25,000, Net contribution to family-1,75,000 (300000 125000). Suppose he dies at the age of 40. Income lost by the family-175000 * 20 yrs (60 40) * discount rate for 20 yrs (Present value factor): 19,00,000. Illustration Mr. Y :- Age-30 yrs, Age of spouse-27 yrs, Life expectancy of spouse-70 yrs, Age of child-3 yrs, Childs share of monthly household expenditure-10 %, Child will remain dependant till-22 yrs, Monthly household expenditure Rs. 40,000, Out of this, amount spent on Mr. Y Rs. 10,000. Expected inflation in household expenditure 5 %, Money to be set aside for childs education (in present value terms) Rs. 10,00,000. Money to be set aside for childs marriage/ other needs (in present value terms) Rs. 7,50,000. Outstanding loans Rs. 15,00,000. Other liabilities Rs. 5,00,000. Medical expenditure/ emergency fund Rs. 5,00,000. Rate of return on low risk securities/ deposits 8 %. Hence, HLV will be Rs. 1,66,45,475. If the rate of return on low risk securities/ deposits is 7 %, Revised HLV will be Rs 1,81,83,996. How do you determine your Human Life Value ? This approach is about determining how much insurance is needed and is based simply on how much income the proposed insured earns. All individuals who have financial dependants need life insurance. Factors to be taken into consideration while calculating HLV are age, current and future expenses and current and future income. The formula is; Annual Income / Interest Rate = Lump Sum (The Human Life Value). Illustration If the annual income of the primary wage-earner is Rs.30,000, the total amount of insurance needed would be (assuming a nominal rate of interest of 8% and a long-term inflation rate of 3%, the real rate of interest is 5%): Rs. 30,000 à ·.05 = Rs.600,000 (human life value = amount of insurance required) If Rs.600,000 is invested at 5%, the return will be Rs.30,000 annually. Thus, the family of the insured has, in economic terms, would replace the income-earning value of the life lost through a policy with a Rs.600,000 death benefit. Illustration An insured makes Rs.42,000 a year and the current interest rate is 3.4%. She has a generous policy plus disability benefits that pay 70% of her salary. How much life insurance does she need based on capitalization of income? A. Rs. 1428 B. Rs. 12352.94 C. Rs. 1,42,800 D. Rs.1,235,294.10 There are different school of thoughts and approaches for purchasing and calculating the needs of life insurances, which say as under : One should purchase insurance worth 5 to 10 times the current annual income. This is an old thumb rule that does not take into consideration current assets and any special needs the customer or their family may have. Thus, When ones annual income is known, the insurance need is calculated simply as annual income multiplied by the number of years to service left. Ones yearly outgo towards Insurance premium should be 10% of ones annual Income. Thus, Life insurance need is, the financial need analysis approach. This is an approach which can take care of specific needs of an individual. Here, the basic objective is that the insurance coverage should be sufficient to provide for the dependants needs in case the breadwinner dies early. Steps for Calculating Human Life Value Approach In the human life value approach, the first step is to find the amount of annual income that is surplus to the individual. The surplus is the amount above what the insured would consume himself; which provides the overall standard of living for the individual and the family. The surplus includes amounts spent on education for children, automobiles, vacations, clothing, and food for everyone in the family except him. The items to include in costs of self-maintenance are any money spent on his portion of housing, his clothing, food, the portion of his salary that goes for FICA, federal, state, and local taxes, and all other expenses to maintain the insured as a productive asset. The next part of the human life value approach involves plugging the given information into the mathematical model and calculating the answer. To determine the surplus, subtract the self-maintenance expenses from the average income. Exhibit 2 : Steps for Calculating Human Life Value Approach Weaknesses of the Human Life Value Approach Other sources of income are ignored, (e.g., business earnings), it is calculated by using a constant income stream over the life of the insured since it is difficult to know what increase in income is probable. It ignores the number of years that income (mentioned above) will be required; a person aged 25 and a person aged 65 would appear to require the same amount of coverage. In its simplest form, work earnings and expenses are assumed to be constant and employee benefits are ignored. The amount of money allocated to the family can quickly change because of divorce, birth of child, or death of a family member. The effects of inflation on earnings and expenses are ignored. Points to Ponder : One, HLV is a moving target and to make it meaningful, you must review it once a year. Rather than chasing the revised HLV year after year, the aim should be to get the broad trend right with the expectation that in the long-term, the actual and estimate will converge. Two, do not get overawed by the HLV numbers thrown up. The `number is just a starting point and must be put into the context of your present ability to set aside money. Three, remain disciplined in the sense that at any point in time you should have planned in such a manner that in your absence, your family will not need to compromise on their yet-to-be fulfilled needs. NEEDS APPROACH It is a method of calculating how much life insurance is required by an individual/ family to meet their needs (expenses) if the family head dies. These include things like funeral expenses, legal fees, estate and gift taxes, business buyout costs, probate fees, medical deductibles, emergency funds, mortgage expenses, rent, debt and loans, college, child care, private schooling and maintenance costs. This approach contrasts the human-life approach. The needs approach is a function of two variables: How much will be needed at death to meet obligations ? How much future income is needed to sustain the household ? When calculating your expenses, it is best to overestimate your needs a little. By doing this you will be buying and paying for a little more insurance than you need, but if you underestimate, you wont rea

The English Reformation Essays -- History England Roman Catholic Essay

The English Reformation During the reign of King Richard II "England was experiencing her first serious outbreak of heresy for nearly a millennium." This widespread heresy, known as Lollardy, held the reformation of the Catholic Church as its main motivation, and was based upon the ideas of John Wyclif, an Oxford scholar. "All kinds of men, not only in London but in widely-separated regions of the country, seized the opportunity to voice criticisms both constructive and destructive of the present state of the Church." While commoners protested and pressed for reform, going so far as to present their manifesto, the "Twelve Conclusions," to Parliament, members of the royal household were protecting John Wyclif and his ideas, John of Gaunt, son of King Edward III, and Joan of Kent, the widowed Princess of Wales, "by whose influence he was protected from ultimate disgrace (such as excommunication)," were Wyclif's supporters and protectors. Like Wyclif's Lollard heresy, the English Protestant Reformation, over one hundred years later, would draw support from both the common people and the royal establishment. Among the many causes of the Reformation, one stands out as the most important because it alone brought about a specifically English reformation. The religious drive of the common people to create a more open system of worship was a grassroots movement of reform, similar to the reformations taking place across Europe. The political ambitions of those at the highest levels of government to consolidate power in the person of the monarch, however, is what made a reformation of the Church in England into a specifically English Reformation. John Wyclif and the people who followed him reflected how royal authority could be b... ... act for the dissolution of monasteries, 1539" Given-Wilson, Chris. "Late Medieval England, 1215-1485." In The Oxford Illustrated History of Medieval England, edited by Nigel Saul. Oxford: Oxford University Press, 2000. Letters and Papers, Foreign and Domestic, Henry VIII vol. II, sec. i, pg. 259, no. 967. London, 1920. Quoted in John A. F. Thomson, The Early Tudor Church and Society, 1485-1529, (London: Longman Group UK Limited, 1993), pg. 37. Russell, Conrad. "The Reformation and the Creation of the Church of England, 1500- 1640." In The Oxford Illustrated History of Tudor & Stuart Britain, edited by John Morrill. Oxford: Oxford University Press, 1996. Sheils, W. J. The English Reformation. Harlow: Longman Group UK Limited, 1989. Thomson, John A. F. The Early Tudor Church and Society, 1485-1529. London: Longman Group UK Limited, 1993.

E-R Diagram

Introduction:- In 1976 ,Chen developed the Entity-Relationship Diagrams ,a high-level data model that is useful in developing a conceptual design for database . An ER diagram is a diagram containing entities or â€Å"items†, relationships among them, and attributes of the entities . The E-R model is one of the best known tools for logical database design. Within the database community, it is considered a natural and easy-to-understand way of conceptualizing the structure of database.Claims that have been made for it include the following: it is simple and easily understood by non-specialist ,it is easily conceptualized ,the basic constructs (entities and relationships) are highly intuitive and thus provide a natural way of representing a user’s information requirements , and it is a model that describes a world in terms of entities and attributes that is most suitable for computer naive end users. In E-R diagram the emphasis is on representing the schema a rather than t he instances. This is more useful in database design because a database schema changes rarely ,whereas the contents of the entity sets changes frequently.In addition ,the schema is usually easier to display that the extension of database ,because it is much smaller Purpose:- Entity-relationship diagrams were first proposed as a means of quickly obtaining, with minimum effort, a good sense of the structure of a database. They are used to plan and design a database and to model a systems data. Key Elements Entities:- * An entity represents the principle data objects about which information is to be collected. * Collective nouns, or nouns, are usually used to name (describe) entities * For example, each person in an enterprise is an entity. An entity has a set of properties, and the values for some set of properties may uniquely identify an entity. For instance, a person may have a person_id property whose value uniquely identifies that person. Entity Set:- * An entity set is a set of entities of the same type that share the same properties, or attributes. The set of all persons who are customers at a given bank, for example, can be defined as the entity set customer. Attribute:- * An attribute is one of the various properties that describe the entity’s characteristics. These properties usually present a single fact – they are atomic. The designation of an attribute for an entity set expresses that the database stores similar information concerning each entity in the entity set; however, each entity may have its own value for each attribute. * Possible attributes of the customer entity set are customer-id, customer-name, customer-street, and customer-city. Domain (value set):- * For each attribute, there is a set of permitted values, called the domain, or value set, of that attribute. * The domain of attribute customer-name might be the set of all text strings of a certain length.Types of attribute in the E-R model:- The attributes used in the ER mo del can be categorized as 1. Simple or Composite 2. Single Valued or Multi Valued 3. Stored or Derived. 1. Simple or Composite * The attribute which are not divided into subparts are called simple attributes. * For example, an attribute customer-id is a simple attribute. * Composite attributes, on the other hand, can be divided into subparts (that is, other attributes). * For example, an attribute name could be structured as a composite attribute consisting of first-name, middle-initial, and last- name. Using composite attributes in a design schema is a good choice if a user will wish to refer to an entire attribute on some occasions and to only a component of the attribute on other occasions. Suppose we were to substitute for the customer entity-set attributes customer-street and customer-city the composite attribute address with the attributes, street, city, state, and zip-code. * Note also that a composite attribute may appear as a hierarchy. In the composite attribute address, i ts component attribute street can be further divided into street-number, street-name, and apartment-number. 2. Single Valued or Multi Valued The attributes that have a single value for a particular entity is called a single valued attribute. * For example, an attribute customer-id is a single valued attribute because for a particular entity it holds a single value. * The attribute that have multiple valued for a particular entity is called a multi valued attribute. * For example, an attribute phone-number is a multi valued attribute because for a particular customer it holds zero, one or several phone numbers. 3. Stored or Derived * Normally attributes are stored attributes, that is, their values are stored and accessed as such from the database. For example, the attributes name, address and date-of-birth of customer entity set are stored attributes. * However, sometimes attributes’ values are not stored as such, rather they are computed or derived based on some other value. This other value may be stored in the database or obtained some other way. * For example, we may store the name, father-name, address of customers, but age can be computed from date-of-birth. * The advantage of declaring age as derived attribute is that whenever we will access the age, we will get the accurate, current age of employee since it will be computed right at the time when it is being accessedFig Symbol used for different types of attributes in E-R diagram An example diagram representing all types of attributes is given below: 1. The attributes empId, empName and dateHired are simple and single valued. 2. The attribute address is a composite attributes because it can be sub divided into street and houseNo. 3. The attribute emp_Qual is a multi valued attribute because an employee has zero, one or many qualifications. 4. The attribute Experience is a derived attribute because it can be derived from the attribute dateHired. 5.The attributes other than Experience are stored at tribute because it can be stored and accessed from the database. Null value:- * An attribute takes a null value when an entity does not have a value for it. * The null value may indicate â€Å"not applicable†Ã¢â‚¬â€that is, that the value does not exist for the entity. * For example, one may have no middle name. Relationship:- * Relationship is a representation of the fact that certain entities are related to each other. * Verbs are usually used to describe relationships. * For example: Students take Courses – Students and Courses are entities, and take is the relationship.Relationship Set:- * Set of relationships of a given type. * For example: students registered in courses ,passengers booked on flight ,parents and their children. Participation: * The association between entity sets is referred to as participation; that is, the entity sets E1, E2, . . . ,En participate in relationship set R. * The participation of an entity set E in a relationship set R is said to b e total if every entity in E participates in at least one relationship in R. * If only some entities in E participate in relationships in R, the participation of entity set E in relationship R is said to be partial.Degree:- * The number of entity sets that participate in a relationship set is called the degree of the relationship set. * A binary relationship set is of degree 2; a ternary relationship set is of degree 3. Mapping Cardinalities (cardinality ratio) :- * Mapping cardinalities, or cardinality ratios, express the number of entities to which another entity can be associated via a relationship set. * Mapping cardinalities are most useful in describing binary relationship sets, although they can contribute to the description of relationship sets that involve more than two entity sets. For a binary relationship set R between entity sets A and B, the mapping cardinality must be one of the following: a) One to one. An entity in A is associated with at most one entity in B, and a n entity in B is associated with at most one entity in A. b) One to many. An entity in A is associated with any number (zero or more) of entities in B. An entity in B, however, can be associated with at most one entity in A. c) Many to one. An entity in A is associated with at most one entity in B. An entity in B, however, can be associated with any number (zero or more) of entities in A. ) Many to many. An entity in A is associated with any number (zero or more) of entities in B, and an entity in B is associated with any number (zero or more) of entities in A. Fig. one to one Fig. one to many Fig. Many to one Fig. Many to many Key :- * A key allows us to identify a set of attributes that suffice to distinguish entities from each other. * A super key is a set of one or more attributes that, taken collectively, allow us to identify uniquely an entity in the entity set.For example, the customer-id attribute of the entity set customer is sufficient to distinguish one customer entity fr om another. Thus, customer-id is a super key. Similarly, the combination of customer-name and customer-id is a super key for the entity set customer. The customer-name attribute of customer is not a super key, because several people might have the same name. * The concept of a super key is not sufficient for our purposes, since, as we saw, a super key may contain extraneous attributes. * If K is a super key, then so is any superset of K. We are often interested in super keys for which no proper subset is a super key.Such minimal super keys are called candidate keys. * It is possible that several distinct sets of attributes could serve as a candidate key. Suppose that a combination of customer- name and customer-street is sufficient to distinguish among members of the customer entity set. Then, both {customer-id} and {customer-name, customer-street} are candidate keys. Although the attributes customerid and customer-name together can distinguish customer entities, their combination d oes not form a candidate key, since the attribute customer-id alone is a candidate key. The primary key is a candidate key that is chosen by the database designer as the principal means of identifying entities within an entity set. * A key (primary, candidate, and super) is a property of the entity set, rather than of the individual entities. Any two individual entities in the set are prohibited from having the same value on the key attributes at the same time. * The designation of a key represents a constraint in the real-world enterprise being modeled. * Sometimes we may have to work with an attribute that does not have a primary key of its own .To identify its rows ,we have to use the primary attribute of related table. this is known as foreign key. * So a foreign key is a field in a relational table that matches a candidate key of another table. The foreign key can be used to cross-reference tables . For example ,say we have two tables ,a CUSTOMER table that includes all custome r data ,and an ORDERS table that include all customer orders . The intention here is that all orders must be associated with a customer that is already in the CUSTOMER table . To do this,we will place a foreign key in the ORDERS table and have it related to the primary key of the CUSTOMER table.Strong and Weak Entities:- * An entity set may not have sufficient attributes to form a primary key. Such an entity set is termed a weak entity set. An entity set that has a primary key is termed a strong entity set. * As an illustration, consider the entity set payment, which has the three attributes: payment-number, payment-date, and payment-amount. Payment numbers are typically sequential numbers, starting from 1, generated separately for each loan. Thus, although each payment entity is distinct, payments for different loans may share the same payment number.Thus, this entity set does not have a primary key; it is a weak entity set. * For a weak entity set to be meaningful, it must be asso ciated with another entity set, called the identifying or owner entity set. * Although a weak entity set does not have a primary key, we nevertheless need a means of distinguishing among all those entities in the weak entity set that depend on one particular strong entity. The discriminator of a weak entity set is a set of attributes that allows this distinction to be made. The discriminator of a weak entity set is also called the partial key of the entity set.The primary key of a weak entity set is formed by the primary key of the identifying entity set, plus the weak entity set’s discriminator. Symbols used in E-R diagram:- Steps in E-R Modeling :- Usually the following five steps are followed to generate ER models 1. Identify the entity set. 2. Identify the relevant attributes. 3. Identify the prime attribute. 4. Find relationships between entity set. 5. Draw a complete ER model. How to Prepare an ERD:- Step 1 Let us take a very simple example and we try to reach a fully o rganized database from it. Let us look at the following simple statement:A boy eats an ice cream. This is a description of a real word activity, and we may consider the above statement as a written document (very short, of course). Step 2 Now we have to prepare the ERD. Before doing that we have to process the statement a little. We can see that the sentence contains a subject (boy), an object (ice cream) and a verb (eats) that defines the relationship between the subject and the object. Consider the nouns as entities (boy and ice cream) and the verb (eats) as a relationship. To plot them in the diagram, put the nouns within rectangles and the relationship within a diamond.Also, show the relationship with a directed arrow, starting from the subject entity (boy) towards the object entity (ice ICE CREAM EATS BOY Well, fine. Up to this point the ERD shows how boy and ice cream are related. Now, every boy must have a name, address, phone number etc. and every ice cream has a manufacture r, flavor, price etc. Without these the diagram is not complete. These items which we mentioned here are known as attributes, and they must be incorporated in the ERD as connected ovals. FLAVOUR MANUFACTURER ADRESS NAME EATS ICE CREAM CREAM BOY PRICE PHONEBut can only entities have attributes? Certainly not. If we want then the relationship must have their attributes too. These attribute do not inform anything more either about the boy or the ice cream, but they provide additional information about the relationships between the boy and the ice cream. FLAVOUR MANUFACTURER NAME ADRESS TIME DATE PRICE PHONE ICE CREAM EATS BOY Step 3 We are almost complete now. If you look carefully, we now have defined structures for at least three tables like the following: BOYPHONE ADRESS NAME ICE CREAM MANUFACTURER FLAVOUR PRICE EATS TIME DATE However, this is still not a working database, because by definition, database should be â€Å"collection of related tables. † To make them connected, the tables must have some common attributes. If we chose the attribute Name of the Boy table to play the role of the common attribute, then the revised structure of the above tables become something like the following BOY PHONE ADRESS NAME ICE CREAM NAME PRICE FLAVOUR MANUFACTURER NAME TIME DATE EATS This is as complete as it can be.We now have information about the boy, about the ice cream he has eaten and about the date and time when the eating was done. Extended Features of E-R Diagram 1. Specialization †¢An entity set may include sub-groupings of entities that are distinct in some way from other entities in the set. For instance, a subset of entities within an entity set may have attributes that are not shared by all the entities in the entity set. The E-R model provides a means for representing these distinctive entity groupings. †¢ Consider an entity set person, with attributes name, street, and city.A person may be further classified as one of the following: a) cust omer b) employee Each of these person types is described by a set of attributes that includes all the attributes of entity set person plus possibly additional attributes. For example, customer entities may be described further by the attribute customer-id, whereas employee entities may be described further by the attributes employee-id and salary. The process of designating sub-groupings within an entity set is called specialization. The specialization of person allows us to distinguish among persons according to whether they are employees or customers. As another example, suppose the bank wishes to divide accounts into two categories, checking account and savings account. Savings accounts need a minimum balance, but the bank may set interest rates differently for different customers, offering better rates to favored customers. Checking accounts have a fixed interest rate, but offer an overdraft facility; the overdraft-amount on a checking account must be recorded. * In terms of an E-R diagram, specialization is depicted by a triangle component labeled ISA, as Figure shows. The label ISA stands for â€Å"is a† and represents, for example, that a customer â€Å"is a† person.The ISA relationship may also be referred to as a superclass-subclass relationship. Higher- and lower-level entity sets are depicted as regular entity sets i. e. , as rectangles containing the name of the entity set. ISA 2. Generalization * The refinement from an initial entity set into successive levels of entity subgroupings represents a top-down design process in which distinctions are made explicit. The design process may also proceed in a bottom-up manner, in which multiple entity sets are synthesized into a higher-level entity set on the basis of common features.The database designer may have first identified a customer entity set with the attributes name, street, city, and customer-id, and an employee entity set with the attributes name, street, city, employee-id, and sa lary. * There are similarities between the customer entity set and the employee entity set in the sense that they have several attributes in common. This commonality can be expressed by generalization, which is a containment relationship that exists between a higher-level entity set and one or more lower-level entity sets.In our example, person is the higher-level entity set and customer and employee are lower-level entity sets. Higher- and lower-level entity sets also may be designated by the terms superclass and subclass, respectively. The person entity set is the superclass of the customer and employee subclasses. * Specialization stems from a single entity set; it emphasizes differences among entities within the set by creating distinct lower-level entity sets. These lower-level entity sets may have attributes, or may participate in relationships, that do not apply to all the entities in the higher-level entity set.Indeed, the reason a designer applies specialization is to repre sent such distinctive features. If customer and employee neither have attributes that person entities do not have nor participate in different relationships than those in which person entities participate, there would be no need to specialize the person entity set. * Generalization proceeds from the recognition that a number of entity sets share some common features (namely, they are described by the same attributes and participate in the same relationship sets).On the basis of their commonalities, generalization synthesizes these entity sets into a single, higher-level entity set. Generalization is used to emphasize the similarities among lower-level entity sets and to hide the differences; it also permits an economy of representation in that shared attributes are not repeated. Difference between Specialization and Generalization No. | Specialization| Generalization| 1| It is a Top Down approach. | It is a Bottom Up approach. | 2| Specialization stems from a single entityset; it em phasizes differences among entities within the set by creating distinct lower-level entity sets. Generalization proceeds from therecognition that a number of entity sets share some common features (namely, they are described by the same attributes and participate in the same relationship sets). | 3| The process of designating sub-groupingswithin an entity set is calledspecialization. | The process of designating groupingsfrom various entity sets is calledgeneralization. | 4| Specialization is a result of taking a subsetof higher level entity set to form a lower- level entity set. | Generalization is a result of taking theunion of two or more disjoint (lower- level) entity sets to produce a higher- level entity set. | .