The Financial Ombudsman Service Essay - Free Essay Example

The Financial Ombudsman Service The Financial Ombudsman Service (FOS) is stated to be The official independent expert in settling complaints between consumers and businesses providing financial services. It is a public body that was established by Parliament and is authorised to deal with a very broad range of complaints in areas ranging from banking and insurance, to loans, credit and hire purchase and savings and investments. The standard it applies when determining complaints, is what in the opinion of the ombudsman is fair and reasonable in all the circumstances of the case ; with the ability to award fair compensation for loss or damage. Indeed, the FOS has come to enjoy a considerable reputation due to its efficiency, independence, and impartiality when dealing with complaints, dealing with almost a million enquiries, settling over 150,000 disputes a year, and settling a third of cases within three months. In fact, in the latest six-monthly (between 1st January and 30th June 2010) complaints data released on individual financial businesses, the FOS received 84,212 new complaints and upheld an average of 44% of complaints in favour of consumers. The FOS has therefore demonstrated a strong complaints-handling performance with cases usually settled informally. Moreover, consumers are still free to reject a FOS decision and take their case to court instead if they so wish. Given such credentials, it might seem to be the case that consumers having complaints relating to insurance are well protected under the FOS regime. However, it is submitted that the draft Consumer Insurance (Disclosure Representations) Bill (the Bill) recommended by the Law Commission (LC) is of significant practical benefit to consumers, and brings a great deal to the table in relation to insurance contracts. In fact, if enacted the Bill would represent a watershed in the law governing disclosure and represen tation in consumer insurance contracts. Inherent difficulties stem from the fact that this area of law is governed by archaic legislation in the form of the Marine Insurance Act 1906 (MIA 1906). The main difficulty is that the MIA 1906 stipulates that A contract of marine insurance is a contract based upon the utmost good faith, and, if the utmost good faith be not observed by either party, the contract may be avoided by the other party. In fact, this principle of utmost good faith or uberrimae fidei is of antiquated origin and imposes very strict disclosure requirements on the part of the assured to an insurance contract. Thus, the assured must disclose every material circumstance which is known to the assured , with the assured being deemed to know every circumstance which, in the ordinary course of business, ought to be known by him. Furthermore, material circumstance is expounded as including Every circumstance is material which would influence the judgement of a pruden t insurer in fixing the premium, or determining whether he will take the risk. The relevant test was elucidated upon further in Pan Atlantic Insurance Co Ltd Another v Pine Top Insurance Co Ltd where the House of Lords held that the test of materiality of disclosure required any relevant circumstance to have had an effect on the mind of a prudent insurer in weighing up the risk, i.e. objective in nature. However, a certain degree of subjectivity was also attached to the test in that it was also held that an insurer would only be entitled to avoid an insurance policy if the material non-disclosure or misrepresentation had actually induced the making of the policy. Finally, every material representation made by the assured or his agent to the insurer prior to the making of a contract must be true or the insurer may also avoid the contract, even for honest mistakes leading to untrue material representations. Consequently, if the assured fails to disclose all such material inf ormation the insurer may avoid the contract and refuse to pay out for any claim under the insurance contract. Thus, whilst this strict duty of disclosure may have been pertinent for commercial merchants at the turn of the twentieth century, it is difficult to justify the policy behind its continuation into a twenty-first century replete with a plethora of insurance contracts taken up by ordinary lay consumers. Its often harsh and unfair effects are exemplified by the case of Lambert v Co-operative Insurance Society Ltd. In Lambert, the Court of Appeal held that an insurer was entitled to avoid an insureds policy on the basis that the insured had failed to inform the insurers that her husband held previous convictions, even though she had not been asked this. Nevertheless, the convictions were held to constitute material circumstances which should have been notified to the insurers under the prudent insurer standard. Even whilst acknowledging the point in law proved by the defe ndants, the judge professed that they would be acting decently if they were to pay her nonetheless, even adding that It might be thought a heartless thing if they did not, but that is their business, not mine. Even in 1975 one can see the excessive nature of the uberrimae fidei standard acting to the detriment of the innocent party. It is one thing for Parliament to set out insurance requirements precluding any misrepresentation at a time when the insurance market was in its infancy (following the Lloyds Act, 1871); it is quite another to continue to impose such draconian standards on millions of ordinary consumers a century later. Indeed, as recognised by the LC: We think the time has now come to update the law to meet the needs of a different century ; with it identifying five main problems with the existing law. Firstly, it found that consumers were only able to obtain justice from the FOS and not from the courts, as the courts were forced to apply the unfair rules. Mor eover, the LC stated that the compulsory jurisdiction of the FOS was limited to awards of ÂÂ £100,000. This effectively sets a dual standard depending on whether the consumer is rich or not, with those individuals insured for figures in excess of ÂÂ £100,000 (e.g. buildings or life insurance) forced to take their chances in courts with much stricter standards. The LC noted the FOS would decline to hear cases which required cross-examination of witnesses, so cases venturing into complex areas or involving third parties again ostracised consumers. Secondly, the LC considered the current rules were unacceptably confused, with many consumers not realising a right to complain to the FOS, and with the resulting muddle leading to a loss of confidence in the insurance industry. Thirdly, the LC believed the legal system penalised some vulnerable groups and cited problems experienced by older individuals, those with criminal convictions , or even those with Multiple Sclerosi s (owing to early but undiagnosed symptoms leading to a rejection of critical illness insurance claims). Fourthly, the LC believed the system imposed an inappropriate role on regulators, as the FOS and Financial Services Authority were forced to effectively act as policy and rule-makers. Additionally, the courts were systematically forced to reach unfair decisions. Finally, in the face of across-the-board European Union harmonisation, it stated that it was difficult to justify the present incoherent layers of law to an international audience. The LCs recommendation for reform of the onerous legal position in which the strict letter of the law had been overlain by successive layers of self-regulation, FSA rules and FOS guidelines , took the form of the recommended enactment of the Bill. Under the Bill, a consumer insurance contract (CIC) is defined as one entered into by an individual wholly or mainly for purposes unrelated to the individuals trade, business or profession. T he Bill replaces the duty of utmost good faith by instead stipulating that: It is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer in any disclosures or representations made by the consumer to an insurer prior to entering into, or varying, a CIC. Reasonable care is said to be determinable in the light of all the relevant circumstances. This includes things such as the type of consumer insurance policy in question, and its target market ; the insureds produced or authorised explanatory materials or publicity ; the clarity and specificity of the insurers questions ; and whether or not an agent was acting for the consumer. Also the Bill, prevents contracting out of these obligations by putting the consumer in a worse position , or the use of basis of the contract clauses, namely clauses which convert consumer representations into warranties, breach of which automatically terminates insurance cover. The Bill also provides for bala nced insurers remedies for different types of misrepresentations. For example, an honest and reasonable misrepresentation by the assured does not affect the validity of the insurance contract whereas a deliberate or reckless qualifying misrepresentation allows the insurer to avoid the contract, refuse any claim and keep any premiums paid (unless good reasons exist why they should not be kept). However, the insurers remedies for any careless representations are based on what the insurer would have done if the consumer had complied with the reasonable care duty. This ranges from avoiding the contract to proportionate reduction of a claim (because the insurer would have charged a higher premium). Although widely accepted, the proposed reforms are not without criticism. For example Soyer has argued that the reasonable assured test for materiality is nebulous and has not been previously tested; that the availability of proportionate remedies may lead to uncertainty as well as being open to criticism from theoretical and economic perspectives; and that statutory control is not practical and undesirable. Nevertheless, it is submitted that such criticisms are weak in the face of the currently manifestly unfair application of dated insurance law principles which are adversely affecting consumers. The law is clearly in need of reform and the proposals set out in the Bill clearly represent a fairer, more balanced and transparent process relating to consumer insurance contracts. Butcher has even suggested that to talk of insurance contracts as being contracts of good faith tends to be either useless or positively harmful to a coherent development of the law. He considers good faith to be a redundant concept, with rules now in place which have gone a good deal further than necessary to maintain good faith relations, and which have provided insurers with a weapon which produces the opposite results of what good faith would demand. Whilst it is true that the s ervice provided by the FOS is currently invaluable to thousands of insurance consumers across the UK, it cannot be a viable substitute for properly focused and balanced reforms. The Bill achieves this and it is submitted there is no reason to delay its enactment. Bibliography Achampong, F. (1987) Uberrimae fides in English and American insurance law: a comparative analysis. I.C.L.Q., 36(2), 329-347. Bennett, H.N. (1993) The duty to disclose in insurance law. L.Q.R., 109(Oct), 513-518. Butcher, C. (2008) Good faith in insurance law: a redundant concept? J.B.L., 5, 375-384. Hird, N. (1998) How to make a drama out of a crisis. J.B.L., May, 279-287. Soyer, B. (2008) Reforming the assureds pre-contractual duty of utmost good faith in insurance contracts for consumers: are the Law Commissions on the right track? J.B.L., 5, 385-414. Soyer, B. (2009) Reforming pre-contractual information duties in business insurance contracts one reform too many? J.B.L., 1, 15-43. Steyn, J. (1992) The role of good faith and fair dealing in contract law: a hair-shirt philosophy? Arbitration, 58(1), 51-56. Tarr, Julie-Anne and Tarr, A.A. (2001) The insureds non-disclosure in the formation of insurance contracts: a comparative perspective. I.C.L.Q., 50(3), 577-612. The Financial Ombudsman Service (2010a) [Online] Available from: https://www.financial-ombudsman.org.uk/. [Accessed 1st December 2010]. The Financial Ombudsman Service (2010b) About us. [Online] Available from: https://www.financial-ombudsman.org.uk/about/index.html. [Accessed 2nd December 2010]. The Financial Ombudsman Service (2010c) ombudsman releases latest complaints data on individual financial businesses. (14th September) [Online] Available from: https://www.financial-ombudsman.org.uk/news/updates/complaints-data-Sept-10.html. [Accessed 2nd December 2010]. The Law Commission (2009) Consumer Insurance Law: Pre-Contract Disclosure and Misrepresentation. Law Com No 319, Cm 7758, SG/2009/255 (December).

Free Online Plato Sample Essay

<h1>Free Online Plato Sample Essay</h1><p>You are most likely mindful that you can scan for the data in Plato Sample Essay and spare several dollars on your advanced degree. The issue is, you didn't know there was such a mind-bending concept as getting a good deal on school. School doesn't need to cost a large number of dollars and it doesn't need to cost you a great many dollars either.</p><p></p><p>Every school in America, should be beneficial and school educational cost is as of now over the top expensive. The cash spent on books alone is now enough to make training restrictively costly for the normal understudy. There are such huge numbers of grants accessible that regardless of whether you don't get one, you'll despite everything outpace the competition since it's free cash. Notwithstanding, you should locate the best grant that covers your particular costs for college.</p><p></p><p>As you draw nearer to graduatio n, you understand that you will be unable to bear the cost of the whole expense of school. This might be a decent time to start applying for grants. School credits have gotten excessively costly, yet grants can get you out much further. It isn't hard to track down grants, and you'll have the option to get as much as $10,000 to go to class without utilizing understudy loans.</p><p></p><p>An significant component of the school grant offers is that they will have a Plato Sample Essay connected to them. They will permit you to inspect the inquiries, look at the inquiries and answer the inquiries. In the event that you need to locate the best school grant offer, this is the correct approach to it.</p><p></p><p>The lion's share of these grants will let you pick what number of grants you're qualified for. They likewise permit you to apply for a wide range of various grants. In the event that you truly need to augment your grants, you'll need to attempt the same number of as possible.</p><p></p><p>You will be required to round out a structure when you present your application for a grant. A large portion of these grants expect you to pay a type of expense, yet there are numerous that don't. The vast majority of the best grants expect you to have in any event a base GPA, yet there are grants that will give you a higher GPA.</p><p></p><p>Colleges do have a few principles and guidelines with regards to their budgetary guide programs. Notwithstanding, there are numerous awards that are given to understudies who have a specific arrangement of characteristics. These awards aren't viewed as monetary guide and they can be given to any student.</p><p></p><p>There is cash accessible for school and you simply need to locate the best offer. At the point when you think about the various offers, you'll have the option to discover the grants that are the most usefu l to you. It doesn't make a difference in case you're simply during the time spent applying for school or you have as of now graduated.</p>

College Topics - Writes A Descriptive Essay

School Topics - Writes A Descriptive EssayIf you are composing a distinct article, you ought to be sure to follow explicit rules while tending to school themes. This is a zone where missteps can frequently be made, and you would prefer not to fall into that trap. How about we investigate a few hints for composing a decent unmistakable essay.First, ensure you utilize explicit terms in your paper while examining school points. You may ask a companion who's a school educator to give you a concise clarification of the contrast between the two terms. Furthermore, recollect, it ought to be characterized so as to comprehend the conversation.Second, ensure you address each issue that relates to school. School educators will by and large advise you to ensure that each theme you address in your article has a spot in the title of your email. On the off chance that you neglect to compose that little goody in your title, your possibility will contemplate their school vocation, which could hurt yo ur opportunity to get a job.Third, ensure you expound on the issues that relate to school themes in the main section of your unmistakable exposition. In addition to the fact that this helps to set up the remainder of your message, however it additionally will get perusers keen on understanding more. On the off chance that you don't do this, your possibilities will wind up disregarding your paper altogether.Fourth, ensure you are utilizing solid models when composing your article. It doesn't make a difference if your models are models from a book or a site page. Basically recording the solid detail you can offer perusers will assist you with making a superior depiction of your topic.Fifth, ensure you have an arrangement for school points in your exposition. Figure out what the significant subjects of your article will be and make a point to handle those first. When you've done that, start to concentrate on the littler subtleties that relate to those key themes, and once you've done t hat, direct your concentration toward the littler pieces of the fundamental topic.Lastly, keep your peruser locked in. This implies you ought to give clear models and clarifications, and that you should address the entirety of the potential subjects that could come up in your article. Continuously give clarifications, models, and language that the peruser can relate to.All on the whole, you ought to never be hesitant to handle school subjects when composing an engaging paper. There are such a significant number of points to cover that it is anything but difficult to track down something that relates to your theme. Simply ensure you take care with your composition!

What About Your Topic Is Important To Your Audience On A Paper

What About Your Topic Is Important To Your Audience On A Paper?There are some things that you need to think about when writing an essay that is also an essay on your topic. How you structure your essay on your topic is very important. If you want to be successful with your writing, you have to make sure that what about your topic is important to your audience on a piece of paper is the one that you use. If you do not include your audience in your topic and focus solely on what you want to talk about, you will fail as a writer.Why should you include your audience in your essay? The reason is that your audience needs to know what you want to talk about and what they are going to get out of it. Without them, your essay will be nothing more than dry writing. Of course, you need to write in a way that will appeal to readers as well. You can do this by thinking about your audience, including their interests, and how you can connect your topic to theirs.First, why should you include your au dience in your essay? Because you want them to know what you are trying to say and what they are going to get out of it. It is important that you let them know what you are talking about.If you do not include your audience in your essay, they may skip over what you are saying and just get annoyed by it. This is an expensive mistake. Your readers are the ones that are going to buy your product or service. You want them to know what you are talking about.In addition, think about your audience. What do they like? What do they dislike? What are the most important topics that they are interested in? You want to be clear on what they are interested in.Once you know who your audience is, consider the advantages and disadvantages of the topic that you are going to write about. There are two major advantages that your audience will benefit from. First, they will learn something about your topic that they did not know before. Second, they will get something out of your topic that they want to talk about.Your audience needs to know what you are going to talk about. They are going to want to know what they are going to get out of your topic. They do not care how you talk about your topic. They only care that they get something out of it. Remember, they are your readers and they want to know what you are talking about.How about your topic is important to your audience on a piece of paper? Think about what is important to your audience on a piece of paper and make sure that you include this information in your topic. Include the audience in your topic to get more out of your writing.

The Secret to Esl Essays Examples

<h1> The Secret to Esl Essays Examples</h1> <p>Difference of mental condition and nonattendance of comprehension among youthful and elderly folks individuals is known as the real age hole and is very difficult to top off except if they would not invested energy with each other and endeavors to acknowledge each other as they seem to be. You have a higher chance of coming up short in the event that you don't grow such targets. Furthermore, there are far superior and progressively true sorts of silliness out there which can produce significantly more chuckles without offending someone. Mental and physical quality along with the changed outside condition is furthermore the explanation of age hole. </p> <h2> Esl Essays Examples Ideas </h2> <p>A organization that gives composing administrations for instructors may likewise help with this. In the event that you're searching for help with your article, at that point we give an extensive composing adm inistration given by completely qualified scholastics in your general vicinity of study. There're a ton of reasons why an understudy might need to take advantage of this overabundance edge a top quality paper administrations gives. These means are equipped at any instructor who's in the act of composing an exercise program. </p> <p>The reconciliation of language aptitudes likewise encourage the learning of certified substance and not just the disected sorts of language. On the off chance that you place lower than your genuine ability level, you may need to take an extra class. Ponder the current procedure and break down how much the abilities are coordinated. For relational abilities to work, language aptitudes need to get joined with one another to shape an organized and consistent articulation. </p> <p>Receive a free statement to see precisely how simple and moderate it's to get a tweaked paper or article that can assist you with measuring up and ration time for those things that issue most. In spite of the fact that, you should know there are a few guidelines, for example, the structure of the article. The vast majority of the people tend to flee from legislative issues and along these lines the governmental issues expositions as well, in this way it is very critical to snatch the eye of the perusers till the finish of the article and that would be a lot of troublesome I know. There are different reference styles that could be utilized for grouped assortments of expositions however pick the one which feels most good that you actualize effectively. </p> <p>You give us the subject, and we are going to put our paper composing administrations to carry out the responsibility. To have the option to transform into an amazing English author, it's imperative to get the structure set up on the off chance that you wish to form an extraordinary exposition. The authors guarantee you very much looked into and superb predominant work, in this way utilizing an expert essayist is constantly suggested. Our expert exposition essayists spread a determination of subjects and assortments of papers, so you may settle back and loosen up realizing that we have you covered.</p> <p>Based on the class, you should give them a few prospects. During the pre-adult stage there are loads of changes which occur both real and enthusiastic. Furthermore, let your understudies realize that it's imperative to get a getaway plan in their homes in case of fire. On the contrary side old age ought to likewise endeavor to contact youthful age and their incli nations to procure similarity with each other. </p> <h2>How to Get Started with Esl Essays Examples? </h2> <p>Furthermore, the specialists could furnish householders with building materials to help their conditions and teach them in regards to the estimation of ventilation. In any case, all understudies need to see how to impart about family unit threats to stay safe. All of the representatives are subject for installment of protection. All of the representatives are subject for installment of protection premiums. </p> <p>ESL Essay is a paper that is composed by methods for an individual whose primary language isn't English. Before starting, recollect that an extraordinary comprehension of appropriate spelling, accentuation and language structure might be a genuine lift to both your business composing and the genuine progress of your association. On the planet today, the English language has come to be a critical thing. It's presently the third mo st broad local language on earth and the overall language of business. </p> <p>If you're expounding on something which isn't from your own understanding, don't simply use Wikipedia, I know a large portion of us love it, yet it isn't sufficient. You can make your installment simply after you've just got your article and loved all its words. You can't compose an incredible article when you're in a surge or pondering different things you have to do. These papers aren't implied as a substitute for having an unrivaled major cognizance of sentence structure and composing structure. </p> <h2> The Nuiances of Esl Essays Examples </h2> <p>The numerous decision addresses which you see on the test are picked subject to your responses to the earlier inquiry. You're going to need to rehash your theory from the earliest starting point section and ensure you leave your peruser needing more data concerning the subject which you tended to. After the cutoff time comes, visit your private page at the site and download the concluded work. In like m anner, as an approach to be given a high evaluation for the paper, the understudy ought to adhere to the entirety of the arranging rules and standards. </p>

Tips For Writing a Personal Essay

<h1>Tips For Writing a Personal Essay</h1><p>The Curious Writer has been out for more than two years now and I've done it a bunch of times. What stuns me more than anything else is what number of keen and gifted individuals are getting incredible outcomes from their aides. Be that as it may, at that point the composing is a great deal more required than the past guide was.</p><p></p><p>The past guide wasn't actually a stroll through, however some free articles on the web. Presently you can likewise utilize those articles to compose an extraordinary, and viable essay.</p><p></p><p>One of the most significant things about composing an individual exposition is getting your subject on paper. So you ought to set up your point early. Make certain to report the point well.</p><p></p><p>You'll need to begin with certain realities and some accurate foundation so you hear what you're saying when you talk about it. At the point when you've done that, get a portion of your companions or family engaged with the conversation so they can give you some ideas.</p><p></p><p>You'll be stunned at how you're ready to get a thought when you're composing with them, just as help with expressing what is on your mind. They'll be happy you gotten the opportunity to talk about it with them, as you'll likely have a superior comprehension of the subject.</p><p></p><p>You're going to locate some extraordinary and supportive guidance as to getting as far as possible of your paper with an inquiry. A portion of this stuff may seem as though advanced science, however it's truly not. It's in reality about having the option to assemble three primary thoughts in an exceptionally short space of time.</p><p></p><p>This is the last section in the book, with the goal that's all you get for the present. Yet, as you go on to Chapter 6, you'll di scover some more deceives that will make your article's even better.</p>

New SAT Essay Samples - Make Sure That You Choose The Right One

<h1>New SAT Essay Samples - Make Sure That You Choose The Right One</h1><p>If you are chipping away at another SAT article test, you have a great deal of alternatives. Since this is a significant piece of the test, you need to ensure that you pick carefully.</p><p></p><p>One thing to consider before you settle on a choice is the means by which huge the example will be, and what sort of test you are searching for. A one-page paper may be simpler than several pages.</p><p></p><p>How do you know how often you should rehash an expression? You can just supposition, since you may fail to understand the situation the first occasion when you step through the examination. That is the reason it's critical to compose a couple of various samples.</p><p></p><p>Another thought is whether a similar individual who will allot the SAT for your group will be composing the example. You should spare yourself a ton o f difficulty by picking somebody who isn't just acceptable at composing, however who likewise has numerous understudies who have stepped through the exam before.</p><p></p><p>In expansion to the SAT, there are other significant tests in secondary school. While SAT tests will in general spotlight on perusing, composing, and math, there are numerous different tests that you might need to take. There are likewise numerous choices with regards to getting ready for these tests.</p><p></p><p>One of the best activities when taking one of these different tests is to utilize the SAT paper test. It encourages you make sense of which test to concentrate on so as to get the evaluations you have to graduate. On the off chance that you don't pick one of these tests, you won't have the chance to comprehend the sorts of points that are essential to you and how to expound on them.</p><p></p><p>Don't overlook that you can general ly investigate different approaches to improve your SAT scores. By stepping through all the examinations that you can, and ensuring that you get ready for them accurately, you will have the option to graduate with no serious problems.</p>

How to Write an Essay on Taxes for a College Essay Contest

<h1>How to Write an Essay on Taxes for a College Essay Contest</h1><p>You have placed the entirety of your difficult work and thought into a paper that you expounded on expenses, and now you have to submit it for a school article challenge. What are the odds that you will be acknowledged for your subject and the sort of article that you submitted? This is an intense inquiry to reply, on the grounds that there are numerous things that should become alright with the end goal for you to be acknowledged into the school article contest.</p><p></p><p>When you present your exposition on charges for a school paper challenge, the principal thing that you should do is edited it cautiously. Ensure that the sentence structure, the punctuation, and the grammar are right before submitting it. There are a lot of sites that will give you tips on the best way to edit your paper, so ensure that you check them out.</p><p></p><p>Another s tep that you should take when composing your article on charges for a school exposition challenge is to sort out your musings into an efficient arrangement of points and sentences. When you have sorted out your considerations, you should ensure that they stream together and bode well. Your paper will be decided by the editors of the school article challenge, so ensure that your exposition observes the standards of language structure and accentuation and that your composing flows.</p><p></p><p>One of the most well-known mix-ups that understudies make when composing papers is utilizing the word 'I' over and over again. The 'I' ought to be utilized sparingly. Ensure that each passage has an immediate subject, rather than being everywhere and giving the peruser disarray. The editorial manager will be bound to believe your article to be elegantly composed in the event that you write in a sequential request and incorporate your considerations sensibly and with clar ity.</p><p></p><p>In expansion to finishing your paper in an efficient manner, you will likewise need to deliberately design your passages to be as succinct as conceivable when you present your exposition on charges for school paper challenges. Abstain from utilizing many long words, for example, 'and additionally,' 'or 'and not.' Try to abbreviate these kinds of words, and ensure that each sentence has an immediate subject and doesn't get excessively engaged with irrelevant information.</p><p></p><p>It is likewise critical to remember that the style of the paper is something that you ought to likewise mull over when composing your exposition on charges for a school article challenge. The style of your exposition will directly affect the manner in which the editors of the article will understand it. Along these lines, set aside the effort to pick a style that accommodates your style and afterward stick to it all through the essay.</ p><p></p><p>Finally, when you have finished your paper, ensure that you get it surveyed completely by somebody who find out about articles than you do. Ensure that your paper has been checked for language structure and spelling slip-ups and afterward that it has been looked into for any blunders in thought, sentence structure, and style. This is significant. The supervisor will be unable to tell from your exposition in the event that you have looked into your subject completely or in the event that you are basically putting together your considerations with respect to bogus information.</p><p></p><p>College paper challenges are extraordinary approaches to get your name out to the world. Numerous individuals feel that composing a decent article is just about filling in the spaces, however this isn't accurate. The appointed authorities are searching for composing abilities that permit you to separate a subject and express your consideration s clearly.</p>

Your College Essay Topic - Should It Be Zombies?

<h1>Your College Essay Topic - Should It Be Zombies?</h1><p>The initial step to composing a decent school article is to set aside the effort to locate some great school paper themes. You don't need to search out subjects that are excessively entangled or give just some meandering theory on social issues. These kinds of subjects will not help you with regards to thinking of a decent school article point. These are points which ought to be utilized uniquely if all else fails on the grounds that they will typically just turn perusers off and not help you with your essay.</p><p></p><p>A better theme for your paper would be something that is more inside and out. This can assist you with carrying greater believability to your exposition and simultaneously improve the effect of your article. A genuine case of this would be the subject of zombies.</p><p></p><p>This isn't a point that would engage the vast majority. In any case , zombies have been a well known subject of discussion for a long time and many have a major mind. They can unquestionably profit by the perusing of a school article subject, for example, this and could think of additionally intriguing thoughts while tackling their homework.</p><p></p><p>When it comes to school paper points, zombie ought to be your absolute first decision. On the off chance that you plan on attempting to utilize another famous subject for your paper, don't be disheartened on the off chance that you don't get the ideal reaction. Remember that there is a motivation behind why your intended interest group is the zombie community.</p><p></p><p>Do not let other increasingly famous paper themes assume control over your article composing. Use zombie as your presentation and spotlight on the material overall. Do as well as you possibly can and be set up to make mistakes.</p><p></p><p>Take an opportunity to consider what you need from your article subject and afterward consider the most ideal approach to accomplishing it. The issue won't be as awful as it appears when you see a ton of understudies experiencing something very similar. It is conceivable that you may simply need to reexamine your theme to stay away from the issues referenced above.</p><p></p><p>As you proceed with your creative cycle, your decisions for school article subjects ought to improve. Maintain your attention on what you need from your exposition subjects and never let others and the media have any authority over the manner in which you present yourself. Ensure that your school paper points are largely yours and that you are doing it for you and not in light of somebody else.</p>

Sample Research Paper Outline

Sample Research Paper OutlineIf you have not yet begun to put together your student research paper or dissertation, then I will be writing this article about a sample research paper outline. This outline is very helpful because it provides you with a list of ideas for research topics and is the first part of what will become your research project. By having a plan when you begin to write the research paper or dissertation, you will already know exactly where you want to go with your work. This is very important when you are working on your research for the first time.You need to outline your research paper or dissertation so that it will be easy to follow and will also be in the form of a research paper or dissertation. While you do not need to type out each section of your research paper and do not even need to use this outline all the way through to the end, you do need to do this for a few reasons. First, it is necessary that you follow the outline so that you will know exactly wh at you are doing when you get to the sections of your research paper. Second, this outline will help you stay on track and focus on one area at a time. Third, this outline will help you see just how large the project will be when you reach the end.One of the reasons you need a research paper outline is that it gives you an idea of what to put into your research paper or dissertation. If you just started off, you may not know the types of information you will want to include in your paper. The first thing you need to do is to think about the things that will interest you and research. Do you want to discuss your personal or family life? Do you want to write about anything that interests you? These are just a few examples of things you may want to include.Once you have decided what to include in your research paper or dissertation, you can now use the outline to put together the topics. One of the main reasons why people don't write their own outline is because they don't know where t o start. Start with a topic that interests you and that you will be interested in knowing more about. It may be the particular research you did on a particular subject that you want to talk about. You can then proceed to write on this topic. Remember, your writing should be done as a series of chapters in your research paper or dissertation, but you should get your ideas down on paper first.In order to use the outline to research topics, you can find other articles on the Internet that will help you research your research paper or dissertation. Researching your topic is an important part of writing your research paper or dissertation. Your research should start with a topic that you want to research and make sure you research thoroughly before starting your project. I recommend that you research at least two topics. Researching these two topics and using the outline to find the right topics for you will save you time and will give you better results. Your research paper or dissertat ion will be easier to read if you have two topics to research.If you have several topics you want to research, your research paper or dissertation will have a lot more information to go over. Using a research paper outline will make it easier for you to research these topics. It will give you ideas on what topics to research and in which order you should research them.Writing your research paper or dissertation should be fun, but it should also be an enjoyable experience. Have fun!

Capital Punishment Of The United States - 1588 Words

Capital punishment, also referred to as the death penalty, is the utmost form of punishment in the United States. It is the method of punishment by execution legally given to a criminal convicted of a crime. Capital punishment originated from many early societies, it is only imposed on people who have committed very serious crimes, and only five different execution types are currently used in the United States. The death penalty has been around for a while. The first death penalty laws date back to the eighteenth century with the Code of Hammurabi. In the Code of Hammurabi, there were up to twenty five different crimes people could have been executed for. The Hittite Code, The Roman Law, and the Draconian Code of Athens all included†¦show more content†¦The United States got its use of the death penalty from Britain. When the Europeans came to the United States, they brought the practice of capital punishment with them. In 1602, Captain George Kendall was the first person ex ecuted in the United States in the Jamestown Colony of Virginia because he was caught spying for Spain. In 1612, the governor of Virginia passed the Moral and Martial laws, which stated that the death penalty could be given to anyone found stealing grapes, killing chickens, or trading goods with Indians. The different death penalty laws varied from colony to colony. During ancient times, the death penalty could have been given to anyone for any crime. Now the death penalty is mostly imposed on anyone who has committed murder. During the sixteenth and seventeenth centuries in America and England, there were numerous crimes that colonist would be put to death for that they would just be incarcerated for today. These crimes included theft, manslaughter, and robbery. In the United States only two people were on death row for crimes other than murder. In 1974, Enrlich Anthony Coker escaped from prison and broke in the house of Allen and Elnita Carter. He raped Elnita and then stole the c ouple’s car and forced her to come along. He threatened to kill Elnita but never went through with it. Cooker was later caught by police and put on trial. He was sentenced to

Feminism in Jane Eyre Novel free essay sample

Furthermore, I will apply Gilbert and Guber’s idea about women in the Victorian era and use it in the analysis of Jane and her development. The idea is that women at the time had to overcome oppression, starvation, madness and coldness in order to arrive at the â€Å"end station† – wholeness. A secondary focus will be to analyse how some of the other female characters in Jane Eyre affect her life throughout the novel. In each period of Jane’s life it is obvious that the feminine characters affect her development in various ways. Some of these characters will appear in more than one period in my analysis. Furthermore, I will study the narrative of Charlotte Bronte with a contemporaneous theory that the feminine characters can be related to. The novel can be seen as a critique of the Victorian patriarchal society where great differences between men and women and between different social classes where a fact. We will write a custom essay sample on Feminism in Jane Eyre Novel or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page According to Gilbert Gubar, Jane Eyre shocked Victorian reviewers as they saw the novel as â€Å"‘Anti-Christian’ refusal to accept the forms, costumes, and standards of society† (338). Jane Eyre was first published as Jane Eyre an Autobiography in 1847 under the pseudonym of Currer Bell. The edition used here was published in 2003 and Michael Mason has edited an introduction and notes about Jane Eyre and Charlotte Bronte. The name Jane Eyre is significant for this analysis as Jane is a character who no one pays attention to in the first stage of her life. Gilbert and Gubar explain this in The Mad woman in the Attic: â€Å"Jane Eyreher name is of course suggestive-is invisible as air, the heir to nothing, secretly choking with 3 Maria Holmstrom Mid Sweden University English C-net ire† (Gilbert Gubar 342). Jane Eyre is a Bildungsroman, which is a novel that tells the story of a character’s process of successful self discovery (Barry 135). As a reader, we follow Jane through her life from childhood to the stage where she has reached the feeling of wholeness. In the last period of her life she has managed to become rich and reached the feeling of being e qual to men as she now is a free woman. â€Å"Are you an independent woman? A rich woman? Quite rich, sir. If you won’t let me live with you, I can build a house of my own close up to your door† (Bronte 483). According to literary critic, the novel is a proof for women that there was a possibility to change from less powerful to equal in this society (Mason Introduction). Jane’s life can be divided into 5 periods: †¢ Jane at Gateshead The first period of her life takes form in Gateshead where she is raised by her aunt. In this part we meet Mrs Reed, the aunt and the servant, Bessie. Here she meets and overcomes oppression. †¢ Jane at Lowood The second period starts when Jane leaves Gateshead to attend School of Lowood. Here, Mrs Temple, a teacher and a student, Helen Burns take part in her life. In this section Bessie appears too. She will meet and overcome starvation in this period. †¢ Jane at Thornfield Period three in Jane’s life is the stage where she has become a governess and leaves school to work at Thornfield Hall in the mansion of Mr Rochester. In this part she falls in love for the first time in her life and it will be the most important change in her life. The feminine characters in this part are, Mrs Fairfax, the housekeeper, Jane’s student Adele, the servant Grace Poole, the baroness’s daughter Ingram and Bertha, Mr Rochester’s first wife. In this period Jane has to meet and overcome madness. Maria Holmstrom Mid Sweden University English C-net †¢ 5 Jane finds her family In the fourth period of Jane’s life she leaves Thornfield Hall to become an independent woman. She learns to know Mr John Rivers and his sisters Mary and Diane who appear to be her cousins. Jane meets and overcome coldness in this period of life. †¢ Jane marries The fifth and final period in the novel and in Jane’s development is when she returns to Thornfield and finds out about Mr Rochester. The last feminine character that affects Jane is again Bertha. In this part she reaches her â€Å"end-station† – wholeness. Aim The aim with this essay is to investigate Jane’s development into wholeness and how the feminine characters have affected her in this struggle. Method The method used is to analyse Jane in her five periods of her life using relevant secondary literature sources found on the web. I will use the famous work, The Madwoman in the Attic, chapter 10, by Gilbert and Gubar which is an analysis of Jane Eyre and I will apply it to this investigation regarding the chosen theme. To analyse the narrative of Charlotte Bronte concerning the feminine characters I will use the French feminist theory. The primary source used is the novel Jane Eyre by Charlotte Bronte. Theory The French feminism which originated in France in the 1960’s has one perception â€Å"The women as to the man† (Selden 171). Furthermore, it registers the difference between groups where the social and cultural is manipulated in the way that one group domi- 5 Maria Holmstrom Mid Sweden University English C-net 6 nates and oppresses another. I see the aforementioned themes as central in Jane Eyre and it is interesting how the theory can be traced in this novel. The parent’s position and importance against children is reflected in the novel Jane Eyre. In the article â€Å"Feminist criticism and Jane Eyre† Ross Murfin explains that the French feminists associated language with separation from the mother. A child enters the linguistic realm just as it grasps the separateness from its mother, at the time when the boys identify with their father. The language the children learn reflects the binary oppositions and its logic: father/mother, brother/sister, phallus/vagina etc. Moreover, the French feminists explain that the structure of the language is phallocentric-it privileges the masculine by associating them with things and values appreciated by the masculine culture (Murfin). Its distinctions represent the world from the male point of view. Additionally, language forces women to choose: either they can represent themselves as men imagine and speak as them or they can choose â€Å"silence† and by that become â€Å"the invisible and unheard sex† (Murfin). Furthermore, the feminists mean that it is essential to recognize the position of the father: as legislator over the function as superior reproducer but also basically as an effect of the linguistic system. The theory explains that when a child accepts its needs of the sexual differences or the regulated need it can socialize (Selden 175). The woman setting herself free from the man represents the rupture, the destruction of the patriarchy system (Selden 177). Both Jane and Bertha can be referred to this theory since they try to set themselves free from the patriarchal society. Some French feminists have said that the Freudian concept phallus is a term used to explain penis envy. However, it does not mean the physical object but a symbol of the power that goes with it (Barry 131). The theory can be applied on some of the feminine characters since one of the themes in the novel is the patriarchal system and the power of the man or in some cases women. Moreover, the theory describes in what way the woman is the silence of the unconscious that precedes the course of 6 Maria Holmstrom Mid Sweden University English C-net 7 events and stays outside and challenges by interrupting the conscious order (Selden 177). In the Victorian society it was regarded as a â€Å"sin† to refuse the social destiny by higher social classes. The opinion of many Victorians did not support the way Jane acts in the novel. She is seen as an â€Å"‘anti-Christian’ refusal to accept the customs and standards of the society† (Gilbert Gubar 338). Jane’s five periods of her life into self discovery Jane at Gateshead The novel begins in the dark mansion of Gateshead where Jane was sent to be raised by her uncle, Mr Reed. Unfortunately, Mr Reed dies and he leaves Jane alone with Mrs Reed who makes life miserable for Jane. Jane is not as angel-like as her aunt expects and she is not regarded as good enough. Therefore Jane lives under tyranny and is treated like air by everyone. Indeed, Gilbert and Gubar suggest that â€Å"Jane Eyre-her name is of course suggestive-is invisible as air, the heir to nothing, secretly choking with ire† (Gilbert Gubar 342). Jane has to overcome oppression in this period to be able to continue her path to self-discovery (Gilbert Gubar 339). Mrs Reed sends her son John to punish Jane several times and one day she fights back against Mr John and hits him in the head. The punishment this time is to be locked up in the red- room: â€Å"Mr Reed had been dead nine years: it was in this chamber he breathed his last; here he lay in state; hence his coffin was born by the undertaker’s men; and, since that day, a sense of dreary consecration had guarded it from frequent intrusion† (Bronte 21). I agree with Gilbert Gubar (340) in their analysis of the red-room as a symbol of the society that Jane lives in and feels trapped in as she is constantly harassed and picked upon during her childhood. In this room Jane considers whether to escape the house through flight or through starvation or escape through madness. The power to control her own life is taken away or to refused because of her interiorized position in the family. This is an obvious sign of what the 7 Maria Holmstrom Mid Sweden University English C-net 8 French feminists mean by a social class is manipulated in the way that one group dominates and oppresses another (Selden 171). Jane is oppressed by Mrs Reed and her son John why she chooses to escape through madness. She starts to see ghosts and screams and sobs and the next thing she remembers is when she wakes up in the nursery. Gilbert Gubar mean that self starvation, madness, and death are associated with female feelings of powerlessness and rage (Barry 136). Phallus or penis envy according to the French feminist is a term that does not refer to the physical object but a symbol of power that goes with it (Barry 131). Mrs Reed can be related to this theory of male oppression and female rage as it is obvious through her actions that she functions in a male capacity. According to Gilbert Gubar, Mrs Reed is surrounded by patriarchal limits and as I see it Jane is well aware of this as she asks, â€Å"What would Uncle Reed say to you, if he were alive? † (Bronte 36). I interpret this question as a way for Jane to challenge Mrs Reed and to liberate herself and overcome madness. The woman who tries to become free from the â€Å"man† represents the rupture, the destruction of the patriarchy system, in relation to French feminism (Selden 177). This description of rupture can be referred to Jane as she interrupts the order of Mrs Reed, and this causes her to be sent away to school. The only person that Jane can trust is Bessie, the servant, who soothes Jane after what happened in the red room. Bessie teaches her to find comfort in songs and acts like a motherfigure to Jane because she has no such figure in her life (Rich Sparknotes). The only one that bids Jane farewell when she leaves Mrs Reed’s house is Bessie the night before: â€Å"I’ll kiss you and welcome: bend your head down. Bessie stooped; we mutually embraced, and I followed her into the house quite comforted [ In the evening Bessie told me some of her most enchanting stories [†¦] Even for me life had its gleams of sunshine† (Bronte 49). Bessie gives Jane love and strength to go on just as a mother would have done. Here we can see the importance of parental-figures and their position in relation to the child. According to the French 8 Mar ia Holmstrom Mid Sweden University English C-net 9 feminists it is important to be aware of the position of the father as legislator over the function as superior reproducer but also on the whole as an effect of the linguistic system (Murfin). Jane lost her mother, her father and her uncle who should have acted as a father to her, but died. As the French theory asserts, a child can not socialize if it does not accept its needs of the sexual differences or the regulated need (Selden 175). As Jane trusted her legislator (her father, uncle and finally her aunt) who fails her totally, she will have problems to socialize. Jane at Lowood Attending School of Lowood is the first step in Jane’s way to self-discovery. Here she learns how to govern herself and her anger and to become a governess. At Lowood she will overcome starvation to be able to move on in her life (Gilbert Gubar 339). Even though Lowood is a poor and hard place Jane explains that she would never â€Å"exchange Lowood with all its privations, for Gateshead and its daily luxuries† (Bronte 87). She also refers to the Bible where Salomon exclaims: â€Å"Better is a dinner of herbs where love is, than a stalled ox and hatred therewith† (Bronte 87). It is interesting how the author describes the first feminine character that Jane confronts.