Inclusion and Mainstreaming of Children with ADHD Essay

Consideration and Mainstreaming of Children with ADHD - Essay Example The paper starts with a general conversation of ADHD and remembers an audit of the most recent writing for the theme with an evaluation of past experimental discoveries on the examination subject under scrutiny. Section 1 gives a foundation, significance, writing survey, and the points and targets of the exposition. Section 2 recognizes the components related with how the scientist means to move toward this examination, clarifying techniques for information assortment and information investigation to be received. Consideration Deficit and Hyperactivity Disorder (ADHD) is a condition portrayed by hyperactivity, hastiness, and negligence that gets evident in certain youngsters in the pre-school and early school years. The general side effect is the powerlessness to control conduct and additionally to focus. Exploration discoveries (Greenberg and Horn, 1991) evaluated that in certain nations like the United States, 3 to 5 percent of kids have this condition, which implies that in an ordinary study hall of 25 to 30 youngsters, there would be in any event one with ADHD. Albeit first depicted by Hoffman in 1845, Still (1902) was the first to portray the condition in a logical paper and theorized the reason to be a hereditary brokenness and not poor kid raising. Garber, Garber, and Spizman (1990) were the first to utilize the term ADHD for the condition. Hunsucker (1988) was the first to contend that if people with ADHD were dealt with ahead of schedule, there would be a decrease in the adolescent and grown-up crime percentages, school drop-out rates, and liquor and medication misuse. ADHD is a treatable condition the sooner it is determined and if kids to have ADHD are given custom curriculum. This is the reason there has been an expansion during that time in the logical writing on the theme, all the more explicitly on the issue of mainstreaming and incorporation of kids experiencing custom curriculum. Mainstreaming is the first term that depicts putting kids with inabilities in study halls with non-incapacitated youngsters. In the beginning times, specialized curriculum youngsters were put in exceptional classes and would join standard study hall settings during additional classes, for example, music and workmanship. This term has advanced into incorporation which attempts to put specialized curriculum and debilitated youngsters in standard instruction classes as frequently as could be expected under the circumstances (York et al., 1992; Adamson et al., 1990; Cook and Friend, 1992; Conn, 1992; CEC, 1993; Friend and Cook, 1992; Giangreco et al., 1993). These papers contended for the principle purposes for the enthusiasm on this issue have to do with the way that the study hall and school conditions give a compelling variable to early analysis, the

Moral Implication of Frankenstein Essay

The message, benefits, and good ramifications of Mary Shelley’s Frankenstein have been for quite some time discussed and examined. Many repeating topics which are well-suited to surface in these discussions are those, for example, the burdens of counterfeit creation and the â€Å"man isn't God† contention. These subjects have been so altogether investigated and abused that this article couldn't in any way, shape or form produce and unique idea inside the domains secured by these themes. So as to detail something remotely new and at any rate moderately fascinating, this article tries to move the concentration to the less investigated predicaments which Shelley may have deliberately or subliminally woven into the exemplary novel. The very reality that Mary Shelley is a lady throws the effectively striking story in a completely new light. To peruse it equitably is unrealistic, if certainly feasible, in light of the fact that accounts like this are just not composed by ladies. Actually, there are some thingsâ€focusing on an exciting plot for the rush, concentrating characters like beasts and phantoms, conspicuously displaying a male to male bondâ€that are seen from female creators so rarely, the presence of one or different viewpoints in a story would be a genuine stun. This is positively not a thump against female creators! It isn't at all an affront, really. It is essentially an investigation of the female specialty in writing initially. The way that Shelley demolished this shape with Frankenstein is a demonstration of her imagination, uniqueness and expertise, separating her from all creators, male or female, and raising her to a place of regard and brilliance which traverses ages and sex. When considering the female brain research, endeavoring to learn what a female would deliberately or subliminally endeavor to demonstrate with the novel is intriguing. While a few littler focuses are made by Shelley in the content, the most significant and in general message of the novel is this: no man or research center can supplant the normal maternal nature of the human mother. The supporting gave by a mother is the most important and indispensable experience of a child’s life and legitimately influences the individual he becomes. While this procedure can be imitated with encourage homes, day cares, halfway houses and such, just the immediate bond among maker and creation will get the job done to deliver the best of results. The initial step is to demonstrate that Shelley expected for Victor to be seen as a mother to his creation. The point that Victor isn't a lady appears to upgrade the possibility that he is unequipped for undertaking the errands of an essential parental figure. Given Victor’s manliness, she utilizes the characters to â€Å"experiment† with a maker youngster relationship without the maternal idea of a lady. To do so she insinuates the solid equals associating the connections. Toward the finish of Volume 1, Victor’s considerations go to how he would â€Å"spend each imperative drop of blood for [the family’s sake]† (Shelley 90). This statement is a reference to the belly and the â€Å"lifeblood† shared by a family. Each drop of blood flowing in a pregnant lady is shared by the baby living inside her as she truly makes the kid in her belly. That blood is then common by the following baby as mother and kids become together into a family joined by this blood. Shelley is demonstrating that similarly as Victor is attached to his mom by blood, so too is he fortified with his Monster. This isn't the first run through Shelley depicts Victor as a protective figure. In the portrayal of the creation procedure, Shelley draws associations among it and a pregnancy ordinarily. Regardless, the general idea of the production of a newborn child and the formation of a beast are almost indistinguishable. Victor discusses the â€Å"power set inside his hands† to â€Å"bestow animation† on â€Å"lifeless matter;† matter which will in the end become an extraordinary framework with incalculable â€Å"intricacies of filaments, muscles, and veins† (Shelley 54). Is this not something very similar that can be said of a mother? For she, as well, makes a mind boggling being from nothing with a â€Å"anxiety which nearly sums to agony† in the torments of pregnancy and work (58). Having indicated that Shelley planned for Victor to assume the job of ‘mother’ in her relationship, center will currently move to a definitive purpose of the novel: The supporting gave by a mother (Victor), is the most important and indispensable experience of a child’s life and legitimately influences the individual he becomes. From the earliest starting point, Victor evades the obligation of support and actually runs from it. As the animal rises and shines he shouts: â€Å"breathless ghastliness and appall filled my heart. Unfit to persevere through the part of the being I had made; I hurried out of the room† (Shelley 58). The Monster at that point promptly accept the job of newborn child in the relationship as Victor says, â€Å"His eyes were fixed on me. His jaws opened, and he murmured some awkward sounds, while a smile wrinkled his cheeks† (Shelley 59). In the ordinary human domain this circumstance would be met with twelve tear-filled eyes trying to hold and indulge the creation. Tragically for the Monster, no such treatment is offered by Victor. Frankenstein leaves the Monster to fight for himself. The repulsive outcomes of this absence of sustaining follow with force and recurrence. This is demonstrated by the quickly assembling feeling of disarray and forlornness inside the beast. Sentiments which are just duplicated by society’s general dismissal of him. The Monster mourns to Victor upon their gathering on these sentiments, â€Å"no unmistakable thoughts consumed my psyche: everything was confounded. I felt light, and appetite and thirst, and obscurity; endless sound rang in my ears and on all sides different aromas saluted me† (Shelley 106). The Monster required an individual to give some setting to these sensations, he required a nurturer to control him through the troublesome way of current urban presence. He knew basically nothing and languished over it. The Monster reviews in a story to Victor his finding of cabins, bungalows and houses: â€Å"The entire town was energized; some fled, some assaulted me, until, horrifyingly wounded by stones and numerous different sorts of rocket weapons, I disappeared to the open country† (Shelley 109). Had Victor been there to guide and mentor his creation through life as a mother accomplishes for her kid, the Monster would have encountered exponentially less torment and enduring, if any whatsoever. It was an extraordinary guidance and care that the Monster wanted. He longed for the particular life-preparing that must be offered by one’s maker. Despite the fact that he learned language, work and more from the cottagers he didn't watch anything, could supplant what just Victor as the maker could offer. The Monster subtleties this in discussion with Victor, â€Å"Of my creation and maker I was completely ignorant† he at that point grumbles of different disasters he looked before saying, â€Å"I can't portray to you the anguish that these reflections incurred upon me: I attempted to disperse them however distress just expanded with knowledge† (Shelley 123). It was not the â€Å"knowledge† he desiredâ€he was plainly getting more than agreeable instruction from the house dwellersâ€it was the relationship with his maker that made a difference most, from which the information comes as a bi-item. To inquire as to whether Victor learns his exercise isn't questionable. Shelley gives him a reasonable additional opportunity to reexamine his choice and he picks effectively. The Monster asks, or all the more along these lines, requests, point clear that Victor make him a partner: â€Å"You must make a female for me, with whom I can live in the trade of those feelings fundamental for my being. This only you can do; and I request it of you as a correct which you should not decline to concede† (Shelley 147). At first, Victor cannot, much under the danger of torment. At that point, with the Monster’s persuading words and supplications for sympathy, Victor concurred under the condition that the beast oust himself and his lady to South America. One night, in any case, amidst making the second being, Victor out of nowhere went to the acknowledgment that the making of a subsequent female would not really be to improve things and â€Å"made a serious pledge in [his] own heart never to continue [his] labors† (Shelley 171). This goals to not rehash his misstep shows that Victor perceived the blunder in his first creation. It isn't the creation that was the issue. He clearly was more than equipped for delivering a partner for the primary Monster, however understood that he was unable to give the fitting supporting. He saw, at long last, the principle necessity of creation: the instruction and sustain of the animal to become what one proposed for it to become, at the end of the day, one needs to complete the activity. Similarly likewise with each human birth, one can't simply carry the animal into the world and let it fight for itself. Frankenstein saw the restrictions he had as a maker and settled on the dependable choice to never rehash his error. While the first motivation behind this paper was to expand on Shelley and the thoughts she expounded on as a female, the topics of the novel are too all inclusive to even consider being nailed down as something just a female could make. Creation, it turns out, includes two sections: the first is the giving of life, and the second is the supporting of life. As a female both of these are predominant, more so than with guys, however this work shows that guys are truly answerable for creation. Perhaps this whole book is a more than basic editorial on the requirement for guys to step up into the second creation job to help their spouses, or possibly it is only a decent tale about a beast and a man. In any case, Shelley created a novel with amazingly expansive subjects which contains strong, verifiable contentions which

Blog Archive MBA News The Financial Times Rankings London on Top, but Does It Matter

Blog Archive MBA News The Financial Times Rankings London on Top, but Does It Matter The Financial Times released its ranking of the top international business programs, and our primary question is (as always), how relevant can rankings actually be when they compare apple and oranges? In the case of the Financial Times, some schools are “audited” in 2006 and others are “audited” in 2010. For example, the National University of Singapore was last audited in 2006 and is now ranked as the 23rd “best” school on the list of the top 100 MBA programs. Meanwhile, the Indian Institute of Management, which was audited in 2011, debuts at 11th overall, ahead of the University of Chicago Booth School of Business, which was last audited in 2007. So, if you think that these statistical measures are flawed because of the different audit years aloneespecially considering the role that salary plays in the Financial Times ranking and thus the absurdity of comparing those who graduated during a recession with those who graduated during boom timesconsider the problems involve d in measuring and comparing qualitative data, such as the cohesiveness of the community, support for spouses or the nature of external health care expenses. By their very nature, rankings simplify that which cannot be simplified and assign a numeric value to that which cannot be quantified. Still, rankings sell and applicants buy, and thus the Financial Times will surely release their flawed rankings again. Share ThisTweet News

Effective Stage Combat Techniques

Conflict is the essence of drama.  Onstage, many characters will fight with words only up to a certain point before physically expressing their frustration on something or someone.  Most plays include some element of violence: a slap, a punch, a stab, or just attempts at these types of strikes.  Some plays, especially classics, have complicated sword fights and mass battles.   To present such scenes—called â€Å"fight scenes†Ã¢â‚¬â€on stage so that they look realistic, but do not actually harm the participants, actors learn and practice stage combat. No matter the number of moves in the fight scene—one move or fifty—stage combat is the term used for any act of violence done or attempted on another character. Armed and Unarmed Armed stage combat involves weapons, any type of weapon—rapiers, daggers, broadswords, quarterstaves, knives, guns, or found weapons. (Found weapons are exactly as they sound—an actor uses whatever is in reach to threaten, defend, or attack. This includes anything from a cushion to a clip board to a broom.) Unarmed stage combat refers to any and all moves that do not involve weapons: punches, kicks, slaps, grappling, and falls.  Actors and directors often mishandle unarmed moves because they appear less dangerous than armed attacks.  Unarmed fight scenes, however, are where most injuries occur. Slaps in particular have earned themselves a reputation as the most dangerous move in stage combat circles. In the hands of untrained actors, they can hurt when performed hand to cheek and leave giant red marks on faces. Just as with armed stage combat, behind each punch, kick, and slap, there are whole sets of moves and methods developed to produce a believable act of violence on stage.   A fight director is someone who has studied and trained in all or most of the stage combat disciplines. Fight directors can evaluate the actors, stage or performance space, and audience angles to plan and teach the best way to provide a realistic scene or moment of violence.  Like a choreographer who brings dance expertise, a fight director brings realistic looking combat moves and safety to stage performances. The most dramatic and poignant moments in a play often involve elements of stage combat. A good fight director can heighten those important climatic scenes and keep the audience thoroughly engaged in the dramatic action. Without the guidance of a fight director, two actors in a heated debate may be too obvious as they pull their punches (not hit as hard as possible), the actor who performs a crucial stabbing can clearly miss his mark, or an actor who has been shot in the back can fall the wrong way.  Fight directors know how to blend these combative moments believably into the audience’s experience. Stage combat is a fascinating and fun element of theatre.  Like many other aspects of theatre, its rich background and methods require study and dedication—all of which go completely unnoticed when a fight scene is done well!

Is Writing A Learned Skill Or An Innate Gift Essay

Is writing a learned skill or an innate gift? â€Å"The secret of becoming a writer is to write, write and keep on writing† (Ken MacLeod). Writing is a beautiful art and people think it is a gift that only some possess. I would say, writing is both a learned skill and a gift possessed. Indeed, writing is a combination of natural aptitude and hard work. Writers develop a natural aptitude for writing in a process with hard work but no one is born as natural writer. More importantly, writing is pivotal type of effective communication. The words we write on a paper is our thoughts filled with our beliefs. Writing is a communication that is required in all types of career fields. Experienced writers use the writing process to produce an effective piece of writing. The writing process involves the stages of prewriting, drafting, revising, editing and proofreading. To begin with the prewriting stage, it consists of different types of techniques and strategies that aid in effectively writing. Prewriting includes cluster maps, outlines, journal writings, free writings, and brainstorming. Prewriting is the first step you will be working on that leads to effective writing. I use clustering maps to get ideas related and extract new ideas from main points. Freewriting is also another potent strategy that the writer can write everything that comes to his/her mind and later revise and edit that it focuses on the crucial point of the essay. Again, there are a lot of strategies that a writerShow MoreRelatedWhy Are Learning A Second Language?945 Words   |  4 PagesBehaviorist believe that children learn by imitating what they hear and developing the corresponding skills. They believe that students who are learning a second language take the skills they know from their first language and relate them to concepts they are learning in the second language. When doing this the students will have a positive transfer and a negative transfer of concepts. A positive transfer is when they relate to their second language and there are similarities between the languagesRead MoreLeadership1348 Words   |  6 PagesAdvanced Leadership Skills I grew up in a conservative family. My father has served in the Philippine military and the Philippine government most of his life, and my mother was a dedicated nurse midwife and professor at a university hospital. Serving and caring for people has become second nature to my family. My father was strict and a disciplinarian; he did not allow my family to be out of the house after 6:00 p.m. He believed that it was important to have every member of the family home forRead MorePK Curriculum: Education and Curriculum Constructivism2675 Words   |  11 Pagesopportunities must be interesting, meaningful, and purposeful for learners particularly children. Education prepares children for life, not for any specific social institution. Since each person is born with innate gifts that are unique to their own personality, the perceptive educator must nurture those gifts and help the child discover their own individual purpose. Because the process of education is individualized, the school should be away from an indoor room and, if possible, in the country, withoutRead More The Evolution of Writing as an Important Form of Communication2953 Words   |  12 Pagesprocess of writing starts to take shape, an idea must be developed and contemplated. The underlying question at the beginning of this process is, Why am I writing? For many, the initial response would be for a job, a grade, or to prove a point. On a basic level, however, animals behave according to two influences: instinct or experience; humans, since they are animals, are no different. There is a debate over whether humans write because it is in their genetic code or because wri ting is a usefulRead MoreLeaders Are Born, Not Made2044 Words   |  9 PagesVarghese, from Forbes describes Ford. â€Å"As a child, Ford was quiet and inward-looking and spent much of his time around his mother. She died while he was very young, leading him into depression. His father despised him for not showing any interest or skill in farm work and literally wrote Henry off, saying he would never amount to anything. Ford apprenticed as a low-level machinist at various places, not even earning enough for a decent living. He did not possess anything that could make him a born leader--noRead MoreLiving, Loving, and Learning: Buscaglia Reflection2507 Words   |  11 PagesWe all learned how drugs can mess people up because we saw her every day, but I wonder how valuable she thought the lesson would be to us because it was something she obviously didnt believe in? You cannot give to someone what you do not have yourself. Buscaglia makes over and over the point that knowledge and love are both things that we can gain and gain, yet we are able to share them with others without ever depleting our own supply. Because as teachers we need to have the skills to teachRead More Reflection in Living, Loving, And Learning by Leo Buscaglia Essay2462 Words   |  10 Pagesinstead of speaking and didnt even know it. Other days she would fall asleep on her desk while we watched whatever we wanted to on TV. There was more than one time when the stapler ended up in the garbage when the bell rang and woke her up! We all learned how drugs can mess people up because we saw her every day, but I wonder how valuable she thought the lesson would be to us because it was something she obviously didnt believe in? You cannot give to someone what you do not have yourself. Read MoreEssay on Success and Failure in Two Kinds by Amy Tan1889 Words   |  8 PagesJing-Mei never veers from her resolve, but a surprising event offers hope for forgiveness. On Jing-Mei’s thirtieth birthday, her mother says she wants to give the piano to Jing-Mei. She feels at that moment â€Å"a tremendous burden removed† (Tan 212). The gift appears to Jing-Mei as a signal for reconciliation, yet her mother offers no apology or words of consolation, only repeating the phrase: â€Å"[y]ou just not trying† (Tan 212). As a consequence, Jing-Mei leaves the piano at her mother’s house and paysRead MoreA Reflection On My Journey Essay2133 Words   |  9 Pagesis constantly changing. Many threats (e.g., death and aging) are unavoidable and therefore, cause an ongoing unpredictability, ending in suffering (Hanson Mendius, 2009). The fact is that we have been in a never-ending struggle with what we have learned from each other, ever since arriving on planet earth and into a physical body. The undeniable reality of interconnectedness to all of nature and the universe has created tremendous suffering over time in individuals (Hanson Mendius, 2009). I haveRead MoreEssay My Thoughts on Writing4282 Words   |  18 PagesMy Thoughts on Writing The only thing I care about; the only thing I hope to get from this course, is some improvement in my ability to write what I think -- explain ideas and feelings to other people. I dont give a damn about anything else, and so far I havent been disappointed. At the beginning of the course I was informed that we were going to be discussing exposition, which isnt so much a kind of writing as a purpose or attitude behind it. This purpose is to explore, unfold, or develop

Morality in Ethan Frome Essay examples - 705 Words

Morality in Ethan Frome In The Morality of Inertia, Lionel Trilling argues that Ethan Frome’s inability to make his own ethical decisions ultimately makes his ‘smash-up’ a tragic event caused by the inactivity of morality. The nonexistence of this moral inertia is the explanation, for Trilling, for the outcome of Frome; the lack of moral responsibility in any of the main characters from the beginning of their lives paralyzes their decision making process-- they simply exist and do what is their duty. Trilling’s aspect that Frome was a morally inadequate man is a valid fact affirmed by Edith Wharton’s provided background of him; the idea that he was unable to make choices and is only capable of enduring can be proven inaccurate with†¦show more content†¦Although Frome can be held responsible for his moral inactivity, he can be considered a morally inadequate man in his present state. His inadequacy, however, was not a constant in life or a sudden occurrence-- it snowballed from his youth and finally solidified through the ‘smash-up’. His earlier experiences in a university and the joy it brought him was quickly interrupted after a year by his sickly parents. The unfortunate circumstance forces Ethan Frome to move back to the depressing Starkfield he had just escaped. His parents’ illnesses bring along Zenobia, who would be another future, unseen oppression along with Starkfield. For years, Ethan lives in depressing conditions that decline as time goes on. The chance to finally leave them behind, however, comes in Mattie, Zenobia’s cousin and maid. Ethan’s inability to act on this chance of escape finally seals his fate when Mattie is paralyzed and he is critically injured. Although jinxed with unfortunate circumstances, Ethan Frome’s life could have been bettered if one small step or action was taken by him for himself with the intention to create personal joy or pleasu re. The importance of taking steps in life betterment can be seen in Ethan Frome. Although one may lack a history of â€Å"making moral decisions,† the human instinct to do so is always there (from MoralityShow MoreRelated Essay on Whartons Ethan Frome: Ethan Frome as Fairy Tale750 Words   |  3 PagesEthan Frome as Fairy Tale    Edith Whartons Ethan Frome is vividly real to its readers, its issues continually relevant to society, but through its structure and moral lessons, it is intended to be read as a fairy tale. Elizabeth Ammons discusses this fairy tale in her article Ethan Frome as a Fairy Tale, explaining that the novel is a vision of the narrators. As evidenced by the introductory chapter, the narrator truly has few clues as to the real story of Ethan Frome, and theseRead MoreEthan Frome Character Analysis770 Words   |  4 PagesThe Flaw of Frome Ethan Frome by Elizabeth Wharton is a short novel describing the life and downfall of Ethan Frome, as told by the man himself to an intrigued narrator spending the winter in Starkfield, Massachusetts. Ethan Frome, like many other protagonists, is burdened with a fatal flaw; This imperfection, his love for his wife’s caregiver and niece Mattie, leads to the loss of his wife and a tragic accident leaving him scarred and lame. We are introduced to Frome as the narrator spots him atRead MoreDesire Vs. Morality And Duty3154 Words   |  13 PagesSection I: Theme Desire vs. Morality and Duty: Throughout the novel, Ethan seems to struggle with managing his desire for Mattie and his duty as a husband. This theme is apparent throughout the entirety of the novella. It starts before the book even begins. Ethan, in the first chapter, admits to often walking Mattie, his wife’s cousin, home just to spend few minutes alone with her. However it is first mentioned in the book when Ethan is standing alone, just watching Mattie dance. He knows he hasRead MoreAnalysis Of The Novel Ethan Frome 1453 Words   |  6 Pageslarger part of the novel than it is. However, the setting of Starkfield in Ethan Frome is different in that the depiction of Starkfield is integral to one’s understanding of the underlying motives and feelings of the characters in the novel. The â€Å"accumulated cold of many Starkfield winters† (Wharton 5) tangibly affects the personalities and actions of Ethan, Zeena, and Mattie, mostly negatively. The character of Ethan Frome is first introduced to us via an unnamed narrator, who is an engineer temporarilyRead MoreTheme and Symbol in Ethan Frome1357 Words   |  6 PagesDivided between the two women, Ethan Frome is a highly confused man. He seeks to find some â€Å"ease and freedom† represented by Mattie, but society would not allow him to do so. Society instead compels him to accept its burden represented for him in the shape of Zeena, although it means the ruin of his life. The social pressure, whether it takes the form of conventional morality or any other forms, offers Ethan blind opposition at every turn, leashing his actions â€Å"like the jerk of a chain† (p.3). AwareRead MoreMajor Works Data Sheet2079 Words   |  9 PagesMajor Works Data Sheet Advanced Placement Literature and Composition | |Biographical Information about the Author: | |Title: Ethan Frome | | | |Edith Wharton wasRead MoreA Futile Love Between Ethan Frome, By Edith Wharton2013 Words   |  9 Pagesâ€Å"Shallow men believe in luck or in circumstance. Strong men believe in cause and effect.† (Ralph Waldo Emerson). In the novel Ethan Frome, by Edith Wharton, it tells a story of a futile love between Ethan Frome and Mattie Silver. Ethan Frome was born on a farm in Starkfield, Massachusetts and has spent nearly the totality of his life there. He went away to college at Worchester but begrudgingly, returned after his father’s death and stayed to take care of his mother whose health was rapidlyRead MoreEssay on Edith Whartons Ethan Frome1992 Words   |  8 PagesEdith Whartons Ethan Frome Edith Wharton has succeeded in creating a place, which by its very name, is isolated and desolate - a mute melancholy landscape, which unrelentingly consumes those within, preventing them from ever escaping its grasp. Furthermore, Whartons novel delves into the human psyche, to give a glimpse of manipulation and entrapment. The prevailing mood is continually bleak and tragic, with only brief interludes of hope and romance, which are quicklyRead MoreThe American Dream, the Global Nightmare Essay1415 Words   |  6 PagesAmericans, looking for success as something he is supposed to want, rather than striving toward his individual desire. Thus, the dream now represents some superficial statistic that has nothing to do with true happiness gained by work ethic and morality, but with greed and competition. The dream, in what it represents today, is not able to withstand the impending bite of reality. Just as Gatz finds it almost impossible to be completely satisfied after meeting Daisy, society can just barely hold

Distribution Channels of Abu Dhabi National Insurance Company

Question: Discuss about theDistribution Channels of Abu Dhabi National Insurance Company. Answer: Introduction: The assignment concentrates on providing a brief context of Abu Dhabi National Insurance Company (ADNIC) in terms of its products and services. The focus of this assignment is to provide critical evaluation of the existing channels of distribution of the organisation and its contribution towards increasing the revenue margin. Along with this, the effectiveness of the current distribution channels of the organisation has been critically evaluated to find out the growth in the UAE insurance industry. Finally, the assignment sheds light on developing suitable recommendations to improve the existing channels of distribution and explore new ones for generating new customers into the organisation. Brief Context of Abu Dhabi National Insurance Company: ADNIC have trusted itself as an insurance partner with the expertise in providing various types of insurance and service products related to specific fields of areas of providing both individual and corporate support. The company aims to provide a specialized service in order to manage unpredictable health conditions, general risks and life risks. The company mainly leads in proving a multiline solution with its branch spread across 400 insurance professionals. The company has varied range of individual as well as corporate insurance products. The individual products include home insurance, wedding insurance, personal accident insurance, motor insurance, medical insurance and travel insurance. Some of the corporate insurance products of the company includes aviation insurance, liabilities insurance, group medical insurance, motor fleet insurance, financial lines insurance, energy sector insurance and various types o the insurance products given in the marine cargo and engineering pro ducts. The services of the company mainly include claims services (both for individual claims services and corporate claims of the services), risk engineering, mobile application support, assisting of America, MSH international, IGP partnership. It has been also observed that the company is transparent in providing the latest circulars with a clear intention of maintaining the highest amount of the services and transparency for the changes occurring on real time basis. The latest circular of the company is easily available in the websites of the company. The insurance company further aims provide leading underwriting solutions all over Middle East and North Africa (Adnic.ae 2016). Current Distribution Channels of Abu Dhabi National Insurance Company: ADNIC, have several distribution channels which mainly includes distribution of the previously insurance products via Banc assurance, Reinsurance and affinity programs. The company has taken several types of the partnership programs done with the help of leading partnership program, in the leading banks based in UAE, which are operating since 2010. The banc assurance program of the company aims to provide a tailor made services related to the commercial insurance products, health insurance products and the various types of the insurance services provided in the protection of the commercial health insurance solution. At present, the bank seen to o a tie up with National Bank of Abu Dhabi and this types of the distribution service is also seen with distribution of the insurance services via online portal (Adnic.ae 2016). The different types of distribution diversification of the company are further seen with the service provided to both the individuals and the corporate customers, and thereby meeting the necessary needs of the individual customers (Olsson, Gadde, and Hulthn 2013). The customized services provided by ADNIC aims to provide distribution via banc assurance in the fields such as: Credit insurance products Products related Motor vehicle Insurance Different of the products related to the home rentals and the insurance for the home owners insurance The company also aims to provide a varied range of the service in the critical illness products and the travel insurance products The second most important distribution channel of the company is seen with the distribution of the services in the various types of the affinity program offered by the company. The affinity programs are aimed provide the required amount of the benefit in the selected communities which are seen to operate in the varied range of professional societies, sports leisure groups, expat communities, business councils and the varied range of the employees operating in the corporate society (Wang 2016). ADNIC further offer various typed of the service related to the distribution of the insurance products with wide range of the corporate and the consumer products. The product of the company further shows the customization of the products in order to meet the needs and the requirement of customers and include the combination of the different types of the preferential terms. The affinity program shows the different types of the value added service, which are being distributed among the consumers which is seen to enhance the satisfaction among the members of the company. The affinity program is further seen to include the offer the required set of the essential services of the organization and the inclusion of the combination of the both preferential and the value added services in the specified set of service of the company (Sharma, Kolath and Sharma 2016). The different types of the secondary distribution channels of the company are seen with distribution of the products through direct marketing, online internet portals and insurance brokers. The company has taken several initiatives to communicate directly with the different types of the customers of the company. The company has maintained the new developments through the methods of research and the buying of the different types of the marketing products in the channel of directing marketing. The various types of the initiatives in the online portal distribution are seen with the transaction of the insurance services and the banc assurance products of the company found in the respective online portal of the company. For instance, ADNIC has maintained the online portal of National Bank of Abu Dhabi for the distribution of the banc assurance services of the company (Soleimani, Meshkani and Naami 2013). The company is further seen to take the different types of the developments seen in the mobile application and web portal development for providing the varied range of the insurance service both to the consumers are well as the corporate. It has been further observed that the insurance brokers has taken significant amount initiatives for viewing and the comparing of the policy details, making the necessary changes in the policies of the company, assisting in the payment of the premium of the insurance products (Vyas 2016). The main activities of the distributional services carried out by the brokers are related to interacting communicating and transacting the varied range of the available insurance service and products of ADNIC. It has been further seen that the company has taken the necessary initiative for social distribution in platforms such as Facebook and Twitter. The company offers the distribution of the several types of the products via the live chat support available in Facebook (Watkins and Diacon 2016). Effectiveness of the Current Distribution Channels of the Company in Marketing its Products and Services: The different distribution channels of ADNIC identified above and their effectiveness are briefly demonstrated as follows: Bancassurance: As commented by Genetay and Molyneux (2016), bancassurance is the association or partnership between a bank and an insurance firm, in which the latter utilises the sales channel of the former for selling its insurance products and services. In this context, ADNIC has established a partnership with the Abu Dhabi National Bank in 2010 for marketing its products and services. It has been observed that the organisation provides a series of protection, commercial and health solutions to corporate as well as individual customers. The major services promoted through bancassurance include credit life insurance, travel insurance, critical illness insurance, motor insurance and home renters and home owners insurance. With the help of this channel of distribution, ADNIC has been able to extend its customer base through reaching the customers in rural areas, which have difficult before. In addition, the company has managed to reduce the excessive reliance on a single network through bancassurance. However, Christopher, Payne and Ballantyne (2013) argued that the insurance organisation could use the details related to the customer identity for marketing its products, which could result in data insecurity. It has been assessed that National Abu Dhabi Bank holds a positive and strong image in the UAE market and involving in partnership with the same has enabled ADNIC to reduce its business risk through diversification. In this context, Gonulal, Goulder and Lester (2012), remarked that the insurance organisations benefit from the corporate image and reliability, in which people are likely to attribute to the banks. In addition, ADNIC has been able to diminish its cost of distribution in opposition to the conventional sales representatives. This is because the network of sales is identical for both banking and insurance solutions. Affinity Programs: In the words of Gadde (2014), the affinity programs are comprised of partnerships between two or more firms by accumulating persons having identical interest. This is mainly practiced to increase the consumer base of the opposite party. ADNIC has developed affinity program as a major distribution channel to offer advantages to the different communities of UAE. These communities include business councils, expat communities, professional societies and the staffs of the business partners. The voluntary insurance of ADNIC provides diverse range of consumer as well as corporate products to maximise the satisfaction level of the staffs, customers, members and the businesses. In this regard, Hsu, Lin and Shao (2014) advocated that increase in satisfaction level of the stakeholders helps an organisation to develop positive brand image and enhanced customer loyalty. The affinity programs offered on the part of ADNIC could be customised to suit the organisational requirements. The customisations include a mix of preferential terms and value-added characteristics on the sets of products. Under this distribution channel, ADNIC sells its products and services at cheaper prices, since the expenditures in marketing research could be minimised. Thus, with the help of affinity programs, the organisation could gain from the increase in customers in fidelity (Kiragu 2014). Hence, by entering into partnership with the professional communities, ADNIC has strengthened its reputation. Along with this, ADNIC could be able to identify the target audience of its business by accessing the information of the affinity partners for undertaking research programs. Furthermore, the affinity groups seeking help from ADNIC would be able to prevent and enhance goodwill by avoiding any risk and cost associated with direct merchandising of the product or service. Finally, with the help of affinity programs, ADNIC provides maximum value to the end consumers. However, Kumar and Srivastava (2013) argued that the advantages to the consumers rely on the nature of the affinity partner and the services sold. In addition, ADNIC is engaged in providing discounts to the customers like Multi Motor Policies Discount of 5%. Thus, it could be inferred that ADNIC has been able to accomplish its business strategy largely by initiating Affinity Programs in marketing its products and services. Social Media Insurance: As commented by Mols (2013), knowing the target audience is the key to success forb any industry, which necessitates the development of distribution channels. In order to ensure such success, the role of social media in insurance industry is immense. ADNIC has created a special page in Facebook to provide information and promote its services to the customers. With the help of this social media tool, ADNIC has been able to identify the target audience by tracking their age groups and gender. Hence, the company has gathered knowledge about the potential customers to plan for marketing campaigns and product offers to earn higher return on investment. It has been observed that ADNIC uses geo-targeting to deliver messages to the customers or demographic depending on the location. For instance, the organisation has marketed its products and services through Hootsuite for targeting the audience by age, gender and location. In addition, the organisation has been able to revise its marketing strategies based on the feedback received from the customers. Furthermore, ADNIC has adopted learning method for obtaining the perspectives of the customers regarding their product usage and ideas. Social media insurance helps an organisation to enhance the market intelligence and enjoy competitive advantage (Olsson, Gadde and Hulthn 2013). It has been found that the market capitalisation of ADNIC is 918.75 million AED, a part of which has been generated through its distribution channel of social media. Thus, ADNIC has formed strategic business decisions for maintaining competitive advantage in the market. For instance, the organisation has formed search streams in Hoot suite to monitor the new launch of the products and services of the competitors. Thus, ADNIC has introduced VIP level benefits and services to its customers by designing a platinum insurance policy to stay ahead of its competitors in the UAE market. Direct Marketing: As stated by Sharma, Kolath and Sharma (2016), the direct marketing could be defined as selling products to the customers directly by using different sales media. IN order to apply the direct marketing strategy, ADNIC has employed sales representatives to accumulate customer information. The accumulated data are then stored in the database of the organisation to reach the target audience. ADNIC applies direct mail and telemarketing as the direct marketing strategy to generate customers. The direct mail sent to the customers could be personalised to suit the customer requirements (Brophy 2013). In addition, the direct mail helps in saving additional cost in contacting the customers. Moreover, ADNIC also uses telemarketing strategy to interact with the customers. This task is mainly handled on the part of the marketing executives of ADNIC, in which the persons aim to address the customer issues and queries for convincing the customers. Since, the response rates are lower in direct mail, telemarketing has been chosen as another direct marketing strategy to reach the customers (Eling and Kiesenbauer 2014). The organisation has also been involved in keeping regular touch with the policyholders to find out if its coverage suits the needs of the latter. This has been done through cross selling to the portfolio and integration of value services. In addition, ADNIC contacts the policyholders, who want to lapse by convincing them to keep the policy over phone. Lowering the premiums on insurance policies is another marketing strategy to attract the customers. Hence, the direct marketing strategy of ADNIC is highly effective in nature owing to the methods deployed. Online Internet Portals: The online portal is another tool to link with the suppliers and buyers all over the world to generate new business partners and increase the sales revenue every year (Soleimani, Meshkani and Naami 2013). With the application of online portal in the organisation, ADNIC has been able to receive full access to the contacts of the buyer coupled with characteristics of online trading. Hence, by implementing the online business portal, the organisation has been able to save additional sum of money each year to penetrate deeper into the target market. Moreover ADNIC has been able to automate its sales process by configuring alerts related to certain keywords and triggers to provide notifications to the customers. In this regard, Vyas (2016) cited that the online portals enable the organisations to obtain notifications about the activities of the other businesses. The online portal of ADNIC has provided the organisation with an added advantage to examine the products and services of the rivals in detail. Along with this, ADNIC has used this online portal as a gateway to add innovation in the current products by studying the competitors products in detail. Therefore, the organisation has not applied additional resources to gain competitive edge in the UAE insurance industry due to the use of this powerful channel of distribution in expanding its network. Insurance Brokers: Insurance brokers are those persons that sell or negotiate insurance for compensation on behalf of the organisations (Wang 2016). ADNIC has appointed special insurance brokers to identify insurance cover for the organisation. These persons play major roles in generating strong relationships between ADNIC and its customers. In addition, the organisation often utilises its insurance brokers to schedule and attend meetings with the customers along with collecting the insurance premiums. In addition, the insurance brokers of ADNIC contribute to identifying the type of business risks faced. These risks include the natural hazards like weather conditions, fire and floods. Based on the information provided, the organisation selects its coverage area in the UAE market for distributing its products and services. However, the insurance brokers need to be utilised more, as direct interaction with the customers would help in increasing the revenue margin of the organisation. Recommendations to Improve Existing Distribution Channels or Explore New Channels for Achieving the Business Objectives: The advent of online banking and money transfers provides larger opportunities for ADNIC to streamline the payment pertaining to insurance premium. However, in terms of social media presence the company lags behind other corporate houses. The introduction of a Smartphone application can result in improving the level of engagement to its current and prospective consumers. A Smartphone application can convey the introduction of new insurance products by ADNIC; moreover, any changes in amount of premium can be communicated by a notification in the application. Moreover, the company needs to install separate set of analytics team in order benefit from different degrees of development in Big Data analytics to ascertain the insurance requirements of different sectors in the economies that ADNIC operates in. For instance, ADNIC can benefit from data analysis on road accidents to identify which regions are more prone to accident. Moreover, the company can also synthesize information regarding the income levels of certain region. Thereby, through targeting specific segments and geographical regions, the insurance company in turn can benefit from such customized form of marketing. A large proportion of health insurance arises from the migrant workers employed workers deployed in UAE through work permit visa. ADNIC can capitalize upon the large influx of workers through associating itself with the different employment contractors and thereby accepting employment insurance in bulk lots at a time. Moreover, the company can reduce overall degree of brokerage through higher level of accessibility to its end consumers by tying up with different sets of service providers in order to connect with the consumers. The company inadequately utilizes the insurance agents; thereby, the company requires in troducing more performance based incentives for such the brokers in order to engage them further. Thus, following these series of recommendations would help the organization to increase its market reach and generate additional customers in future. Conclusion: Based on the above discussion, it has been found that ADNIC has developed itself as an insurance partner having relevant expertise in various types of insurance and service products related to specific fields of areas of providing both individual and corporate support. The organisation uses different channels of distribution to increase its customer base and revenue generation. The major channels of distribution identified for ADNIC comprise of bancassurance, affinity programs, direct marketing, social insurance, insurance brokers and online internet portals. These channels of distribution have been found to be highly effective; however, the insurance brokers need to be utilised properly for generating maximum revenues. Additionally, it has been found that the organisation uses the online portals to accumulate customer information at lower cost and with minimum resources. Accordingly, the recommendations have been provided to the organisation to improve its channels of distribution further. References: Adnic.ae. (2016).ADNIC. [online] Available at: https://www.adnic.ae/en/products/bancassurance [Accessed 25 Oct. 2016]. Adnic.ae. (2016).ADNIC. [online] Available at: https://www.adnic.ae/en/about-us/about-adnic/ [Accessed 25 Oct. 2016]. Brophy, R., 2013. Bancassurance: An insurance concept from a Irish perspective.Journal of Financial Regulation and Compliance,21(4), pp.319-333. Christopher, M., Payne, A. and Ballantyne, D., 2013.Relationship marketing. Taylor Francis. Eling, M. and Kiesenbauer, D., 2014. What policy features determine life insurance lapse? An analysis of the German market.Journal of Risk and Insurance,81(2), pp.241-269. Gadde, L.E., 2014. Distribution network dynamics and the consequences for intermediaries.Industrial Marketing Management,43(4), pp.622-629. Genetay, N. and Molyneux, P., 2016.Bancassurance. Springer. Gonulal, S.O., Goulder, N. and Lester, R.R., 2012. Bancassurance--a valuable tool for developing insurance in emerging markets.World Bank Policy Research Working Paper, (6196). Hsu, W.Y., Lin, T.Y. and Shao, S.S., 2014. Distribtion systems and the quality of business: an empirical test on individual health insurance.Academia Economic Papers,42(2), p.197. Kiragu, S.M., 2014. Assessment of challenges facing insurance companies in building competitive advantage in Kenya: A survey of insurance firms. International journal of social sciences and entrepreneurship,1(11), pp.467-490. Kumar, R.K. and Srivastava, M., 2013. The antecedents of customer loyalty: An empirical investigation in life insurance context.Journal of Competitiveness,5(2). Mols, N.P., 2013. The Internet and the banks strategic distribution channel decisions.International Journal of Bank Marketing. Olsson, R., Gadde, L.E. and Hulthn, K., 2013. The changing role of middlemenStrategic responses to distribution dynamics.Industrial Marketing Management,42(7), pp.1131-1140. Sharma, K., Kolath, T.R. and Sharma, M.G., 2016. Group Mediclaim: A Product for Health Insurance.Available at SSRN 2796432. Soleimani, F., Meshkani, F. and Naami, A., 2013. An exploration study to detect important factors influencing insurance firms.Management Science Letters,3(11), pp.2691-2698. Vyas, M.M., 2016. A Study of Recent Trends in Insurance Industry.Indian Journal of Applied Research,5(9). Wang, H.C., 2016. E-commerce and Distribution of Insurance Products: A Few Suggestions for an Appropriate Regulatory Infrastructure. InThe" Dematerialized" Insurance(pp. 39-58). Springer International Publishing. Watkins, T. and Diacon, S., 2016. 13 Marketing Insurance.A Guide to Insurance Management, p.208.