The HalfEaten Brownie Essay Research Paper free essay sample

The Half-Eaten Brownie Essay, Research Paper # 8220 ; THE HALF-EATEN BROWNIE # 8221 ; This story is about my Grandma. She was such a grown-up females who played ( most ) everything safe. She ate every one of her foods grown from the ground and verified she had all the essential supplement bunches in her repasts. She attempted extremely hard to stay solid. She stressed over irregular and terrible things go oning to her family, especially after the entirety of the ongoing secondary school shots. She stressed over my sister Jennie and I who are still in secondary school. Each Saturday she would see the husbandmans advertise in San Leandro and buy those sound foods grown from the ground. She would other than observe the # 8220 ; Brownie Lady # 8221 ; and get her preferred cocoa Brownie with nuts. Presently she wouldn # 8217 ; t eat the entire Brownie at one clasp. She would hinder off little pieces and snack off of it for a few yearss, so by the clasp Saturday came around she would require another Brownie. We will compose a custom exposition test on The HalfEaten Brownie Essay Research Paper or then again any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Conceivably she thought this was more advantageous, just eating little totals at a clasp. Or on the other hand that the Calories didn # 8217 ; t tally when you severed them in pieces! At any rate, she would force herself to eat the Brownie in moderateness so it wouldn # 8217 ; t rattle her eating routine. Well on Tuesday April twentieth she set out traveling to Columbia Ca. with her companions who are pilots. She remained with them for a couple yearss, and on Friday the 23rd they made the arrival trip back spot. The pilot who has flown for 30 mature ages, each piece close as we can state from contemplates, likely did non hold satisfactory fuel before take off. Unfortunately, the plane smashed four detail mis from their completion, and her life finished. My folks, who had the endeavor of heading out to her home to get down the methodology of settling everything, went into the kitchen to clear out the refrigerator. What's more, directly at that place on her counter in an earthy colored sack was that half-eaten Brownie! The solitary thing my mama could state when she saw the Brownie was, # 8220 ; She should hold eaten the entire darn thing! # 8221 ; I decided to express this story from my mama Winnie, on the grounds that only set, life is to short non to loll an entire Brownie. Truly, it is of import to oversee a sound life way. I imagine that for me it # 8217 ; s an exercise that each twenty-four hours we conscious, life ought to be treated as a blessing. We should take the clasp to lounge it, and in the event that you need that # 8220 ; brownie # 8221 ; travel for it, since you neer realize what anticipates you around the accompanying corner.

Concepts of Supply and the Elasticity of Demand Essay

Ideas of Supply and the Elasticity of Demand - Essay Example Because of the way that the market for some merchandise and ventures has an extremely inelastic value flexibility of interest, the real degree of interest that buyers express bears little connection to the value that is being offered for the product.  This specific diagram is demonstrative of a flexible interest bend. It is imperative to hold up under at the top of the priority list that the interest bend isn't steeply inclining; rather, it shows a slow decrease as the cost changes. Normally, determinants, for example, buyer time skyline will incredibly affect the all out versatility that is spoken to in the above portrayal by prolonging and leveling the interest bend because of the way that the shopper accepts that the expense is probably going to change inside the not so distant future. Comparable changes to the interest bend will likewise be noted if/when changes to the consumer’s salary are noted and additionally if the accessibility of substitutes debilitates or fortifies the interest that has until now been outlined.  Similarly, â€Å"cross-value elasticity† is a term that is utilized to quantify the responsiveness of the interest for an offered decent to the adjustment in the cost of a contending decent. This degree of progress is given as a rate point and is inferred as a component of estimating the rate change in the cost of the auxiliary great/item. As a speedy model, if the cost of delivery were to increment by 10% and the cost of the completed great itself were to diminish by 25%, the accompanying equation would be utilized to figure the cross-value versatility of the given great: - 25/10= - 2.5. Along these lines, the peruser can see the level to which contending merchandise/items play with connection to the versatility of interest for a given item inside the commercial center.

Free Essays on The American Dream

What is the American Dream? Is the American Dream still feasible? What is a chance and how might we plan for it? The inquiries remain. Everyone’s dream is to claim their own business and to be their own chief. Appropriate advances and timing must be utilized so as to arrive at this supposed â€Å"American dream†. Notwithstanding, the means dissuade individuals from accomplishing their fantasy. Opportunity is just accessible for individuals that longing to accomplish. We live in a market economy. A showcase is where merchandise are purchased and sold. This likewise implies the market or commercial center is the chance of offer. Merchandise discover a market.† If you have an item, inevitably you will discover a spot in the market where it tends to be generally productive. There is additionally a business opportunity for administrations. Administrations can be purchased and sold a similar way that products are purchased and sold. Regardless of whether it be a help or an item, if there is an interest for it the item as well as ware will be sold. Markets are opened to the individuals who need to sell their item or product. Markets are likewise accessible for the accommodation of those hoping to buy a specific item or administration. The market speaks to an open door for all, purchasers, and venders. A market economy chips away at advertise â€Å"pressures† that create for various wares. These â€Å"pressures† are characterized as a contribution of the item, th e decision of whether the item or administration ought to be purchased and time limitations. As entrepreneurs glimpse the future, choices are made based on the accompanying elements: (1) Profit (2) Capital Investments (3) Production results. The proprietor of the business will audit what benefit has been produced using their creation and what misfortunes they have brought about through that procedure. In the wake of inspecting the aftereffects of the overall revenue, the proprietor must settle on choices to build volume. This procedure for the most part includes recruiting more individuals, purchasing more materials, and regularly offering up their costs... Free Essays on The American Dream Free Essays on The American Dream In 1852 when John Henry Newman composed his paper, â€Å"The Idea of a University,† he needed to pass on that a University’s object was to have the option to teach top notch individuals from the social request. Newman’s hypothesis, albeit over a hundred years of age, despite everything applies to today’s undergrads; many are looking for higher trainings to prompt effective vocations, however to likewise turn into an improved individual in the public eye. In when human undertaking was being upgraded, as enterprises, methods of reasoning, and sciences were developing and influencing the world, Newman composed a paper clarifying the thoughts and objectives for looking for an aesthetic sciences training. He states in his proposal that the capacity of such instruction, â€Å"is that of preparing great individuals from society† (Newman, 1852). Presently two inquiries ring a bell about the meaning of, â€Å"training,† which Newman proposed. Is it groundwork for somebody to get a worthwhile calling? Then again, is it direction for somebody to form into an affecting part in the social network? Newman recommends both. He composes, â€Å"It is the instruction which gives a man an away from perspective on his own sentiments and decisions, a reality in creating them, and a persuasiveness in communicating them, and a power in ask them. It encourages him to consider things to be they are, to go right to the point, to unravel a skein of however, to identify what is sophistical, and to dispose of what is immaterial. It sets him up to fill any post with credit, and to ace any subject with facility.† (Newman, 1852). In this manner characterizing an understudy who has gotten his degree and is prepared to enter an expert field of work, as not exclusively being set up to play out the work, yet in addition to do it at a more significant level than desires were set to. He is a man well, â€Å"trained,† to conquer any activity related hindrances he may experience. â€Å"He is at home in any general public, he has shared conviction with each class; he can tune in; he can ask a ... Free Essays on The American Dream What is the American Dream? Is the American Dream still reachable? What is a chance and how might we plan for it? The inquiries remain. Everyone’s dream is to possess their own business and to be their own chief. Appropriate advances and timing must be utilized so as to arrive at this purported â€Å"American dream†. Notwithstanding, the means dissuade individuals from accomplishing their fantasy. Opportunity is just accessible for individuals that craving to accomplish. We live in a market economy. A showcase is where products are purchased and sold. This likewise implies the market or commercial center is the chance of offer. Merchandise discover a market.† If you have an item, in the end you will discover a spot in the market where it tends to be generally beneficial. There is likewise a business opportunity for administrations. Administrations can be purchased and sold a similar way that products are purchased and sold. Regardless of whether it be a help or an item, if there is an interest for it the item as well as product will be sold. Markets are opened to the individuals who need to sell their item or ware. Markets are likewise accessible for the comfort of those hoping to buy a specific item or administration. The market speaks to an open door for all, purchasers, and dealers. A market economy takes a shot at showcase â€Å"pressures† that produce for various wares. These â€Å"pressures† are characterized as a contribution of the item, the decision of whether the item or administration ought to be purchased and time limitations. As entrepreneurs glimpse the future, choices are made based on the accompanying elements: (1) Profit (2) Capital Investments (3) Production results. The proprietor of the business will audit what benefit has been produced using their creation and what misfortunes they have acquired through that procedure. Subsequent to exploring the aftereffects of the overall revenue, the proprietor must settle on choices to build volume. This procedure as a rule includes employing more individuals, purchasing more materials, and frequently offering up their costs... Free Essays on The American Dream Since the commencement of our nation, the United States of America has frequently been alluded to as the â€Å"land of opportunity.† Though in certain circumstances this may have been the situation, for most Americans, particularly in the nineteenth century, consistently life was a continuous battle. Because of a few factors, the US made some hard memories satisfying the hopes of its residents. The residents who confronted the best hardships in this nation were foreigners from around the globe. Foreigners expected to come to America and discover avenues cleared with gold. They imagined that all they would need to do so as to accomplish their fortune was chip a bit of gold off the road. As a general rule, they discovered obstructions not all that not at all like those from which they were looking for haven. Regularly they couldn't discover work as effectively as the American conceived residents. The individuals who accomplished look for some kind of employment had to work long days at an insignificant compensation. In the book America Firsthand, there is a record composed by a lady who relocated from Poland when she was a youngster. She worked in a Cigar shop in Cleveland, Ohio for ostensible compensation. The conditions in this were awful and can undoubtedly be alluded to as a â€Å"sweat-shop.† The kids working in the shop were worked extended periods with every so often flawed materials yet were headed to deliver more at a quicker rate. The proprietor of the shop was exceptionally insatiable and unreasonable. He would take a gander at the work done by the laborers and would challenge the littlest of flaws in the stogies that were made. The defects would bring about a pay punishment regardless of whether it was because of low quality tobacco. As the proprietor got wealthier, he expanded the size of his activity from a shop to an undeniable production line. The abuse proceeded and the record proceeds to depict a resulting strike sorted out by the laborers. At long last, the proprietor consented to higher wages however the abuse proceeded. Toward the finish of the record, the laborers shaped a little association b...

Why Custom Writing Services Reviews Are Important

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Medical Critical Thinking Essay Examples

Medical Critical Thinking Essay ExamplesTo write a medical critical thinking essay, you have to research first and critically analyze the words that you want to use. Here are some examples of critical thinking essay samples.The language in this critical thinking essay sample is extremely fast-paced. But, there is no mistaking the fact that the writer has analyzed every situation he or she has been in. A medical critical thinking essay is different from a standard essay.Medical critical thinking essay samples are an excellent way to help you organize your thoughts. The author of this essay includes learning while writing the essay. He also includes learning while writing the body of the essay. In addition, he uses a variety of examples to illustrate each point.This is one of the many essay samples that was recently chosen as the best essay of the year by a national contest. The essay's emphasis on scientific inquiry has been praised by a number of critics. The writer also recognizes t he importance of the science behind each statement.This is a writing sample for essay writing. The essayist identifies a number of problems with how current medical technology affects health. The essays are written with its tone as one that is trying to highlight the key issues in health care today.Writing these types of essays is definitely different from regular essay writing. It is an interactive process and requires a very keen attention to detail. These types of essays are meant to make the reader more curious about the material they are reading.There are many types of essay samples that you can choose from. In fact, the best examples are the ones that have come from successful students who did their coursework well. Remember that the more skill the student has to use the tools of writing, the better essay he or she will be able to create. Also, a great essay will use the proper language and grammar.So, next time you are creating a medical critical thinking essay, be sure to co nsider all the available essay samples. Do not forget to learn how to use them so that you will have the best essay possible.

How to Get Started on an Architecture Essay

<h1>How to Get Started on an Architecture Essay</h1><p>Using an engineering exposition point as a guide, you can limit your extension and select articles that fit into the class you are searching for. The article points are accessible in various arrangements, and you should attempt to discover one that fits the subjects you are working with. The structure of the theme should be novel, yet should identify with the structure of the article too. It is additionally valuable to take a gander at the online library and look at those articles.</p><p></p><p>If you are composing your first engineering exposition, you should set aside some effort to figure out how to begin on a design paper. In spite of the fact that there are courses and reading material that show the nuts and bolts of this field, you should have the option to compose well to have the option to succeed. All things considered, the establishment of the field is the engineering essay.< /p><p></p><p>Although your objective might be to be an expert, you should even now know about instruction levels in your intended interest group. It is a smart thought to pick subjects that may speak to those with high instructive foundations. It is additionally a smart thought to cover themes that may bear some significance with those with less instructive foundations. Thusly, you will widen your readership and grow your market.</p><p></p><p>Choosing design article subjects ought to be founded on what your perusers need to find out about. You may be composing a paper that covers urban arranging, which is well known with the more youthful age. While picking your subjects, attempt to remember their wants and needs.</p><p></p><p>The structure of an engineering article ought to be one of a kind. An all around organized engineering paper contains a focal subject, and various parts address various parts of that topic. L ikewise, the exposition ought to contain a conversation of different issues, however doesn't turn out to be too complex.</p><p></p><p>Of course, the structure ought to be founded on the different branches of knowledge in the paper. For instance, a business structure article may incorporate data about the fundamental business structure. Be that as it may, the theory explanation is what is frequently used to give a focal topic to the whole essay.</p><p></p><p>It is critical to look into the historical backdrop of the fields you are expounding on. As a rule, the historical backdrop of the field isn't in every case clear or simple to make sense of. You should set aside some effort to find out about the distinctive design styles and you ought to learn as much as possible about the historical backdrop of those styles. Likewise, you should think about the various pieces of the reality where the procedures of the past still exist today.</p& gt;<p></p><p>Learning how to pick engineering article subjects is significant. The theme ought to identify with the authentic and social foundation of the subject. Moreover, it should be educational and provocative enough to draw in the peruser. Attempt to ensure that you don't just rundown the realities that you know, yet rather you ought to give intriguing and precise subtleties to expand the viability of your work.</p>

Essay Topics For Government Exams - Essay Tips For Studying in a New Course

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Study On The Nature Of Islamic Insurance - Free Essay Example

Nigeria is country with over 120 million Muslim over 75% of its population are Muslims, considering this it is only fair and just that the belief and values of this vast majority be respected and reflected by providing them avenues of insuring and/or assuring their lives and property without necessarily violating the sharià ¢Ã¢â€š ¬Ã¢â€ž ¢ah, which is detrimental to them in this world and the Here-after. The main reason why researcher wants to carry out this research was to identify the possible problems and prospects of Islamic insurance in Nigeria. But before going deep into the main objectives of the research let me start by giving a brief background of both conventional and Islamic insurance (TAKAFUL). These days the inspiration for Islamisation of insurance is at its peak. Many Individuals as well as investment institutions are taking measures in order to islamise the sector of banking and insurance. Insurance has been defined in various ways by different writers of different professions (lawyers, economist as well as sociologist), depending on the message they are trying to put forward. Essentially, there is no fundamental departure in meaning between definitions given by conventional writers and Islamic writers. In fact they are widely used interchangeably. There is a general agreement amongst most economists that the essence of à ¢Ã¢â€š ¬Ã…“insurance lies in the elimination of uncertain risk of loss for the individual through the duals, who each contribute to a common fund through premium payments, sufficient to make good the loss caused to anyone individualà ¢Ã¢â€š ¬?. M.N Siddiqi (1985) sees insurance as based on a social scientific discovery, according to which after a small investment, individuals can be freed from incurring financial losses as a result of perils and accidents, whose incidence can be measured fairly accurately in relation to a large human groups. Insurance is a device for the reduction of the uncertainty of one party called à ¢Ã¢â€š ¬Ã…“the Insuredà ¢Ã¢â€š ¬?, through the transfer of particular risk to other party called à ¢Ã¢â€š ¬Ã…“the Insurerà ¢Ã¢â€š ¬?, who offer a restoration at least in part of economic losses suffered by the Insured (Pfeiffer 1956). In its larger concept, insurance have also been defined à ¢Ã¢â€š ¬Ã…“as the business that exists in order to ensure the success and survival of other businessesà ¢Ã¢â€š ¬? (Prof. J.O. Irukwu, 1981). Conventionally, insurance can also be defined in three different ways by three different kinds of professionals; the lawyer would define it à ¢Ã¢â€š ¬Ã…“as a contract whereby a person called the insurer of assurer, agrees in consideration of money pai d to him, called premium, by another person called the insured or assured, to indemnify the latter against loss resulting to him on happening of certain events. The policy is the document in which is contained the terms of the contractà ¢Ã¢â€š ¬? (Osborne Law Dictionary). The economist would prefer to define it as à ¢Ã¢â€š ¬Ã‹Å"a device for the transfer of some risks of economic loss from the insured whoà ¢Ã¢â€š ¬Ã¢â€ž ¢s otherwise would have bourne the risk, to an insurer in return for a premiumà ¢Ã¢â€š ¬Ã¢â€ž ¢. Whereas the sociologistà ¢Ã¢â€š ¬Ã¢â€ž ¢s perception of insurance are ità ¢Ã¢â€š ¬Ã¢â€ž ¢s a device whereby the participants provide financial compensations or succor to those among them encountering the many misfortunes or contingencies that befall humanity. Under a modern insurance system, payments to those who suffer losses are made from the accumulated contributions of all those participating in the insurance systemà ¢Ã¢â€š ¬Ã¢â€ž ¢ (J.O. Irukwu, 1985). The s ociologist is more concerned with the social aspect of insurance; how it relates to social interrelationships, whereas the economist is interested in the gains in monetary terms, and the lawyer, the legal aspects. The Islamic economist on the other hand, is concerned about all the above aspects in addition to the moral, ethical, material and spiritual virtues of insurance. However, while the aims and aspirations of insurance may be similar in principles in a secular as in Islamic communities, the à ¢Ã¢â€š ¬Ã‹Å"modus operandià ¢Ã¢â€š ¬Ã¢â€ž ¢ will have to be different in order to accommodate the moral and spiritual requirements of the latter. Insurance has been in existence long before the coming of Islam, there is a general consensus that marine insurance is the earliest form of insurance and it is generally agreed that it had its origin in Rome, later in the 14th à ¢Ã¢â€š ¬Ã¢â‚¬Å" 15th centuries. Later it spread to the other parts of the world via Britain and Western Europ e this view is held by M.A Mannan (1975) and J.O. Irukwu (1985) amongst others. History also shows that an indigenous form of insurance also existed, more than four thousand years ago in China, where the Chinese merchants pooled their rice cargoes by placing a tradition of each manà ¢Ã¢â€š ¬Ã¢â€ž ¢s cargo on several junks (boats) instead of an entire cargo in one junk. This pooling arrangement reduced the chances of one man experiencing a huge financial setback. If a cargo was lost, all merchants would experience a loss, but no merchant would undergo total loss (S.S Yings, 1975). Muslim traders also practice the concept of insurance for over 1400 year ago by the Muhajrin (emigrants) of Mecca and the Ansar (supporters) of Medina following the hijra of the Prophet Muhammad (PBUH). In the past Muslim traders felt the necessity of insurance, in olden days they used to ships their goods across the seas to other part of the world and they mutually arrange for safeguards against the risk of the sinking of ship. They usually contribute certain amount to form a pool which will be used to compensate any trader that suffers losses as a result of perils and accident. Over the last three to four decades now this new version of Islamic insurance (TAKAFUL) has become popular and continued to gain popularity in different part of the world including non-muslim countries. Takaful is an Arabic word meaning à ¢Ã¢â€š ¬Ã…“guaranteeing each otherà ¢Ã¢â€š ¬? was considered to be an alternative form of insurance based on the concept of cooperation, social solidarity as well as mutual indemnification of losses of members. It is a form of co-operative insurance, where by members contribute a certain sum of money to a common pool. The purpose of this system was to uphold the principle of à ¢Ã¢â€š ¬Ã…“bear ye one anotherà ¢Ã¢â€š ¬Ã¢â€ž ¢s burdenà ¢Ã¢â€š ¬? not to create profits. Insurance today is indispensable and inevitable in any modern economy, it has become à ¢ â‚ ¬Ã‹Å"a necessary evilà ¢Ã¢â€š ¬Ã¢â€ž ¢ one has to involve in either voluntarily or involuntarily (government policies compel owners of vehicles or businessmen or creditors or debtors to the banks to insure their property). So Muslims are in a dilemma; in that, Islam strongly prohibits usury of any form (see Qurà ¢Ã¢â€š ¬Ã¢â€ž ¢an II, 275 LXXII 20) while the modern economy is based on interest to such an extent that it is difficult to visualize any economic relations where interest/usury does not come in, directly or indirectly. So our great challenge today, as Muslims is how to eliminate interest/usury and evolve new institutions and practices which would enables economic activities in Nigeria to flourish without resort to à ¢Ã¢â€š ¬Ã‹Å"ribaà ¢Ã¢â€š ¬Ã¢â€ž ¢ and other evils associated with the modern economy. That is why the researcher carries out this research study in order to look at the basic principles of Islamic insurance as well as to analyze the possible proble ms and prospects of Islamic insurance in Nigeria. 1.2 AIMS AND OBJECTIVES OF THE RESEARCH To identify the basic principles of Islamic insurance. To identify the nature and coverage of Islamic insurance. To identify the possible problems and prospects of Islamic insurance in Nigeria. 1.3 NEED FOR ISLAMIC INSURANCE IN NIGERIA Islamic insurance is free from Riba (usury) and other evils associated with conventional insurance and can even be more profitable. To take advantage of this scientific discovery in line with divine guidance is not only desirable, it is also indispensable for the progress of Islamic civilization à ¢Ã¢â€š ¬Ã¢â‚¬Å" human civilization. Considering that Nigeria is largely a Muslim country, with about 120million Muslims (over 75% of Nigerian population are Muslims), it is only fair and just that the belief and values of its vast majority be respected and reflected by providing them avenues of insuring and/or assuring their lives and property without necessarily violating the sharià ¢Ã¢â€š ¬Ã¢â€ž ¢ah, which is detrimental to them in this world and the Here-after. 1.4 RESEARCH QUESTIONS What is the nature of Islamic insurance? What are the items and aspects for which insurance is permissible in Islam? What are the local customs and traditions that are supportive of Islamic insurance system? What amendments are needed for the smooth running of Islamic insurance? What are the problems and prospects of Islamic insurance operating side-by-side with conventional insurance system as separate institutions? 1.5 RESEARCH PROBLEMS Nigeria is a country with a large percentage of Muslims but operates a secular form of government. The economic system of the country is pro-west, with its attendant injustice and exploitation. All these combine to militate against the evolution or establishment of an Islamically acceptable system in Nigeria. The problem associated with this research is there is not much available data for this research especially in the field of Islamic Insurance in Nigeria, due to the shortage of professionals in this field not as in the conventional Insurance. 1.6 METHODOLOGY The study is based on sources from existing available literature, whereby relevant books are consulted. Data are described and analyzed with reference to the research questions and objectives and reported in three chapters: introduction; review of relevant literature and data analysis and conclusions and recommendations. 1.7 LIMITATIONS OF THE RESEARCH This research is constrained by the limitation of relevant literature on Islamic insurance. In addition, limitations of time and financial resources are other constraints faced by the researcher. Chapter two Literature review This chapter will be devoted to review of literature by other writers on the subject of Islamic insurance, writers have done quite a lot of work in this field by the way of defining Islamic insurance and clearing doubts about its controversy in Islamic and establishing its importance in the present day economic settings. There are also contributions on the form and items that are permissible in Islam and also suggestions on the mode of operation of Islamic insurance. We intended to look into these issues later in this chapter. 2.1 INSURANCE IN NIGERIA Modern insurance as it is today came to Nigeria not more than seven decades ago à ¢Ã¢â€š ¬Ã¢â‚¬Å" several centuries younger than trading activities in the country. Long before the coming of modern insurance, some form of social scheme existed in various part of the country, this form of social scheme evolved through the existence of extended family system and social association such as age grades and other union. à ¢Ã¢â€š ¬Ã…“The simplest form of the social insurance was practiced by means of providing cash donations, materials or sometimes organized collective labour to assist members of extended family and members of social or communal associations who suffer a mishapà ¢Ã¢â€š ¬? (T. O. Yusuf, A. Gbadamosi, D. Hamadu 2009). The funds are used to help any member of social or communal who may suffer from misfortune such as accident, illness, death or unemployment. Despite urbanization and the attendant loosening of family and communal ties, some form of social scheme is sti ll widely practiced by community groups as well as sections of middle-class Nigerians (Osoka, 1992). Also a similar kind of this social scheme or social security was said to had existed in Northern part of Nigeria, during the then Sokoto Caliphate, the first caliph mounted an impressive labour policy and also used to give pensions and accident allowances to employee afflicted by patsy or permanent disease during the time of his employment and gets the wages continuously paid to him. If dead, his family will continue to receive the full salary until they are capable of securing their livelihood. In spite of Nigerian growing population still Nigeria was left behind when it comes to insurance. The global insurance market ranking shows that, the current Nigeria position in global insurance market was 64th and 4th in Africa with market capitalization of about N200bn ($1.62bn). In many of the African countries like Nigeria and other developing countries insurance is less than 100 years old, and it was just of recent that the reinsurance practice of reinsurance started to be taken so serious. The first insurance company to have a full branch office in Nigeria was the Royal Exchange Assurance (REA) of London in 1923. Before then, insurance companies which were mainly British, only had agencies. Many of the insurance companies in these days are foreign companies usually based in Europe whoà ¢Ã¢â€š ¬Ã¢â€ž ¢s only write insurance through its individual agents in the country. African reinsurance corporation was established in 1976 and the agreement establishing the African reinsurance corporation which commenced in 1978, Nigeria as a à ¢Ã¢â€š ¬Ã…“member state shall undertake to guaranteeà ¢Ã¢â€š ¬? upon the entry into force of this agreement, that all insurance and reinsurance establishments operating in its territory shall offer to place with the corporation a minimum of five percent of each of their reinsurance treaties, both present and future inclu ding life treaties at terms accorded to most favored reinsurances (Chapter vi, Article 27: Forms of Cession). J. O. Irukwu in his publication (1981) stated that à ¢Ã¢â€š ¬Ã…“all the insurance companies operating in Nigeria are required by law to cede twenty percent of their business by way of legal cessions to the Nigerian Reinsurance Corporation. The present legislation governing the insurance operations in Nigeria is the Insurance Decree which came into force on the first of December, 1976à ¢Ã¢â€š ¬?. He further argued that the insurance industry in Nigeria will grow tremendously in the future. L. P. Boul (1977) reported that à ¢Ã¢â€š ¬Ã…“Nigeria as of then enjoyed a well managed, reputable market internationally. In fact, it was the largest insurance market in Africa, with an annual premium income of N250, 000,000 according to 1976 estimatesà ¢Ã¢â€š ¬? but now it increase to over NGN 716,000,000 according to sigma report 2006. Evidence had now shown that Insuranc e premium rose to 25% in 2008 and perhaps 30% in 2009. It was also expected to rise to NGN 6,000bn ($45bn) by 2020, but in the meantime, Nigerian government is expecting the insurance premium growth of NGN1,100bn ($8.36bn) before the end of 2012. The recent capital base set by the Government of Nigeria for the life insurance was NGN2.5bn and NGN3bn for general insurance companies as their minimum paid-up capital with increase of over 1200% increase, while reinsurance companies were required to increase their minimum paid up capital to NGN10 billion. Although this suppose to be seen as an opportunity that could enable local players to compete internationally but remains a critical decisions for many business owner. (Bashorun, 2003; Ladipo-Ajayi, 2005). This issue of recapitalization drivers many insurance companies in Nigeria to adopted merger and acquisition in order to meet the required target, after the MA 71 strong companies emerged. This process of recapitalization was not a bad idea for the industry but rather will make the industry to be strong and be able to pay the claims. Nigeria has the biggest insurance market in Africa but the weakness within the industry caused large insurance business to be written by some foreign companies including oil and Gas, Marine and aviation. Some of the major problems affecting the industry include; religious believe, ignorance as well as lack of confidence in the insurance industry among the members of public. Many of the multinational companies (i.e. shells corporation and total plc) operating in Nigeria insured their companiesà ¢Ã¢â€š ¬Ã¢â€ž ¢ overseas due to the lack of confidence in Insurance companies in Nigeria. At the moment less than 10% of the population was actually insured and over 70% of vehicles in Nigeria were not properly insured while in some developing countries over 40-50% were insured and 80-90% in most developed countries. Mr. Fola Daniel a Commissioner for Insurance, National Insurance Commission (Naicom) in his keynote address at two-day summit on insurance industry in Nigeria April 2008, stated that People are now becoming more literate and many know the advantages of insurance but the question is, how to sell the concept and then deliver on the promise? As for the religion he said à ¢Ã¢â€š ¬Ã…“religion is no barrier à ¢Ã¢â€š ¬Ã¢â‚¬Å" because of the success of specialized schemes such as Takaful insurance aimed at the Muslim population was proof of thatà ¢Ã¢â€š ¬?. He further urged the insurance companies to change in their culture and practice as well as their attitudes towards the customers, in order to achieve that he pointed out that a major shift in corporate governance is vital, Management must be based on knowledge and integrity and Firms must remember that premium payments are monies held in trust, not operational profits! The issue of culture and religious as well as illiteracy (lack of awareness) on Insurance are some of the major factors affec ting the insurance industry in Nigeria. There are over 120million Muslims in Nigeria which covers about 75% of Nigerian population and the majority of them are of the view that modern insurance is completely against the teachings of Islam. 2.2 NATURE AND SCOPE OF INSURANCE This section will delve into the nature, scope and role of insurance to the economy as a whole. Insurance as define by Pritchett, et al (1996), is a social device in which a group of individuals (called à ¢Ã¢â€š ¬Ã…“Insuredà ¢Ã¢â€š ¬Ã¢â€ž ¢sà ¢Ã¢â€š ¬?) transfer risks to another party (called the à ¢Ã¢â€š ¬Ã…“Insurerà ¢Ã¢â€š ¬?) in order to combine loss experiences, which permits statistical prediction of losses and provides for payment of losses from fund contributed (premiums) by all members who transferred risk. 2.3 ELEMENTS OF INSURANCE For a proper understanding of insurance business, one must come to terms with some key elements in which the business is either based upon or rotates around, such elements are discussed below. They will hopefully give a concise knowledge of insurance in general. The Law of Averages or Large Numbers Insurance is based upon the law of averages which states, in a nutshell that à ¢Ã¢â€š ¬Ã…“although one cannot predict the chances of the actual occurrence of one particular result of an experiment out of a number of results on the basis of just one experiment, the relative chances of that particular result arising can be determined from a large number of experiments. This gives the measure of probability of the incidence of a particular result during one experimentà ¢Ã¢â€š ¬? (M.N Siddiqi, 1985). Siddiqi (1985), further explained that the law is based on averages which is not affected by any increase or decrease in numbers to the experiments. It has been found that the accuracy in which one can predict the probability of the occurrence of certain incidence over a period of time through this method is astounding. M.N Siddiqi (1985) however, showed that there is always room left for error, for nothing can be perfect. This error can however, be reduced to an insignificant fi gure through the help of the à ¢Ã¢â€š ¬Ã…“theory of probability which finally makes the computations and formulations still more valuable, reliable and fruitfulà ¢Ã¢â€š ¬?. When one talks of probability, he or she is talking about statistics. At this point we must state that à ¢Ã¢â€š ¬Ã…“the value of statistics in all classes of insurance cannot be overemphasized. It is the duty of the statistics section to supply the underwriters with necessary evidence to assist them in deciding whether or not to keep or decline a particular risk, depending on the claims experience (experiments). Methods of keeping statistics vary from company to company, but in all cases the aim is to make it possible for the desired information to be accurate and readily accessibleà ¢Ã¢â€š ¬? (J.O Irukwu, 1981). This shows that the statistics section is a vital part of the insurance industry and it works on the law of average or probability. In marine insurance à ¢Ã¢â€š ¬Ã…“particular averagesà ¢Ã¢â€š ¬? are applied to cargoes. à ¢Ã¢â€š ¬Ã…“Particular averagesà ¢Ã¢â€š ¬? means the partial loss caused by peril insured against in contradistinction to general average and total loss as defined by the Nigerian Insurance Act of 1977. General average on the other hand à ¢Ã¢â€š ¬Ã‹Å"implies some voluntary sacrifice of property made, or extra-ordinary expenditure incurred, at a time of peril threatening the old property involved in a common maritime adventure, with a view to preserving it from that peril, and embodies the principle that when such a sacrifice has been made, or expenditure incurred, the old property preserved shall contribute to the loss sustained, or the expenditure incurred as the case may beà ¢Ã¢â€š ¬? (F. Templeman and C.T. Greenace, 1973). In the statistics section of an insurance company there is what is called à ¢Ã¢â€š ¬Ã…“the actuaryà ¢Ã¢â€š ¬?. J.O Irukwu (1971) states that the Concise Oxford Dictionary defines an actuary as à ¢Ã¢â€š ¬Ã…“ an expert in theory and practice of statistics especially of mortality, sickness, retirement and unemploymentà ¢Ã¢â€š ¬?. Irukwu (1975) explained that in the life department, the actuary is concerned with the application of probability and statistics and the theory of compound interest to the practical problems of life assurance. His responsibilities further include; the calculation of premiums, evaluation of life fund and various reserves, surrender values, forecasting of financial results on long range and short range basis and advising the insurance company generally on investments and other technical bases of running the life programme successfully. Risk and Uncertainties From most of the definitions we have understood that insurance is based on risk management. It is important at this juncture to distinguish between various kinds of risks and also to determine which kind of risk insurance is based upon, because some risks are insurable while other are not. W. A Dinsdale (1970). Argued that à ¢Ã¢â€š ¬Ã…“not all risks are insurable: because they do not conform to the principles on which insurance is basedà ¢Ã¢â€š ¬?. Insurable risk is that which is measurable or calculable. This is called à ¢Ã¢â€š ¬Ã‹Å"pure riskà ¢Ã¢â€š ¬Ã¢â€ž ¢. It is this kind of risk that insurance is concerned with. There is another class of risk called business risk and uncertainty which is not insurable. We shall first start with: Business Risks and Uncertainties This kind of risk is the risk that is encountered in everyday decisions or activities of businessmen. The price that a commodity will fetch in the market tomorrow is a risk in itself, because one has no certainty that the price or the commodity will incur a loss or a gain, and the producer has no way of telling exactly, the amount of loss or gain. This calculation (of loss or gain) may turn out right or wrong, and he will earn profit or incur loss accordingly. The amount of gain or loss cannot however, be calculated in definite terms at the time of production of the article. This is an example of pure economic uncertainty, which is the basis of the modern theory of profit (M.N Siddiqi, 1985). This kind of risk is a two-way phenomenon either loss or gain and it is characterized by uncertainty where nothing is known, therefore such risk is not insurable. Pure Risk On the other hand this kind of risk is a one-way phenomenon, where the only outcome is à ¢Ã¢â€š ¬Ã‹Å"lossà ¢Ã¢â€š ¬Ã¢â€ž ¢. In this kind of risk experience and scientific devices can make one certain of the probability of the incidence of loss through accidents or other perils. Take an example of a ship meeting with an accident during voyages as given by M.N Siddiqi (1985) where he states that à ¢Ã¢â€š ¬Ã…“on the basis of data about shipwrecks collected from observation of the movements of hundreds of thousands of ships, spread over a sufficiently long period of time, it is possible to work out an average which may serve as the measure of probability of a ship meeting with an accidentà ¢Ã¢â€š ¬?. Unlike business risk and uncertainty, one can see that pure risk is not calculated on mere guess work or speculation, but on solid scientific principles and facts, like the law of probability. This risk is measurable and thus the concern of the business of insurance. 2.4 INSURANCE IN ISLAM Islam and Insurance as a Social Security System Insurance is considered as a basic human need which provides relief to the victim of catastrophes and other social contingencies, these contingency may be biological; such as sudden death, sickness, disability as a result of injury at work, it can also be economical such as unemployment or natural disaster such as storm, fire and flood. This caused the economic efficiency of the victims to damage to the extent that they had to depend on other to fulfill their basic needs. According to Siddiqi M.N (1981) à ¢Ã¢â€š ¬Ã…“This reality requires that insurance be treated as a basic human need over a very wide range of human activities and situationsà ¢Ã¢â€š ¬?. Most writers on Islamic insurance view it in the light of social security that is within the context of social security in Islam. So an attempt at defining social security will give us an insight into the subject matter (Islamic Insurance). Social security can be define as a tool that à ¢Ã¢â€š ¬Ã…“aims at relieving t he deprived and the destitute of want and misery so that not a single member of the society remains un-provided in his basic needs i.e. food, clothing, shelter, medicine and educationà ¢Ã¢â€š ¬? (Siddiqi M.N 1981). This is an aspect of welfare and it aims at providing the maximum livelihood to all which is called the à ¢Ã¢â€š ¬Ã…“maximum criterionà ¢Ã¢â€š ¬? maximizing the welfare of the minimum. It was reported that Holy Prophet Muhammad (PBUH) advised to à ¢Ã¢â€š ¬Ã…“help one another in furthering virtue and God consciousness and do not help another in furthering evil and enmityà ¢Ã¢â€š ¬?. Another Hadiths also stated that Holy Prophet told a Bedouin Arab, who left his camel unchained to the will of Allah, à ¢Ã¢â€š ¬Ã…“tie the camel and then leave it to the will of Allahà ¢Ã¢â€š ¬?. In view of these and other similar hadiths, it is established that concept of insurance does not contradict with Shariah. (Khandia, Abdur Rahman 2003). The hadiths clearly shows that as long as the form of insurance are based on mutual responsibility and co-operation and does not involve any evil or enmity, then ità ¢Ã¢â€š ¬Ã¢â€ž ¢s in lined with shariah. However Siddiqi M.N further stated that à ¢Ã¢â€š ¬Ã…“public welfare and social security is the foremost economic obligation of an Islamic stateà ¢Ã¢â€š ¬?. Also ità ¢Ã¢â€š ¬Ã¢â€ž ¢s the obligation of an Islamic state to bridge the gap cause by the misdistribution of wealth among the society and also to effect its economic development. This principle of social security require that each needy should be given relief regardless of what causes the destitution. Insurance can be viewed Islamically, in the light of social security like zakat. Zakat is one of the five pillars of Islam meaning à ¢Ã¢â€š ¬Ã…“the right of the have-not in the property or wealth of have or stateà ¢Ã¢â€š ¬? as long as there is no interference with the right of have or the state. This well established concept within the Islamic s ociety obliged the rich to help the destitute and the unfortunate (W Jean Kwon 2007). While à ¢Ã¢â€š ¬Ã…“The purpose of zakat was to provide assistance to those who lack the basic necessities of lifeà ¢Ã¢â€š ¬? (Aly Khorshid 2004). The Insurance takes care of the risks to which life and property are exposed. Furthermore, insurance in its purest form will protect the disruption of a system by accidents and events beyond human control. This view is held by Kashir and M. N. Siddiqi (1981). In view of the above discussion we can clearly see that insurance can be viewed in the context of social security in Islam. Origin of Islamic social security Social security was said to be in practice long before the coming of Islam, whereby families, relative or tribal member throughout the Arab territory form a fund which will saved as mean of helping needy on a voluntary and charitable basis. These practices were validated by Holy Prophet (PBUH) and incorporated into the institutions of the early Islamic State in Arabia around 650 Christian eras A.D. Examples of these early Islamic practices include the following (Hailey College of Banking Finance): Merchants of Mecca used to formed funds to assist victims of natural disasters or hazards of trade journeys. Surety called Daman khatr al-tariq was placed on traders against losses suffered during a journey due to hazards on trade routes. Assistance was provided to captives and the families of murder victims through a grouping known as aqila. Contracts, called aqd muwalat, were entered into for bringing about an end to mutual amity or revenge. Confederation was brought about by means of a hilf, or an agreement for mutual assistance among people. From the Islamic point of view social security is a divine scheme derived from the two sources; Qurà ¢Ã¢â€š ¬Ã¢â€ž ¢an and Sunnah (traditions and teachings of the Holy Prophet Muhammad (PBUH)) which can be dated back to more than 1,400 years ago. As shown by A.L Buhari (1973). The principle embedded in these two sources can be broadly classified into the following (El-Sheikh 1987): Protection of Human life (prohibition of destruction of human life whether it is His/her own or someone elseà ¢Ã¢â€š ¬Ã¢â€ž ¢s). Protection of human intellect (e.g. prohibition of intoxication). Protection of human property (condemning misleading with oneà ¢Ã¢â€š ¬Ã¢â€ž ¢s wealth as well as someone elseà ¢Ã¢â€š ¬Ã¢â€ž ¢s such as gambling). Protection human honor (condemning activities destroying families or promoting violence). Protection human conscience (freedom of religion and worship or against imposing any faith or dogma on human beings). The above fundamental principles, provides that one must find ways and means of avoid catastrophes and disasters wherever possible, and also to minimize the financial losses of himself or his familys should such events occur. And the possible way of doing so was to purchase an insurance cover as in the conventional system (Muhammad Ayub). In order to fully understand these principles and also to relate them into Islamic insurance, firstly we need to examine what and what is Halal (lawful) and Haram (unlawful) according to the teaching of Islam. It is in light of the above and need for real insurance cover, Islamic jurists (scholar) viewed Insurance as permissible, as long as it does not involve any form of Riba (usury), Gharar (uncertainty) and Maisir (gambling). They further concluded by saying that insurance in Islam should conform with principles of mutuality and co-operation. Permissibility of Insurance in Islam Writers have discussed on the permissible of insurance in Islam and the forms, they have made comparisons between conventional and Islamic insurance system. Opinion is sharply divided on the place of insurance in Islam. Before going deeply into reviewing of some literature on Islamic insurance, we intend to start with the arguments of some Islamic jurist regarding permissibility of insurance in Islam. Is Insurance permissible in Islam? And also, how will Insurance be organized according to Islam? This question of whether insurance is permissible in Islam or how to organize it islamically was in existence for a very long time and many writersà ¢Ã¢â€š ¬Ã¢â€ž ¢ tries to answer this important question according to their understanding. Some viewed it as gambling or breach of Divine providence while others consider it as prohibited à ¢Ã¢â€š ¬Ã…“Ghararà ¢Ã¢â€š ¬? transaction. Salahi, Adil stated on Arab New March (1990), that à ¢Ã¢â€š ¬Ã…“It appears that the persons following I slam object to insurance due to lack of understanding what insurance really is and what it does. He further stated that when we know that life insurance is nothing but an honorable way of looking after orphans, widows, the aged and the infirm, we would be sure that no religion does ever stand between those who need it and all that it doesà ¢Ã¢â€š ¬?. There are some Islamic jurist (scholars or Ulamah) who find an element of gambling in all kinds of insurance as a matter of principle. They also find some other objectionable features such as Riba (usury), and Garrah (uncertainty) inalienably associated with insurance. Because of the involvement these elements of Gambling, Riba and Gharrah in insurance, an overwhelming majority of the Islamic Jurists are on the opinion that the conventional insurance contract does not in its present form conform to the Islamic Shariah and regard it as an à ¢Ã¢â€š ¬Ã…“unnecessary innovationà ¢Ã¢â€š ¬?. Amongst these Ulamah (scholars) are: Sheikh Bakeet (355:72), Abdullahi Al-Qalqeeli (365), Mustafa Zaid (597:376), Mufti Muhammad Shafi (351), Jalal Mustapha Al-Sayyad and Shaukat Ali Khan (M.N Siddiqi, 1981). On the contrary, many writers believe otherwise. They do not find Riba and uncertainty inalienably associated with insurance such writers are M.N Siddiqi (1981) and (1985), M.A Mannan (1975). However M.N Siddiqi (1985) maintains that insurance and gambling are basically different from each other, and that Islam is not inherently opposed to the idea of covering calculable risks (insurance). From an Islamic view point the present forms of insurance suffers from certain evils but are not inherent to the principles of insurance as such. This statement is also supported by the resolution of the first conference of Islamic Economics (1976) see chapter one. Siddiqi (1981) added that several writers see nothing wrong in insurance as far as the basic principles are concerned. It is free from gambling, can be freed from inte rest and the à ¢Ã¢â€š ¬Ã‹Å"jahlà ¢Ã¢â€š ¬Ã¢â€ž ¢ (ignorance) and à ¢Ã¢â€š ¬Ã‹Å"ghararà ¢Ã¢â€š ¬Ã¢â€ž ¢ (uncertainty) in it are not of a degree large enough to call for its prohibition. These writers include Zarga, Yousuf Mousa, Ali Al-Kaseef, Mahmoud Al-Baby, Sanousi, Roohani, Tahawi, Taqi AMini Sheikh Mahmoud Ahmad, M.A Mannan, Shaheedi, Anwad and Siddiqi himself. M.A Mannan (1975) ruled that there is no provision in Islam that prohibits one from providing for the maintenance of his dependants. Insurance companies, by covering ones risks and uncertainties ensures provision for his dependants because insurance is a forced saving he further points out that it is Allahà ¢Ã¢â€š ¬Ã¢â€ž ¢s will that no individual should be bereft of the reasonable means of existence and should be immunes from any and every encroachment, this objective is the supreme duty of the Islamic state. The views of the majority of the Islamic jurist, the logic in their arguments for Islamic insurance an d finally the resolution of the first Islamic Economic Conference, Makkah 1976, has since resolved the controversy. The position finally stands that insurance is in principles permissible in Islam. According to the jurist this concept of insurance is acceptable in Islam because (Hailey College of Banking Finance): The policyholders would cooperate among themselves for their common good. Every policyholder would pay his subscription in order to assist those of them who need assistance. It falls under the donation contract which is intended to divide losses and spread liability according to the community pooling system. The element of uncertainty will be eliminated insofar as subscription and compensation are concerned. It does not aim at deriving advantage at the cost of other individuals. Siddiqi (1985), Mannan (1975) and a host of others however, have contributed significantly in showing how insurance can be organized under an Islamic system in such a manner that , purified from all Islamically incompatible elements, it can become a blessing to the society. 2.5 ORGANIZATION AND FUNCTIONS OF INSURANCE This will include the composition and basic functions of the underwriting department of insurance which will help shine some light on how to organize Islamic insurance. At this stage it is important to understand what is reinsurance and not its importance to the insurance industry. Reinsurance Reinsurance, called reassurance in the life department is a step taken by insurance companies to ensure that risks in excess of the companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s retentions are spread by way of the automatic treaty reinsurer who automatically takes over any amount in excess of direct insurers retentions, according to J.O Irukwu (1985). He further explained that retentions are influenced and determined by the company concerned. He gave an example of a company with a substantial capital and sizeable fund resources. It would retain more business for itself and therefore, reinsure less than a comparatively new and small company with a small capital and limited resources. Basically, reinsurance is a kind of inter-insurance relationship and mostly international relationship concerning the ceding company and Reinsurance Company. There is an agreement that established an African Reinsurance Corporation which commenced in 1978 (made in 1977). It is established under the Organization o f African Unity (OAU) and serves the purpose of fostering the development of the insurance and reinsurance industry in Africa, to promote growth or national, regional and sub-regional underwriting and retention capacities to support African economic development. This is contained in article 3 chapter III of the Agreement. Amongst the functions of the corporation, is transacting reinsurance business through treaty and facultative cessions in respect of all or some classes of insurance inside as well as outside African (Article of the Agreement). As already stated in section 2.1 of this chapter, Nigerian insurance companies cede a minimum of five percent to the African Reinsurance Corporation according to Chapter VI, article 27 of the Agreement. Compositions and Functions of the Underwriting Department This will give us an idea of how to organize Islamic insurance. Traditionally, the business of insurance, according to J.O Irukwu (1985), is organized under four departments, namely; life, marine department, accident and fire departments. In practice however, some departments such as accident for example are further divided into sections with sectional heads. Accidents in some companies in Africa are divided into separate departments, for example, burglary, road as well as general accident departments. Irukwu (1985) further shows that some small companies in Africa simply organize their insurance as follows: Life Department: which handles all ordinary life and group life business (volume of this business is far less than non-life). Non-Life Department: Handling all branches of non-life business. Claims department: handling claims emanating from all departments, and An agency or marketing department. He further showed that a typical, composite and fairly large insurance company would organize insurance under the following departments: Life department: with all the appropriate sections as indicated below. Non-Life Departments as follows: fire, marine, accidents and motor (vehicle) as well as service and general departments such as the reinsurance department, the agency or marketing departments and an accounts department. The large or more sophistical insurance companies have a marketing development department and a public relations department. For Islamic insurance the importance of a public relations department cannot be overemphasized. Islamic insurance have now become popular in many part of the world including non-Muslims countries like America, UK and Europe, as it is today Islamic insurance global market was said to be estimated at $2.1 billion as at 2001 and it has been growing at more than 15% per annum since 2000. As of 2006 in Middle east alone Islamic i nsurance generate $6.9 billion in premium income, it was also expected to grow to be worth $14 billion by the year 2015 despite the global financial turmoil, according to the latest Swiss Reà ¢Ã¢â€š ¬Ã¢â€ž ¢s report.

Tips on Writing a Twin College Essay

Tips on Writing a Twin College EssayTwin college essay is a classic example of essay writing that is not so easy. Here's what you need to know about writing a twin college essay.It may seem to be very simple, but it can still be difficult for students to write twin college essays. Before attempting to do so, you should always be prepared with the most current knowledge and skills. One of the best things you can do to prepare for writing your twin college essay is to first read or reread the rules for this type of essay that apply to you.When you're first beginning to write this type of essay, the first rule is that you must keep everything short. Too much information will only turn off the reader, making them wonder why you didn't just boil down the piece into a few sentences.You must also keep in mind that twin college essays are meant to serve as the central component of your syllabus. They must provide enough material to do so. You also want to take the opportunity to include the reading materials and resources you use that will help the reader understand the material presented.Now, it's time to pay special attention to the ending statement. There are generally three ways to end a twin college essay. Some writers prefer the follow up 'and' to the last sentence, while others prefer an extra period after the statement.It is important to remember that in order to get the reader's attention, it is essential to spell everything out all the way through the essay. If you fail to do so, they won't remember anything at all.Don't worry if you have the need to add a little extra material during the middle of your twin college essay. After all, this can be a very important part of the entire course andit should be given a good deal of thought and consideration.Your goal should be to find something that works for you, and then to tell the reader how you used it in your great twin college essay. You can never go wrong when you use examples in your essay to make sure you'r e using a variety of examples in your essay.

The Unusual Mystery Into Problem Solution Essay Topics for College Exposed

<h1> The Unusual Mystery Into Problem Solution Essay Topics for College Exposed </h1> <h2> Problem Solution Essay Topics for College and Problem Solution Essay Topics for College - The Perfect Combination </h2> <p>You should introduce the issue, recognize why it's fundamental, portray your answer and clarify why it's the best one. Rate the methods of issue arrangement you've found. Every difficult will help you through each progression with the goal that you see how to get an answer. One includes recognizing the issue and the other is offering an answer. </p> <p>Among the fabulous things about issue arrangement articles is they have a genuinely clear structure. In this manner, understudies must work very hard to have the option to think about a viable answer for all intents and purposes any issue. </p> <h2>The Secret to Problem Solution Essay Topics for College </h2> <p>When you're relegated to create an issue arrangement exposition or research paper, choosing an incredible point is the underlying situation you should work out. The hardest errand is to find an extraordinary theme for your exposition. 1 fundamental plan to endure at the top of the priority list is that the perfect point for a brilliant clear exposition is one which you are in control of a profound association with. Compose a section to consider the significance of the inquiry like noting it may assist make with detecting or delineate course subjects. </p> <p>Clarify how you'll address your point, distinguish sub-contentions you ought to demonstrate to make your huge contention valid. All you will require is a straightforward theme. </p> <p>Finding the right publicizing methodologies to utilize has ever been a difficult activity for littler organizations. Controlling weapon deals diminishes the amount of passings because of guns. Executing a couple of the arrangements underneath might be actually what your business necessities. Another issue is that a few understudies may not claim a PC or Internet access at home. </p> <p>You're ready to continue adding to the rundown over the long haul. In an egg drop undertaking, the specific data and rules may fluctuate. Before drenching into an issue, you need to characterize which kind of theme you need to brainstorm. For instance, unknown dialects should be promoted since they start from a particular nation which would be thought of a reasonable noun.</p> <p >Below, you will find intriguing tips for your center school, higher school, and school works. There are even thoughts on driving and transportation so you will be ready to find something which you're ready to expound on. There are even contemplations on driving and transportation so you'll be able to find something which it is conceivable to elucidate. Should you glance around, you're watch social issues that influence society each and every day. </p> <p>Identifying an issue and proposing at least one arrangements should be a fundamental component in your exposition. With us, you can fix any issue without any problem! Issue is an inquiry which requires arrangement. The issue should be obviously characterized, and the hotspots for the issue should be distinguished assuming there is any chance of this happening. </p> <p>Writing an issue and arrangement article may seem testing at the outset, however when you have your subject, you're brilliant. Whichever issue arrangement subject you select, you'll have the option to acquire each peruser intrigued, bring up some significant issues, and discussion about the issues of pressing significance. Likewise, permit the peruser realize what steps they should take to help fathom the issue. </p> <h2>All About Problem Solution Essay Topics for College </h2> <p>While doing that, you additionally should communicate your private feeling on the issue and demonstrate why the course you wish to unravel it's the absolute best. Something else, at that point the absolute first point to know is that you should start by survey an assortment of themes before picking one that is appropriate. In the event that you own a theme gave as of now, click the request currently catch to record your solicitation. In the occasion you don't have the foggie st idea about a great deal about the theme, explaining it will appear as it takes everlastingly so discover something you like. </p> <h2> Ideas, Formulas and Shortcuts for Problem Solution Essay Topics for College </h2> <p>College may have the most extreme trouble level with respect to issue arrangement exposition points. Obviously, every understudy can pick from an expansive choice of points. During the length of your scholarly vocation, regardless of whether at school or college, you'll more likely than not need to compose a minumum of one issue arrangement paper. A difficult arrangement exposition is by all accounts something which not just undergrads may get relegated. </p> <p>Remember your exposition is tied in with tackling issues, consequently an answer should be a feature of the paper. As an exposition is a run of the mill and the most well known sort of composing errands, there are loads of instances of various types of papers. Presently you know that proposition article must be finished utilizing the recommended structure. In the first place, the prosperous exposition requires to build a helpful structure. </p> <h2>Problem Solution Essay Topics for College Can Be Fun for Everyone </h2> <p>At a specific age, understudies have different capacities and information which they need to apply. In the occasion the understudies in a flipped study hall need to ace subjects in a specific grouping they could end up working at different rates. There are numerous issues, even on your own grounds, that should be settled. For some understudies, it is an issue. </p>

College Final Essay Length Class - How to Write Well-Written Essays

School Final Essay Length Class - How to Write Well-Written Essays?College last paper length class will test your capacity to compose brief, compact and intriguing expositions. Having the option to compose brief and efficient articles is one of the most significant things you can accomplish for your school application. Nonetheless, it's not all that simple for you to figure out how to do that. This article will tell you the best way to compose brief and fascinating expositions utilizing the format or guide you have been given in the course.The first thing you ought to do in your school last paper length class is to peruse the pre-composed exposition and afterward check in the event that it is enough composed. You don't need to do this without fail. Be that as it may, somewhere around each couple of times you should survey your exposition by ensuring it is elegantly composed. In the event that you are required to do as such, you should finish the assignment at any rate once a week.You ought make an effort not to alter your paper on the off chance that you need to ensure it is elegantly composed before the school last article length class. The school will anticipate that you should make a school application without altering. On the off chance that you attempt to alter your paper, you can be certain that it won't be as sound as you wish it to be.You ought not bring your companions and family members into your school last exposition length class since they may place your idea in a humiliating way. On the off chance that they do, they will truly not care much about your school application. Be that as it may, in the event that you bring them, you should ensure that your companions and family members know the things they may hope to hear or see from you.Some individuals state that the school last article length class is exhausting. They imagine that the entire exercise is dull and exhausting. In any case, this isn't so. You can compose an exposition that will even mak e your companions and family members feel that you have a decent feeling of humor.Before you go into the school last paper length class, you should ensure that you set yourself up for the activity. This will permit you to have the correct outlook to perform well. This is particularly evident in the event that you are composing for the school application. You can't hope to compose an elegantly composed paper on the off chance that you are stressed over your contemplations or mood.It is significant that you remember that the school last exposition length class is tied in with figuring out how to compose and discover what kind of thinking of you are generally OK with. Thusly, you ought to set yourself up before the class begins. Else, you will get frustrated toward the finish of the semester since you neglected to stand out enough to be noticed. Remember that what you realize in school paper length class ought to be identified with your character and what you think and feel.

Ielts Essay Samples Pdf Tips

<h1> Ielts Essay Samples Pdf Tips </h1> <h2>Ideas, Formulas and Shortcuts for Ielts Essay Samples Pdf </h2> <p>Certainly, cash is a huge job in our lives. Positively, it has a significant influence in our lives. It's difficult for any people to acknowledge an accomplice that doesn't have cash or no not exactly an occupation to manage future family. It's difficult for any people to acknowledge an accomplice who doesn't have cash or no not exactly a vocation to manage their up and coming family. </p> <h2> The Chronicles of Ielts Essay Samples Pdf</h2> <p>I trust you will have a chance to stop by Australia again soon. General Task 1 inquiries are made out of 3 unmistakable pieces. Recall that anybody can make a site. </p> <p>Writing an exposition is a basic job in academe life. Some consider paper composing a weight while some observe it like an opportunity to impart their thoughts and insights. It is a hard procedure in paper composing when you don't have a structure to follow. This will undeniably help make perusing simpler. </p> <p>A fabulous eBook peruser should be set up. Regardless of whether today you believe you're a lousy author, you can figure out how to manage your paper and make it unquestionably increasingly productive. Also, the essayist has a tendency to be redundant. Regardless of whether you accept you're a terrible author today, you can figure out how to take your straightforward exposition and change it into something a ton progressively successful. </p> <h2> The Most Popular Ielts Essay Samples Pdf </h2> <p>You need to see how to create a compelling paper as it is a common establishment for an understudy's evaluation. Understudies need to create papers dependent on the educator's directions or their favored style recorded as a hard copy. Scholastic and essential preparing. Expositions research papers theses and much more. </p> <p>Take a gander at the inquiries and become familiar with subjects you would jump on the genuine test. These IELTS test expositions are classified in a way that makes it straightforward for you to see how certain article question types request that you give certain reactions to be certain the inquiry is totally replied. You can find the total rundown on the IELTS official site. At that point the complete guide on the most ideal approach to expert every particular kind of article will educate understudies to viably read for the genuine test. </p> <h2> The True Meaning of Ielts Essay Samples Pdf</h2> <p>However, expositions have an amazingly awesome significance not just to get incredible evaluations yet furthermore in communicating one's feelings. In particular it will ensure that the message in your paper is easy to follow (one of the urgent models for more elevated level scores). These papers test the foremost language aptitudes you must be a capable E nglish user.</p> <p>By utilizing all these compelling methodologies, you can without a doubt upgrade your eBook perusing experience to a great degree. To finish up, training framework, without a doubt, is an incredibly noteworthy factor for the general advancement of a country yet this isn't the main viewpoint for the turn of events. Verify you get ready for the correct variation of the test. Go over the two perspectives and give your feeling. </p> <h2>What You Should Do to Find Out About Ielts Essay Samples Pdf Before You're Left Behind </h2> <p>Finding an IELTS band 7 recorded as a hard copy is very dubious for some understudies, and many don't comprehend what the inspector is looking for. Grown-ups do less exercise today. </p> <p>Non-stop difficult work and persistence realize achievement in the genuine test! You can pick the test as soon in light of the fact that you can gain a booking anyway you should empower some time for extra examination to ensure that you get a superior outcome. It was made to show how you will use English at study, at work, and at play in your new life abroad. At the point when you're reviewed, you will be given a score to all of these, and this will at that point be found the middle value of. </p> <p>There are two sorts of ielts. Utilizing a PC every single day can have more negative than positive results on kids. You may likewise alter the brilliance of screen subject to the kind of framework you're utilizing as there exists bundle of the way to address the splendor. Endeavor to utilize the mouse in case you're open to sitting back. </p> <p>Children who may utilize the PC when they're youthful have more certainty than other youngsters. In the present current world, PCs are an essential piece of routine life. From an individual perspective, they can assist youthful with peopling to study the world. To sum up, plainly PCs are presently part of our typical life. </p>

New Article Reveals the Low Down on Book Report Help Case Study Writing Service Write My Case Study Custom Cas and Why You Must Take Action Today

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The Main Objective Of A Historiography Paper Is To Research

The main objective of a historiography paper is to research and define the distinct evolution of a historical viewpoint on a certain event or subject matter. Historical perceptions of the Ku Klux Klan as an organization have been greatly modified over time. Beginning in the Reconstruction as an organization rich in justice and phenomenal, effective social work, the Klan has become the face of various historical interpretations. The three groups of sources that follow are categorized by the historical viewpoint of the Klan as an organization. The first group of sources focuses on the Klan as a law-abiding, constructive organization. The second group of sources focuses on the Klan as a political party, using their power to restrict the newly†¦show more content†¦The author argues that it was not until the immergence of the Klan, that both white men and women began to feel a sense of security. I plan to use this chapter’s information in the first group of sources within my historiography because all authors, along with Bowers, depict the Klan as a positive and social organization that benefitted society greatly. Horn, Stanley F. Invisible Empire: The Story of the Ku Klux Klan 1866-1871. New York: Haskell House, 1968. Within Part I of his book, Invisible Empire: The Story of the Ku Klux Klan 1866-187, Stanley F. Horn depicts the Klan as an effective organization, shrouded in mystery and illusion, determined to maintain law and social order within society. The author describes the general consensus of individuals in society as viewing the Klan as an organization that used immense violence to harass and attack the law-abiding and peaceful African Americans. However, the author argues that the Klan, itself, was actually a social and benevolent organization made up of law enforcers, rather than law breakers, whose main objective was to enforce justice, amongst individuals in society, while being civil in their manner. Describing the Klansmen as â€Å"rough boys†, the author goes on to justify the actions of the Klan, saying that the violence ofShow MoreRelatedThe First Child Of Her Parents , Henry Viii Of England1887 Words   |  8 Pagesprominent in regards to the conflict within the church between the Catholics and Protestants. As a dedicated Catholic, Mary’s overall objective was to unite the church; which was clearly a problem in itself, because she demanded Protestants to reconvert back into the Catholic religion. Mary’s overall movement became known as the Marian Church, and it’s agreed upon historiography can be described as polemical. 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There are lots of debates concerning the causes that gave birth to this endless conflict; some believe that religion has been the main reason of the dispute due to the importance of the holy city of Jerusalem for both Islamism and Judaism. Others believe that it has been caused by the Western colonialism, which has favoured the self-determination of the Zionists by denying the self-determinationRead MoreAncient Eastern Thought and the Old Testament Essay10692 Words   |  43 PagesLIBERTY UNIVERSITY THE BIBLE AMONG THE MYTHS JOHN, N. OSWALT A SUMMARY PAPER OF THE TEXT ANCIENT NEAR EASTERN THOUGHT AND THE OLD TESTAMENT SUBMITTED TO DR. RANDY G. HANEY DEPARTMENT OF THEOLOGY BY 03 MARCH 2013 Table of Contents CHAPTER 1: HISTORY AND METHODS 3 CHAPTER 2: COMPARATIVE STUDIES, SCHOLARSHIP, AND THEOLOGY 6 CHAPTER 3: SUMMARY OF THE LITERATURE OF THE ANCIENT NEAR EAST 10 CHAPTER 4: THE GODS 14 CHAPTER 5: TEMPLES AND RITUALS 19 CHAPTER 6: STATE AND FAMILYRead MoreWays to Prevent Genocide2798 Words   |  11 Pagesagents of the genocide. They were encouraged by the apathy of the worldsand worked with impunity. The United States has been accused of committing and sponsoring the crime of genocide in Iraq. The responsibility for the acts of genocide rests upon objectives and probable results of actions.The 2003 US attack of Iraq was the peak of a constant US policy, crossing over 17 years, of finishing Iraq as a national and state entity. The illegal US attack of Iraq was and is a humanitarian upheaval. Some tryRead MoreCatholic Clerical : Spiritual Bullying1945 Words   |  8 Pagesgoods are the causes of these wars, but whereas others claim that religion is the main reason. From my religious background, and conducting the research, the evidence shows all the above is true. Along with the humanistic factors and the strong desires to understand the word of God, also play a role in the conflict. The evidence I will be using is the Bible, resource book, historical documents, historiography studies, and classic literature to prove that war was about religion, caused by menRead MoreVisit A Theravada Buddhist Temple1900 Words   |  8 Pagesdifferent disciplines that study religion such as: psychology, historiography, anthropology, etc; there are many aspects related to religion that can be analyzed. I believe in the existence of something superior; I do not belong to any specific religion, but I sympathize with some specific ideas of different religions. I used to get the ideas that I believe that are more logical and put it in practice. Taking advantage of the research paper ordered in class, I decided to visit a Theravada Buddhist temple