The Human Muscular System Essay -- Science Biology

The Human Muscular System The human muscular system is made up of over 600 connecting muscles. All of the muscles work together in sync to make your body move in inumerable different ways. None of the body systems can work without muscles and your muscles can't work without your other body systems so that means that all of your body systems need each other to work and make your body function correctly. Your muscles need protein, nutrients, and oxygen to move and work. Then the circulatory system carries those essential particles to your muscles from the digestive and respiratory systems. That is when your circulatory system carries the leftover waste back to the original systems to be discharged from your body. Your nervous system runs the whole show by telling your different systems to make this whole process happen. Muscles Your muscles are made up of body tissue which consists of very very small fibers which make up your muscles and you also have ligaments which help your muscles move in the right way. Each of your muscles are responsible for their own special job. All of your muscles contract to provide motion when the brain sends a signal through the nervous system which are stimulants. These stimulants tell your muscles to move your arms, legs and other muscles move your eyelids and they all work in sync to make you walk and talk. There are some muscles in which you have no control over like the muscles in your internal organs like your heart, sto...

What If Rizal Was Not Exciled

In July 1982 Jose Rizal was exiled as prisoner in Dapitan. When he arrived in Dapitan, he found it to be a sleepy little town. He thought of ways and means to make it clean, beautiful, and modern. With the help of his friend, father Sanchez, he made a map of Mindanao in front of the church. The map was made up of stones, earth, and grass and it serves as adornment that makes the town plaza beautiful. He and Father Sanchez, together with the citizens, had erected a lamp post in every corner of Dapitan.By stroke of luck, he won six thousand pesos from lottery ticket and he spent the amount in Dapitan. Modern agriculture implements were taken and transmitted from the United State and he taught the farmers how to use them. He bought sixteen hectares of land along the bay where he himself built a little house. He had become a farmer who himself worked hard, toiled, and happy in planting coffee and cacao and from 800 to 1,000 coconuts. (Retana, 1907) As a doctor, Rizal was aware of a wide spread of malaria due to mosquito bites.In order to get rid of malaria, he drained the swap where mosquitoes were staying. He also directed the construction of water system to have potable water for the town. (Retana, 1907) As a scientist, he collected, with the help of his pupils, different kinds of species of insects, birds, snakes, butterflies, shells, and plants which he sent, for purposes of identification, to Museum of Dresden in Europe. As payment of these species, Director A. B. Meyer sent him scientific books and journals, artificial eyes, microscopes, and surgical instruments since he did not accept money.He also discovered three rare specimens of animals that were named in his honor by European scientist, these were: Draco rizali which is a small lizard know as a flying dragon; Apogania rizali a rare kind of beetle; and the Rhacophorus rizali, a peculiar frog species. Rizal was also an inventor although he was not as inventive wizard as Thomas Edison. He invented a cigare tte lighter which he called Sulpakan. The lighter used a compressed air mechanism. He sent it as a gift to his friend, Dr. Blumentritt. He also invented a wooden machine for making bricks which can produce about 6,000 bricks per day. Bantug, 1946; Craig ,1957; Kalaw 1930; Zaide, 1984) Rizal put up a school where he himself was a teacher. There were formal classes conducted from two to five o clock in the afternoon. His students, all of them were seventeen who were sons of leading citizens in Dapitan, had learned from him Arithmetic, Geometry, and two languages, English and Spanish. (Craig, 1927) It was in Dapitan where he treated the eyes of her mother and he succeeded because her mother’s eyes were cured temporarily. Upon request of his mother when she returned in Manila after Rizal had treated her eyes, Rizal wrote a poem entitled My Retreat.Critics had agreed that this poem was the most profound and noble he ever composed, but, it was only second to My Last Farewell. (Reta na) George Taufer an American from Hong Kong proceded to Dapitan to have his eyes treated by Rizal. Mr. Taufer was accompanied by two young women, Josephine Bracken and Manuela Orlac. Rizal and Josephine met every time Mr. Taufer had scheduled for treatment. Because of their meetings, Rizal and Josephine fell in love with each other and they intended to get married. Rizal asked the Dapitan priest but the priest told him to secure permission to marry Josephine from Bishop of Cebu.However, upon learning about the marriage, Mr. Taufer attempted to cut his own throat but was prevented by Rizal by holding his two wrists. Mr. Taufer also became temporarily insane because he would loss Josephine if he married Rizal. When Mr. Taufer went back in Manila, Josephine went along with him in order to avoid tragedy. Josephine did not go to Hongkong when Mr. Taufer proceeded there. Josephine retured in Dapitan and there, Rizal and Josephine lived together like man and wife. (Russel & Rodriguez, 192 3) If Rizal was not exiled in Dapitan the forgoing events and circumstances could not have happened.Dapitan would still be sleepy little town because it was Rizal who had awaken it. Illnesses of malaria and diarrhea are prevalent because swamp would not have drained and there will no potable water, respectably. The implements for agriculture are not modern because Rizal could no have won 6,000 pesos in lottery ticket and therefore modern agricultural implement could not have been taken from the United States. There is nothing in Europe specifically in Museum of Dresden that a Filipino people can be proud of as of today because Rizal could not have sent more than 400 articles of scientific value.The European scientist could not have praise Rizal because he could not have discovered the three rare specimens of animals. In fact, the European scientist, as token of appreciation to Rizal, had named rare specimen the rare specimen in his honor. In effect, even in Europe Rizal is being rec ognize to be a science because of his discovery and collection of different specimen of animals and plants. He could not even be an inventor for having invented a lighter and a wooden machine for making bricks because if he is in Manila, he would be very active in reforming the friars through peaceful means.If Rizal did not meet Josephine in Dapitan, the retraction issue will not exist. To allow Rizal to marry Josephine, the Spaniards wanted Rizal to sign the retraction document which contain that he is denouncing all the books and articles that he had written against catholic religion; and he had regain his faith in catholic religion. However controversy arises because some believe that Rizal signs it and so he married Josephine Bracken. Others said that his signature was not genuine and he did not marry Josephine Bracken.If Rizal was incarcerated in Fort Santiago, his movement is limited to his prison cell. Instead of being a farmer, scientist, and inventor, his attention and work s would be focus in La Liga Filipina by writing about the abuses of friars and the reforms he wanted to undergo in governance by Spanish officials in the Philippines. (he is very accessible to he could still be imprisoned in Fort Santiago where his movement is confined in a prison cell. He could have been easily approached and consulted by Filipinos who wanted to stage uprising against Spanish government.If he was in Manila, he could have easily noticed the mistakes and mistreatments being done by the Spaniards to the Filipinos and therefore, he could have expressed his oppositions to these mistreatments. If Rizal was not exiled in Dapitan he could not have met Josephine whom he wanted to marry. Retraction controversy on Rizal regarding whether he became a catholic again or not could not have been an issue because the main reason why Rizal wanted to return in his religion is because he wanted to marry Josephine.La Liga Filipina which he was actively involved could not be dormant. La Liga Filipina is a group which is derived from La Solidaridad and the Propaganda Movement. When Jose Rizal got exiled in Dapitan the Organization La Liga Filipina became inactive and later on split into two, the conservative had formed the Cuerpo de Compromisarios and the Radical which is led by Andres Bonifacio had formed the secret group named the Katipunan. The La Liga Filipina would have still existed if Rizal was still n Manila because he would have continued his active participation as reformist to correct and reform the misadministration being conducted by the Spanish officials as well as the misdemeanor of friars in the Philippines. ) http://joserizal. info/Biography/man_and_martyr/chapter13. htm http://joserizal. info/Biography/man_and_martyr/chapter14. htm http://www. mb. com. ph/node/236170/hero-exile-remembered http://agham. asti. dost. gov. ph/1st/rizalnat. htm http://joserizal. info/Reflections/retraction. htm

Ict in Teacher Education

ICT in Teacher Education Dr. R. Sivakumar Assistant Professor Department of Education Annamalai University Annamalai Nagar – 608002. Abstract Information and Communication Technologies has a great potential to contribute positively towards knowledge dissemination, effective learning and the development of more efficient education service. In teacher education, student-teachers acquire appropriate knowledge, skills and competences on how to integrate technology in education. The knowledge and competences are how to use ICT in teaching and learning has gained enormous importance in today’s teacher education programs.The integration of information and communication technologies can help revitalize teachers and students. This can help to improve and develop the quality of education by providing curricular support in difficult subject areas. Use of ICT in learning settings can act to support various aspects of knowledge construction and as more and more students employ ICTs in their learning processes. ICT enabled education will ultimately lead to the democratization of education. Introduction Teacher is considered to be the architect of the nation. One can realize how important education is which makes one a teacher.Teacher education is looked after by a systematic operation of various agencies involved in it. Various education commissions and a number of expert committee have discussed the aims of teacher education in India. One of the main reasons is the inadequate academic, professional and pedagogic preparation and insufficient level of knowledge and the skills of the faculty. Besides this, traditional versus modern methods of teaching, outdated knowledge and information and lack of skills, teachers attitude, aptitude and authenticity of their sources of knowledge are some of the other core issues.Owing to knowledge explosion and tremendously fast changing ICT, the teachers sometimes find it rather difficult to cope with the new intellectual chall enges being thrown up by the changed global and local context. Therefore, they need to acquire new knowledge, and reliable and authentic information. In present scenario, teachers need to help their students in: how to learn, how to grow in future, how to develop study skills, how to conduct fundamental research, how to examine, evaluate and assess information This is necessary if the teachers really want to survive in the ICT world of education.A teacher plays a significant role not only in class teaching learning situation but in social engineering too. Society gives a respectable place to teachers who are really perspective empowered. This empowerment is not at in terms of physical perspective. It is in academic, intellectual, social, and national perspectives. ICT in Education Information and Communication Technologies has a great potential to contribute positively towards knowledge dissemination, effective learning and the development of more efficient education service. Inform ation and Communication Technologies are becoming increasingly pervasive in reaching schools.It is essential that teachers and teacher-educators have a thorough working knowledge of these media and their influence on the performance and engagement of their students. ICT includes, but is not limited to, personal computers, laptops, printers, LCD projectors, palm devices, iPods, fax machines, cell phones, Internet, Intranet and Web-Based Education that offers accessibility, flexibility and innovativeness in teaching and learning. Teachers have ability to use digital technology, communication tools, and networks appropriately to solve information problems in order to function in an information and knowledge society.This encompasses three areas of ICT literacy, namely cognitive, technical, and social. ICT integrated teacher education is more important to Indian education system that is committed to maintain global partnership as well as leadership in knowledge-based society. ICT in educ ation are not only new tools bringing evolution and changes. They raise new fundamental paradigms, new fundamental concepts, which change profoundly our societies, which change knowledge and access to knowledge. The digital natives will bring this new context, whatever the schools do or not. This is a new challenge for schools and for teachers.Digital natives are not only new pupils, a kind of new step in the humankind; they are the main actors of the new digital society, the new citizens of the knowledge society. Learning and teaching in the digital society. It should be no surprise that teachers who, like other professionals, are expected to be lifelong learners, must also meet the challenges of digital and mobile technologies. It is not simply a matter of mastering new technology; since the entire traditional paradigm has been up-ended, they must re-examine their profession and redefine their role of the teachers in the learning process.Understanding and mastering technology is t he starting point of a process of creating a new school. ICT in Teacher Education Information and Communication Technology (ICT) have the potential of educational challenges. In teacher education, student-teachers acquire appropriate knowledge, skills and competences on how to integrate technology in education. The knowledge and competences are how to use ICT in teaching and learning has gained enormous importance in today’s teacher education programs.This is because student-teachers’ adoption of ICT use in the classroom has strong positive correlation with the pedagogical training rather than technical skills a particular ICT-related teacher education program or course must seek to promote the following aspects of knowledge so as to help students-teachers know how to use technology in the teaching and learning processes: * Knowledge of problems or situations that can be solved by technology. * Knowledge of the kind of technology that can solve this kind of problem. * Knowledge of how the technology can solve a specified problem.This kind of knowledge is known as Technological Pedagogical Content Knowledge (TPCK). It is important that student-teachers are trained on how to use ICT in delivering of education to make learning more meaningful for using Education Technologies to support instruction. Student-teachers should be introduced to TPCK concept and should work in an environment that promotes this understanding for effective integration of technology in their future teaching. ICT courses in teacher education must also strive to develop a sound understanding of the learning theories and ways how ICT can be used to enhance teaching and learning.It is expected that ICT courses in teacher education should make student-teachers appreciate that the choice of any particular technology should be grounded not only on specific learning theory but also on pedagogical needs and the context. This ICT course must promote among student-teachers the knowledge and competences related to the application of ICT to promote teaching and learning process. Using ICT in education includes: * the use of ICT as object of study: which refers to learning about ICT which enables student-teachers to use ICT in their daily life. the use of ICT as aspect of a discipline or profession: meaning that ICT is used for development of ICT skills for professional or vocational purposes. * ICT as medium for teaching and learning which focuses on the use of ICT for the enhancement of the teaching and learning process. To effectively use the new information and communication technologies (ICTs) to improve learning, the following essential conditions must be met: * Students and teachers must have sufficient access to digital technologies and the Internet in their classrooms, schools, and teacher education institutions. High quality, meaningful, and culturally responsive digital content must be available for teachers and learners. * Teachers must have the knowledge and skills to use the new digital tools and resources to help all students achieve high academic standards. Teacher education institutions are faced with the challenge of preparing a new generation of teachers to effectively use the new learning tools in their teaching practices. For many teacher education programmes, this daunting task requires the acquisition of new resources, expertise and careful planning.In approaching this task it is helpful to understand: * the impact of technology on global society and the implications for education, * the extensive knowledge that has been generated about how people learn and what this means for creating more effective and engaging student- centred learning environments, * the stages of teacher development and the levels of adoption of ICTs by teachers, * the critical importance of context, culture, leadership and vision, lifelong learning, and the change process in planning for the integration of technology into teacher education, * the IC T competencies required of teachers related to content, pedagogy, technical issues, social issues, collaboration, and networking, * the importance of developing standards to guide implementation of ICTs in teacher education, * the essential conditions for successful integration of ICTs into teacher education, * important strategies to consider in planning for the infusion of ICTs in teacher education and managing the change process. Integrating ICT into teachingThe integration of information and communication technologies can help revitalize teachers and students. This can help to improve and develop the quality of education by providing curricular support in difficult subject areas. To achieve these objectives, teachers need to be involved in collaborative projects and development of intervention change strategies, which would include teaching partnerships with ICT as a tool. ICT enhancing teaching and learning process Introduce ICT into their classrooms: teachers should believe in the effectiveness of technology, teachers should believe that the use of technology will not cause any disturbances, and finally teachers should believe that they have control over technology.The use of ICT will not only enhance learning environments but also prepare next generation for future lives and careers. The integration of ICT into teaching and learning processes contributes to increase the interaction and reception of information. Such possibilities suggest changes in the communication models and the teaching and learning methods used by teachers, giving way to new scenario which favours both individual and collaborative learning. Students using ICTs for learning purposes become immersed in the process of learning and as more and more students use computers as information sources and cognitive tools. The influence of the technology on supporting how students learn will continue to increase.In the past, the conventional process of teaching has revolved around teachers plann ing and leading students through a series of instructional sequences to achieve a desired learning outcome. Learning approaches using contemporary ICTs provide many opportunities for constructivist learning through their provision and support for resource-based, student centred settings and by enabling learning to be related to context and to practice. Use of ICT in learning settings can act to support various aspects of knowledge construction and as more and more students employ ICTs in their learning processes, the more pronounced the impact of this will become. Teachers generate meaningful and engaging learning experiences for their students, strategically using ICT to enhance learning. ICT enhancing the quality of educationICT increases the flexibility of delivery of education so that learners can access knowledge anytime and from anywhere. It can influence the way students are taught and how they learn as now the processes are learner driven and not by teachers. This in turn wo uld better prepare the learners for lifelong learning as well as to improve the quality of learning. In concert with geographical flexibility, technology-facilitated educational programs also remove many of the temporal constraints that face learners with special needs. Students are starting to appreciate the capability to undertake education anywhere, anytime and anyplace. One of the most vital contributions of ICT in the field of education is- Easy Access to Learning.With the help of ICT, students can now browse through e-books, sample examination papers, previous year papers etc. and can also have an easy access to resource persons, mentors, experts, researchers, professionals, and peers-all over the world. This flexibility has heightened the availability of just-in-time learning and provided learning opportunities for many more learners who previously were constrained by other commitments. Wider availability of best practices and best course material in education, which can be s hared by means of ICT, can foster better teaching. ICT also allows the academic institutions to reach disadvantaged groups and new international educational markets.As well as learning at any time, teachers are also finding the capabilities of teaching at any time to be opportunistic and able to be used to advantage. Mobile technologies and seamless communications technologies support 24Ãâ€"7 teaching and learning. Choosing how much time will be used within the 24Ãâ€"7 envelope and what periods of time are challenges that will face the educators of the future. Thus, ICT enabled education will ultimately lead to the democratization of education. Especially in developing countries like India, effective use of ICT for the purpose of education has the potential to bridge the digital divide. Uses of ICT in language arts How ICT improves the teaching/learning of language or how to improve language teaching through intelligent and informed use of technology * Searching and using Internet resources for language materials and lessons * Searching literature-based, creative writing, problem-solving Internet projects with the option of using interpersonal exchanges, virtual gatherings, peer feedback or mentoring to support student learning. * Constructing technology-enhanced lessons or lesson plans within a language art curriculum Uses of ICT in science * How ICT improves the teaching/learning of science or how to improve science teaching through intelligent and informed use of technology * Searching and using Internet resources for science materials and lessons * Science education on the Internet Use of computers software and calculators for science teaching * Use of computer to simulate scientific phenomena and use of graphic calculators to collect and analyse data * Constructing technology-enhanced lessons or lesson plans within a science curriculum Uses of ICT in mathematics * How ICT improves the teaching/learning of mathematics or how to improve mathematics teachi ng through intelligent and informed use of technology * Searching and using Internet resources for mathematics materials and lessons * Use of computer software and calculators for mathematics teaching * Use of computers and graphic calculators to collect and analyse data and to build and test mathematical models of the real-world * Constructing technology-enhanced lessons or lesson plans within a mathematics curriculum Uses of ICT in social studies How ICT improves the teaching/learning of social studies or how to improve social studies teaching through intelligent and informed use of technology * Searching and using Internet resources for social studies materials and lessons * Searching problem-solving, enquiry and creative thinking materials with the option of using interpersonal exchanges, virtual gatherings, peer feedback or mentoring to support student learning * Constructing technology-enhanced lessons or lesson plans within a social studies art curriculum Conclusion The teach er education system empowered by ICT driven infrastructure can have a great opportunity to come up to the centre stage and ensure academic excellence, quality instruction and leadership in a knowledge-based society. ICT has revolutionized the entire concept of education. It is really a challenging task to strengthen ICT in teacher education because a large majority of the teacher education institutions are unequipped or under-equipped in the terms of digitized and high-tech infrastructure. References Ahmed, S. and Singh, M. (2010).Multimedia in Teacher Education Empowering Accessible, Flexible and innovative learning,  Shikshak – Shikha Shodh Patrika  Vol. (04) No (1) pp. 32-33. Flecknoe, M. (2002). â€Å"How can ICT help us to improve education†? Innovations in Education & Teaching International, Vol. 39, No. 4, Pp; 271-280 Mishra, P. , & Koehler, M. (2006). Technological pedagogical content knowledge: A framework for teacher knowledge. Teachers College Record, 10 8(6), 1017-1054. Montgomerie, C. , & Irvine, V. (2001). Computer skill requirements for new and existing teachers: Implications for policy and practice. Journal of Teaching & Learning, 1(1), 43-55. Moore, M. amp; Kearsley, G. (1996). Distance Education: A Systems View. Belmont, CA: Wadsworth. Paliwal A. K. (2006). Faculty development in teacher education perceptions and changing context, sovinier 7th National conference MATE pp 10-11. Takwal, R. (2003) Problems and Issues faced by Indian Education system UGC Golden Jubilee Lecture series. pp. 5. Venna S. K (2010) Teacher Education some qualitative consideration,  Shikshak – Shikha Shodh Patrika  vol (04) NO (1) pp. 10. Yusuf, M. O. (2005). Information and communication education: Analyzing the Nigerian national policy for information technology. International Education Journal Vol. 6 No. (3), Pp; 316-321.

What Is Subrogation Should You Waive It

What Is Subrogation Should You Waive It SAT / ACT Prep Online Guides and Tips Signing up for car insurance and not sure if it's worth it to pay a premium to waive subrogation? Or maybe you've been in an accident and the other person has offered to settle with you if you sign a waiver of subrogation- should you do it? What is subrogation, really? Before you decide, you'll need to understand what subrogation is and why you would (or wouldn't) want to waive it. In this guide, we define subrogation and explain when and why it occurs to help you make an informed decision. What Is Subrogation? In layman’s terms, subrogation occurs when Person A owes something (usually money) to Person B, and Person C steps in and legally takes Person B’s place (including the rights to what Person A owed to Person B). An example would be if you owed money to a loan company and someone else bought your debt. The person who bought your debt could then use subrogation to have you pay them back the debt (even though you didn’t borrow any money from this person originally). Here’s the more technical subrogation definition: â€Å"The substitution of one person in the place of another with reference to a lawful claim, demand or right so that he who is substituted succeeds to the rights of the other in relationship to the debt or claim, and its rights, remedies, or securities.† (source: Black's Law Dictionary) You’re most likely to encounter subrogation when dealing with insurance claims, but it can also crop up in situations with guarantors (like co-signers of a lease or a loan). How Does Subrogation Work? Because the most common place people encounter subrogation is in dealing with car insurance, I’ll explain it through an example of a car insurance claim. Let’s say you're driving along the highway one day and you get into an accident with another driver. One of your brake lights is cracked, your rear bumper is hanging off one side, and you need a new paint job. To pay for the repairs to your car, you file a claim to your insurance company with the other driver’s insurance information and cross your fingers. If your insurance company determines the other party was at fault, they’ll pay the claim to cover the damage (minus your deductible). You get your car repaired, and your life goes on as usual. Behind the scenes, however, your insurance company will seek to recover their costs from the other party’s insurance company (or if that’s not possible, from the other party). It is the right of subrogation that allows your insurer to seek to recoup the money that they paid out to you in the claim from the at-fault party. For the most part, the only involvement you'll have in this whole process is if your insurance company chooses to pursue subrogation. If they do, they’re legally obligated to inform you and attempt to recover the cost of your deductible as part of the money they're seeking from the at-fault party. If your insurance company does pursue subrogation, they'll require you to cooperate with their subrogation attempt. Among other things, this means that you likely won’t be permitted to sign a waiver of subrogation after an accident or claim. What Is a Waiver of Subrogation? A waiver of subrogation means that you give up your right to have another party (usually your insurance company) attempt to recover what a third party owes you. Let's return to the example of car insurance for a moment. Most insurance contracts forbid you from signing a waiver of subrogation after you’ve already filed a claim. You may be able to sign one in advance of any accident if your insurance allows for adding waiver of subrogation endorsements to existing policies. If you do this, however, your insurance company might charge you an extra premium to try and minimize their losses that way. By signing a waiver of subrogation, you waive your car insurer’s right to try to recover their costs (including the cost of your deductible). You’re most likely to come across waiver of subrogation clause after an accident if the at-fault party in the accident or their insurance company attempts to settle with you directly (without going through your insurance company). They’ll want you to sign a waiver of subrogation so that they’re not at risk of being hit up twice for the same incident (once from you, once from your car insurance pursuing subrogation). In most cases, your own car insurance will require you to notify them if you’ve decided to sign a waiver of subrogation (just as they have to notify you if they opt to pursue subrogation against the at-fault party or their insurance). That way, your insurance company won’t waste time and legal fees trying to get back money the at-fault party already paid out to you. Should You Sign a Waiver of Subrogation? While signing a waiver of subrogation can save you the hassle of lawsuits and dealing with insurance claims, it also means you’re far less likely to be able to recover any non-out-of-pocket costs (like all or part of your deductible). If you let your insurance company pursue subrogation, they become responsible for all the legal fees and paperwork and hassle- all you have to do is wait and see if they’re successful in recovering any of your deductible. Therefore, you should be very cautious about signing a waiver of subrogation clause, either in your car insurance contract or for a settlement after an accident. Not only might it be forbidden if you’ve already filed an insurance claim and didn’t have a waiver of subrogation signed with your insurance company before, but it could also mean that you end up with a smaller payment than you would otherwise. The only reasons to consider signing a waiver of subrogation are if: you have sizeable out-of-pocket costs that you’re hoping to recover (since your insurance company can only pursue subrogation for costs they’re responsible for), OR you believe you’ll be able to get a more favorable settlement than your insurance company would Even in these cases, however, be aware that if you sign a waiver of subrogation after the accident, your insurance might refuse to pay all or some of your claim (making it imperative that you win your suit against the at-fault party or their insurance). Other Kinds of Subrogation Aside from dealing with car insurance, you might encounter subrogation claims in a few other situations. Subrogation will most often be at issue when it comes to various types of insurance, including homeowners’ insurance- and health insurance-related subrogation claims, but it can occur with contracts of any sort. In the next couple of sections, we'll discuss the other two most common ways you'll come across subrogation in your day-to-day life: health insurance and student loan repayment. Health Insurance Subrogation For health insurance, subrogation most often comes up in the context of personal injury lawsuits. If you successfully sue another party for medical damages, your health insurance will often make a claim for part of your settlement through their right of subrogation. This might seem strange at first, but it turns out there’s a good (and in most cases, fair) reason for this. As with car insurance, when you sign up for health insurance, part of what you agree to is that the health insurance company will pay your claims on the condition that it has the right to seek reimbursement for your claims from whoever is responsible. When you go to the doctor’s office, you’re the responsible party, which is why you pay your premiums and have a co-pay. When it comes to a situation where you’ve been injured in an accident by a third party and have successfully won a suit against them, however, this changes- that third party is now responsible for your medical bills. If your health insurance company is to get reimbursed at all for your medical expenses, it must be from that third party’s payment to you. They can’t claim it from the third party themselves – otherwise, you’d be getting doubly reimbursed (your medical bills paid by the insurance company + the settlement from the third party), and the third party would be getting doubly charged, which is against the law. So while it might seem unfair that your health insurance company gets part of the settlement, it makes sense. The good news is that you won’t have to pay more than the insurer would pay for the same services. For instance, if a hospital charges $2,000 for a lab test connected to your treatment but your insurance company only has to pay $400, you would only owe the insurance company $400 out of your settlement. Student Loan Subrogation Currently, the federal government offers direct student loans, which means the loans are offered directly through and guaranteed against default by the Department of Education. If you took out a federal student loan before 2010, however, your loan would have been guaranteed by a separate student loan guarantor agency. If your loan involves a guarantor of any kind, it could be subrogated if the agency that originally guaranteed your loan you sells off your loans to a third party. The most common case where this occurs is when the Department of Education buys back a loan from one of these agencies. Unless it is otherwise prohibited by law or the loan contract you originally signed, the Department of Education can then step into the shoes of the original student loan guarantor agency to collect the loan back from you, even if you had defaulted on the loan. Besides causing you the financial burden of having to pay back a defaulted student loan, student loan subrogation will also have a negative impact on your credit score. Because the subrogation means that you now technically owe money to someone new (even though you haven’t taken out a new loan), your defaulted loan will reappear on your credit history and cause your credit score to drop. Subrogation Claims: The Bottom Line You can define subrogation as what happens when you owe something (usually money) to one entity and a second entity steps into the shoes of the first entity to collect what’s owed. Subrogation most often comes up in the context of car insurance claims, but it can be pursued under other circumstances as well, including health insurance claims and student loan repayment. In the context of insurance, you might be able to sign a waiver of subrogation endorsement before any issues arise for an additional premium. If you try to sign a waiver of subrogation afterwards, however, you might end up having your insurance claim partially or totally rejected. If you have a defaulted loan that gets subrogated, it will reappear on your credit report after subrogation because you now owe money to someone new What’s Next? Carrying a lot of student loan debt and not sure what the best way to pay it off is? Learn when and how to consolidate your student loans. If you have a bad credit score, what are your credit card options? Read our comprehensive list of the best unsecured credit cards for people with bad credit here.

Art Gallery Project essays

Art Gallery Project essays For the Arts group, we will present an artist (or genre) for about 30minutes to introduce the background and influences as well as techniques employed by a particular artist. The remaining hour will be devoted to each student creating their own representation of what we presented. For example, each student will create their own Van Gogh on the 1st of November. We will save all of their artwork throughout the 6 weeks. After the program has ended, we will have some sort of art gallery reception. The time/location is still up in the air because we may be able to use the caf that Kristen works at. If have the gallery at the caf, we are going to invite the parents and family and possibly even sell their art work. If not, we will probably have it the following Monday after the program completes during the after-school program hours. We are planning on having juice and fancy hors devours to create a real art gallery feel.For the Arts group, we will present an artist (or genre) for a bout 30minutes to introduce the background and influences as well as techniques employed by a particular artist. The remaining hour will be devoted to each student creating their own representation of what we presented. For example, each student will create their own Van Gogh on the 1st of November. We will save all of their artwork throughout the 6 weeks. After the program has ended, we will have some sort of art gallery reception. The time/location is still up in the air because we may be able to use the caf that Kristen works at. If have the gallery at the caf, we are going to invite the parents and family and possibly even sell their art work. If not, we will probably have it the following Monday after the program completes during the after-school program hours. We are planning on having juice and fancy hors devours to create a real art gallery feel. ...

Song Lyrics and Standard English

Song Lyrics and Standard English Song Lyrics and Standard English Song Lyrics and Standard English By Maeve Maddox According to a story in the NY Times, researchers from the University of Pittsburgh studied the 279 most popular songs from 2005 looking for references to drugs and alcohol. I’d like to see a study that tracks the repetition rate of nonstandard English in popular music. The Pennsylvania study found that some genres mention drugs and alcohol more than others. From my own cursory and unscientific survey, I conclude that nonstandard English is well represented across genres. (My observations are based on lyrics from songs mentioned in lists like the Top 40. There may be some better ones somewhere.) Song lyrics have more power to influence the language of young people now than they did in earlier generations. When I was growing up, I listened to songs on the radio at home, not while I was at school or walking around town. I had a record player and a small collection of records. My total listening time probably didn’t amount to more than two or three hours a week. Today’s adolescents spend an average of 16 hours a week listening to music. Nine out of ten in this age group have an MP3 player or a CD player in their rooms, and I’d guess that a great many younger children have them as well. Most American high schools operate on a 36-week schedule. Class sessions vary in length from 45 to 55 minutes. At best, a student never absent will receive about four and a half hours of English instruction a week for 36 weeks of the year; compare that to 16 hours of music consumption a week every week of the year: English instruction = 162 hours per year Music listening = 832 hours per year During those 832 hours, young music fans hear thousands upon thousands of repetitions of such constructions as: I feel the magic between you and I. –Eric Carmen When you cheated girl, my heart bleeded girl. – Justin Timberlake Can we conversate? –Young Rant/Shorty B. Can You handle me the way I are? –Timbaland Far too many stars have fell on me. –Dan Fogelberg As time goes by, you will get to know me a little more better. –Backstreet Boys The way my body feel/When you’re laying right beside me. –Sevyn Streeter Me and you are supose to be together. –Ashley Tisdale A blogger at the music site Hooks Harmony gives the crown for bad grammar to Beyoncà ©. Peter Lee’s article about â€Å"Get Me Bodied,† together with his translation of the song into standard English, is one of the funniest language laments I’ve ever read. The poor man gives it his best shot, but finally gives up: â€Å"I can’t finish this. I feel like I just translated the last half of Flowers for Algernon.† No one expects popular song lyrics to be written in formal English. The golden oldies had their share of gonnas, wannas, ain’ts and double negatives. But none of the songs from the 1940s, 1950s, or 1960s that I browsed while writing this post exhibit the vulgarity and verbal poverty of the lyrics of recent popular music. Efforts at school reform notwithstanding, the most competent English teachers in the world cannot compete with the steady indoctrination in vacuous and nonstandard English that goes on outside the classroom. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Writing Basics category, check our popular posts, or choose a related post below:Avoid Beginning a Sentence with â€Å"With†Grammar Quiz #21: Restrictive and Nonrestrictive ClausesHow Do You Pronounce "Mozart"?

Q5 Essay Example | Topics and Well Written Essays - 1000 words - 1

Q5 - Essay Example It involves inputting relevant data, company information, and knowledge from individuals in the decision making panel as well as business models to come up with solutions to problems facing the organization as well as important decisions for the organization (Power, 2002).   My organization applies the decision support systems often to acquire and conduct an analysis of data on turnover, budgets as well as sales forecasts. The marketing strategies are often updated whenever the analysis is performed using the decision support systems. The information that is gathered by the decision support systems include; records of the organization’s assets and data warehouses. There are also relational data sources as well as proportional information on sales in recurrent weeks. The systems also gather information on the organization’s revenue projections based on the assumptions made as regards the sale of new products. The decision support systems have the benefit of maintaining efficiency among the decision makers. They enhance decision making through speedy identification of problems as well as solutions. Moreover, interpersonal communication in the organization is enhanced. Control of the organization is enhanced, and it is possible for organizational learning and training of staff to be accomplished more easily. For the management to be credible as regards the decisions that are made in the organization, the decision support systems are needed to provide fresh evidence to uphold the decision. The organizational competitiveness is increased and also empowers the decision makers to explore and discover better strategies for accomplishment of organizational decision making. It is also a major step towards automation of the organizational management as well as introduction of new methods of thinking as regards problems facing