Design an evaluation scheme for the Heart of Hackney regeneration Essay

Design an evaluation scheme for the Heart of Hackney regeneration project - Essay Example Hackney becomes a prime business location targeting a low carbon economy and innovative high value manufacturing (Hackney, 2010). It also believed that the developments in the housing stock, schools and public realm make Hackney an attractive location to live in, visit and work at. This paper will proceed to provide an evaluation scheme for the Heart of Hackney regeneration project. The Heart of Hackney regeneration project is a major undertaking not only for the borough but as a national initiative to address urban degradation. The 2012 Summer Olympics became a good excuse to prioritize East London as problems about urban sprawl become international in significance due to global warming and growing integration of cultures. In addressing the objectives and implicit theory of change by the Heart of hackney regeneration project, it is imperative to dig through its economic goals, the underlying factor for all growth aspirations. In the consultation draft (Hackney, 2010), the Hackney Council set the Economic Development Strategy. It acknowledged the opportunity that the borough has at the moment which it also needs to seize in order to fit as â€Å"an engine for London’s renewed economic growth,† (Hackney 2010, p 2). In general, the EDS objective is to help shape the local economic direction in order to provide long-term prosperity for the residents. The Council acknowledged that despite the recent employment growth in Hackney placing it just one percent below the London average did not spell the ideal as the borough still is considered the second most deprived in England due to long-term unemployment. Specifically, the program is currently focused on its Ways into Work program. A mentioned in the report, Hackney is providing interventions to out-of-school youths and unemployed individuals in the form of volunteerism, training, temporary employment, and other means to

House during hectic times Essay Example | Topics and Well Written Essays - 1000 words

House during hectic times - Essay Example Getting things done around the house can really be very challenging. With the children and the spouse around, you can’t seem to get things done at all. My son Chance think that housework is a kind of game so he usually follows me around while I go about my housekeeping. When I start sweeping the floor, he would playfully unplug the cord of the sweeper and run from me smiling. He also has an affinity for the mop and the bucket of water that I use in cleaning the floor. Before I know it, he had already emptied the bucket of water on the floor creating such a big mesh! After what seems like forever, I finally get the house straightened out. Do get to rest after all the sleeping and mopping? No. By the time I am done with the cleaning, it is already time to prepare dinner. With Chance trailing behind me, I move to the kitchen to start cooking. Now, if you haven’t experiences having a two-year-old boy as your cooking assistant, here’s the deal. While I am trying to cook dinner, my son imitates what I am doing by putting food in pans and climbing on counters. After getting food onto the pans, he turns off stove or turns burner on full blast depends what kind of mood he is in. He keeps saying, â€Å"Help mom† as if he is truly an invaluable kitchen assistant. Yeah, sure, it would have been nice to play with him for a while but I simply do not have time to monkey around the kitchen. I’m not a just a mom and homemaker, remember? I still need to attend classes at my college and then work on the task that our professors give us . I need to hurry up or else I will never get things done at all. My children are very important to me but sometimes; it’s hard for me to focus my attention on their individual issues. Giving them a one-on-one time is hard especially when there are many other things that need my attention. Of course my son Chance with his big blue and blonde head always finds a way to get my

Project Base Learning in the classroom Essay Example for Free

Project Base Learning in the classroom Essay Project based learning in classroom is a great departure from that of the conventional classroom learning method. The conventional learning is teacher centric and the students learn directly from their teacher. On the other hand, the project based learning is student centric while the teacher has only the role of a facilitator. Today’s world is more advanced in technology hence more complex. There are a lot of opportunities as well as various problems. Only those who can successfully handle such complex tasks can succeed in the modern life. The student needs to be prepared to face such things in their future life. And the project based learning in the classroom itself gives them a glimpse of challenges lying ahead and types of life surviving skills that needed to face them. In this method, the students are given challenging tasks, individually or in a group, which they need to carry out, using the concepts and principles they learned from the text books and their own common sense and creative thinking. Most of the tasks given to the students are related to real life situations. The basic idea behind using such real life situations is that it will make the student competent enough to construct solutions for such situations in the real life as when they arise. Project based learning method allows the students to decide themselves the course of actions in order to achieve the objective of the task or solve the given problem. They ask themselves the questions that need to be answered to produce the required answers. They themselves find out the answers and the ways to meet the set objectives. Their inherent qualities like leadership skills, problem solving skills and communication skills etc are forced to develop during this process. They also learn to think in a group which is essential in modern work culture. Unlike the passive role they played in the teacher centric learning method, the students are leaning things by actually doing it and experiencing the thrill as well as the difficulties of such learning. They get a chance to apply the knowledge they acquired from the text books on to the real life situations. The students direct themselves and this instills in them a sense of responsibility and their motivational levels will go up. The utilization of technology such as computer and internet etc give them a real clue about their immense utility. They get to experience the pride that is associated with the achievement of goals and they are ready for more. The teacher, who is also the facilitator, finally assesses the findings or suggestions submitted by the students and give his feedback. The feedback is very much important for the students and will help them make good the shortcoming and move forward. This way they horn their skills in every area of leaning and by the time they finish the schooling, they are ready to take on the numerous challenges that the life throws at them.

Underwriting Process in Insurance

Underwriting Process in Insurance Underwriting Process In order for the insurance companies to make profit and charge the appropriate rate for an insured, they undergo the underwriting process. Underwriting is the process in which an insurance company determines if an applicant is eligible for insurance and the rate they should charge if the applicant is eligible. In simpler words, it is a process of risk classification. The purpose of insurance underwriting is to spread risk among a pool of insured in a way that is both profitable for the insurer and fair to the customer. Insurance companies need to make a profit like many other businesses. Therefore, it doesnt make sense if they sell insurance for everyone who applies for it. They may not want to charge an excessive high rate to the customer and also it is not good for them to charge the same premium to every policyholder. Underwriting enables the company to weed out certain applicants and to charge the remaining applicants premiums that are commensurate with their level of risk (Conra d, Clark, Goodwin, Morse Kane, 2011). The underwriting process consist of evaluating several sources of an applicant and the use of complex pricing models developed by actuaries that help the insurance companies set prices. I will focus on the risk classification along with some of the factors that help the underwriters classify each applicant and the use of insurance credit scoring that allow the insurance companies to price the premiums. Factors An insurance company usually looks at various factors during the underwriting process in order to evaluate a potential customer in terms of risk. These factors enable the insurer to determine whether or not the potential customer is insurable. If the potential customer is determined to be insurable, then these factors will help to place them in the appropriate risk group. Some of the factors considered are age, sex, health history, current health/physical condition, personal family health history, occupation, personal habits/character, financial condition, and hobbies (Clark, et al, 2011). Some people believe that any characteristic over which we have no control, such as gender, race, and age, should be excluded from insurance underwriting and rating practices (Baranoff, Brockett, Kahane, 2009, p.157). This argument reflect the idea that the factors used by insurance companies should be based on the behavior of the people instead of the quality on which they are born. Risk Classification Risk classification plays an important role in the pricing of the policy. The premium that the customer pays will depend on the category he/she belongs to. Underwriters classify the applicants into four types of risk groups: standard risk, substandard risk, preferred risk and uninsurable/declined risk. Standard risk. Individuals who have a likelihood of loss or the probability of filing a claim that is not significantly greater than the average are classified as standard risks. Based on the underwriting standards of the insurance company, the people in this group are given a term of insurance without being charged for any extra fees or be subjected to any policy restrictions and they are charged with the standard premium rate (Clark, et al, 2011). Most individual life and health insurance policies are issued at standard premium rates. Substandard risk. Insured that are classified as substandard risk or rated risk, are those that have a greater chance of filing a claim. Applicants are classified in this group because of their health and/or other factors that makes them more likely to die earlier than those who dont possess these kinds of risk factors (Clark, et al, 2011). They are usually charged a higher than standard rate because of the added risks that they possess. Examples of people that may be in this category are those who possess a history of high blood pressure, diabetes, drugs and alcohol. Or maybe they engage in some dangerous activities like skydiving or rock climbing. Preferred risk. Applicants classified as preferred risks are those who are expected to have an above average life expectancy (Clark, et al, 2011). People in this group are preferred by the insurance companies because of their health history and good habits. They are usually offered a lower rate or preferred rate. Applicants that may belong to this group are nonsmokers or people that have a good health history. Uninsurable risk. Individuals categorized as uninsurable or declined risk are those that pose a risk that is too great for the insurance company to cover. The applicants conditions are so rare or unique that the company may not be able to arrive at a suitable premium (Clark, et al, 2011), so their policies are generally declined. Examples of this category include people who have a serious illness and people who conduct illegal activities. Insurance Credit Scoring in Pricing After classifying the applicants into one of the risk groups, the insurance company needs to set price for the policies. One of the tools used by the insurance companies for pricing is the credit scores that help them determine the adequate premium for each consumer. Insurance scores are confidential rankings based on credit history information. Insurance scores are used to provide insurers with a snapshot to provide service to consumers. The score is derived from the consumers previous credit history. This data allows the insurers to price insurance premiums/rates more accurately. (Almarshary, Erbek Reddic) Insurance scores estimate the probability of having insured file a claim. The variables commonly used to estimate insurance scores include measures of performance on credit obligations, credit-seeking behavior, use of credit, length of credit history, and types of credit used (Powell, 2009). They do not include race, color, religion, national origin, gender, marital status, sexual orientation, age, address, salary, disability, occupation, title, employer, date employed or employment history for scoring purposes (Anonymous, 2009). Insurers have found a strong correlation between insurance claims and credit scores. People with low scores are more likely to file claims than people with high scores (Lankford, 2007). They also discovered that people who made late payments tended to have more claims (Almarshary, et al). Improving credit score can certainly make a big difference in the premiums. More insurers now are considering credit scores when setting premium rates. Credit scoring enables insurers to better assess the risk of future claims. In fact, insurance credit scoring helps insurers to differentiate between higher and lower insurance risk (Almarshary, et al). Therefore, insurers will charge a premium based on the information provided by the credit score. When insurers use insurance scores to improve the accuracy of predicted losses, it benefits individuals and society (Powell, 2009). Premiums are closely related to consumers risk of loss on average, so insurance scores increase the fairness in insurance pricing outcomes. Insurance scoring also adds value to insurance transactions. Because insurance scores are accurate and inexpensive rating variables; it reduces the overall cost of providing insurance and this reduction in cost is applied to the premiums of the customer (Powell, 2009). Many people may not be familiar with the underwriting process, but knowing the factors that affect the decision of the insurers of placing you into one of the risk groups, is very useful. In this way, you can easily know if you can be chosen as a potential customer based on your personal information and even if you are not chosen as a potential customer, you might at least know what to avoid in order to decrease the chance of your policy being rejected. Finally, we have to notice the importance of the credit scores, because many insurance companies used it nowadays to price the premiums. Having a good credit history is a key factor to get a lower premium rate in the policy.

Polygamy in Canada Should Not be Banned Essay -- International Law, re

Polygamy is an ongoing controversy both in Canada and around the world. Polygamy is referred to as a form of marriage or social practice in which a male individual has more than one spouse or wife (Campbell, 2005). The act of polygamy is illegal and against the law in many countries, though this marriage structure still rarely occurs in some societies or families. Worldwide, the cultures and societies that have accommodated the act of polygamy are well aware that emotional, societal, economic, and physical factors are inflicted upon the well-being of women along with their families. This act has been outlawed in Canada since 1892, and there are many debates in progress of determining whether or not Canada ought to legalize the practice of foreign polygamous marriages (Campbell, 2005). The ban on polygamy should be overturned in Canada, for the reason that different religious and cultural practices that involved polygamy do in fact exist within this diverse nation, as well, it is ben eficial to women and their children in terms of financial support and domestic assistance between the wives. However, this practice is contrary to the values and notions of equality between males and females in the Canadian and western society. Canada, as a multicultural nation, should legalize the act of polygamy as it is practiced within many religions and cultures that exist in the country. Canada is a diverse country and consists of various individuals who have different beliefs and values and carry out certain roles subsequent to their cultures and religions. Many religions, such as Islam, which is practised by many individuals in Canada today, allow the tradition of polygamy under certain circumstances. Individuals who pursue this religion and ... ...l and Social Implications for Women and Children.† Vancouver Sun. The Alberta Civil Liberties Research Centre, November 2005. Web. 21 March 2011. http://www.vancouversun.com/pdf/polygamy_021209.pdf Cohen, Marjorie. â€Å"Patriarcal Relations of Production in Nineteenth-century Ontario.† Family Patterns: Gender Relations. Toronto: Oxford University Press, 2009. Print. Coltrane, Scott. â€Å"Household Labour and the Routine Production of Gender.† Family Patterns: Gender Relations. Toronto: Oxford University Press, 2009. Print. Department of Justice. â€Å"Equality Rights.† Canadian Charter of Rights and Freedoms. 27 March 2011. Web. 28 March 2011. http://lois-laws.justice.gc.ca/eng/charter/page-1.html#anchorbo-ga:l_I-gb:s_1 Department of Justice. â€Å"Polygamy.† Criminal Code of Canada. 27 March 2011. Web. 28 March 2011. http://laws-lois.justice.gc.ca/eng/acts/C-46/page-202.html

Franny and Zooey as Victims :: Franny and Zooey Essays

Franny and Zooey as Victims "We're freaks,the two of us, Franny and I... and both of those bastards are responsible...I could murder both without batting an eyelash... The great teachers, the great emancipators." Childhood memories are ripples of waves crashing serenly throughout my mind. Memories of climbing trees, playing dress-up and other fun-filled reminiscences float through these waters like drift wood. I remember nothing but living in a joyful bliss. My only tragdy was when Barbie's beloved Ken's head fell off. We are all increadibly innocent as children. We will reach out to anyone's hand with out eyes fille with trust. The events of our childhood determines who we are, what we will be, what our future hold. For example, I have recently learned that, in many cases, an abused child will result in a loathsome and abusive adult. The process continues geeneration after generation. This is devestating because his or her child has absolutely no power in controlling the early events of their childhood. An abused child is not at fault of the results of their childhood. A child is easily susceptible to having the rest of his or her life ruined, such as being emotionally scarred. I believe this happened in Franny and Zooey's case as children. They came from a relatively large family, consisting of two parents and seven siblings. The Glass children had a radio talk show called the "Wise Child" when they were younger. Such pressures put upon the children resulted in which Zooey calls "The Wise Child complexes". He believes that they never really left the air. He believes that instead of carrying a normal conversation, he expound on everything and ;therefore, is not able to keep his mouth closed. The two eldest siblings of the Glass children, Seymour and Buddy, have influenced both Franny and Zooey, who are the two youngest in the family. Zooey believes that it is them who have made him and Franny what they are now, "freaks". Because Zooey believes they are responsible, he developed a hatred for his brothers. I believe this hatred evolved from fustration. This fustration could possibly be caused from the seperation he must feel towards Seymour and Buddy. Seymour commited suicide, leaving young Zooey with unanswered questions. Buddy appears to be cutting himself off from his family,or even reality. He lives as a hermit, he is locked away in a cabin with neither heating, electricity, nor a phone. Seymour and Buddy have both put themselves in the same situation toward Franny and Zooey. It seems that Buddy does everything that Seynour did, or tries to.

Governor General in Canada

Overview My research paper will discuss the proposal of institutional reform concerning the function of Governor General. Canada is a constitutional monarchy and the role of the Governor General is to represent Canada as a whole in replace of the Crown or the Queen. Since Canada has no longer any real ties with the British Sovereignty in terms of government rules many would argue if the role of the Governor General has any significance to being an important political actor in Canada’s Constitution.To begin this paper, I will discuss a brief overview on what the role of a Governor General is, their formal powers and executive powers, dignified and efficient. My research paper will then emphasize on an institutional reform in regards to the function of the Governor General, it will discuss why Canada does not need a representation of the Crown any longer since the Governor General’s actions are mainly symbolic, therefore meaning that the new reform would have no Governor General appointed royally but instead an elected officer.The next argument in the development of the research will discuss the arguments against this institutional reform and why the Governor General’s role is still significant in Canada and why this political actor should still be a part of the Canadian Constitution, since in fact it is part of Canadian history and politics. And then lastly on the development is what my personal opinion is on the matter of having an institution reform or not and then finally finishing off with the conclusion of my paper. Bibliography 1. Desserud, Donald (2006). The Confidence Convention under the Canadian Parliamentary System.Ottawa, Ontario: Canadian Study of Parliament Group. This article discusses one of the efficient powers of the governor general, dissolving of parliament. The governor general takes advice from the prime minister, when the prime minister might be in a situation where the House of Commons throws a non-confidence vote, an d through some motivation behind it the prime minister would then ask permission of the Governor General, who has the power to dissolve parliament, especially when there is a minority government and this book will discuss a few examples of it.This source is useful because it can help us understand why the Governor General’s role shares relevance. 2. Hicks, B. (2009). Guiding the Governor General's Prerogatives: Constitutional Convention Versus an Apolitical Decision Rule. Constitutional Forum, 18(2), 55-67. This article talks about the conventional powers the Governor General has and how it has always been around and a part of Canadian politics.Some scholars disagree with these constitutional conventions and how it should be more democratic, such as an elected official who understands more about the politics of Canada and not just representing the country. This article can be favourable to the argument of having an institutional reform. 3. Hicks, B. M. (2010). The Crown's â⠂¬Å"Democratic† Reserve Powers. Journal Of Canadian Studies, 44(2), 5-31. This journal is about Canada’s responsible government and how the powers of the Governor General can be somewhat misused because of Parliament keeping limits on some powers.Since Canada has been free from British Sovereignty, the Governor General holds more importance in guiding the prime minister but then again since the Governor General’s powers are more dignified rather than efficient, he or she is advised by the prime minister and sometimes these decisions go in favour for the prime minister and this may not always be fair. This journal can go in favour of the argument to have an institutional reform, because the powers of the Governor General may only be helping out the prime minister and may not be so democratic. 4. Messamore, B. J. (2005). The line over which he must not pass': Defining the Office of Governor General, 1878. Canadian Historical Review, 86(3), 453-483. This press revie w goes back all the way to the 19th century, when the formation of the Canadian Constitution first began; it talks about the British Sovereignty’s representation that which is the Governor General. This reference can be helpful to this research paper because it gives the history of the Governor General and how this role of a political actor first started which can be relevant in the introduction of the paper and can give an overview of this significant actor. . Smith, David (1995). The Invisible Crown: The First Principle of Canadian Government. Toronto, Ontario: University of Toronto Press. This book discusses how the Crown, the Governor General, has contributed a great amount to Canada and its parliamentary government. This book talks about the significance of the Governor General and how its functions have changed Canadian politics for the better in terms of social, geographic and economic conditions. This reference will be useful towards the research paper when he argumen t is opposed to an institutional reform. 6. W. , D. D. (2009). Jean, Michaelle. Current Biography, 70(6), 36-42. This biography is about Michaelle Jean, Canada’s current Governor General. This reference can be useful for the research paper because it can give a certain insight on the life of a Governor General, their accomplishments and what gives them the factor of becoming a Governor General which is a pretty important role in Canada’s Constitution.This biography can favour the argument of not having an institutional reform because it can give a better understanding that not just anyone can become Governor General and that they can represent and shape Canada as a country for the better. 7. Wheeldon, J. (2011). Actors, Targets, and Guardians: Using Routine Activities Theory to Explore the 2008 Decision to Prorogue Parliament In Canada. Canadian Journal of Sociology, 36(1), 59-93.This article discusses the 2008 prorogation request by Stephen Harper to Michaelle Jean wh ich was highly criticized by many who thought she should have not accepted the request. This article holds significance because it can show how the Governor General’s role may not be as significant because their role may not be helpful to the government an may be more in favour to the prime minister but not towards the good of the Canadian parliament and therefore to the good of the Canadian citizens. Function of Governor General: The Idea of an Institutional Reform Priya Patel 6587402