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.

Beverly lowry essays

Beverly lowry essays Beverly Lowry, Her Dream of Dreams: The Rise and Triumph of Madam C. J. Walker, [New York: Alfred A Knopf, 2003], 481pp. Beverly Lowry, the author of Her Dream of Dreams, grew up in Greenville, Mississippi, but was born in Memphis, Tennessee on August 10, 1938. Lowry is the author of six novels and two nonfiction books. Lowry is also the director of the Creative Nonfiction Program at George Mason University. She currently resides in Washington, D.C. Beverly Lowry became interested in Madam C.J. Walkers story when she considered doing a novel authorized by the estate of Alex Haley. Lowry purpose for writing the book on Walker was to filter out Walkers thinly documented story and frame it into the roiling race relations of her day. The theme of this book is the life of Madam C.J. Walker. It discusses her road to success in becoming one of the first women of any race to be a millionaire. The historical period the book relates to is the Age of Progressivism. Born Sarah Breedlove on December 10, 1867, Madam C.J. Walker grew up the child of freed slaves, Owen and Minverva Breedlove, on a plantation in Delta, Louisiana. Walker lost her parents at the age of seven, and married for the first time at the age of fourteen. At the age of seventeen, Walker had her first and only child, Lelia. By the age of twenty she was a widow, but married twice again, the last being Charles Joseph Walker. Breedlove went on to adopt his name in 1906, later adding the title Madam, which was custom for woman in business. Wanting a better life for her daughter, as well as, herself, Madam C.J. Walker moved to St. Louis and continued work in the laundry business. With the money she made, she sent Lelia to school to get that education she never received. After working for eighteen years she got to see her daughter graduate from high school and go to college. Madam Walker claim to fortune, was prompted by Walkers hair fall...

James McPherson - Civil War James McPherson - Army of the Tennessee

James McPherson - Civil War James McPherson - Army of the Tennessee James McPherson - Early Life Career: James Birdseye McPherson was born November 14, 1828, near Clyde, Ohio. The son of William and Cynthia Russell McPherson, he worked on the familys farm and aided with his fathers blacksmith business. When he was thirteen, McPhersons father, who had a history of mental illness, became unable to work. To aid the family, McPherson took a job at a store run by Robert Smith. An avid reader, he worked in this position until he was nineteen when Smith aided him in obtaining an appointment to West Point. Rather than immediately enroll, he deferred his acceptance and took two years of preparatory study at Norwalk Academy. Arriving at West Point in 1849, he was in the same class as Philip Sheridan, John M. Schofield, and John Bell Hood. A gifted student, he graduated first (of 52) in the Class of 1853. Though posted to the Army Corps of Engineers, McPherson was retained at West Point for a year to serve as an Assistant Professor of Practical Engineering. Completing his teaching assignment, he next was ordered to aid in improving New York Harbor. In 1857, McPherson was transferred to San Francisco to work on improving fortifications in the area. James McPherson - The Civil War Begins: With the election of Abraham Lincoln in 1860 and the beginning of the secession crisis, McPherson declared that he wished to fight for the Union. As the Civil War began in April 1861, he realized that his career would be best served if he returned east. Asking for a transfer, he received orders to report to Boston for service in the Corps of Engineers as a captain. Though an improvement, McPherson desired to serve with one of the Union armies then forming. In November 1861, he wrote to Major General Henry W. Halleck and requested a position on his staff. James McPherson - Joining with Grant: This was accepted and McPherson traveled to St. Louis. Arriving, he was promoted to lieutenant colonel and assigned as chief engineer on the staff of Brigadier General Ulysses S. Grant. In February 1862, McPherson was with Grants army when it captured Fort Henry and played a key role in deploying Union forces for the Battle of Fort Donelson a few days later. McPherson again saw action in April during the Union victory at the Battle of Shiloh. Impressed with the young officer, Grant had him promoted to brigadier general in May. James McPherson - Rising through the Ranks: That fall saw McPherson in command of an infantry brigade during the campaigns around Corinth and Iuka, MS. Again performing well, he received a promotion to major general on October 8, 1862. In December, Grants Army of the Tennessee was reorganized and McPherson received command of XVII Corps. In this role, McPherson played a key part in Grants campaign against Vicksburg, MS in late 1862 and 1863. In the course of the campaign, he took part in victories at Raymond (May 12), Jackson (May 14), Champion Hill (May 16), and the Siege of Vicksburg (May 18-July 4). James McPherson - Leading the Army of the Tennessee: In the months following the victory at Vicksburg, McPherson remained in Mississippi conducting minor operations against the Confederates in the area. As a result, he did not travel with Grant and part of the Army of the Tennessee to relieve the siege of Chattanooga. In March 1864, Grant was ordered east to take overall command of Union forces. In reorganizing the armies in the West, he directed that McPherson be made commander of the Army of the Tennessee on March 12, replacing Major General William T. Sherman, who was promoted to command all Union forces in region. Commencing his campaign against Atlanta in early May, Sherman moved through northern Georgia with three armies. While McPherson advanced on the right, Major General George H. Thomas Army of the Cumberland formed the center while Major General John Schofields Army of the Ohio marched on the Union left. Confronted by General Joseph E. Johnstons strong position at Rocky Face Ridge and Dalton, Sherman dispatched McPherson south to Snake Creek Gap. From this undefended gap, he was to strike at Resaca and sever the railroad which was supplying the Confederates to the north. Emerging from the gap on May 9, McPherson became concerned that Johnston would move south and cut him off. As a result, he withdrew to the gap and failed to take Resaca despite the fact the city was lightly defended. Moving south with the bulk of Union forces, Sherman engaged Johnston at the Battle of Resaca on May 13-15. Largely inconclusive, Sherman later blamed McPhersons cautiousness on May 9 for preventing a great Union victory. As Sherman maneuvered Johnston south, McPhersons army took part in the defeat at Kennesaw Mountain on June 27. James McPherson - Final Actions: Despite the defeat, Sherman continued to press south and crossed the Chattahoochee River. Nearing Atlanta, he intended to attack the city from three directions with Thomas pushing in from the north, Schofield from the northeast, and McPherson from the east. Confederate forces, now led by McPhersons classmate Hood, attacked Thomas at Peachtree Creek on July 20 and were turned back. Two days later, Hood planned to attack McPherson as the Army of the Tennessee approached from the east. Learning that McPhersons left flank was exposed, he directed Lieutenant General William Hardees corps and cavalry to attack. Meeting with Sherman, McPherson heard the sound of fighting as Major General Grenville Dodges XVI Corps worked to halt this Confederate assault in what became known as the Battle of Atlanta. Riding to the sound of the guns, with only his orderly as an escort, he entered a gap between Dodges XVI Corps and Major General Francis P. Blairs XVII Corps. As he advanced, a line of Confederate skirmishers appeared and ordered him to halt. Refusing, McPherson turned his horse and tried to flee. Opening fire, the Confederates killed him as he tried to escape. Beloved by his men, McPhersons death was mourned by leaders on both sides. Sherman, who considered McPherson a friend, wept upon learning of his death and later wrote his wife, McPhersons death was a great loss to me. I depended much on him. Upon learning of the death of his protà ©gà ©, Grant was also moved to tears. Across the lines, McPhersons classmate Hood penned, I will record the death of my classmate and boyhood friend, General James B. McPherson, the announcement of which caused me sincere sorrow...the attachment formed in early youth was strengthened by my admiration and gratitude for his conduct toward our people in the vicinity of Vicksburg. The second highest ranking Union officer killed in combat (behind Major General John Sedgwick), McPhersons body was recovered and returned to Ohio for burial. Selected Sources Sherman Loses his Right Bower by Wayne BengstonCivil War Trust: James McPherson Major General James B. McPherson

The Lloyds Building of London Essay Example | Topics and Well Written Essays - 1500 words

The Lloyds Building of London - Essay Example These features are made to represent and replace decorative elements for the outer faà §ade. The focus on the mechanical elements is a distinguishing feature of the Modernist movement while its recognition that everything is in a constant state of change, requiring the ability to quickly change out parts, is a characteristic of the Postmodern. Located in the center of London’s financial district and originally intended to serve as headquarters for a large insurance firm, the context of the structure again emphasizes Modern ideals with its focus on monetary, capitalistic values. Yet its design functions to make the building highly flexible, quickly and easily converted into any number of different uses and ready for the addition of any newly developed technology, such as fiber optic internet which wasn’t developed until well after completion, placing it again within the realm of the Postmodern. It is only through a very close examination of the building that one can det ermine the structure is actually more Modern than Postmodern even though it reflects the major attitudes and emphasis of each era. Modern ideas suggest that everything important to human life can be categorically classified into specific categories and definitions. â€Å"Modernity is a project, and not only a period, and it is, or was, a project of control, the rational mastery over nature, the planning, designing and plotting which led and technocracy† (Beilharz, 2001: 6). The basic ideas of Modernism were to analyze the various processes that comprised human existence in the mechanized and standardized world to discover the universal truths that could then be applied to all cultures. Clean lines and clear boundaries were expected to be found that would then be canonized and applied throughout the world as a means of developing a perfect global civilization.

Managing&Leading Change Assignment Example | Topics and Well Written Essays - 2500 words

Managing&Leading Change - Assignment Example The significance of the specific article can be identified in the fact that both the literature and the empirical research have been employed in order to prove the interaction between theory and practice in the case of change management. The authors have used the concepts of change management theory along with the views of postgraduate students – currently managers – who have studied change management and had to apply theory in practice. The specific study can be therefore characterized as quite effective addressing the entire key issues using appropriate theories and empirical data; its potential use by teachers in the change management field could be considered to be one of its distinctive advantages. As in any study, weak points also exist – as analyzed below. However, they cannot be considered as having a major influence on the study’s effectiveness in the change management sector. The structure of the specific study is clear; it is also aligned with its priorities – as set by the authors. The views of the literature are presented in the first section of the study which is clearly distinguished by its second part – under the title ‘study approach’. Despite the fact that material within the study is appropriately placed - the concepts highlighted are valuable, still there is a significant weakness: the analysis of the literature presented in the first section is limited – in fact in the first section the views of the authors on the issues mentioned in the literature cannot be identified. The views of theorists are just placed one after another with no analysis of the content. In this way the interpretation of the definitions and the concepts presented in the literature section is not available to the reader of the specific article; it could be assumed that the reader is offered the chance to make his own assumptions on the mater ial presented in the literature section – especially after studying the findings of the empirical research presented in the second part of the article.  Ã‚